Now that you have created a burning desire to be fit, healthy and attractive, and have begun secretly conspiring to satisfy your desires, the obvious question becomes…How?There are so many different types of fitness products to choose from… all claiming to be your perfect fitness, health and physique solution.* So many recommendations…
* So many famous personalities…
* So many advertisements…But which fitness product will work best for you?Here are some characteristics to look for when choosing a fitness product.The more of these characteristics the fitness product has… the better the chance you will succeed in achieving your fitness, health and physique goals.Your Physical Fitness Program Must Be… EffectiveWhile this characteristic seems like a no-brainer… you would be surprised at just how many people are actively using a fitness product that will never give them the results they seek.Many people say they want improve their level of fitness… and get a bodybuilding product.Big muscles are not necessarily indicative of a high level of fitness.Many people say they want to lose fat… and get an aerobic endurance product.Aerobic training is only a part of the fat loss equation, and will not produce the lean, muscular, athletic body most people want… regardless of all the hard work. The point is, make sure the fitness product you choose is designed to get the results you want… or you are doomed to failure before you begin. If you want to increase fitness, improve health and develop an attractive physique… look for fitness products designed to produce these results.Your Physical Fitness Program Must Be… InterestingLet’s face it, if you are not interested in the fitness product you choose… you will not use it long enough to see results.I don’t care if the fitness product was proven to work by thousands of scientific studies… it will have no positive effect on your fitness, health or physique if you don’t do it.And you won’t do it… if it does not hold your attention and peak your interest.No matter how many times you say…”This time I’m not giving up until I get the results I want.”… you will eventually give up if the fitness product is not interesting to you.Don’t force yourself to struggle with a fitness product you hate… look for interesting fitness products that fit into your lifestyle and match your personality.You should look forward to physical training… not dread it!Your Physical Fitness Program Must Be… ModifiableThere is not one fitness product in existence that can be all things to all people… regardless of what all the slick-tongued advertisements say.Fitness products must be modifiable to your goals, needs, abilities and limitations… you must be given a degree of freedom to make the physical fitness program uniquely your own.You have different wants and needs.You have different strengths and weaknesses needing specific attention.You must be able to take an active role in the use of the fitness product… modifying it into your perfect fitness program.Cookie-cutter programs claiming long-term results do not work.Look for fitness products that can be easily modified to your unique situation.Your Physical Fitness Program Must Be… Sustainable The more the fitness product is dependent on machines, devices and other complexities… the easier it is to destroy.What happens when the machine is not available, the device breaks or the complexity you have based you entire fitness program on is lacking?Your physical training comes to a grinding halt!I am not saying you should stay away from fitness products that use machines, special equipment, etc… only don’t choose a product that makes you dependent upon them.You are responsible for your fitness success… not the availability of a piece of equipment, or access to a machine.Look for fitness products that help you sustain physical training in your lifestyle no matter what the circumstances.Your Physical Fitness Program Must Be… ProgressiveThere are many fitness products out there presented as a fixed workout.”Do this over and over again and you will get the results you want.”And the workout may be effective in the beginning… for some people and for a limited amount of time.Unfortunately, any workout program not part of a progressive over-all plan is doomed to failure.This is why you still need fitness products with all the free workouts out there.A workout without a progressive plan is little more than manual labor… and will fail to take you where you need to go.Any improvements you see in the beginning will quickly disappear, leaving you asking, “What do I do now?”Then it is off to look for another workout to try.Make sure the fitness product you choose is progressive in nature… and not just “add more weight” either.Progression on many different levels is probably the most important aspect of any successful fitness program.Your Physical Fitness Program Must Be… MeasurableThe pursuit of fitness, health and physique is a journey… and like any worthwhile journey, it should be documented.The ability to measure your progress will keep you on the track of success… enabling you to see where you’ve been and where you’re going.Make sure the fitness product you choose comes with a workout journal, or that one can be easily made… Don’t underestimate the importance of a workout journal.Your workout journal will help you…* judge if your physical training efforts are getting you closer to your goals…
* decide if you need to modify your fitness program…
* and determine if it is time to switch to something completely different…… ultimately guiding and documenting your fitness success.Look for fitness products making it easy to measure their effectiveness… how else will you really know if it is working for you or not?Use Your Common SenseIf the fitness product…* attracts you…
* speaks to you…
* excites you…
* and ultimately makes sense to you…… it is probably the right fitness product for you.After all, only a physical fitness program you actually do, and that becomes a part of your lifestyle, will give you the long-term fitness, health and physique benefits you seek.Now that you have a burning desire to be fit, healthy and attractive, have secretly conspired within yourself to achieve your goals and know what to look for in a fitness product, there is only one thing left to do… act!In part 4, I’ll show you how knowledge without action us useless.
Part 3 – The Road to Fitness Success – Choose Your Fitness Products Wisely!
How A Business Loan Helps Business People
Overview:
Becoming a self-employed businessman is a great reputation in the society but the problems faced by the entrepreneurs from the day one of their business is enormous. It is a great challenge for a person to overcome all obstacles to become a successful businessman. The numerous problem faced by all is finance. Even great entrepreneurs of various industries have struggled a lot of financial crisis for setting up their business and to run their daily business operations. Thus finance plays a major role in the life of business people. Great ideas require the necessary financial support to bloom into a successful business.Introduction:
There are various sources for business people to raise capital for their business. The most trusted source is from banks. There are various reasons why people choose banks as the best source for raising capital for their business. Banks provide a lower cost of funds in the form of Business Loans. There are various types of business loans at differential interest rates to facilitate business people to solve their financial crises.Types of Business Loans:
Businesses are of different types and need finance at different stages of their business operations. The need also being different, banks help them in providing different types of business loans helping various small and medium enterprises to raise capital.New Project Loan – Banks are interested in funding for new businesses and also for new projects of existing business. There are various criteria for getting new project loan and differs from bank to bank. Project loans are approved against the collateral of the person like residential property, commercial property or empty land.Top-up on Existing Loans – These loans are issued for expansion, replacement, diversification of an existing business. These loans are approved for short term or long term basis to buy goods, machinery or any fixed assets for the company.Working Capital Loans -These loans are provided for the business to solve sudden financial crises and repaid within short durations. Banks are more interested in providing working capital loans against their inventories, stocks or receivable bills of the company.Secured Business Loan – Business loans in which companies raise their capital against any security for the bank. It may include plot, residential or commercial places, gold, shares, bills, insurance as collateral to get funds for their business. The interest rate is preferably less.Unsecured Business Loan – Every businessman cannot afford to pledge a security in getting the business loan, so bankers help them with loans without any security based on bank transactions and income tax returns. These loans are charged with more interest rates when compared to secured business loans.Requirements of the Banks:
There are various steps and procedures followed by banks to provide funds. The procedure and documents to be submitted to the banks as followsIdentity and address proof of the company – Address proof and identity proof of partnership or proprietor business.Statutory legal registration of the company – Whether the company is legally registered under government norms and have followed all procedures legally in setting business.Financial statement of the company – Every bank is interested in seeing the recent 1-year business transaction of the company.Income tax returns – ITR helps the bankers to check the business performance, efficiency level, assets and liabilities of the company and also tax that company pays from their current earnings. This also plays a major role in deciding the loan amount for the business people.Financial Security – It includes the fixed and movable assets of the company which helps the banker to consider providing business loans based on the asset value along with the business transactions. This also safeguards banks from the failure of businessmen that fail to repay the loan amount.Previous Loan track – This is a very important factor considered by banks which will help them evaluate the financial condition of the business and also to check on past repayments on loans.Litigation – It will help banks assess the character of businessmen before providing a business loan.Takeaway:
Though business loans are found to be a great source for raising capital, businessmen undergo challenge in getting timely funds from the banks. In order to help them in availing timely loans, even NBFC is also now prepared to help them with funds at various stages of their business. Banks & NBFC have also made the lending process easy, with all verification done in shorter time-span, doorstep assistance in collecting documents etc. Businesses with good cash flows & credit score can avail timely funds with much ease.
Beauty – Is It Physical Appearances or Self-Esteem?
Beauty is a universal concept that is hard to define, but is understood by all. In many societies, physical beauty is seen to have acceptable norms though some of these norms differ between cultures. We may have a hard time to explain when we are asked what is beautiful to us. However, if we were to point out a beautiful woman in a group, men and women do it easily and naturally. As the saying goes, when it comes to great beauty, we will know it when we see it.Not everyone admires beauty the same way though. Beauty is a subjective experience. It involves the individual’s feeling of attraction and emotional well-being. We often here the saying; “beauty is in the eye of the beholder”. However, as society imposes its general expectation on women’s beauty, beauty evolves into a common expectation and a standard comparison between women.So what is a “standard” definition of beauty then? My best guess is, if we were to talk about women, it is the physical qualities that she possesses. It is the ability of the woman to give out intense pleasure or deep satisfaction to the viewer’s senses. The admirer’s positive feeling of pleasure or goodness is usually derived from the woman’s body shape, clothes that she wears or how attractive her facial features are, amongst others.However, beauty can also be about the woman’s personality. It is about having compassion for and helping others, a shoulder to cry on, respecting others, respecting herself, project kindness to human and animals alike, loving others and of course, loving herself. This is described as inner beauty which comes about from having the right dose of self-confidence and a healthy self-esteem.While this is not usually the first thing that comes to our mind when we talk about beauty, inner beauty plays just as an important role in how beautiful a person appears to be. Maybe more so than outer beauty does.Inner beauty is not something that unattractive people say to our self to feel better. Inner beauty can be just as, if not more captivating as the external appearance can be.Inner beauty may be described as something that is experienced through a person’s character rather than by appearances. It is the real beauty of a person that goes far beyond just physical appearances.It is a woman’s inner belief that they are attractive that makes them more appealing to others. The glow of confidence and physical attractiveness comes from within her. Some of the most fancied personalities are not really physically attractive but their glowing confidence and self-belief makes them attractive to every member of the opposite gender.First impressions do not always depend on our physique or our facial features. We need to believe that it comes from within our self. That is where our true beauty lies. When we start a conversation, people will initially assess us; as pleasant or not-so-pleasant. As the conversation goes on, people will start to pick up the nice qualities and traits emanating from us, and people will then start to find us more and more beautiful or charming.When we love, appreciate and feel good about our self, we would feel more confident about facing and interacting with others. Outer beauty attracts glances while inner beauty makes someone stay. This is the secret to a healthy self-esteem.Naturally, we will notice a person’s physical appearance first. However, when a woman have bright eyes that flicker, a smile that warms the heart, a radiant glow that surrounds her when she walks into a room; she has obviously harnessed her inner beauty.The best part of inner beauty is the fact that unlike our outward appearance, inner beauty does not wrinkle, gray or diminish with age. It will only radiates stronger as we cultivate it.Only then will you see yourself as a truly beautiful woman.