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By Jules Sims

 Are you a ‘look-and-lose’ dieter? Have you studied every diet ever created, read a zillion diet books, and yet are still unhappy with your weight?

Has your quest for the holy grail of dieting become a substitute for actually making changes required to take the ill health out of your current diet?

If so, you may not realise your thoughts are key to your happiness and success.

Do you look at yourself and say, “I’m fat”, or “My hips are too big”? Many of us look in the mirror and immediately compare ourselves to those ‘perfect’ human specimens we see every single day on TV, in magazines and in the newspapers.

Often we talk to ourself and make excuses, “It’s my genes”, “I’m much too busy to get fit”, “I like myself this”, as a way of protecting yourself from the way we see ourselves now and the way we want to be.

If we were to be truly honest with ourselves most people actually want to lose a few pounds - if we only knew how.

The good news is you CAN achieve your desired body shape with the right thinking about yourself, an understanding of how to get optimal nutrition, healthy eating habits and how to incorporate activity into your lifestyle to keep your muscles toned.

But most important of all, you need a regular mental workout to keep your self-image in shape.

Self-image is closely connected to the success or failure of any goal you choose to seek after, but none more so that the goal to get yourself fit and healthy.

So how do you go about strengthening your self-image? Well fortunately your self-image, just like your muscles, will respond well to a regular work out. You can actually strengthen your self-image with a few daily exercises.

Exercise One - Self Examination

Start by compiling a list of all those negative thoughts your have about yourself…I’m undisciplined, I can’t manage my time, I let people down, I can’t succeed, I don’t exercise enough. You will need to decide before you start this process that you won’t get discouraged….these are things that you will admit to yourself but they most certainly don’t have to control your life.

Next, compile a second list including everything you LIKE about yourself. Keep going until this list is LONGER than the first list you compiled. You might include things such as, I am a good cook, I can make people laugh, I contribute to the soccer club, my daughter loves the way I decorate her room.

Then, take your ‘negatives’ list and turn it into your ‘potentials’ list. You do this by creating a positive self-image to every ‘negative’ you listed. Instead of “I can’t succeed”, write a counter belief, “I will succeed”.

Ceremonially throw out the ‘negatives’ list - you are saying goodbye forever! Burn them, trash them, destroy them….they are no longer going to be a part of your thinking about yourself.

Now, keep your list of potentials in a prominent place. On your refrigerator door, in your daily journal, or in a picture frame on your desk. Make sure you have them in front on your every single day so that you are reading them constantly and reprogramming your daily thoughts.

Exercise Two: You Can Be What You Want to Be

Now that you have your list of potentials… run your own visualisation stories so that you can ’see’ yourself in a new light. For example, if your list of potential includes “I eat just the right portions”, visualise yourself with a moderate portion on your plate, and feeling completely satisfied at the conclusion of your meal.

Read through your list of potentials every day taking a few moments of personal quiet time to reflect strongly on your visualisations. Try starting your day first thing in the morning and finishing as the last thing at night with visualising yourself being the person on your list, and doing the things you want to do.

Exercise Three: Keep a Journal of Your Daily Successes

Keep a record of all the positive changes in thoughts you have about yourself. We all have triumphs and ‘failures’. You must record and remind yourself of the positive changes because our human nature will replay the negatives - sometimes blowing them out of proportion. It’s important to nurture and celebrate the small steps you make every day.

Exercise Four: Go Easy On Yourself - You Are Beautiful Work In Progress

Don’t listen to the criticism…not your own nor that of others! Remember you are the designer of your self-esteem, do not hand this over to other people. You are way too important to give this away. Protect your role as creator of your own self-image and do not, take on board negative criticisms. We all make mistakes, and mistakes can be used to help us learn. Do not criticise yourself for being human and making a mistake. The only last mistake in the one from which we never learn to grow.

Exercise Five: Forget About The Past

The only moment you can live is the current one. You can’t live in the future and you most certainly shouldn’t live in the past….the challenge is to take charge of our thinking so that we think in the same time zone in which we live!

For example we may be tempted to think about yesterday’s failures…”If only I hadn’t eaten second helpings”, “If only I didn’t reach for the chocolate cookies”. If we concentrate on the mistakes of yesterday this will our brains to replay our failures and reinforce them to us.

Yesterday is over, today is where you live….make sure that today you do NOT replay yesterday’s failures and make your resolve to change TODAY.

Exercise Six: Resolve to Change Today

Just as you shouldn’t live in the past, you can’t live in the future. You can only live or change today. The oldest clich in the world is perhaps one of the greatest truisms of all…’tomorrow NEVER comes!’

There is no better time than now. So, no matter what excuses you may have to wait to take those healthy steps you know you should take, none of them are valid. Do it now, do it today. Resolve to make a different in your own life before you go to sleep tonight.

Exercise Seven: Write a Plan For your Life

This is your success plan. If you have not already done so it is time for you to create direction and purpose in your plans for yourself. Review your list of potentials and record next to each potential when you want to achieve this by.

Exercise Eight: Carry Affirmation Cards About Yourself

This is one of the fastest tools for your success. You are what you think. Strengthen your self-image every day by reviewing your thoughts. One of the easiest ways to do this is to carry affirmation cards in your wallet and review regularly. Affirmation cards are short bursts of words in business card that prompt and remind your self-image of your intentions. An example might be: I can achieve anything that I put my mind to. I will be satisfied with single helpings.

Try it, you have absolutely nothing to lose and everything to gain!

Exercise Nine: Change Your Eating Habits

Now that you have set the groundwork in place, you are now ready to change your physical habits. You are ready to add a balanced nutritious diet, healthy eating habits, regular exercise and relaxation.

By using these nine exercises daily to change your thinking habits, you will be strengthening your self esteem and unlocking your internal power to make a change in your life. Before you can change lifelong eating habits, you must first change life long thinking habits. We are what we think. We can’t be something other than what we believe we can be!

So, do yourself a favour, liberate your self-image and then, see how much more effective your healthy living plan becomes!

Read about smoking diseases and ways to stop smoking at the Health And Nutrition website.

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Meal Replacement And Weight Loss

By Jules Sims

 Meal replacements are one of the most valuable tools for weight loss.

We know that the key to permanent and effective weight loss is to speed up our body’s metabolism.

Metabolism simply means the speed in which our body utilizes and burns through food.

A fast metabolism means that your body processes and utilizes the nutrients which it needs and then eliminates those it doesn’t.

There are primarily two ways to naturally speed up your body’s metabolism.

The first is through resistance training, lifting weights. Lean muscle tissue is a very metabolically active tissue, it requires a lot of energy to maintain.

The body gets this energy from burning calories. So the more lean muscle you have, the faster your metabolism becomes and the more calories that you will burn at rest.

The second way to effectively speed up your body’s metabolism is by eating small, well-balanced, nutritious meals or snacks every three to four hours.

This alone can drastically improve the efficiency of your body’s metabolism.

Now, for those of us with busy, often hectic lives, eating every three to four hours can be challenging, if not impossible.

What are the chances of eating something healthy and nutritious every two to three hours?

Unless you have a lot of time to prepare and package meals or hire yor own personal chef to cook for you, this can be a daunting task.

Well, now there is a solution.

Meal replacments.

Meal replacements are probably the most valuable and underrated supplement on the market.

People are always looking for the magic solution to weight-loss by buying some drink or pill that promises miraculous results.

We gain weight and body fat by having poor eating habits, so the only way to undo the damage is to reverse the cycle by developing good eating habits.

Meal replacements make this possible.

Meal replacements are pre-packaged powdered drink mixes that you mix with water, milk, or juice and then drink in the place of a meal.

They are convenient, inexpensive, and most taste pretty good.

For optimum fat-burning and muscle-building results, we need to consume a high-protein, moderate-carb, low-fat meal about every three to four hours.

This is approximately five to six meals per day. So, replace two or three of your whole food meals with meal replacements and you will drastically start cutting out unneeded calories, calories that can add up and, if not burned off, be stored as body fat.

Meal replacements provide a perfect, compact meal in a packet that is high in protein, low in fat (some have no fat) are low in carbohydrates, and contain a wide array of vitamins and minerals.

They are low in sugar and cholesterol. They are very nutrient dense and can be mixed easily and conveniently.

In order to get the same benefits from whole food as some of the high quality meal replacements, you would have to put together a large meal like a chicken breast (protein) a potato for some carbs, and a salad for the vitamins six times a day.

Why bother when you can just rip open a meal replacement packet and toss it into a cup with some water or skim milk. Presto!

Instant nutrition.

Check the ingredients. Stick with meals replacements that use a combination of whey, milk, and egg proteins as the first ingredient.

Most meal replacements, if taken with water, offer at least 40 grams of protein with minimal fat. Most are under 300 calories, chock full of vitamins and minerals, and taste rather pleasant.

Many people I have spoken to over the years attribute meal replacements being on of the biggest reasons why they we able to lose weight.

They are able to get vitamin-rich, high-protein, moderate carb meal for less than 300 calories. All of this for about 2 dollars. You cannot even buy a Happy Meal for fewer than 2.00 dollars and Happy Meals are loaded with fat!

Read about wine hangover and how to cure a hangover at the Health And Nutrition website.

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By Jasper Sayer

 Are you a pet owner? If you are, you likely take steps to ensure that your pet is happy and healthy. Unfortunately, many pet owners find it difficult to do so, especially where food is concerned. In April of 2007, a large pet food recall left many pet owners wondering what they should feed their pets. Although time has passed since that recall, many pet owners still second guess their decision to feed their pets “traditional,” pet foods. If you are one of those pet owners, consider feeding your pet organic pet food.

One of the many questions that pet owners have concerning organic pet food is if it really does exist. It does. Right now, a large number of organic pet food sellers are independently run operations, also commonly known as small to medium sized businesses. With that being said, a large number of pet food companies are now developing lines of organic pet foods, especially for dogs and cats. This means that many pet owners now have a relatively large selection of organic pet foods to choose from. This is a surprising fact for many, as some pet owners never knew that there was such a thing as organic pet food.

As nice as it is to hear that organic pet food does exist, many wonder why they should give it to their pets. After a close examination, you will see that there are a number of reasons why organic pet food is advised. One of those reasons is that organic foods, including foods for pets, are natural, safe, and healthy. When feeding your pet organic pet food, you do not have to worry about chemicals in the foods, including harmful chemicals or otherwise safe chemicals with harmful amounts. Most organic food companies have strict restrictions that they must follow. These restrictions may include no chemicals on or near the production line. This can help to eliminate errors or confusion.

Since there are a number of benefits to feeding pets organic pet foods, many pet owners start examining their options. Unfortunately, many are turned away by the costs. Yes, organic pet food does cost more, even with human food, but it is more than worth the cost. If you love your pet and if you want to keep them happy and healthy, organic pet food should be more than worth the cost. In fact, many devoted pet owners are willing to pay the extra money to just get the comfort and peace of mind that is commonly associated with natural, organic foods.

If this is the first time that you are looking to buy organic pet food for your pets, you may be curious as to how you can go about doing so. If you are interested shopping locally, you are urged to visit one of your local pet supply stores. Since these stores specialize solely in pets, you are likely to find the largest selection of organic pet foods. Other options involve supermarkets and department stores; however, they may only have a limited selection of organic pet foods, if they even have any at all.

As nice as it is to be able to purchase organic pet food locally, you may find the best results with shopping online. You can easily find organic pet food for sale online. What is nice about shopping for organic pet food online is that you are often present with a large selection of products. In fact, online you will see that a large number of websites that sell organic pet food products are actually run by individuals who just have a love for pets. You can find these websites with a standard internet search.

As previously stated, there are a number of benefits to switching your pet or pets to organic foods. In addition to organic pet foods, did you know that you can also purchase other organic items for your pet? You can and these items can include pet treats and pet toys.

Learn about types of vegetarians and vegetarian nutrition at the Vegetarian Facts site.

How To Make Positive Life Changes

By Jess Shaw

 One of the most important aspects of living a healthy and prosperous life is understanding “risk.” By this I mean knowing how to understand and analyze situations in life that affect health. Being able to accurately weigh benefits and risks when making health decisions is very important! Too often decisions are based on incomplete or inaccurate information and this is a huge mistake with significant consequences!

Failure to accurately assess risk keeps people locked in all kinds of unhealthy situations including poor eating and exercise habits (lifestyle), relationships and jobs. Sometimes people are just afraid to step out and make a change. They see “risk” in making a change when the REAL risk comes from NOT making a change. From my perspective, living with the stress, unhappiness and frustration of indecision and poor health is the greatest risk of all, and one that is definitely not worth taking!

Accessing “risk” is nothing more than collecting information, weighing the alternatives and then making appropriate decisions based on the information.

Some risks to our health are more “real” than others. For example, it is common knowledge that obesity is associated with a wide variety of health problems. On the other hand, there are some health risks that are so remote we rarely think about them. On a practical level, eating highly processed foods and avoiding a daily dose of fresh fruits and vegetables is rarely considered serious. But, as too many have already discovered, the long range consequences of this practice are real and devastating.

Failure to accurately assess risk limits us in many ways. We imagine the “risk” of talking with our children about drugs, dating or sex and we put off having the “talk,” even though the risks of NOT talking are infinitely greater. Fear of flying and public speaking are two more “risks” affecting millions of people. But practically speaking, these fears are unfounded. People ride in cars every day, even though cars are far more dangerous than commercial aircraft! It’s a failure to accurately assess risk, and it limits our health, prosperity and pleasure in life.

The goods news is that failure to accurately access risk is reversible! The effects of those decisions to eat inappropriately or NOT to exercise are, as the common expression goes, “do-overs.” We can effect positive change in our lives by following a few simple steps to accurately access risk:

1. Accurately define your present situation and access your health “risks”. Are you eating a healthy diet? Are you getting enough exercise and good quality sleep? What are the consequences if you DON’T change? Weigh the benefits of healthier living vs the potential risks such as increased cost, inconvenience or discomfort.

2. What do you stand to gain if you change your present circumstances? Assess the “up-side” potential. Too often we look only at the “downside” risk and forget the benefits. What good things might happen if you take the risk and win?

3. Limit the “down-side” if you happen to make a wrong decision. Don’t continue down a path if it does not produce results. This is especially important when following weight loss programs. If the pounds are not coming off or if the weight loss is only temporary, find a new program! You not only want to lose weight, but want to sustain the weight loss for as long as possible. Take steps to ensure this will happen. Clear, concise, realistic objectives will definitely help.

4. Reduce your risk by being smart! Understand the situation and seek the advice of experts in the field of health and nutrition. This includes finding and forming partnerships to receive support and get good advice.

5. Have a fall-back position. If the decision you make fails to produce the desired results, be prepared to take a long, hard look at the circumstances and be prepared to change what you are doing.

Everything in life involves some element of risk. Driving your car, meeting someone new, crossing the street…but we do them every day. Winners in life are willing to accept the risk and continue on their way! Get involved, be smart about how you play the game, come prepared for a few failures along the way, but don’t quite. You will reap the benefits for your effort and live a happier and healthier life. I like to remember the words of the great Winston Churchill when he said, “Never, never, never give up!”

The information contained in this article is for educational purposes only and is not intended to medically diagnose, treat or cure any disease. Consult a health care practitioner before beginning any health care program.

To learn about thyroid pain and thyroid functions, visit the Health And Nutrition website.

Yes To Limiting Top Executives Compensation

By Debra L. Morrison

 I was particularly encouraged by the top executive compensation limits set forth in the Stimulus Plan, yet dismayed when they were eliminated or watered down.

The Stimulus Plan passed by a 246-183 and a 60-38 margin in the House and Senate respectively. Although Republicans Collins, Spechter and Snow all were instrumental in hammering out several compromises, nary a House Republican cast a FOR vote; some predicting ruin if it passed.

Are we not IN a ruinous condition? Haven’t these same Republicans asked an unemployed person, uninsured family or elderly citizen eating cat food recently how they’re doing?

If it wasn’t such a serious situation I might have been amused to read of worry there’ll be a brain drain on Wall Street, if top level executive comp was limited. Recently insiders’ voiced concerns that excessive taxes being voted upon AIG’s & Merrill Lynch’s top officials’ retention bonuses were somehow unfair.

Responding to our government’s attempts to reclaim $4.4 million of retention bonuses for Freddie Mac & Fannie Mae’s four top executives, Federal Housing Finance Agency Director James Lockhart said, “We run a great risk of these same employees deciding this is the last straw and walking away.”

Many Americans who do theirs, and also the work of those laid off, could easily cop the “last straw” excuse, but do not. Yet according to their annual Securities and Exchange Commission report, Fannie Mae apparently paid their Deputy Chief Financial Officer a tidy $1.1 million retention bonus AND an additional $160,000 cash bonus for filing their financial statements on time. Call me old fashioned, but I remember times when if you didn’t do your job on time you were demoted or fired.

With all due respect, Mr. Lockhart, just where would these overpaid executives of failed agencies “walk” to? Last I looked, a fair amount of unemployment has set up camp, and hedge fund managers-the once easy fall back position from corporate America-are in line to buy tents.

Apparently there is a growing belief that there aren’t any top level executives out there with a desire to return to some semblance of integrity, who would gain pride-yes other types of gains do exist besides the almighty greenback–in being instrumental in breathing new life into our once proud, now dilapidated, financial institutions.

Michael S. Melbinger, an executive compensation lawyer at Winsteon & Strawn in Chicago commented on the Stimulus Plan’s proposed top executive pay limitations, “There is no pay for performance in this.” Have we not already issued FAR too much pay for FAR too little performance for FAR too many years on Wall Street?

Are there no motivated individuals whom may be enticed with the near promise of fame and future book or movie deals (that would surely provide more wealth than an annual salary OR bonus) when they put their shoulder to the grindstone and lifted their companies out of the ashes and into a Phoenix state? Might even a few talented individuals remain of the Warren Buffet ilk-in 2008 he received the same $100,000 of base salary he has for 25 years, and $25,000 of director fees– that would be motivated by their good name being upheld, or their not-so-good name being raised up a notch or two, when they performed?

Yes, President Obama’s admonition for us all to “pitch in” applies even to top executives. It’s time they use their brains for a tiny bit more than their family’s luxury ski trips and ultra (not-green) fleets of bling-bling cars and otherwise opulent life styles, and roll up their sleeves to restore even a modicum of consumer confidence in the system.

Not only would this be smart, it may better ensure that we don’t touch off class wars. The middle class is shrinking rapidly. There’s a clearer distinction between the haves and the have nots; and the have nots are restless.

So not just is it moral to provide hope for hard working Americans, it is economically essential to stop the horrifically steep increases in unemployment. Let’s get people back to work. Some of them are downright hungry; some justifiably angry. For those of us with jobs and food, we’re looking for some measure of controls on those whose appetite for unlimited personal gain is apparently unrequited.

As a financial advisor, I’d be grateful for some signs that our government is strengthening Wall Street, so that I could encourage people to “invest in the stock of America” again.

Absent that confidence, the employed Larry Lunch buckets and Nancy Nurses will park their 401(k) or 403(b) in a fixed income sub-account. Not only will that not hasten the stock markets’ recovery, but it will be damning to their long-term purchasing power; very possibly translate into them having to work another 10 years just to make up the lost performance compared to that of stocks, at least historically speaking.

Apparently the big fear is that companies whose executives are greedy beyond words (OR works) will seek to repay TARP monies soonest so they can be out-from-under the new executive compensation restrictions. Then, the fear continues, particularly banks could restrict the flow of loans, etc., that were designed to increase liquidity into the system-you know, Main Street.

Clearly they forgot to insert the “instructions for use” page into the TARP check envelopes; the ones where the banks were supposed to be lending to mom and pop America, not sucking up other foreign or domestic financial institutions to buttress their balance sheets, or worse yet, pay themselves big year-end bonuses. Remind me, how then would the non-flow of monies stop if TARP monies were to be repaid?

Failed companies’ top execs need to admit to themselves and their families they weren’t worth those groups of zeroes, nor will they receive such disproportionate compensation for horrific performance going forward. They’ll perform in a fiduciary capacity and take what the shareholders feel is commensurate to their performance for the next 2 years. They’ll acknowledge this will indeed involve a lifestyle adjustment–something they could receive free training on, from droves of other executives laid off even since September 2008.

There’s no silver bullet; yet there’s a hole in our collective row boat. We can’t waste time fussing about whose end it’s in; start bailing. The votes have been cast; a Stimulus Bill has passed. There’s no time for smug, “I’m not responsible cause I didn’t vote for it” excuses. If there’s anything I hate it’s a quitter, worse yet a sore loser, or a person who refuses to entertain an idea that didn’t originate in their own corpus collosum. Let all that rationale comprise your campaign rhetoric next election. In the meantime, roll up your sleeves as elected politicians and work till the job is done.

What history will report on, is who did what to contribute to sound legislation to monitor the use of these Stimulus Plan funds; best ensuring that the end result is not perfect, yet the most favorable, towards solving America’s biggest problems.

This country, its citizens, and their financial health and hopes rest on your bi-partisan cooperation.

Debra L. Morrison, CFP, MS, AEP is a sought after international motivational speaker who motivates audiences of mature women to master their finances, through generous helpings of humor and analogy.

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