6 Awesome Tips to Get Fit While Doing Housework

Did you know that you can burn a lot of calories doing house chores? According to fitness experts, house chores can burn up to an average of 250 calories in an hour for a 150-lb individual. This post has highlighted some of the ways you can use your house chores to build up a sweat and get fit while doing housework.

1. Turn a bend into a functional exercise

Every time you are doing a chore that requires bending, turn the motion into an exercise by modifying the way you move. For instance, when picking up something from the floor, you can do it with a lunge. Or, you can do a full squat when, say, you are lifting groceries or a laundry basket.

2. Doing Laundry

Doing the laundry is a sure way to give you a great work out. It takes a lot of physical work to keep your clothes clean; from lifting up heavy laundry baskets, to lifting your arms upwards and downwards when hanging the clothes outside. Instead of using a washing machine, you can hand-wash your clothes to burn more calories and stay fit. Obviously, washing clothes by hand involves more physical activity than simply using a washing machine.

Here are other ways you can exercise to stay fit instead of using mechanized equipment:

  • Rake the leaves instead of using a blower
  • A manual mower will give you greater exercise than using a gasoline mower
  • Wash your car at home instead of taking it to a car wash
  • Washing the dishes, rather than using the dishwasher, involves a lot of bending and reaching actions which are good exercises to do.
  • Lay off blenders and choppers and use a mortar and pestle and a knife to do your food prep work.

3. Vacuuming

This is another house chore that can give you a great work out. In fact, it offers you the same level of physical activity as rowing or hiking. While at it, extend the stretches of your muscles by dusting even the hard-to-reach places. Again, consider doing the whole house in one go. This way, you are sure to work up quite a sweat.

Also, while vacuuming, add some lunges to tone up your buns and legs. You can begin at one end of the house and do lunges as you vacuum over to the other side of the house. However, do your best not to lean on the vacuum cleaner, but rather rely on it for balance only.

4. Do chores that use a lot of muscles regularly

Chores, like scrubbing a wall daily, sweeping, mopping, cleaning rugs, chores that involve climbing up and down stairs several times, ironing, and dusting (especially hard-to-reach places) are strenuous activities that put a lot of muscles to use. Doing such chores regularly is sure to keep you fit.

5. Consider making a playlist of upbeat music to help you set the pace while doing chores

Scientific studies confirm that listening to fast-paced music can encourage you to make quicker moves and maximize the results of your physical activities.

Use upbeat music when doing chores like vacuuming, mopping, cleaning windows, scrubbing the walls, and other such chores.

6. Other ways to get fit while doing housework

Doing tricep dips while, say, making your bed, or climbing up and down a ladder while painting, or decorating, or doing squats while loading the dishwasher, are examples of activities that you can throw in a few exercises while doing them and working around the house.

Big changes come from small beginnings so, even making the smallest change, or implementing one simple action, can help to make you fit, especially if you make it a habit every day. When you begin to build these habits, you can slowly increase the difficulty level and try working a bit harder, but remember; it all starts with building good habits.



Source by Bob Tom

7 Ways to Save on California Health Insurance

Health insurance premiums are at a all time high they are going up at a rate of approximately 15 percent each year. So there has to be a way to keep your promotions at a level that is affordable I am going to explain to you how. California has 7 companies that compete for your business and as of the date of this publication there are a lot of new plans out there that are saving people 30 to 50 percent off their health insurance premiums each month I am going to give you some tips on how to do that today.

# 1 Hire a Health Insurance Agent (Health Benefits Specialist)

There are a lot of people that sell health insurance but are not health benefits specialist that maybe your auto insurance agent that happens to sell health insurance but only shows one company make sure you hire an agent that represents a variety of companies. Whether you purchase your policy from an agent or straight from the health company itself the price of your insurance will be same they are regulated by each states insurance commissioner. Therefore by hiring an agent you are going to get an unbiased opinion of all the plans available to you in the state of California as opposed to just the carrier telling you why they are greatest and the best. I work for my clients and not the insurance companies I find my clients the best plan for their needs and budget.

# 2. Switch to a Health Savings Account (HSA) Plan

HSAs are becoming one of the most popular health insurance plans in California. The concept is simple; you pay for expenses below the deductible at a discounted rate and the carrier pays for everything after the deductible. Most HSA plans cover preventative care as a first dollar benefit which means that your deductible is waived. The savings are significant they are typically 50% less expensive then traditional plans. How much could save?

Family Traditional Plan $ 550 dollars a month for a family of four

HSA Plan – $ 250 dollars a month for a family of four

Savings of $ 3600 dollars a year

# 3 Choose A Higher Deductible

Most people while choosing a plan opt for the lowest deductible possible, however, you are paying for that low deductible in the way of higher premiums and coming out ahead in the end. Choosing a plan with a higher deductible can save the average family $ 1,500 or more. How much can you save?

Family Plan with a 500 deductible – $ 680

Family Plan with a 2,500 deductible – $ 315

Savings – $ 4,380

# 4 Ditch The Co-Pays

Yes, you only pay $ 25 when you see a doctor but the question is how much are those co-pays actually costing? There are many plans now on the market with no co-pays, however all doctor visits are still covered. You simply pay the network discounted rate, which is usually only $ 15 to $ 25 more than the co-pay. How much can you save? Here's an example:

Family Plan with Co-pays- $ 425

Family Plan without Co-pays- $ 290

Savings- $ 1,620 a year!

# 5 Shop and Compare

There are at least seven (7) major health insurance companies in California each offering 12 plans or more on average. That's over 84 plans on the market. Well to be perfectly honest there are over 250 plans to choose from in California so you have a great selection of plans. It is a big mistake to think that similar plans have similar price. One carrier could charge $ 500 per month for a PPO plan with a $ 1,000 deductible. Another carrier could charge $ 350 for the same exact plan. So make sure you compare carriers.

# 6 Annual Policy Review

Every year many carriers come out with new plans with lower rates. When you choose a new plan you are typically getting the lowest rates in the market and can save 30% to 60% off your current promotions.

# 7 Look at plans with generic only prescription drug coverage

You can typically save 20 percent or more on your health insurance premiums by only getting health plans that have generic prescription drugs costs. So if you are healthy individual looking for coverage not on any medication this could be an alternative for you. More and more drugs now have a generic alternative so another suggestion to save money is to ask your doctor if they have a generic version of the drug you are on.

I hope you have come away learning something you did not already on how to keep your health insurance premiums lower in the state of California.



Source by Marc Hart

Best Prepaid Credit Card Features

The best prepaid credit card is one that allows you to rebuild your credit while helping you to avoid all the extra charges and pit falls of regular credit cards. In today’s economy this is an important and valuable alternative.

It is legitimately argued, that the credit card mess was widely due to people buying things with credit that were way above their means. However, there were also people who were responsible consumers that simply got into trouble due to timing rather than careless spending. Even a day or two late, a computer glitch with an online payment, etc. tacked on an extra thirty-five dollars in late fees plus interest charges. Some card companies even offer convenient online payments, but charge a fee to do that as well. Soon you’ve spent more in fees than you ever spent in merchandise. The best prepaid credit card is the one that helps you avoid all this nonsense.

To find the best prepaid credit card, one must do some responsible research. The Internet can be a great resource for information on prepaid cards. You can also check with your local financial institutions to see if they offer prepaid credit cards. Be sure to ask questions about policies, fees and any possible benefits.

One of these possible benefits should be a credit building program. Since prepaid credit cards are essentially cash secured, really, they are just like a debit card, the best prepaid credit card would eventually allow the cardholder to show good credit management at very low risk to the card issuer and gradually extend non prepaid credit to the cardholder, thereby raising the credit score. As far as fees go, most prepaid cards charge a small fee to open the account, much like a regular bank account, and will generally charge a fee for redepositing money into that account once the initial amount has been used.

Regardless of the benefit, it is still important to choose the best card for the individual and remember to always read the fine print. Be careful to avoid scams and unknown or unfamiliar financial institutions and never allow yourself to reenter the pitfalls that caused the issue in the first place.



Source by Louis Zee

Debt Management – More Ways to Save on Gas Consumption

The price of gas continues to climb, and with continued uncertainty in the Middle East, they will probably continue to do so. In California and elsewhere, prices for some grades of gas have now reached the previously unthinkable three dollars a gallon. Granted, that is lower than the inflation-adjusted prices of early 1981, but that does not make anyone feel better when they've just paid nearly $ 100 to fill the tank of their sport utility vehicle.

In a previous article, we offered some solutions as to how the average consumer can either save on gas prices or use less gas. These tips included using credit cards with cashback rebates, keeping your car tuned and tires inflated, and keeping the car washed and waxed, which reduces drag. Here are a few additional tips which will help ease the strain of filling your tank.

  • Empty your trunk. Some people drive around with their trunks near full with things that just do not need to be there. Sure, you need a jack and a spare, but do you really need a toolbox, golf clubs, and that pile of old clothes you've been meaning to drop off at the Salvation Army? Any extra weight you carry requires additional energy to make your car or SUV move. Lighten the load and your engine will not work as hard or use as much fuel.
  • Drive efficiently. That means accelerating gradually, rather than speeding out of an intersection. Your car uses fuel more effectively when you gradually accelerate. Once you achieve your desired speed, keep it steady, using cruise control if you have it. Speeding up and slowing down only uses more gas.
  • Shift appropriatively if you're driving a car with a manual transmission. Shift at the factory recommended shift points, rather than running your tachometer all the way up before shifting. Your car runs best within a fairly narrow RPM range.
  • Each of these tips offers a small saving in fuel consumption. When combined with others, they add up and can produce significant savings. If you can increase your fuel consumption by just two miles per gallon, you can save $ 30-40 on a 1000-mile trip in your SUV. When you're paying $ 3.09 per gallon, every penny counts.



    Source by Charles Essmeier

    Beware of Car Insurance Cancellation

    Insurance failure is a dreaded experience and if you are doing the right things as a driver you will not get one. Some people do receive the notice that they have been officially dropped by their insurance company and many have to scramble to get additional insurance after a cancellation. Cheap auto insurance rates are usually hard to come by after a cancellation. Knowing the main reasons for auto insurance cancellation can help drivers prevent losing one of the most important privileges available to us all … the ability to drive safely.

    There is usually a process for cancellation of car insurance. It usually never happens out of the blue and most people who are canceled know why. Basically the car insurance company will send the policyholder or driver an official letter via postal mail stating the car insurance policy is subject to cancellation effective a particular date. Insurance companies are legally required to notify an individual of cancellation of a policy in ample sufficient time for the policyholder to take action in regards to the letter. The letter will also offer an explanation for the cancellation. The canceled driver has the opportunity to contact their insurance company to resolve the issue if this is possible. Depending on the reason for cancellation a resolution may not be possible and the driver will have to find replacement car insurance before the policy cancellation date. Your insurance company may contact your local Department of Motor Vehicles (DMV) to advise of your insurance cancellation. Failure to obtain insurance can result in additional problems with your state DMV as some states charge uninsured drivers for each day they are uninsured.

    There are a couple of reasons for forced car insurance cancellation. One reason is risky driving behavior. If you are suspected of multiple moving violations, involved in repeated accidents or are under the influence of drugs or alcohol while driving your policy will be canceled. Car insurance companies are in the business of taking risks but they will not tolerate a driver placing him or herself, other people and the insurance company at risk because of jeopardous behavior. Insurance fraud is also a reason for insurance cancellation. Some drivers cause accidents repeated to collect the monetary benefits for injury and damage. Repeated claims of this sort are an indicator that the driver is not using his or her insurance responsibly and then the policy is canceled. A final reason for insurance cancellation is the failure to pay on time. If you do not pay your insurance timely it will be canceled. Insurance companies will not provide coverage if the premium is not paid. You can have your insurance reinstated if you are willing to pay any back insurance charges and current charges at once. The ability to do this however is determined by the insurance company.

    It is in the best interest of every driver to avoid actions that will cause cancellation of their auto insurance.



    Source by Melanie Ullman