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

IFTA Fuel Tax Software – Minimizing Efforts and Maximizing Performance

IFTA Fuel Tax reporting and payments are an important requirement for all trucking companies in United States and Canada. The fuel taxes in all 48 states of United States and 10 provinces of Canada are not the same. They vary according to the place, so it is very tough for trucking company owners to file International Fuel Tax.

The International Fuel Tax Agreement (IFTA) is a common legal understanding between United States and Canada (48 states of US and 10 provinces of Canada), that deals with simplification of reporting fuel tax by motor carriers.

According to IFTA, trucking companies have to pay quarterly taxes to all states (where there trucks are ferrying). Even the tax rates in different states are different and the tax is calculated based on miles driven by a truck in any particular state. Trucking companies has to rely upon the manual logs maintained by drivers on daily basis. It was not less than a nightmare to finalize the IFTA taxation process for trucking company owners.

For owners of multiple trucks, keeping track of all trucking receipts for their fleet was time-consuming and in case if any mistake either by owners or by drivers, the possibility of error on your fuel tax reporting could lead a completely new set of worries.

To automate this task of reporting IFTA Fuel Tax and minimize the possible errors caused by manual calculation, some companies came up with a customized software application, specifically developed to handle all tasks related to IFTA Fuel Tax reporting. The IFTA Fuel Tax Software reduces the complexity involved in this task and makes it just a game of few mouse clicks. The software does all the calculation itself providing you accurate details of taxes to file in individual states.

Due to an attractive market for IFTA Fuel tax Software, there are several players in development of such customized applications. However, it is completely up to the trucking company owners to test and judge the best possible software applications suiting their needs. The licensing, applications, reporting features, and user interface were some of the decision makers for purchasing a IFTA Fuel Tax Software.



Source by Ray K Donovan

How to Compare Low Cost Car Insurance in North Carolina

Children grow up quickly and before you know it they are heading off to college. Many college age kids lose the luxury of having unlimited use of the family car when they go to another state for school. Kids who parents live in North Carolina should know that if they are kept on their parent's car insurance policy in that state, that they are covered they should borrow a friend's car in another state.

Likely the parents are going to be the ones who are most concerned with the cost of the family's car insurance policy. In order to find the best price, a person needs to compare low cost car insurance in North Carolina to be certain they are getting the best rate. To do this you need to contact at minimum three different insurance companies to get quotes.

It's best to start with any insurance company you already do business with. If you have one company supplying your homeowner's insurance and another company is handling your health insurance, contact them and ask about a multi-policy discount. Most companies want all your business and to get it they will offer a reduction in the premiums for every policy. Not only will this result in you having to pay less for your car insurance, but you'll also save on every one of your insurance needs.

When asking for quotes, be certain to inquire about the same level of coverage with each. Be clear on whether or not you want collision, comprehensive or medical coverage. Also ask about the term length that the quote reflects. Some companies will give you a quote for a six month policy while others will supply a quote based on coverage for an year year. You want to have quotes that are all based on the same length so you can compare costs and decide which best suits your budget.



Source by Deborah Mills

Why is a Car Lease the Best Option for You?

Car leasing has been traditionally regarded as a beneficial phenomenon for reasons more than one. At the sunset, if you are leasing a car instead of buying the same, you are absolutely avoiding almost life-long commitment to a car with depreciating value. Add to that, you're coughing up less on maintenance and as monthly fees as well. Explored below are other reasons why leasing a car turns out to be a great option for you!

A car with "better value" guaranteed!

When compared to buying, leasing remains a more fruitful option because inevitably you are paying for the depreciation of the car during the lease period only. Since you do not own it you are not really committing to the car's value for a longer time. Your monthly payments, as a result, are lower than other forms of finance. This, in turn, leaves you with the option to secure a more desirable make or trim. You are basically driving the car mostly during its trouble-free years.

Latest Technology

As someone leasing a new car you are actually enjoying access to the latest technology backing cars. MirrorLink, for instance, remains one of the popular additions in the line-up modern techniques. It syncs your smartphone screen with that of your car's improved night vision. Then there is Autonomous Emergency Braking which minimizes the risk of crashes.

Down Payment is not always Mandatory!

If you are leasing a car, you do have the option of not selling out down payment. However, you need to make the first month's payment along with the registration fees and official tag. In this regard, it must be stated that there might as well be some car lease promotional deals that require you to cough up the down payment.

What are the Big Ticket Monitoring Costs: How can you avoid them?

The big-ticket monitoring costs can be duly avoided as well. Since you are driving the car in its trouble-free years, you will not really be required to replace the aircon units or for that matter the timing belts. What more? You might not as well require batteries as well!

Are manufacturer's warranties covered?

If you are prudent enough to lease for a term which is almost similar to the manufacturer's warranty coverage, you will actually have your car repairs covered. Depending on the terms of the lease you might as well find some companies offering you free scheduled maintenance services.



Source by Christopher Amico

Pay-As-You-Drive Personal Auto Insurance – Recent Developments

California private auto was changed forever in 1988 with the passage of Proposition 103. Among other things the regulations provided that insurance companies must accept all good drivers (as defined by them) and rate auto on 3 primary factors: Driving Safety, Annual Mileage, and Years Driving (rather than age of driver).

Later some 40 other factors would have accepted onto a list of other permitted secondary factors, although insurance score is not one of them. Territories were abolished in factor of some statistically-built bands related to accident frequency and other factors. Occasionally, even the number and differentials between bands would be narrowed.

The effect of the original regulation and the consequential changes was to cause or increase subsidies for a variety of policyholders:

  • Drivers with accidents subsidize good drivers
  • Long annual mileage drivers subsidize short annual mileage drivers
  • Urban drivers subsidize rural drivers
  • Nearly everyone subsidizes low experienced male drivers

The existence of these subsidies causes shortages in the marketplace and influences behavior that may not be desirable. For example, if drivers with accidents pay too much overall, this may cause an incentive to under report accidents. Less data is usually not good – the absence of accidents in the database will extremely raise rates for the next lower level of accident-proneness, as the higher risk drivers seem to belong in the lower accident group based on their statistics.

Other effects of forced subsidies are the introduction of new companies that are specialists in the over-priced segment of the market, increases in the number of drivers in the temporary market, and rate increases for truly good risks.

Pay-as-you-drive insurance:

It is the limited number of categories for annual miles driven that catches the attention of regulators and others wanting a more refined rating plan. Number of miles driven looks like a reasonable way to measure exposure and is easily understood by policyholders. Presumably in combination with "where you drive" (territory, that is. Although this is not "where you drive", it's "where you LIVE"), it would seem to cover a driver's exposure very well (see next section for what research shows).

The new proposed regulation is being touted as a "green" provision, encouraging drivers to drive less by having their insurance coverage apply by mile driven. California Insurance Commissioner Steve Poizner has proposed this optional rating mechanism, allowing insurers to offer a voluntary option for consumers who are interested in pay-as-you-drive coverage.

Consumer groups are opposed, saying that there is not enough protections in the law for protecting the privacy of insured's everyday activities. Some tracking mechanisms include "OnStar" satellite and GPS-based meters similar to those used in cell phones.

Quoting from the article:

"The Environmental Defense Fund estimates that if 30% of Californians participate in this voluntary coverage, California could avoid 55 million tons of CO2 between 2009 and 2020, which is the equivalent of taking 10 million cars off the road. This would save 5.5 billion gallons of gasoline and save Californians $ 40 billion dollars in car-related expenses. Additionally, the California Air Resources Board has recommended the adoption of pay as you drive as one of the means to meet future climate change gas reduction targets. "

Hard to ignore potential emissions reductions like these numbers.

b> But the research shows:

The research shows that pay-as-you-drive insurance may not get at the true exposure to auto insurance claims for each insured. For liability coverages, age / gender combination, along with insurance score and geography are the largest claim level predictors. For property damage coverage, the model of the car takes over as the number on predictor (the others then follow). This information is from a research paper The Relationship of Credit-Based Insurance Scores to Private Passenger Automobile Insurance Loss Propensity, Michael Miller, FCAS and Richard Smith, FCAS, Epic Actuaries, June 2003.

Pros / Cons of Pay-As-You-Drive:
Pros:

  • Exposure for insurance tied to miles driven – easy to understand by drivers
  • The amount you pay for insurance would be directly controlled by the driver, rather than on factors such as sex, age, martial status, etc. that the driver has no control over.
  • The current proposal is for an optional credit, giving low mileage drivers a choice.
  • Reduced emissions

Cons:

  • The amount a driver pays should be as closely tied to his / her exposure to loss as possible, to avoid cross-subsidies and comply with Actuarial Standards and Principles.
  • Tracking mileage is difficult and some methods proposed inspire fear of lack of privacy in some consumers and consumer watchdog groups.

My opinion is that there are better, less complicated ways to refine the rating plan options when it comes to annual mileage, and still emissions lower emissions and "green" policies. One obvious one is to simply increase the number of mileage bands in the current plans and offer "green" discounts (and debits) based on the type of vehicle covered. Discounts for Prius's, debits for Hummers.



Source by Kimberley Ward