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People save and invest to improve their quality of life. However, it is easy to make mistakes that can cause stress and cost you money. You can avoid those mistakes and keep your investment on track by outlining your financial goals.

It is a common investment mistake for investors to have no idea why they are investing. So, you should ask yourself…

Why are you investing?

Do you know why you are investing? What are you going to do with your money? What is most important in your life?

“Making money” is not a good enough reason to invest. How do you see yourself spending your money in a year? Five years? Ten years? If you can clearly explain your goals, you have taken the first step toward making your own investment plan.

With that in mind, write down your financial goal. One simple sentence is all you need. For example, you can write “buy a home”, “pay for college,” “start a business,” or “retire as a millionaire!”

Next, write down the amount of money you think you will need to accomplish your goals.

Don’t worry about trying to fit in every little cost. You can always revisit your target later when you check your performance. Focus on your goal, and try to write down a target number.

This number will be different depending on your goal. For example, maybe you’re buying a $100,000 home, you may want to save $10,000 for a down payment. Maybe you need $5,000 to start a business or $50,000 to pay for college. If you don’t have much money to invest, you can make up for it by investing over a long period of time.

Finally, consider the importance of your investment goals. How important is your retirement, your kid’s college tuition, or your down payment on a house? The importance of your investment will give you an idea of your risk level.

Every investment has risks.

You don’t want to take too many risks. However, you need to take some risks to earn a reasonable return. Also consider the amount of time you will be invested. If you have more time to invest, you may be able to take risks and still catch up if you run into trouble.

Ask yourself if you are ready to invest before you move on. Be honest with yourself.

You may not need to invest your money. Would you be better off paying off your debt? Can you afford to just save your money rather than invest it? Make sure you can commit enough money and time to investing.

It is important to stay motivated toward your goals and keep them in mind when you invest. Every investment decision you make should move you closer to your goals. You should be willing to learn, improve, and work toward your goals as you invest.

If you can stay committed and keep that motivation toward your investment goals, you are much more likely to succeed!

A. Michael Hayes, Jr

You can learn more about how to achieve your financial goals at my website, Great-Mutual-Funds.com.

Indian weddings are easily among the most colourful, elaborate and lively in the world. Unlike the West, where it is the bride and the groom that are the prominent characters, in an India wedding, it is the immediate and extended families on both sides that are the star players! A wedding is a social affair, and heralds the coming together of not just the couple but of their families as well. So, it should come as no surprise that a majority of the youth comply with their family’s wishes even today and go in for arranged marriages.

A typical Indian wedding comprises of three broad segments – the pre-wedding ceremonies (which are almost as elaborate as the actual wedding itself), the wedding and some post-wedding rituals.

India is a vast and diverse country, with the North, South, East and West each having its own distinctive languages, cuisine, customs and traditions and wedding rituals.

North Indian marriages

A traditional North Indian wedding takes place at the brides’ home. North Indian marriages are characterized by several pre-wedding and post-wedding ceremonies. The most important pre-wedding ritual is that of the Mangni or Sagai (engagement ceremony). The boy and the girl exchange rings in the presence of a religious priest and family and close friends.

On the actual day of the wedding, the boy’s family sets off for the girls’ house in the evening amidst a lot of cheering, dancing and general merriment. The groom mounts a brightly adorned horse, usually with the youngest boy of the family sitting up front with him. He is preceded by a crowd of his male and female relatives, and friends, dressed in all their finery and accompanied by a musical band. His face is covered with a curtain of flowers (the sehra which is tied by his sister). The noisy, procession, with the band belting out the tunes of the latest Bollywood chartbusters, makes its leisurely way past residential houses, busy streets before finally arriving at the girl’s house.

The groom and his family are warmly received by the girl’s family, new members greet each other by exchanging garlands of flowers.

Finally, the groom and the bride, seated on a dais, get up to exchange garlands in the Jaimala ceremony – one of the most important of North Indian wedding traditions -amidst a lot of good-natured cheering.

The next part is the most symbolic one – the Saat Pheras (or the seven steps) that the bride and groom take around the ceremonial fire. Thus usually takes place very late – usually after 12 midnight – much after the guests have feasted and left and only the very close relatives on either side are left. Both of them circle the scared fire, taking vows to love and honour each other throughout their lives. The groom then applies a streak of vermilion to the bride’s head, after which they become lawfully wedded husband and wife.

The bride is then given a tearful send-off by her family as she leaves with her new husband to start a brand-new life.

South Indian marriages

The biggest difference between North Indian and South Indian weddings is that the latter takes place during the day instead of at night. The basis for the rituals is the same except that they are conducted in a different manner.

The wedding venue is usually a hall where the wedding mandap ( a small covered enclosure) has plantain trees tied to both the gateposts, overhead festoons made of mango leaves strung together, and Rangoli designs (intricate designs made with coloured powder) at the entrance.

The evening before the actual wedding day, the bridegroom is led in a flower-decked procession from a temple by the bride’s parents to the marriage Mandapam (hall). Once there, the formal espousal ceremony takes place. The elephant-headed god Ganapati, the God of Initiation, is invoked, and is entreated to keep away all obstacles away from the couple.

The ritual is followed by presenting clothes to the couple. Interestingly, the marriage ceremonies are performed separately by the bride and the groom.

The marriage ceremony is formalized in the hall by a Vedic priest who chants ancient hymns and verses, recalling the names of three generations of ancestors of both, the bride and the groom before all who have gathered to witness the wedding. The bride and the groom exchange garlands when they are lifted onto the shoulders of their respective uncles.

The bride then sits on her father’s lap for the ‘Kanyadan’ (giving away the daughter) ceremony to the bridegroom. The bride is presented with a Mangalsutra (the scared necklace that signifies her married status) as well as a new sari which is draped around her by the sister of the bridegroom.

After this, the groom walks seven steps with his bride, holding her hand in his. The seven steps are the most important part of the wedding ceremony.

The wedding is followed by an elaborate and delectable wedding feast, usually vegetarian.

It is not clear how music influences the individual. Some experts insist that music and musicians influence young people. Other sources insist that certain individuals respond to particular types of music and musical expression. Either way, today’s youth can see how their favorite musicians dress and behave, both in public and in private, via the multiple media sources which are constantly monitoring the world’s celebrities. Young people can then elect to change their own appearance and behavior to reflect the musician and musical style that they most identify with.

Two separate, but related, theories explain how individuals relate to and express themselves through music. Social identity theory indicates that people “borrow” their identity from the society in which they live. The individual’s adopting of a group identity through music is a way for that person to conform to the ideals, goals, and norms of the society as a whole. The opposite of social identity theory says that some individuals elect to behave in a manner that is contrary to societal norms. These people prefer to adopt their own style and stand apart from everyone else. This is called personal identity theory. These theories are interrelated because, even though personal identity theory identifies the individual aspects of expression, the person is still identifying as a part of a sub-group.

Young people are more likely to subscribe to varying forms of identification through music; especially those forms that my not conform to the larger society. As young people move through the adolescent years and into young adulthood, they are more likely to explore and experiment with their own identity through music than older adults, who have likely settled into one genre that they identify with. Looking at music in this way makes it easier to see how it has always been, and remains, a socializing agent; a way for young people to explore their independence as they move away from the authority of their parents.

This perspective on music can hide the influence that music has on children. The music of the past century has played an important role in the lives of young adults, yet music may be having an expanding effect on individuals who are even younger. Remember that music has always been an important part of every society. Children are socialized through songs that are shared with them at many ages. Children’s songs can be as simple as songs that teach basic information, such as ABC’s and 123’s, and they can teach social skills and acceptable behavior (think Sesame Street and Barney). Still, children have access to the same music that young adults have access to; and sometimes this music is not age-appropriate. This phenomenon has ushered in the debates about whether or not exposure to certain musical influences is having a harmful effect on the nation’s youth.

Interestingly, one study has found that females are more likely to be influenced by music than males, although both genders find expression through music satisfying. This may be because females are typically socialized as members of a societal group and males are typically encouraged to be self-sufficient. The study’s authors believe that the socialization process makes females more susceptible to musical influences than males.

The 21st century has been the age of so many technological breakthroughs and advances, technologies aimed for one purpose and that is to make the lives of people better by helping them become more efficient in their work. One such technological breakthrough is computer technology.

Computer technology has grown in great proportions starting from a computer with a size that of a room to a small well-designed palm top computer. Computers nowadays have become an indispensable part of the lives of people, especially at work, at companies, businesses, schools, offices and even in homes.

It has made the world smaller, but has it made our world better? It would then lead us to ask whether computer technology is good or bad. Now let us try to look at first some of the bad effects. With the advent of computers and with the internet it has become easy to access pornographic sites, children are more exposed to explicit content; some students would lose focus on their studies as they play computer games. The number of obesity cases has increased and it has been attributed to too much computer activity that led to less physical activity among a number of people.

On the other side of the coin, computers have opened a whole new world of possibilities. It is now easier to gain information on world events; you can even find a job in the internet; you can spread advocacies to a vast number of people all over the world; and most importantly it is now easier to be connected with one another even if you are on the other side of the globe.

Computer technology, just like any other material on earth has been created with a common good in mind. Just like a knife, it has been made to cut and slice food to speed up cooking time for people but it can also be used to kill people, and you cannot ban the use of knives in order to stop killing. And so you can’t blame computers for the problems it may have caused for it is the people who use them who caused the problem. It has disadvantages and advantages that must be taken into consideration.

But the problem is not computer technology itself; the problem resides on the people who use it. Computer technology is generally good for it can bring in a lot of good if it is used properly, but can do great harm if used unwisely.

People have choices on how they make use of earth’s resources, and that choice will determine how certain materials will affect people, be it good or bad.

 

As you go about your quest to live a healthier lifestyle, it is not only essential you consider the foods you are putting into your body, but also the beverages you are taking in as well. The fact of the matter is even slight dehydration can have a profound influence on how you feel and function on a daily basis.

Learning to recognize these signs before they get too serious may just help you prevent unwanted issues before they start. Most people know thirst as the main sign, but there is more to be on the lookout for.

Below are four key signs of dehydration not so recognizable that you will want to keep your eyes open to…

1. Headaches. You know the pounding throbbing headache you sometimes have? Perhaps the problem could be attributed to dehydration. Most people are fast to write their headache off as just a normal occurrence, but it may not be. If you are chronically dehydrated, you may be experiencing headaches far more frequently than someone who isn’t.

Take in a glass or two of water and see if that doesn’t give you relief.

2. Sleepiness. Chalking your mid-day sleepiness off to only getting seven hours of sleep the previous night instead of your usual eight? Sleepiness can also be a sign of dehydration. Ideally, you will want to start your day off with a large glass of cold water and then keep the water coming in beyond that point.

By doing so, you can ensure you are putting your best foot forward regarding combating drowsiness during the day.

3. Muscle Cramps. Feeling those muscle cramp more often? Or perhaps you are getting those annoying muscle twitches as of late. Both can be attributed to lack of sleep. When you are not well hydrated, your muscle cells are not functioning normally, and you may be more prone to experiencing irregularities with contractions.

Muscle contractions are especially common during exercise, so if you have to take a stop during your run because of a bad leg cramp, it may be time to drink up.

4. Lightheadedness. The last sign you could be suffering from dehydration is feeling lightheaded. Lightheadedness comes on because your blood pressure is low, which is also a sign of not enough fluids entering into your body.

When dehydration occurs, less total blood volume will be circulating throughout your system, which then causes overall blood pressure levels to lower.

Take in a glass of water, and that should fix things almost immediately.

There you have a few of the not-so-obvious signs you may be suffering from dehydration. Are any of these impacting you?

 

We are living in a world surrounded by numerous things that are either related to the technology, the latest gadgets or the latest fashion. And Fashion today has made its significance felt in almost all sectors of life. Fashion can be termed into two groups: One group which follows fashion trends and adopts them and the other group who create fashion and style statements for the others to follow them. It can also be extended to another set of people who rarely have anything to do with fashion trends but yet follow their own style to create their own unique personality; adding one more style to the fashion world.

Fashion is not just about cosmetics and make up or the hair-do. It is a sense of creating the charisma of looking good in anything you wear and this magic is created with the right kind of accessories going along with the foot wear and the clothes, making up a pleasant picture to view. Many a times, people who do not afford to buy expensive clothes look their best in their casual wear, just by presenting themselves in that manner of sophistication and creating an aura around them with the confidence of looking good.

There are myriad forms of fashion, and trends keep on changing with the seasons. From the early 60s and 70s to the present millennium, there has been an immense change in the forms, looks and thoughts about fashion trends.

In India, much of fashion has been influenced by the Hindi Film Industry, popularly called Bollywood. The trends that have changed through time can be fairly seen in the movies made during the 60s and 70s and how they have evolved in various forms bringing about a style that can be followed by the general public. People have aped the west from very early times and this was no exception. The clothes made in the 60s and 70s were very much influenced by the western countries and given a traditional touch. The Bell Bottoms, scarves and the hair style was very much prevalent in those days as an icon of style. Later in the 80s and 90s, Fashion world sizzled like never before. There was a craving by the people to look different, stylish and modern and this could be seen in their outlook towards their outfit, new styles of hair, makeup, accessories like purses, earrings, necklaces, matching footwear etc.

People were conscious about each and every new thing that was marketed and they copied the styles from their Bollywood idols. Bollywood started as a platform for theatre artistes and went on to become a commercial entry to the youths and aspirants for a career in the film and fashion industry. This gave the youth of today to emphasize on the fashion world. Art and music have become an inseparable thing of the past and so it is deeply rooted in the present as well with more features and facilities.

Today fashion, art, music, designers, dance etc all have a place in the industry and people can choose to take up anything related to this industry as their profession too. Art and music have long been implemented in the school co-curricular activities and the Higher colleges are now offering various courses for better professionalism in these areas. There are also various acting schools and the small screen i.e., the television has opened up avenues in bringing out the talent in the young minds through numerous platforms of music and dance. This is the innovation of the millennium in creating jobs and work in the fashion industry. The trends that we see are brought about by the fashion houses that have regular seasons to showcase their invention, many of which are popularized in FTV, Zee Trendz and TLC channels. We can also get a glimpse of the stylish outfits through these shows that the models present. Today, Modelling is also one of the platforms for an entry into the world of fashion.

In the yester years, fashion was constrained only to the actors in the film or those that were bold enough to carry themselves in the public that they were considered fashionable. Others just wooed them behind close doors. Slowly when times began changing, we could see the women showing off their styles in the traditional saree with an embroidered blouse and a different neck style. Then we saw the saree being draped in various styles like the Bengali style or the Gujarati style etc. The women were liberating their choice of freedom and it could be seen in their appearances with a high heeled slipper or the handbag she carried or the way she held her saree or the hair and the makeup she wore. All these changes brought about the invention of churidhars and then the salwar kameez and finally the fashion of dresses was out in the open. Women accepted to the fact that there was nothing wrong in looking good and the men of course, loved to see the attractive side of women and fantasized the idea over their spouses.

This change in attitude of the public was very well taken by the fashionistas and a huge market was created to meet the demands of the public. Today fashion creates a new look with distinct style for a particular person and keeps oneself updated with the latest trends seen in the market. This industry is popular for its glamour as well as the mixture of Indian tradition and culture put into the designer wear that the models showcase.

People love to experiment different textures of materials used in the outfits and so the designers give them a wide collection of dresses using all kinds of clothes. There is the traditional Khadi and silk combination that is presently creating waves seen in both men’s and women’s wear. Then we have the embroidery work in zardosi, swarovski studded tops and lehangas and multi stoned work in bridal collection sarees etc. Then the most sought materials like cotton, polyster, chiffon, crush materials used in varied iconoclastic designs and styles.

Always there is a hope for the designers that the youth want a change in the fashion and are glad to keep up the trend with a fusion of Indian and western mix of fashionable wear. Also the youth of today are very practical in their sense of styling for a particular occasion. Be it a party or for a marriage or the casual look, they want the best and they believe in looking the best. And to achieve this, people go one step ahead in ensuring that they have everything in their wardrobe for any kind of occasion.

Apart from the stylish clothes and fashion that is currently popular people want to try something that goes along with their outlook. So the market started towards the very own friend of a woman- The Hand Bag or the Purse. The Fresh look of a purse with magnificent colours and its stylish features like the chain handle or the jazzy zips with numerous pockets in different shapes attracted the public like never before. And with the increasing demand of the prices of branded purses, it became a must for every woman to complete her shopping. So did the other accessories line up by creating a place for themselves in the market. Just a few to quote, the earring and necklaces, the various Belts, hand bracelets and brooch, the stiletto and its wonderful embroidered, party wear slippers along with its brotherly high rugged shoes giving a perfect cowboy look etc.

Fashion has always been a very interesting topic for all women and now the trend has even challenged the men to compete for a more appealing look for a remarkable future in the world of Fashion to make it a full fledged acceptable thing for all genre of people.

Kiriti C Chavadi

Bangalore

 

Advertising is a form of mass communication with the public. It is usually one sided i.e. from the company to the buyer/potential user of the product. It is a form of communication that typically attempts to persuade the potential customers to purchase or consume more of a particular brand of product/services. As rightly defined by Bovee, “Advertising is the non-personal communication of information usually paid for and usually persuasive in nature about products, services or ideas by identified sponsors through the various media.”

Advertising an important tool of communication is use to promote commercial goods and services, it can also be used to inform, educate and motivate the public about non-commercial issues such as AIDS, Don’t drink and drive, Polio, Save water, electricity, animals and trees etc. “Advertising justifies its existence when used in the public interest – it is much too powerful tool to use solely for commercial purposes.” – Attributed to Howard Gossage by David Ogilvy.

Advertising is most effective with products that can be differentiated from similar products based on consumer accepted quality difference. Tom Egelhoff has classified advertising in 6 types, i.e. for company image, name brands, advertising service instead of a product, business-to-business advertising, co-op advertising and public service advertising. Television, Radio, Cinema, Magazine, Journal, Newspaper, Video Game, Internet, Billboard, Transit Cards, Sandwich Board, Skywriting are the different mediums used to deliver the message. The companies choose the method according to the cost, budget, target audiences and their response. However, word of mouth advertising/ personal recommendations is an unpaid form of advertising which can provide good exposure at minimum cost.

Various new forms of advertising are growing rapidly. One of them is Social Networking Advertising. It’s an online advertising with a focus on social networking sites and use of the internet/ World Wide Web in order to deliver marketing messages and attract customers. The other is E-Mail advertising; E-Mail Marketing is often known as “opt-in-email advertising” to distinguish it from spam. “I believe ‘credibility’ is one of the biggest issues yet to be addressed by Internet advertisers. Everyone has their eye on ‘privacy’ as a critical concern, but credibility will be far more enabling or disabling to website profitability. A company can have a web presence and, unless the brand name is familiar, consumers have no way of knowing whether it’s a big company, a small company, an honest company, or a single scoundrel. I may be worried about my personal data being disclosed in violation of my privacy, but I’m far more concerned about whether or not the person or company with whom I’m dealing is reputable. Can I believe their claims? Will I have a recourse if something is wrong with the merchandise? Credibility no longer is strictly a brick-and-morter issue. I can’t judge someone by their place of business, when I conduct that business on the Internet. I can’t grasp a hand and look into their eyes to judge their veracity. Credibility is a huge issue.” – Jef Richard.

For a message to be effective keep it short, simple, crisp and easy to absorb. It is essential to translate the products/services offer into meaningful customer benefit by advertising and to build awareness and generate response. REMEMBER: – THE AIDA MODEL -ATTENTION, INTEREST, DESIRE AND ACTION.

In the modern scenario, most of the companies outsource their advertising activities to an advertising/ad agency which is a service business dedicated to creating, planning and handling advertising and sometimes also performs other forms of promotion like public relations, publicity and sales promotion for its client. Departments of the advertising agency includes: – The Creative Department (who creates an actual advertisement), Account Service (who is responsible for co-ordinating the creative team, the client, media and the production staff), Creative Service Production (here the employees are the people who have contacts with the suppliers of various creative media), Other department and Personnel. (like public relations). As said by David Ogilvy once that the relationship between a manufacturer and his advertising agency is almost as intimate as the relationship between a patient and his doctor. Make sure that you can life happily with your prospective client before you accept his account.

Thus, I would conclude by the famous words of Bruce Barton (1955), “Advertising is of the very essence of democracy. An election goes on every minute of the business day across the counters of hundreds of thousands of stores and shops where the customers state their preferences and determine which manufacturer and which product shall be the leader today, and which shall lead tomorrow.”

 

While the worlds of sports and fitness are intertwined, it was not until the 1970s that popular culture was ready to accept fitness as eagerly as it had accepted sports. Fitness had not yet taken on its importance for improving health, and popular opinion likened fitness to work and manual labor. In the 1940s and 1950s, few participated in fitness willingly. Among those who did were Jack LaLanne, Victor Tanny, Joseph Gold, Joseph Weider, and Les and Abbye “Pudgy” Stockton. These fitness pioneers, among others, drew people to the beach in Santa Monica, California-the original Muscle Beach. Visitors came to watch their feats of strength and acrobatic displays. More and more viewers became participants, and these people, originally on the fringe, became a part of the cultural mainstream. Jack LaLanne, Vic Tanny, and Joe Gold all started gym chains with bodybuilding as their main focus. Due toPage 602 the influence of Abbye “Pudgy” Stockton, women were introduced to the muscularity and strength that came with bodybuilding. No longer reserved for just for “strongmen,” bodybuilding brought about a change in the mindsets of all those who visited Muscle Beach.

From the seeds planted at the Santa Monica came Venice Beach, the home to bodybuilding legends Arnold Schwarzenegger, Frank Zane, and many, many more. Venice Beach in the 1970s brought with it a fitness explosion across the globe. Not only did bodybuilding become mainstream, but the popular opinion of fitness changed dramatically. Americans in the 1970s would do anything to improve their health and fitness.

Sports and athletics grew in the 1970s as well. Women became increasingly more interest in participating in sports; however, very little funding was available for the development of woman’s athletics. A landmark law was passed in 1972. Part of a series of educational amendments, “Title IX,” legislated gender equity in athletics. Not only were women becoming more active and more physically fit, a law now existed that called for equal funding and equal opportunity for female athletes. On 21 September 1973, female tennis star Billie Jean King defeated Bobby Riggs in the first-ever winner-take-all “Battle of the Sexes” tennis match. The hoopla surrounding this event-and its outcome-provided even more incentive for women to become involved with sports and fitness. By 1977, a record 87.5 million U.S. adults over the age of eighteen claimed to be involved in some sort of athletic activity.

The fitness industry continued its growth into the 1980s. Gym owners tailored their facilities to attract customers and new gyms opened around the United States and around the world. A healthy lifestyle was becoming a part of popular culture. No longer was it unfashionable to be athletic, strong, or healthy. With the development of new technology, health and fitness were able to make their way into homes. Fitness tapes became available in the early 1980s and continue to encourage those to whom a gym or health facility may not be accessible. Innovators such as Jane Fonda and Richard Simmons were able to bring their exercise programs to a new population. Joe Weider became a significant force in bringing health, fitness, and bodybuilding as close as the mailbox through his magazines and pamphlets. Because of fitness pioneers such as Weider, Gold, Fonda, and Simmons, fitness continues to play a significant role in modern society. The importance of being in good health and physically fit has made and continues to have an impact.

 

Over the past 15 years or so, we have been told that a healthy lifestyle is important. Scientists recommend we should be accumulating on average 60 minutes of exercises a day in order to maintain healthy levels. What exactly does that number mean? Over the course of a regular day, we should be doing some sort of physical activity that adds up to approximately 60 minutes. Whether it is in the gym on the treadmill or just in the garden for the afternoon, adding physical activity is vital.

First we need to know what actually constitutes exercise. The term Healthy activity can be broken down in to three categories; Cardiovascular, Resistance, and Flexibility.

Cardiovascular training

It is recommended to do cardio 2 or 3 times a week. Depending on your fitness level., cardio can consist of a nice walk with your dog, or a vigorous run on the treadmill. Ideally you are trying to increase your cardio capacity. which has many health benefits.

Resistance Training

Part of living an active lifestyle is by doing some sort of resistance training at least 2 times a week. That doesn’t mean you have to go to the gym and lift weights, you can easily do it at home by doing movements as simple as pushup and sit-ups, or by using something like resistance bands. Resistance training is just as important as cardiovascular activity and adds to your overall physical health.

Flexibility (stretching)

After you exercise, it is recommended you stretch for roughly 10 minutes, holding each stretch for 15-30 seconds. Stretching is crucial to maintain flexibility and reduce the chance of injury from exercise.

Benefits of Exercise

So now we know that working out is important, but what are the actually benefits of living an active lifestyle? Below are just 5 of the countless benefits of being active.

Reduces the Risk of Dying Prematurely – Those living a healthy active lifestyle live longer compared those who are more sedentary.

Lowers the risk of developing diabetes – Exercise keeps body fat in control and helps regulate sugar levels

Increase muscular strength – Having an increase in strength helps make daily activities less difficult.

Helps reduce the risk of heart disease – Regular exercise strengthens the heart, respiratory system, and lungs which aids to reduce the risk of heart disease.

Decreases Body Fat – Exercise along with a balanced diet will reduce body fat significantly.

As you can see there are many excellent benefits of living an active lifestyle. By adding a small amount of cardio, resistance training and some stretching to your daily routine, the overall benefits are almost endless. Essentially being healthy is about adding balance to your life. You don’t have to be a Lance Armstrong, or a Venus Williams to be considered active, you just have to add some extra activities to you routine.

 

You may be wondering if the title of real estate consultant is a meaningful one, and if it indicates anything different from the same old licensed real estate brokers with a vested interest in the fate of a property. While it is true that anyone can call himself or herself a consultant, the term is not meaningless window dressing. For those who take their real estate consulting business seriously, it represents a different model, a different approach to real estate practice.

The first and most important difference is objectivity. Whereas a real estate broker typically is paid contingent on an outcome-in other words, they receive a commission-a real estate consultant is paid solely for their expertise. They have no stake in the outcome. Salespeople are paid only for getting a result-a sale. Real estate consultants are paid for their expert advice only, and by design have no stake in achieving a particular outcome to a particular transaction. This gives them the capacity to be more objective and inherently more trustworthy than a traditional real estate salesperson. Think about it-even the most honest salesperson will unconsciously try to steer you toward a sale. After all, that’s where their pay comes from-from selling! The consultant is paid the way other professional advisors or service professionals like CPAs are, with a retainer regardless of outcome.

Consulting can involve a variety of skills and areas of expertise. You can hire a consultant for legal advice, market research, or to locate possible properties to invest in, among other things. Since they are paid as much for their time if they advise you that there are no properties in an area worth investing in as if they advise you of dozens of viable properties, they have no stake in anything except giving you the best advice possible. After all, their future business depends on word-of-mouth endorsements from investors like you.

If you are looking for properties to invest in, a real estate consultant can tip you off to developer closeouts and bulk opportunities, equity partnerships, joint ventures, and possibly even some very unique and profitable turnkey investment opportunities. The consultant is selling information and expertise, and therefore can provide you with a layer of insulation between you and the people selling the properties. They can work out a lot of the details and business prospects of a property before you have to talk to a salesperson. Once you face the salesperson, you can approach the negotiation fully armed with an array of appropriate information, and thus avoid being bamboozled and negotiate from a position of strength.

If, on the other hand, you are selling properties, especially if you have a lot of properties to sell, a real estate consultant can help you create a strategy to sell the units before you get involved with actual salespeople, which can have many advantages. For example, you can sell a lot of properties in a relatively short time without creating the appearance of a bulk sale by having a real estate consultant distribute the properties among several different sellers.