Monday, March 30, 2009

Monday Motivator-Leadership

The ultimate measure of a man is not where he stands in moments of comfort, but where he stands at times of challenge and controversy.
-Martin Luther King, Jr.

Friday, March 27, 2009

Fit & Fabulous Friday- 5 Tips For Burning Body Fat






Burn Body Fat - 5 Simple Tips to Reducing Body Fat!
Author: Jason Oh

If you want to burn body fat, then you need to improve what you eat and increase daily physical activity. Below are 5 easy ways to reducing your body fat for good.

1. Strive for five ... fruit and veggie servings. Packing your plate with greens (as well as oranges, reds and blues) not only helps protect you from a variety of diseases, but also keeps extra pounds from sneaking back on. A study has found that women who consumed the highest number of fruit and vegetable servings (at least 5 per day, not including potatoes) were 60 percent more likely to ward off weight regain than those who got fewer servings. Experts say loading up on produce, which generally has a high fiber and water content, means you have less room for other, higher calorie foods.

2. Any foods that make you lose weight? There are good foods and there are bad foods. Although there are no miracle foods, good foods like fresh, natural foods can be your best friend. You see, by eating more nutritious foods over processed foods (that are stripped of any healthy nutrient), you can easily load your body with good energy, keep your metabolism revving, and burn body fat. Natural foods are simply the best foods to eat to lose weight. Reducing caloric intake by 15% will help reduce body weight.



3. Eat and lose weight by planning to consume 6 healthy meals a day. Do it this way, your body will be satisfied all day long, and will constantly be burning body fat. Now this is really how to lose weight naturally.



4. This is one the best ways to lose body fat - lose weight by walking. If you are new to the health regime - start walking daily, and aim to get in at least a 30 minute session. And as your fitness improves, ramp it up - and lose weight running.




5. An effective exercise to burn body fat - Interval Training plus Compound strength training. The high intensity workout involved ensures that your metabolism will keep burning long after a workouts ends - in other words, you will be reducing body fat more efficiently.


The following chart and Calculator are a basic guideling for measuring and monitoring body fat percentages.















Monday, March 23, 2009

40 Tips Toward A Healthy Mind, Body, & Spirit

Health:
1. Drink plenty of water.
2. Eat breakfast like a king, lunch like a prince and dinner like a beggar.
3. Eat more foods that grow on trees and plants and eat less food that is manufactured in plants.
4. Live with the 3 E's -- Energy, Enthusiasm, and Empathy.
5. Make time to practice meditation, yoga, and prayer.
6. Play more games.
7. Read more books than you did in 2008.
8. Sit in silence for at least 10 minutes each day.
9. Sleep for 7 hours.
10. Take a 10-30 minutes walk every day. And while you walk, smile.

Personality:
11. Don't compare your life to others. You have no idea what their journey is all about.
12. Don't have negative thoughts or things you cannot control. Instead invest your energy in the positive present moment.
13. Don't overdo. Keep your limits.
14. Don't take yourself so seriously. No one else does.
15. Don't waste your precious energy on gossip.
16. Dream more while you are awake.
17. Envy is a waste of time. You already have all you need.
18. Forget issues of the past. Don't remind your partner with his/her mistakes of the past. That will ruin your present happiness.
19. Life is too short to waste time hating anyone. Don't hate others.
20. Make peace with your past so it won't spoil the present.
21. No one is in charge of your happiness except you.
22. Realize that life is a school and you are here to learn. Problems Are simply part of the curriculum that appear and fade away like algebra class but the lessons you learn will last a lifetime.
23. Smile and laugh more.
24. You don't have to win every argument. Agree to disagree.

Society:25. Call your family often.
26. Each day give something good to others.
27. Forgive everyone for everything.
28. Spend time with people over the age of 70 & under the age of 6.
29. Try to make at least three people smile each day.
30. What other people think of you is none of your business.
31. Your job won't take care of you when you are sick. Your friends will stay in touch.

Life:
32. Do the right thing!
33. Get rid of anything that isn't useful, beautiful or joyful.
34. GOD heals everything.
35. However good or bad a situation is, it will change.
36. No matter how you feel, get up, dress up and show up.
37. The best is yet to come.
38. When you awake alive in the morning, thank GOD for it.
39. Your Innermost self is always happy. So, be happy.

Last but not the least:40. Live life fully and be Happy!

Friday, March 6, 2009

Paying For College



The following link provides over 100 resources to pay for college that includes scholarships, graduate school scholarships, internships, fellowships, books, and websites. The Student Resource Guide was provided courtesy of U.S. Congresswoman Lucille Roybal-Allard.


SCHOLARSHIPS


United States Department of Education
www.ed.gov/finaid.html
College is Possible
www.collegeispossible.org
FastWeb
www.fastweb.com
Financial Aid
www.finaid.org
Free Scholarships Search & Information Services
www.freschinfo.com
Scholarship Resource Network Express
www.srnexpress.com
Hispanic Association of Colleges and Universities
www.hacu.net/hacu/Scholarship
Minority Scholarship Resource Links
www.uwsp.edu/admission/resource%20links.htm

Thursday, March 5, 2009

Volunteer!



Volunteering is an opportunity to make a difference in your life and in the lives of those around you. It’s a chance to apply your skills and ideals toward helping others and meeting critical needs in your community. Organization like Habitat For Humanity, American Red Cross, AmeriCorps, and Peace Corps are driven by volunteers that offer help in times of need. Volunteering can offer leadership opportunities, personal development, professional development, and improved community relations.

During this economic downturn it may seem unconceivable to donate time and skills for free but the opportunities and benefits can be very rewarding. Volunteer benefits can include money for college, grants, loan repayment/forgiveness, job placement, cross cultural development and expanded knowledge of global markets and communities.

I learn the value of volunteering at an early age. My mother worked at the Savannah Association For Blind, Inc.—a non-profit organization that provides rehabilitation services designed to help blind and visually impaired individuals in all walks of life function independently in their homes and in the community. I would volunteer during my summer break and was responsible for setting up recreational supplies, preparing meals, and general office duties. This experience was very rewarding and instilled in me the compassion to help others that I value to date. Getting your kids involved at an early age to volunteer teaches them a valuable lesson of servitude, responsibility, builds self confidence, develop work ethics, and gain valuable job skills. Also, it provides a great opportunity to earn scholarships. Programs like Learn and Serve America offers a unique opportunity for youth to get involved by integrating community service projects with classroom learning. Learn and Serve America provides direct and indirect support to K-12 schools, community groups, and higher education institutions to facilitate service-learning projects and recognizes outstanding youth service through the Presidential Freedom Scholarship, Presidential Volunteer Service Award, and other programs.


Want to travel abroad? The Peace Corps, inpsired by John F. Kennedy in the 1960s, was created to offer individuals the opportunity to serve their country in the cause of peace by living and working in developing countries. The peacecorps offer volunteers educational benefits, financial benefits and loan deferment, medical benefits, job placement support, and advantage for federal employment. If your unable to travel, AmeriCorps members address critical needs in communities all across America. Full-time members who complete their service earn a Segal Americorps Education Award of $4,725 to pay for college, graduate school, or to pay back qualified student loans; members who serve part-time receive a partial Award. Some AmeriCorps members also receive a modest living allowance during their term of service.




These are just a few examples of volunteer opportunities available. You can also donate time to a local community group, shelter, non-profit organization, and your church.


-right Michelle Obama dishes out risotto and volunteer spirit at Washington D.C. homeless shelter Mar 05, 2009


Monday, March 2, 2009

Spiritual Appearance and Dress


Our life, character and self-image are reflected by our apparel and mode of dress. "Be not conformed to this world," reminds us that our manner of dress must be modest and decent (Romans 12:2; 1 Thessalonians 5:22, 23). It is not displeasing to God for us to dress well and be well groomed. However, above all we must seek spiritual beauty, which does not come from outward adornment with jewelry, expensive clothes or cosmetics, but from good works, chaste conversation, and a meek and quiet spirit (Philippians 4:8; 1 Peter 3:3-5).

American Recovery and Reinvestment Act 2009 Summary

The recently enacted “American Recovery and Reinvestment Act of 2009″ (the 2009 economic stimulus act) contains a wide-ranging tax package that includes tax relief for low and moderate-income wage earners, individuals and families with college expenses, and home and car purchasers. This summary provides an overview of applicable tax changes affecting individuals and families in the new law.

“Making Work Pay” credit. The new law provides an individual tax credit in the amount of 6.2 percent of earned income not to exceed $400 for single returns and $800 for joint returns in 2009 and 2010. The credit is phased out at adjusted gross income (AGI) in excess of $75,000 ($150,000 for married couples filing jointly). The credit can be claimed as a reduction in the amount of income tax that is withheld from a paycheck, or through a credit on a tax return. Under the credit, workers can expect to see perhaps $13 a week less withheld from their paychecks starting around June. Next year, the extra take-home pay will go down to around $9 per week.

Economic recovery payment. The new law provides for a one-time payment of $250 to retirees, disabled individuals and Social Security beneficiaries and SSI recipients receiving benefits from the Social Security Administration and Railroad Retirement beneficiaries, and to veterans receiving disability compensation and pension benefits from the U.S.Department of Veterans’ Affairs. The one-time payment is a reduction to any allowable Making Work Pay credit.

Refundable credit for certain federal and state pensioners. The new law provides a one-time refundable tax credit of $250 in 2009 to certain government retirees who are not eligible for Social Security benefits. This one-time credit is a reduction to any allowable Making Work Pay credit.

Unemployment compensation exclusion. A provision temporarily suspends federal income tax on the first $2,400 of unemployment benefits received by a recipient in 2009.

Expanded earned income tax credit. The new law provides tax relief to families with three or more children and increases marriage penalty relief. The changes apply for 2009 and 2010.
Expanded child tax credit. A measure increases the eligibility for the refundable child tax credit in 2009 and 2010 by lowering the threshold to $3,000 (from $8,500 in 2008).

Expanded and revised higher education tax credit. The new law creates a $2,500 higher education tax credit that is available for the first four years of college. The credit is based on 100% of the first $2,000 of tuition and related expenses (including books) paid during the tax year and 25% of the next $2,000 of tuition and related expenses paid during the tax year, subject to a phase-out for AGI in excess of $80,000 ($160,000 for married couples filing jointly). Forty percent of the credit is refundable. The new credit temporarily replaces the Hope credit.

Computers as an education expense. A provision permits computers and computer technology to qualify as qualified education expenses in 529 education plans for tax years beginning in 2009 and 2010.

Expanded first-time credit for first-time home buyers. Last year, Congress provided taxpayers with a refundable tax credit that was equivalent to an interest-free loan equal to 10% of the purchase of a home (up to $75,000) by first-time home buyers. The provision applied to homes purchased on or after April 9, 2008 and before July 1, 2009. Taxpayers receiving this tax credit were required to repay any amount received under this provision back to the government over 15 years in equal installments (or earlier if the home was sold). The credit phases out for taxpayers with adjusted gross income in excess of $75,000 ($150,000 in the case of a joint return). The new law enhances the credit by eliminating the repayment obligation for taxpayers that purchase homes on or after January 1, 2009. It also extends the credit through the end of November 2009, and bumps up the maximum value of the credit from $7,500 to $8,000.

Tax break for new car purchasers. The new law allows taxpayers to deduct State and local sales taxes paid on the purchase of a new automobile, including light trucks, SUVs, motorcycles, and motor homes. The tax break phases out starting with taxpayers earning $125,000 per year ($250,000 for joint returns). The deduction is allowed to both those who itemize their deductions as well as to nonitemizers. However, the deduction cannot be taken by a taxpayer who elects to deduct State and local sales taxes in lieu of State and local income taxes.

Alternative minimum tax (AMT) patch. To hold the number of taxpayers subject to the AMT at bay, the new law increases the AMT exemption amounts for 2009 to $46,700 for individuals and $70,950 for joint returns, and allows the personal credits against the AMT.


For more Info go to
www.recovery.gov
www.irs.gov

Monday Motivator-Live Your Dream!

The question for each man to settle is not what he would do if he had means, time, influence and educational advantages; the question is what he will do with the things he has. The moment a young man ceases to dream or to bemoan his lack of opportunities and resolutely looks his conditions in the face, and resolves to change them, he lays the corner-stone of a solid and honorable success.
-Hamilton Wright Mabie
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