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Monday, December 26, 2011
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Tuesday, December 20, 2011
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Tuesday, December 13, 2011
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Saturday, December 10, 2011
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Thursday, December 8, 2011
Sunday, December 4, 2011
How Will the Baby Boomers Liquidate Their Assets?
The concept of having a large boom in one generation without having that for the next generation has always caused problems. Not only do social programs like Medicare or Social Security going to face some serious issue from this generational imbalance but Baby Boomer's own assets are going to face a liquidity problem. What happens if these assets can be liquidated in the market place?
Quite a few people facing retirement have build up assets in their homes as well as investments in the stock market. Typically the idea is that you liquidate or sell off your assets into cash so that you live on that money during your retirement. With everyone who sells an asset there must be a buyer on the other side to exchange the good for currency. If there is not a buyer, this is a problem.
The reality is that the next generation does not have enough money to purchase the Baby Boomers' assets. There isn't a logical way for all these assets to be turned into cash because there won't be buyers of these. How will some of these issues be resolved?
In the stock market international investors will help with liquidity. The trillions the Baby Boomers own might not fully purchased even then.
With homes the Baby Boomers might choose to live in the home they own during retirement meaning liquidity will not be a problem. If they do want to sell off, there has to be money to actually purchase those homes. The next generation will not be able to pay the valued price for these homes so most likely homes will be sold at a loss.
As you age, it's advisable to start investing in things that will have almost guaranteed liquidity else you might get caught in a spot where you own a lot, but have no actual money to spend.
Thursday, December 1, 2011
Does Total Core Work?
The Total Core is a well known abdominal fitness machine. You may have seen the infomercial on TV or online in one of the video sites. This is basically a product that helps you do crunches in a more convenient way. In addition, the claim is that this product works your other core muscles, such as your lower back.
Does the Total Core really work? When you watch the infomercial you get the impression that you can burn off belly fat and get flat abs with this machine. Is this really the case?
There is no doubt that you can train your abs with the Total Core. You just sit on the seat of the machine, rest your back against the cushion and do a crunch. In fact, the machine actually makes it easier for you to complete a crunch as it pushes you up from the low position of the movement, making it easier for you to rise. Of course, this does mean that the actual exercise is less strenuous and effective than a normal crunch, at least as far as stimulating the ab muscles is concerned.
However, this may be a small price to pay provided that you do find the Total Core comfortable and that the fact of having it in your home does make you train your stomach more. I often find that this is the main benefit of having a fitness machine in the first place: it acts as a reminder to keep training at home.
There are more intensive ways to train your abs than to use the Total Core and most other fitness machines for that matter. However, it does work in the sense that you can work your abs with it. The problem is one of perception: the idea that you can get flat abs by using this machine alone is doubtful.
The real way to get flat abs involves a more general fitness and nutrition approach, one that involves total body workouts, cardio exercises, and a proper and sensible diet plan. You just can't tackle a full body problem like excessive fat with an isolated solution which is to train your abs.
Regardless of the effectiveness of the Total Core, it may be part of the solution but it cannot be the entire solution by itself. It will simply won't flatten your abs on its own. Now it's up to you to decide whether to use it or not.
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Sunday, November 27, 2011
Alzheimer's Disease - Risk Factors, Symptoms, and Stages
More than 4 million Americans today are affected with Alzheimer's disease, and that number is expected to escalate to approximately 12 million within the next 30 years. This serious disease is plaguing America in such a way that just about every individual has had an experience with someone with Alzheimer's in one way or another. Alzheimer's is a devastating disease that affects the mind, and more specifically your memory. 1 in 8 individuals over the age of 65 will develop it.
Risk Factors:
We currently don't know what exactly causes Alzheimer's, and it remains a disease that is diagnosed by eliminating other possibilities. However, experts have found a number of factors that reoccur in Alzheimer's patients. It is believed that a combination of the following factors can cause a person to be predisposed to develop Alzheimer's.
1. Family history of the disease - especially a parent or sibling.
2. Heart-disease risk factors such as high blood pressure, smoking, obesity, and diabetes.
3. Previous head injury
4. Environmental toxins
5. Advancing age
6. Stress- high levels of anxiety
Symptoms:
When an individual begins to develop Alzheimer's, there won't be any easily identifiable outward symptoms to use as evidence. As the disease progresses, memory lapses appear and slowly grow more serious. The individual may begin to forget the names of familiar people and places, forget the location of everyday objects, or have trouble finding the right words to express themselves. These symptoms are similar to that of a simply forgetful older mind. As we age, our memory isn't as sharp as it once was, however an individual with Alzheimer's will have a more noticeable and rapid decline in memory. If you notice this in a loved one, it is time to see a physician.
As time goes on and the disease progresses, the memory lapses will become more and more noticeable and serious. They will affect the individual's daily life, hobbies, and work. As this happens, the person will often develop other cognitive problems such as:
o General confusion, disoriented to date, time, and place.
o Apathy, irritability, depression, and anxiety.
o Troubles with language, math, abstract thinking.
o Personality changes
o Later on in the disease paranoia and delusions may occur.
o At the end of the disease's development, the individual may suffer total loss of self and control.
Main Stages of Alzheimer's Disease:
Experts have identified a number of stages to help define and group people suffering from this devastating and difficult disease. With no cure the best thing you can do is be aware of what this disease may bring in the future and use this knowledge to help plan care for your loved one.
The following are the Three Main Stages:
1. Early-State - In the early stage, the individual will suffer memory loss and possibly some other cognitive difficulties, however, they can continue to function independently.
2. Mid-Stage - In the mid-stage, the disease has progressed past basic memory troubles and the individual's mental abilities have continued to decline. They start to suffer personality changes and physical problems, and in turn become more dependent on caregivers.
3. Late-Stage - The late-stage is the most severe. Individuals will suffer complete deterioration of the personality and loss of control over bodily functions. They will become totally dependent on caregivers for even basic daily needs.
There is no set time as to when a person will progress from one stage to the other. One individual may move quickly from the early-stage to the mid-stage, while another may stay in the early-stage for several years. Every person is different. Here is a basic break down of the types of symptoms and their severity for each stage:
Symptoms of the Early-Stage:
o Confusion, forgets names and words, forgets their own history, less able to plan or think logically, poor judgment, and withdraws from social and mental challenges.
o Has trouble expressing themselves and comprehending reading material
o Becomes apathetic, anxious, agitated, insensitive to others' feelings, tired
o Hoards objects of little value, forgets to do things like eat or eats only one kind of food.
Symptoms of the Mid-Stage:
o Forgets recent events, if they can't remember they make something up instead.
o Trouble connecting names and faces of family and friends but still knows the difference between familiar and unfamiliar faces.
o Can no longer follow written or oral instructions, disoriented about the season, day of the week or time.
o Problems speaking, reading and writing, repeats stories
o Aggressive, suspicious, delusional, exaggeration of normal personality characteristics.
o Restless, pacing, talking to oneself, disoriented sleep-wake cycle.
Symptoms of the Late-Stage:
o Doesn't recognize familiar people, can no longer smile, doesn't speak or speaks incoherently, may cry or call out, groan or mumble. Cannot write or comprehend reading material.
o Cannot control their movements, cannot walk, stand or sit up without assistance. Can't easily swallow and may choke on food.
o Needs complete assistance with all daily activities, requires full-time care.
o Frequent infections, seizures, abnormal reflexes.
o May refuse to eat or drink, little response to touch, exhausted
Friday, November 25, 2011
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Tuesday, November 22, 2011
Sunday, November 13, 2011
Weighing The Pros And Cons Of The LifeCore Fitness 900RB Recumbent Bike
When it comes to exercise equipment, many people prefer the workout that a stationary recumbent bike can provide. Of course, there are many of these bikes to select from, which can make choosing the best one a challenge.
The LifeCore Fitness 900RB Recumbent Bike is one pieces of exercise equipment that has received a great deal of positive attention. One of the reasons for this attention is the fact that the model is very quiet, which makes it a good choice if you plan to watch television or listen to your radio during our workout.
The display screen on the LifeCore Fitnesss 900RB Recumbent Bike also sits low, which means it won't get in your way as you try to watch television as you ride. According to a review in the Los Angeles Times written by Roy M. Wallack, the display console also offers "unusually crisp, bright, large, easy-to-read numbers."
You can choose from among 12 preset programs with the LifeCore Fitness 900RB Recumbent Bike as well as four heart rate control programs. If you have problems with your joints, you will appreciate the five inch pedal spacing that is designed specifically to help reduce joint stress.
The LifeCore Fitness 900RB Recumbent Bike can also be used just about anywhere, even if you are far from a power source, because it can be powered by batteries or with the included AC adapter. It also has a very compact design, though it still weighs a hefty 108 pounds. While this is fairly light for a Recumbent Bike, it can make it difficult to move from place to place. Luckily, it has transportation wheels that assist with moving the 44 inch long bike.
The small design of the LifeCore Fitness 900RB Recumbent Bike may be great when it comes to finding a spot for it in your home, but may be a bit too small for those that are particularly tall. The seatback is adjustable, but may not be enough for some people. In addition, the weight capacity for the bike is only 300 pounds. Therefore, if you are particularly hefty, you might not be able to make use out of this bike.
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