Tuesday, 3 April 2012

Try These Suggestions to Improve Your Fitness ... - Health-articles


You do not have to spend a lot of time at the gym in order to get fit. This article will cover a few ways that will help you get fit at home or at the gym.

The most effective method to stay fit or lose weight is to do outdoor workout routines. You can take a walk or bicycle. I propose women to get a mountain bike and head out at least 3 x per week for A half-hour. Mtb is an excellent replacement for spinning or exercise bike which is fantastic to construct muscle and burn fat deposits on legs. Before going further and look the complete guide, if you want ideas to find a better bicycle, It is advisable to take a look inside the skipratt.com blog where you can read more info in the mongoose tech 4 26 men?s article to help you to read reviews of the most common products.

Keep using what works for you. Move past any embarrassment whenever you are performing an exercise. Fitness should be a top priority for you, not for others. Stop feeling inhibited, and remember to focus on you.

A good workout idea is to stretch muscles you have just exercised between sets. The stretches should last for about half a minute. Stretching in this way gets prove results. Studies demonstrate strength increases of as much as 20%. Also, stretching can prevent injury.

How you start your day is very important to your fitness routine. You will be more successful with your fitness goals if you include a healthy breakfast each and every day. You need breakfast to fuel your body and mind, which will give it the energy and focus and will also increase your metabolism.

Maintaining proper posture while exercising, even while simply walking, is important to prevent injury. Your posture should be upright, and you should bring your shoulders back slightly. Allow your elbows to fall at about a 90-degree angle. Put your front foot opposite your arms. When you take a step forward, your heel should contact the ground first and proceed to roll through your foot toward your toes.

Controlling your breathing could make your workouts more effective. Try forcefully exhaling when your shoulders peak when doing crunches and situps. Because your muscles contract when you exhale, your abdominal muscles get a better workout than they would without the exhalation.

Working on your abs will help you develop a healthier body. You can achieve this by doing morning sit-ups with weights or not. Since abs are your body?s core, the stronger they are, the more flexible you can become. This added flexibility can make a notable difference in the success of your weight lifing efforts.

Did you realize that the motions of playing video games can increase your fitness? Many console games, such as ?Dance Dance Revolution? and ?Wii Sports?, require you to stand up and move about.

You will want to consult with a trainer to come up with a plan. Consultation visits with nutritionists are usually within a reasonable price. A nutritionist can tell you how your body processes fuel.

Your fitness diet should contain yogurt. One of the many benefits of yogurt can be improved digestive functioning. Yogurt contains nutritionally good levels of protein and calcium. Consume a great deal of dairy as it has been shown that a diet rich of dairy leads to a healthier lifestyle.

If you?re looking to bulk up, follow this advice. Multiply the repetition number of sets by the total amount of weight lifted. Work to raise this total ? by increasing either weight or reps ? every day to keep improving your strength.

Stay with the methods that have worked for you in the past. You should not feel embarrassed or worry about how you look; what matters is how effective your workout is. Fitness should come from an internal desire, not external pressure. So stop being afraid to do what?s working. Get out there and work that body!

Consider starting with sit ups so as to save straining your lower back. Using a Swiss ball is also a great way to strengthen your ab muscles. Do not perform sit-ups while your feet are anchored beneath a piece of furniture, as doing so can result in lower back injury.

Depending on who you ask, you may receive lots of conflicting advice when it comes to fitness. However, there are some key things, that everyone agrees on, that you should and should not do. By reading the article below, you will get a good understanding on what you should do to lead a happier and healthier life.

The author offers tips on bikes for free on the mountain bike blog to help people get the right choices.

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Monday, 2 April 2012

Former school district security guard charged with workers ...

INDUSTRY CA April 1 2012?- For the sixth time since January 2011, an employee of the Hacienda La Puente Unified School District has been accused of workers? compensation insurance fraud.

Julio Santiago, a 52-year-old former security guard for the school district, was arrested Wednesday. He is accused of working as a private security guard while claiming a knee injury prevented him from working at the district.

?We have reason to believe he continued to work while he claimed his injury,? said Angela Brunson, the prosecutor on the case.

Bill Warner, manager of the special investigations unit for the company that handles the school district?s insurance claims, said his office began the investigation into Santiago, but later passed it to the California Department of Insurance after being unable to amass enough evidence against Santiago.

Santiago worked as a campus security officer for the district until February 2011, Assistant Superintendent of Human Resources Rob Roberts said. He declined to discuss the case further.

Santiago was due to be arraigned on Thursday, but was instead released on bail. He is due back in Los Angeles Municipal Court on April20.

Messages left at a Rowland Heights phone number registered to a Julio Santiago of the same age were not returned.

Santiago?s case is the latest in a string of alleged fraud cases discovered in the district.

Most recently, Mark McCleave, a high school teacher in Hacienda

La Puente, settled with the district for $5,000 after it was discovered that he worked at several race tracks while collecting leave of absence pay for an elbow injury he claimed.

Last year the district saw four other insurance fraud cases.

In early February 2011, Patricia Elena Leon, 41, of Hacienda Heights, was arrested by Los Angeles County Sheriffs Deputies after being charged with insurance fraud, perjury and grand theft.

Leon claimed injuries to her left knee, chest and lower back in September 2010 after being kicked by a special-education student.

Leon claimed to be disabled, but she was videotaped working at a medical clinic for about two weeks.

Leon later pleaded guilty to one count of insurance fraud and was ordered to pay $8,800 in restitution and serve five years of probation.

Also arrested that month was Alfred Thomas Velasquez, 55. Velasquez claimed he injured his neck and shoulder while trying to catch a falling bag of fertilizer in 2009. Shortly after Velasquez filed the claim, an investigator observed him putting up large and heavy Christmas decorations and hammering stakes into the ground at his home.

He later pleaded guilty to one count of insurance fraud and was ordered to pay $4,910 in restitution.

In March 2011, April Metzinger, 39, was arrested and charged with insurance fraud and attempted perjury.

Metzinger claimed she had injured herself while performing the Heimlich maneuver on a choking child and further injured herself when she ran into a pole while carrying the child. She said her injuries were aggravated when another child jumped off a trampoline onto her.

Metzinger said she had injuries to her ribs, breast, chest, neck, legs and back, as well as ulcers induced by stress.

But investigators hired by the school district?s insurance company recorded video of Metzinger visiting Disneyland, riding roller coasters, carrying one of her children, going camping for several days in Wrightwood and ?moving about without any apparent restrictions.?

In December she pleaded guilty to a single count of workers? compensation insurance fraud. She was sentenced two to days in jail, two years of probation and ordered to pay $5,000 in restitution to the district.

Victoria Jimenez, a 46-year-old payroll technician, was arrested in January 2011 after investigators observed her lifting a child, despite her claims that she had disabling neck and shoulder pain.

Jimenez originally faced two counts of insurance fraud, but both were dismissed in September. Neal Curatola, an attorney for Jimenez, said the charges were dismissed due to lack of evidence.

?The bottom line is the woman was vindicated, she didn?t do anything wrong,? Curatola said.

The prosecutor on the case was not available for comment.

Curatola said the district and Jimenez eventually settled her workers? compensation claim, with the district paying her $37,500.

Source:sgvn.com

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3 winners, over 100 million Mega Millions losers

RED BUD, Ill. (AP) ? The Mega Millions winners ? at least three of them ? stayed out of sight. The losers, who could number 100 million, had plenty to say Saturday about losing out on the world's largest-ever lottery jackpot and their dashed dreams of colossal wealth.

Journalists descended on convenience stores in Illinois and Maryland, and lottery officials there and in Kansas proudly proclaimed they sold winning tickets in the $640 million world record-breaking Mega Millions jackpot. The winners will earn $213 million before taxes. Three other ticket holders became millionaires.

But on the street, online and outside the stores where the winners had purchased their tickets, Americans grumbled about hopes that were raised, and then vanished. And they mused about what they would have done with the money.

"What do I do with this useless lottery ticket now?" Laurel Ashton Brooks of Greensboro, N.C., asked on Twitter.

As the jackpot got bigger by the hour on Thursday and Friday, Americans had snapped up tickets while dreaming of quitting jobs, paying off debts, building hospitals, buying an island. On Saturday, they took to Twitter and Facebook to bemoan their lost, razor-thin chance at millions.

"I knew that when I bought the ticket, that I wouldn't win. But I did it anyhow," said Sean Flaherty, a video game tester in New York City. "The whole notion of 'what if' still has some currency with me."

Even President Barack Obama's re-election campaign tapped into the widespread lottery letdown. It sent a fundraising email with the subject "Jackpot" that began: "Yeah, we didn't either. So we're still at."

All told, Americans spent nearly $1.5 billion for a chance to hit the jackpot, which amounts to a $462 million lump sum and around $347 million after federal tax withholding. With the jackpot odds at 1 in 176 million, it would cost $176 million to buy up every combination. Under that scenario, the strategy would win $171 million less if your state also withholds taxes.

Illinois' winner used a quick pick ? an automatically generated set of digits ? to select the winning numbers at a convenience store in the small town of Red Bud, south of St. Louis, Illinois Lottery spokesman Mike Lang said. The winning numbers also were purchased at a 7-Eleven in Milford Mill, Md., north of Baltimore, and somewhere in northeast Kansas.

"It's just unbelievable. Everyone is wanting to know who it is," said Denise Metzger, manager of the MotoMart where Illinois' winning ticket was sold.

"All day yesterday I was selling tickets and I was hoping someone from Red Bud would win. Never in my wildest dreams did I think this. I'm just tickled pink," added Metzger, whose store will receive $500,000 for selling the winning ticket, lottery officials said.

Paramedic Dan Parrott walked away from the store with $5 in winnings after checking numbers on his $40 worth of tickets. That won't pay for the new house, new car and the new ambulances he'd decided the jackpot would help him buy in this farming community of 3,700 about 40 miles south of St. Louis.

"I'd love to have all that money, but with all of that money comes responsibility," he said outside the store. "But it'd still be awesome."

James Sitzes emerged from the MotoMart where his check of his six plays flopped. "I bought them at the right place," he shrugged. "I just didn't have the right numbers."

"I've been thinking for years what I'd do with all that money," said Sitzes, 70. He'd pay off the house, invest the rest and give away his small plating shop.

In Maryland, TV cameras descended upon the 7-Eleven where the state's winning ticket was purchased. The harried manager repeatedly said "No interviews" to reporters pressing for details as customers pushed through the media crush for their morning coffee.

Nyeri Murphy, holding two scratch-off tickets, said she normally plays Powerball but drove to a nearby county to buy $70 worth of Mega Millions tickets this week. "I should have bought them here," she said.

Maryland does not require lottery winners to be identified; the Mega Millions winner can claim the prize anonymously. The store will receive a $100,000 bonus for selling the winning ticket, which was purchased Friday night.

The third winning ticket was purchased in northeast Kansas, but no other information would be released by the Kansas Lottery until the winner comes forward, spokeswoman Cara S. Sloan-Ramos said. The Kansas location that sold the ticket will receive $10,000.

No winner had contacted the agency by Saturday morning, Kansas Lottery Director Dennis Wilson said. "We sure want to meet the winner, but we want to tell them, sign the back of the ticket and secure it."

Kansas law also allows lottery winners to remain anonymous, though lottery winners in Illinois are identified.

The winning numbers in Friday night's drawing were 02-04-23-38-46, and the Mega Ball 23.

Maryland Lottery spokeswoman Carole Everett said the last time a ticket from the state won a major national jackpot was in 2008, when a ticket won for $24 million.

"We're thrilled," she said. "We're due and excited."

The holder of the winning ticket in Maryland has 182 days to come forward and claim the prize. Winners in Kansas and Illinois have up to one year; but if the Illinois winner wants to be paid in a lump sum, they have to come forward in 60 days, Lang said.

Even though just three tickets matched all the winning numbers, the jackpot made a millionaire of at least three other winners and gave a windfall to more than 100 others. Three ticket-holders won $1 million each, and 158 won $250,000 for matching the first five numbers drawn, said Chuck Strutt, executive director of the Multi-State Lottery Association in Urbandale, Iowa.

The estimated jackpot dwarfs the previous $390 million record, which was split in 2007 by two winners who bought tickets in Georgia and New Jersey.

For some, the dreams were enough. Katie Kapczynski bought her first-ever lottery ticket with a roommate at a Washington, D.C., gas station. The attendant had to show her how to buy one.

"We kind of went more for the experience than the 'what if'," she said.

On Saturday morning, Kapczynski, a visitor services manager at the Newseum who was in New York on vacation, had left her $6 in tickets behind at home.

She still doesn't know if she won.

___

Associated Press reporters Jeffrey McMurray and Jason Keyser in Chicago, Kasey Jones in Milford Mill, Md., John Hanna in Topeka, Kan., Samantha Gross in New York, Margery Beck in Omaha, Neb., and Ed Donahue in Washington contributed to this report.

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Rightways: Rental Properties: Cash Cow Or Money Pit?


?Investopedia, Contributor

Your home for independent, unbiased financial education on the web.


Real estate investors must have basic?valuation skills to make buy, sell, or hold decisions. Real estate investment companies have developed sophisticated valuation models to aid them in making?investment?decisions. However, by using spreadsheet tools an individual can produce an adequate valuation on most income-producing real estate. This would include residential real estate purchased as?residential rental property.

SEE: 3 Ways To Value Real Estate Investments

Valuing real estate using?discounted cash flow or?capitalization methods is similar to valuing stocks or bonds. The only difference is that cash flows are derived from leasing space as opposed to selling products and services. Read on to find to out how any?investor can create a valuation satisfactory enough to weed through prospective investment opportunities.

Individual Valuations

Some individuals feel that producing a valuation is unnecessary if a certified?appraisal has been completed. However, an investor?s valuation may differ from an appraisal for several reasons. The investor may have different opinions about the property?s ability to attract?tenants or the lease rates that tenants are willing to pay. As a prospective purchaser or seller, the investor may feel that the property has more or less risk than the appraiser. Appraisers are compelled to conduct separate assessments of value. They include the cost to replace the property, a comparison of recent and comparable transactions and an income approach. Some of these methods commonly lag the market, underestimating value during uptrends, and overvaluing?assets in a downtrend.

Finding opportunities in the real estate market involves finding properties that have been incorrectly valued by the?market. This often means managing a property to a level that surpasses market expectations. A valuation should provide one?s estimate of the true income-producing potential of a property.

Real Estate Valuation

The income approach to evaluating real estate is similar to the process for valuing stocks, bonds, or any other income-generating investment. Most analysts use the?discounted cash flow (DCF) method to determine an asset?s net?present?value (NPV). NPV is the property value in today?s dollars that will achieve the investor?s?risk adjusted return.The NPV is determined by discounting the periodic cash flow available to owners by the investor?s?required rate of return (RROR). Since the RROR is an investor?s required rate of return for the risks involved, the value derived is a risk-adjusted value for that individual investor. By comparing this value to market prices, an investor is able to make a buy, hold, or sell decision.

Stock values are derived by discounting?dividends, bond values by discounting interest?coupon payments. Properties are valued by discounting net?cash flow or the cash available to owners after all expenses have been deducted from leasing income. Valuing a property involves estimating all the rental?revenues and then deducting all expenses required to execute and maintain those leases. (For tips, check out?Golden Opportunity For Real Estate Investors.)

All income estimates come directly from leases. Leases are contractual agreements between tenants and a?landlord. All rent and contractual increases in rent (escalations) will be spelled out in the leases, as well as options for space and rent concessions. Owners also recoup part or all of the property expenses from tenants. The manner in which this income is collected is also stated in the lease contract. There are three main types of leases:

In full-service leases, tenants do not pay anything in addition to rent. In net leases, tenants usually pay their portion of the increase in expenses for the period after they move into the property. In triple-net leases, the tenant pays a?pro-rata share of all property expenses.

The following are the types of expenses that have to be considered when preparing an income valuation:

Leasing costs refer to the expenses necessary to attract tenants and to execute leases. Management costs refer to property level expenses, such as utilities, cleaning,?taxes, etc. as well as any costs to manage the property. Income less?operating expenses equals?net operating income (NOI). NOI is the cash flow derived from normal operations of the property. Cash flow is then derived by subtracting capital costs from NOI. Capital costs are any periodic capital outlays to maintain the property. These include any capital for leasing commissions, tenant improvements, or capital reserves for future property upgrades. (Check out?Closing A Real Estate Deal In A Down Market.)

Valuation Example

Once periodic cash flows are determined, they can be discounted back to determine property value. Figure 1 shows a simple valuation design that can be adjusted to value most properties.

Assumption Value Assumption Value
Growth in Income Yr1-10 (g) 4% Growth in Income Yr11+ (g) 3%
RROR (K) 13% Expenses % of Income 40%
Capital Expenses $10,000 Reversion Cap Rate (K-g) 10%

The valuation assumes a property that creates annual rental income of $100,000 in year one, which grows by 4% annually and 3% after year 10. Expenses are estimated at 40% of income.?Capital reserves are modeled at $10,000 per year. The discount rate, or RROR, is set at 13%. The capitalization rate for determining the reversion value of the property in year 10 is estimated at 10%. In?financial terminology, this?capitalization rate equals K-g, where K is the investor?s RROR (required rate of return) and g is the expected growth in income. K-g is also known as the investor?s required income return, or the amount of the total return that is provided by income.

The value of the property in year 10 is derived by taking the estimated NOI for year 11 and dividing it by the capitalization rate. Assuming the investor?s required rate of return stays at 13% then the capitalization would equal 10%, or K-g (13% -3%). In Figure 2, NOI in year 11 is $88,812. After periodic cash flows are calculated, they are then discounted back by the discount rate (13%) to derive the NPV of $58,333.

Item Yr 1 Yr 2 Yr 3 Yr 4 Yr 5 Yr 6 Yr 7 Yr8 Yr 9 Yr 10 Yr 11
Income 100 104 108.16 112.49 116.99 121.67 126.54 131.60 136.86 142.33 148.02
Expenses -40 -41.60 -43.26 -45 -46.80 -48.67 -50.62 -52.64 -54.74 -56.93 -59.21
Net Operating Income (NOI) 60 62.40 64.896 67.494 70.194 73.002 75.924 78.96 82.116 85.398 88.812
Capital -10 -10 -10 -10 -10 -10 -10 -10 -10 -10 -
Cash Flow (CF) 50 52.40 54.90 57.49 60.19 63 65.92 68.96 72.12 75.40 -
Reversion - - - - - - - - - 888.12 -
Total Cash Flow 50 52.40 54.90 57.49 60.19 63 65.92 68.96 72.12 963.52 -
Dividend Yield 9% 9% 9% 10% 10% 11% 11% 12% 12% 13% -
Figure 2 (in thousands of dollars)

Figure 2 provides a basic format that can be used to value any income-producing or rental property. Investors purchasing residential real estate as rental property should prepare valuations to determine whether rental rates being charged are adequate enough to support the purchase price being paid. Although appraisers will often use a 10-year cash flow by default, investors should produce cash flows that mirror the assumptions on which the property is assumed to be purchased. This format, although simplified, can be adjusted to value any property, regardless of complexity. Even hotels can be valued this way. Just think of nightly room rentals as one-day leases.

SEE: Real Estate Deal-Breakers That Shouldn?t Be

Buy, Sell or Hold

When purchasing a property, if an investor?s assessed value is greater than the seller?s offer or appraised value, then the property can be purchased with a high probability of receiving the RROR. Conversely, when selling a property, if the assessed value is less than a buyer?s offer, the property should be sold. In addition, if the assessed value is in line with the market and the RROR offers an adequate return for the risk involved, the owner may decide to hold the investment until there is a?disequilibrium between the valuation and market value.

Value can be defined as the greatest amount that someone would be willing to pay for a property. When purchasing an asset,?financing should not affect the ultimate value of the property because each buyer has different financing options available. However this is not the case for investors who already own properties that have been financed. Financing must be considered when deciding on an appropriate time to sell because financing structures, such as prepayment penalties, can rob the investor of his or her sale?s proceeds. This is important in cases where investors have received favorable financing terms that are no longer available in the market. The existing investment with debt may provide better risk-adjusted returns than can be achieved when reinvesting the prospective sales proceeds. Adjust risk RROR to include the additional financial risk of mortgage debt.

The Bottom Line

Whether buying or selling, it is possible to produce a valuation model accurate enough to assist in the decision-making process. The math involved in creating the model is relatively straightforward and within the grasp of most investors. After gaining some rudimentary knowledge about local market standards, lease structures and how income and expenses work in different property types, one should be able to forecast future cash flows.

READ MORE: Homeowners, Beware These Scams!
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Clinton seeks tighter US-Gulf cooperation on Iran (The Arizona Republic)

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Sunday, 1 April 2012

Bruce Weber Hired By Kansas State: Ex-Illinois Coach Gets New Job

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