Cheap Workouts that would help you save more Money

Workouts need motivation and encouragement even for people who can afford to pay for membership. If not, then there cannot be an excuse not to work out. The two main excuses people give for not working out is inadequate funds as well as lack of time due to busy schedules. With this attitude, you can procrastinate the activity to a point where it is now a health challenge where you have no option. You do not need to reach that level; you can opt for cheap ways of working out within your schedule and still achieve your fitness goals. Let us explore some of these ways that you can do even while at your office desk?

First you need to write down your goals…

and how you want to achieve them. This will be the guiding principle of the kind of exercise you should undertake. In case it is to lose some kilograms then gear your exercises and lifestyle towards that. In case you want to build some muscles then you need to exercises that mainly focus on the upper part of the body. Fasting has been known globally for weight loss. Although it requires commitment and patience; in this method, you really need to change your diet. Check on your portions and make sure that 70 percent of your meal is mainly vegetables which have fewer calories. “20 percent need to be carbohydrates for the energy while 10 percent need to be for protein for fighting infections.

Secondly, nature walk and jogging is a good workout…

activity which needs no money but just at least an hour a day. It takes care of the workout of the whole body. This is something you can do as a group or just alone. The group option is the best for it motivates you. Just start and be consistent, you will get someone within your neighborhood who also wished they has a partner to do this together. Before you notice you are a whole team. You can increase the distance and speed on a daily basis until you reach the desired goal.

Thirdly, while at your desk in the office…

do you know you can still do a few workouts at some interval and achieve desirable results? What you do is create a schedule based on your work such that over lunchtime or break time, or even when working. Take some time and do a few workout activities. Stretch your legs as you support your arms on the armchair. Lift your legs towards your chest. Make sure your knees and legs are at right angles. Repeat this for some 20 minutes. If you opt to do this on a daily basis then you will have a difference. You can also invest in an exercise desk chair so as to do fitness activities at work. There are many exercises to do while sitting at work that focus on the whole body or the upper part or the lower part. It is your choice on what exercise you can do at the comfort of your office without spending a dime.

Who said fitness is just at the gym and fitness centers? Your home or office can be a gym of is own. All you need is just to be creative and innovative as you customize the activities to your work schedule to create a balance.

How Practical It Is To Have the Best Home Whole House Filtration System

By definition, a whole house filtration system refers to a unit that cleans water used in homes by treating and purifying it. It ensures that all the water chats are entering your home is safe for use regardless of whether it will be used for drinking or other household chores before setting up a whole house filtration system there are few things that need to be put into consideration.

Some of these include- the amount of water consumed in your home, the microns targeted as this works to influence the types of filters required and lastly longevity of filters as it will greatly influence maintenance costs. Some people may be wondering if it is really important to have this filtration systems at home. Who doesn’t need water that is clean and safe for drinking?

Unlike other water filtration methods such as Reverse Osmosis System that only treats water used for drinking and cooking, whole house filtration system treats and purifies water used in an entire homestead below are some of the different uses of home whole filtration systems that point out to its importance in a various homestead.

First, by treating purifying water used in humans, it makes it safer for drinking thereby reducing or rather preventing most of the common waterborne diseases such as cholera Secondly it also helps reduce instances of lifestyle diseases like cancer. A great percentage of families use chemicals such as chlorine to treat their water. These chemicals once in the body may cause cancer and other related illnesses but by using these purification methods these are reduced a great deal. Another reason is that it helps to curb or doing away with hard water problems. Most people only treat drinking water thereby ignoring other water uses. The chemicals found in water can penetrate the body while taking showers or even while cleaning clothes causing skin infections.

Most of the best home whole filtration systems are friendly to our surrounding, unlike other purification methods. It also helps in lengthening the duration of appliances using water thereby saving on the replacement costs of these appliances. This system is also preferred greatly because it does not produce waste water. One of the disadvantages of these filtration systems is cost related. It is one of the most expensive methods of cleansing water.

Though not a major disadvantage, it also in rare occasions reduce the mineral content of soil researchers have proven this filtration system to be viable as it does away with 95% of chemicals and unwanted contaminants found in water. It might be costly but it’s still cost effective considering all the type of health issues it is likely to free us from if installed.ln conclusion, every household that prioritizes on the wellbeing of its members needs this type of water cleansing system.

I think every household needs to have a best home whole filtration systems because most of the common water we have access to are either chlorinated, taste or have a bad smell, has tinny soil particles or other particles, not clear or have been contaminated by bacteria.

Reasons Why the Best Welding Helmets Aren’t Cheap

Welding helmets are usually of a certain price range for a variety of reasons. In this article, we explore why the safety gear is usually pricey and how it might be a cause for concern if it were any cheaper. Naturally, the major point of concern would be your eyesight, the purpose in acquiring a welding helmet is catered towards the preventive measure against retina burn and arc eye, ophthalmological conditions that are caused by the unguarded exposure to UV (ultraviolet) and infrared produced in the welding process. In worst cases, one may lose their sense of sight through these conditions. A good and efficient welder has to stay physically fit, and if you considered the amount of money you could potentially be forking out for optical surgery and therapy in the case of a welding mishap, the price to pay for the insurance of an efficient and expensive welding helmet is the way to go.

Now, why are welding helmets costly? It all boils down to the manufacturing costs of the material and parts involved in the production of those helmets to ensure a certain level of protection lest they be moot. For additional information, you may refer to We could use the example of watch manufacturing as a comparison. It is known that a good timepiece cost a lot due to the precision of the watchmaker and the many parts involved. This is the same for welding helmets, as far as parts go. The eye protection assembly for the helmet alone, contains multiple parts that are carefully combined for the necessary protection. The manufacturing process of the helmets is a careful procedure to prevent industrial accidents. The eye assembly contains a lid on the outermost side, followed by an outer cover plate, which is framed by a gasket that is superimposed on a filter lens framed behind a clear lens and fit within a retainer that keeps all the mentioned parts within a trimming. As such, it is understandable that a certain cost would follow in the production of these intricately-crafted headgears. And this is only with consideration of the eye assembly aspect of the helmet! Regardless of the material used in the production of the helmets, it is necessary for them to pass national safety standards.

Although price ranges may differ drastically between brands, welding helmets are not cheap because they offer industrial protection to the user that should not go compromised. The price range of a welding helmet could be anywhere from $100- $500 for an auto darkening variant of the helmet. This is substantially more expensive compared to other safety headgears such as hard hats and face wear like most low-level respirator masks. Passive helmets are on the cheaper end as they require the user to put them on and take them off as and when welding is underway. This is a tedious and dangerous process.

A welding helmet with auto darkening lens has a specially installed piece of dark tinted glass that contains light sensors, which detect welding arcs and activate the filtering out process of the UV and infrared glare. Typically, experts suggest that buyers opt for the OSHA (Occupational Safety and Health Administration) and American National Standards Institute (ANSI) approved helmets for the protection of the wearer. Although there are some cheap versions out there, it is advisable for the user to consider the frequency of their work, specificity of the conditions involved and of course, invest in a more expensive and suitable helmet for their visibility, comfort and safety. Thus, in conclusion, the more features contained in a welding helmet, the higher its cost.

How Be Physically Fit Without Spending Too Much

Most people think that they must spend a lot of cash to lose weight quickly. Trying to lose weight can cost you if you think you are taking diet pills or are buying heavy equipment for the exercise. Diet pills will not benefit you in any way. So, why are there so many people who are obese? There, fake, eat fewer drugs are just useless chemicals that come together in a capsule. It will not gain you in any way, hell, it could cause you some health problems. There are ways to lose weight quickly without spending excessive cash. Instead, you could save some money if it is followed correctly. Give me the opportunity to share with you some of but the tricks I learned about how to lose weight quickly and gain physical fitness.

First of all, we all know that we gain weight by overeating unhealthy foods. However, what you do not know is that we also gain weight through how and when we eat our sustenance. What you should do is to review your dinner plans. If you do not have one, then start creating a party plan now I know it’s tedious, but it has a considerable measure of advantages. It lets you see what type of food you are eating. An excessive amount of hamburgers and pasta of evolved forms of life will quickly hurt you Instead, eat foods that consist of most fruits, vegetables, and lean meat for protein. Fruits and vegetables are an excellent source of fiber, vitamins and other micronutrients that the body needs. Red meat can be a fantastic source of vitamin 1312 and protein, but it has a high-fat substance.

Instead of eating red meat, eat more lean meat such as chicken or fish. It gives your body proteins with a little fat. Fish are rich in omega fats that are useful for the body. Then, be sure to eat at the right time Skipping a party due to having a diet is not very perfect. It will hurt your goals on how to lose weight quickly. Another thing is that instead of eating three large meals a day. Make it five smaller meals. Eating more often during the day allows your stomach to guess when the next party is, which increases your metabolism rate. Not only because it has healthy dinner plans, but it could also let you save a significant amount of cash using the above money saving tips.

The next phase is that you must be physically dynamic. Have a healthy party plan in an excellent way on how to lose weight fast. However, along with a great exercise regimen could make it significantly bigger and faster. You can start building your cardio. If you do not have any tread factory to run. You can run or run around your house or in a neighborhood park. It is best to do this before breakfast. When doing exercise when you wake up on an empty stomach lets your body to burn fats, converting them into energy. You can buy best exercise machine for bad knees and use them to burn some fat and health and wealth.

Central Banks vs Asset Prices

One of the most popular charts to post in the financial community is the S&P 500 correlation link with the Fed’s balance sheet, especially since the bull market began in early parts of 2009. Just about every trader, investor, analyst, economist, market “guru” and media anchor quotes it on regular basis. If everyone says it, then it must be true… right? Well, maybe it isn’t.

But what if this relationship stops correlating soon and the Fed loses the control of the stock market? Or maybe it never had the control in the first place? Historically, there is nothing new under the sun (Jesse Livermore quote), so a bull market will stay in a bull market until buyers get exhausted.

Chart 1: Central banks policy & equity prices don’t always correlate

Stock Prices & Central BanksSource: Deutsche Bank, Ed Yardeni Blog & BCA Research

The chart above is broken into three sections. Firstly, Deutsche Bank shows how S&P and Fed’s balance sheet are moving in link since March 2009. Secondly, Ed Yardeni shows how ECB has reduced its balance sheet since mid-2012, while Fed has increased its starting in late 2012. Finally, BCA shows how despite the falling ECB balance sheet, German DAX 30 has moved up a like a rocket. Here are some interesting points to think about:

  • So how can one market move up when its local central bank is increasing its balance sheet and yet another market also move up while its local central bank is decreasing its balance sheet?
  • Do you remember the correlation charts link to Gold and central banks? That one worked for awhile, but just as everyone was expecting it to work the third time around… it stopped.
  • What about the correlation between the Euro and commodities, and in particular Gold? Rising Euro usually meant falling Dollar, so Gold would rally too… however in 2013 as Fed increased its balance sheet and ECB reduced its own, Euro gained against the Dollar while Gold had a worst annual loss since 1981.

It seems to me that certain correlations between central banks and assets work until they don’t, while the majority of the analysts in the industry just guess and make up the reasoning behind the moves. I do not have the answer for all of the questions above, as I do not pay too much attention to what central banks do. I believe in following markets and I believe that assets eventually reflect fundamentals in the long run.

Asset Class Performance For The Cycle

I thought sharing this chart would be extremely interesting since we are closely approaching two major milestones. The first is year-end performance and the second is a five year anniversary of the bull market in equities. Since the majority of assets bottom between late 2008 and early 2009, the chart above also shows how they have performed for the overall investment cycle.

Chart 1: Performance of various major assets for the investment cycle

Performance Since Late 2008Source: Deutsche Bank Research

I bet if I told you that the top two performing assets are Copper and European High Yield, considering all of the issues both China and Europe have been through since 2011, you would tell me I am lying. Remaining in the top 5 best performers, the ones that are easier to pick would be US assets such as S&P 500 and US High Yield. Interestingly Russian equities as well as the overall Emerging Market stock complex is also seen near the top. The fact is that these assets had tremendous moves out of their lows and funnily enough, just about all of the investors missed it.

Not too many assets have lost ground, but a couple comes to mind, such as the Greek stock market and the Japanese Yen (with its recent crash). Surpassingly, Euro-Dollar exchange rate has been essentially flat. Despite ongoing media coverage of bond performance during the Euro Crisis (2011 and 2012) Treasures and Bunds have really lagged rest of the asset classes. One could argue that these assets outperform during recessions like that did during 2007/08 period.

Observing this chart, where do you see the value and what do you rate overly expensive?

Another Look At Breadth

Chart 1: Despite new highs, breadth continues to bearishly diverge

S&P 500 vs 200 MASource: Short Side of Long

Just a quick update on one of my favorite indicators for the stock market – the percentage of stocks within the S&P 500 trading above the 200-day moving average. The indicator continues to flash a warning signal, something I have discussed on my blog for the last few months. So far the market has turned a cold shoulder to ongoing bearish divergence as it continues to tear higher into record territory.

Chart 2: The stock market has been overbought for the whole of 2013

S&P 500 Overbought vs OversoldSource: Short Side of Long 

And while bearish divergence is in progress, the same indicator can also be looked at from another perspective – either an overbought or an oversold level. As we can clearly see in Chart 2, the overall stock market breadth has remained overbought for the whole of 2013. Breadth isn’t the only group of indicators flashing overbought levels, as technical indicators, as well as sentiment, are also flashing warning signals.

Contrarian Approach

Here at Short Side of Long blog, contrarian analysis is the core of executing investments, while fundamental research is the selective process between asset classes. And while I understand that being a contrarian doesn’t always work, over the long term it is definitely one of the better ways to invest. This is also confirmed by the recent study conducted by Russell Jame of the University of Kentucky. Bloomberg writes:

“The best hedge fund managers tend to find profits in short-term, contrarian bets.

That’s the finding of a study published this year by Russell Jame of the University of Kentucky and set to be presented next month at the American Economic Association’s annual meeting in Philadelphia.

Star hedge funds secure profits over short periods, with more than 25 percent of an annual outperformance occurring within a month after a trade. The profits are also often made when managers have bet against the prevailing market view.

Personally, I do not trade as frequently as some of these market experts, but I do find that the contrarian approach works just as well over the long term. Just remember that in this game, patience is a virtue. In other words, buy something and wait five years (instead of just five weeks haha!).