Diet And Workout Tips For Women

Weight is one of the most widely talked about subjects today. In the United States alone 40% of adults are overweight and 20% are considered obese. Some of the most prevalent problems that are associated with being overweight are diabetes, heart disease, high blood pressure and cancer. There is an alarming amount of children that are becoming overweight and obese. This is mostly due to them picking up bad eating habits from their overweight parents. It is now important for parents to start losing weight so they can set a good example for their children.

Most of the advice that you read over the internet concerning weight lose doesn’t take into consideration that many people have busy lifestyles and most advice isn’t geared towards a lot of Americans that are on the go or advice for women. Most of the weight loss tips for women are centered around dieting and doesn’t take into account the busy lifestyles that women have with working and coming home taking care of the family and the restricted amount of time they have available for cooking a healthy meal. Here are some tips that women can use and implement into their busy schedules.

Most women are aware that they should cook healthy meals every day for their families but the fact is that there just isn’t enough time. Sometimes a woman’s busy schedule results in getting home late and they are too tired to cook. There are some things that you can do to make sure you maintain a healthy diet that will not inconvenience you.

Eat Soup – Soup is a very filling and healthy meal because it can be made with a lot of healthy ingredients. If made right, soup will give you fewer calories and provide you with all of the nutrients needed to be healthy. You should avoid any cream or milk in the soup. Instead use stock and water which will give it the same consistency without all of the calories. The good thing about preparing soup is that you can make a large amount of it so when you get home all you have to do is heat it up.

Avoid Protein and Carbohydrate Shakes – Do not mix proteins and carbohydrates. With both, it will contain too many calories which will make it hard to burn off. If your time doesn’t allow you to exercise, this energy will simply turn into fat that will stay in your body. So try to avoid eating a lot of carbohydrates and proteins in the same meal.

Eat Slow – A lot of times when you are busy and you take a quick minute to eat something, you tend to “wolf down” your food. We assume that our bodies will tell us when we are full but in reality it takes our stomachs 20 minutes to tell our brain to stop eating. If you eat too fast you will run the risk of eating too much which in turn will create weight and you will be eating food that your body doesn’t want. Just slow down your eating and your body will lose weight.

Snacking – You hear a lot of advice to stop snacking. In an ideal world this would work really well but in reality it doesn’t work. You should not ignore your body when it needs something to eat however the question is what to snack on. If you must snack, the best thing to snack on is fruit which will fill you up and provide you with a boost of energy. But the best thing to do is drink water. This will fill you up until the next meal and it contains no calories.

Chew Gum – Chewing gum will distract you from feeling hungry and it makes your body believe that you are eating. Do not underestimate the power of the mind.

Exercise With Friends – Exercising with friends is very important because friends can keep each other motivated and it will make you accountable to someone. Friends can push each other when things start getting hard. Sometimes without this push people tend to get frustrated then give up before they start to experience the benefits of exercising. Exercise shouldn’t be done to feel like a chore. If you get into it, exercising can really be fun.

Set Goals – Setting realistic goals are important for you to keep yourself going. When you set a goal then you have something to strive for. Set yourself a time table so you will be able to manage all of your activities in the day. Make sure your goals are realistic. If not, you will only get discouraged and talk yourself into quitting.

Set Up A Time To Exercise – For a busy woman it is hard to set aside time to travel to the gym so you must set an hour or two for yourself to do some type of home fitness workout. It is extremely important that you find the time to exercise. Even if you just start out with 15 – 20 minutes a day.

Know Your Limits – There will be people who will try to tell you how you should be exercising. Exercise in a manner that is comfortable to you. Nobody knows your body better than you do. So just do what you enjoy and what you can handle. If you enjoy what you are doing chances are you will continue doing it which in turn you will see results.

Value Your Self Image – It is very important that you think positive about what you are doing. Don’t worry about how you look when you are at the gym or outside jogging. No one is judging you. The only thing that people will have for you is admiration wishing they had the same drive and determination to do something about their health and fitness.

So try to at least follow a couple of these tips and you will soon see yourself slimming down to your natural size.

Still Using Spreadsheets for Managing Risks? – Switch to Risk Management Software

Managing risk is essential in every organization to accomplish its key objectives effectively. Risk management not only requires a reliable process to capture risks, but also needs a mechanism to document and administer the organization’s response.

An appropriate risk management tool always helps the risk managers to identify, assess, and prioritize the risks which can be prevented. Here, we will discuss about spreadsheets – commonly used risk management tools and their true costs. We will also know about the best tool to replace spreadsheets for effective risk management.

Spreadsheets are commonly used management tools because they are
• Convenient to use: Many people believe that spreadsheets are convenient to collect, code, sort and analyze data. Yes, they are better than paper based management systems, but they are risky.

• Flexible to enter data: With some basic encoding, spreadsheets offer flexible arrangements of rows and columns to enter data. They allow the user to configure and enter information in a way that suits his unique needs. But risk management involves analysis of various factors and a spreadsheet may not be helpful.

• Low cost or free option: Spreadsheets are either available as freeware or at low-cost. That is why organizations use them extensively. But they fail to understand the fact that the true cost of a tool should be defined by the operational costs that affect the business on long-run; not by the initial cost of the tool.

Are they really beneficial?
Many business owners and risk managers today are using spreadsheets as risk management tools unaware of the risks involved (however some are aware). Here are the risks involved:

• Inability to process huge amounts of data: Although spreadsheets are a good solution for small volumes of data, the processing and calculation will become complicated with the continual growth.

• Time consuming: Risk management requires collecting great deal of information, which often results in huge number of spreadsheets interlinked to each other. A little change to the data structure becomes a great task. This makes risk managers spend countless hours validating data, double checking formulas, and updating values, which is as a time-consuming process.

• Complex to find mistakes: It is quite difficult to find mistakes in a spreadsheet with lot of data. It is often time consuming process to find where exactly the mistakes have occurred.

• Limits the depth of risk analysis: With each change made to a spreadsheet, links between the information are lost making it difficult to analyze relationships over time. Without these links, it becomes tough to link risks and their controls. Also they offer limited access to past and current data making it difficult to compare data overtime.

• Intensive labor: The process of risk management involves continuous updating of data and it increases day by day. Updating data and using spreadsheets effectively requires lot of time and effort. So intensive labor with good knowledge of using the shortcuts and formulas is compulsory.

• Lacks security: A user can accidentally or intentionally delete vast amounts of critical information. Spreadsheets are highly vulnerable to virus attacks, hard disk crashes, and other unexpected disasters.

Underlying costs of using spreadsheets
In general, people think that spreadsheets are free, but they never calculate the underlying costs that can impact the business. Following are the true costs of using them.

• Labor costs: As discussed earlier, it takes lot of effort to create, maintain, organize, and report using spreadsheets. However, the fact that these things require labor, which in turn results in huge costs to the company, is often ignored.

• Opportunity costs: Spreadsheets consume lot of your time and effort, which you can productively use for adding value to the organization. Many business owners, in fact, lose many opportunities hanging around with spreadsheets.

• Risk and non-compliance costs: Spreadsheets lack in company wide visibility, accountability, security and control which results in increased costs in terms of failed audits, unforeseen events, increased insurance costs and so on.

• Scalability costs: A small company can manage and use one spreadsheet to track all records. But as the business grows, the effort of maintaining and consolidating these records increases exponentially. At one point this process fails and negatively impacts the business.

• Human error costs: Spreadsheets are vulnerable to manipulation, which can dramatically impact the company. Moreover, with the increasing chances of human errors, it is difficult to consider that the data is valid and reliable. These human errors can cost a lot to the company.

Effective tool to replace spreadsheet – Risk Management Software
After seeing all the risks and costs involved with spreadsheets, one would certainly ask for a better tool to manage risks and here is the solution – the Risk Management Software. It can effectively replace spreadsheets in the risk management process. Following are the benefits of using risk management software.

• Effective control over GRC processes: Risk management software helps in the effective control over the GRC (governance, risk management, and compliance) processes with proper documentation and work flow. They also help managers in risk assessment and analysis, visualization and reporting.

• Data security: User can limit the availability of data by creating passwords. He can also give full access to all the data to a particular group of people within the organization. This feature eliminates the risk of manipulation of data.

• Real time recording: Recording and updating information regarding risks is easy using this software. You need not spend hours to update the data.

• Reliable audits: This software offers full protection to all the data in the system with fully automated backups. This allows auditors to extract robust and reliable audit trails without unnecessary effort and thus it helps them in identification of risks, and creation of risk management strategies.

• Automated risk reporting: It provides the user with clear information on their objectives and risks associated. It also informs about the required actions and scheduled dates to implement them to prevent risks.

• Clear and consistent reports: A unique feature of this software is that it provides clear and consistent reports making it easy for managers to view the risks in real-time.

How to choose effective risk management software
With growing demand of the risk management software, many companies offering this software evolved in the market. Therefore it is important to choose the effective one to reap the maximum benefits. Following are some tips to choose a good one.

• Reputed vendor: A well established and experienced vendor definitely offers standard products as he fully understands risk management standards.

• Maximum features: Before buying the product, make sure that it has all features to help you in managing the risks properly.

• Customer service and tech support: As this product is new for the organization, it is important to choose a company that offers 24/7 tech support and timely customer service. Moreover, as risk environment demands a constant change of compliance, make sure that the vendor is offering regular product updates and maintenance releases.

An upgrade in the existing technology never says that the existing product is of no use, instead offers the user with more useful features. Upgrading to latest tools like risk management software enhances the organization’s capabilities in managing risk.

Financial Tips for Property Managers in Tough Economic Times

In these tough economic times, property managers find themselves needing to make cuts in order to save money, without compromising the high quality of their business. There are places where property managers can trim costs while improving the quality of their business, but property managers should be aware that there are areas where it is inadvisable to cut costs.

Where property managers can cut costs

  • Decrease the budget for traditional advertising, and instead, increase your presence on the web. Internet based promotions can be done at a fraction of traditional advertising, and in this day and age, they are likely to produce more favorable results.
  • Create a Facebook page, LinkedIn or twitter account for your business.
  • Have an e-newsletter or blog in which you can highlight trends in property management, helpful tips to tenants, while promoting your business.
  • Move with the times and reduce your consumption of paper.
  • Cutting down on the use of paper is not only environmentally responsible, but also economically advisable
  • The cost of paper, and other associated supplies such as ink and toner used in the course of a year, can add up to a significant sum.
  • Using management software can make a business more organized.
  • Consider hiring an independent contractor for various functions like office management and accounting. This will help cut down the outgoing money (like payroll taxes and employee benefits). You should also consider looking into virtual employees and contractors, if you are comfortable conducting business that way.

Where property managers should not spare expenses

  • Credit and background checks
  • Cutting down on a credit check might save you a few dollars in the short term, but in the long term, it can cost you thousands if you get a non-paying tenant.
  • Your safety, and the safety of your other tenants, is worth more than the little money you may save by skipping a background check.
  • Safety
  • Housing repairs such as rotting wood, rusty railings, exposed wiring, and burnt our lighting, should not be put off, because these things pose a serious risk to tenants and their guests.
  • Advice tenants to report safety issues of promptly, and be punctual in responding to these reports. If something hazardous or harmful should go unfixed, it may cost you much more in the long run than you are willing to pay.
  • Bookkeeping/Accounting: In times of economic distress, it is very important that you are tracking your income and expenses more frequently and better. This is not an rea you want to cut money in.