Understanding the Definition of Health Related Fitness

Being a Health and Fitness Professional, it is my job to understand terms and definitions which are commonplace to this industry, as well to keep abreast of evolving trends. Through my experience, I have found that a number of terms deserve a little more clarification than that which they are granted.

Aside from clarifying the definition of Health Related Fitness, this article intends to shed some light on a few of the associated terms, and to show their respective distinctions.

Is it simply all in a name?

The fitness world seems to use the concept Health Related Fitness like a generic fitness principle – interchangeable with others like “Physical Fitness”, “Health and Fitness” or simply “Fitness.”

While all of these terms can be included under the broad term Health and Physical Fitness, they individually refer to different aspects – both generic and specific. Unfortunately, references to these and other fitness-related terms are often vague, while consistency in their intended use is meager at best; there is a kind of “generally accepted” use for them, but individuals often rely on own interpretation, and this can lead to confusion.

With that said, does Health Related Fitness simply infer fitness by means of good health? Not quite. That is why we need to understand a little more behind these words before digesting the definition.

How did the term Health Related Physical Fitness come about?

That is a good question. One could probably ask what is this concept all about – can we not simply use the terms “Fitness” or “Physical Fitness” instead?” Why Health “Related”?

The main reason stems from the fact that most health and fitness terms are used inconsistently and often refer to different concepts or notions. Subsequent to the 1996 report from the US Surgeon General (Physical Activity and Health; a report of the Surgeon General), there was a move to try and address the alarming rise in obesity levels among the general American public. Studies and initiatives required standardization among clinicians, health practitioners and fitness trainers to grapple with the task at hand. Enter “Health Related Physical Fitness”, a working term to address the general state of health among the public.

The definition of Health Related Fitness

According to the American College of Sports Medicine (ACSM), the main authority in this field, ineffective definitions with unclear and subjective wordings, as well as definitions containing terms which themselves require defining, have contributed to confusing the term “Physical Fitness.”

There exists no reliable guide for Health and Fitness Professionals to measure “Physical Fitness”, because the term has been so loosely and inconsistently defined. It is therefore that one should consider the concept of Health Related Fitness. The definition therefore centers on the 5 Components of Physical Fitness which relate to “good health.” These Components are:

  • Cardiorespiratory Fitness
  • Body Composition
  • Flexibility
  • Muscular Strength
  • Muscular Endurance

On the other hand, Skill Related Fitness Components are:

  • Balance
  • Reaction Time
  • Coordination
  • Agility
  • Speed
  • Power

According to the Centers for Disease Control and Prevention (CDC), the definition of Physical Fitness emphasizes the difference between Health Related Physical Fitness and Athletic Ability Physical Fitness. Its point-of-departure is the “health” of the US nation, which is often referred to as the “public health perspective.” In that respect, the 5 Health Related Fitness Components are more important than those related to Athletic Ability (or Skill Related Components).

Although the concept of Health Related Fitness has an integral association with “good health”, the 5 Components are addressed individually by health professionals to allow for their measurement.

Now that we have a deeper understanding of the term, what purpose does it serve?

Continuing from where the definition left off, the objective of measuring the 5 Components is to advise clients about their own particular Health Related Fitness, and to use data obtained from the tests to design appropriate exercise programs which can then be evaluated.

The 5 Components contribute evenly to make up a holistic Health Related Fitness, which is of direct interest to the health of the ordinary citizen, in that the concept is normative. In other words, it is a standard which allows for consistent application.

It is therefore important for those working in the health and fitness industry not to mistake “overall physical fitness” with “Health Related Physical fitness.”

To conclude, let us consider this distinction between Physical Fitness and Health Related Fitness

One needs to bear in mind that regular physical exercise can improve overall Physical Fitness, as well as Health Related Fitness. However, overall fitness is a generic term and is up to subjective interpretation, while Health Related Fitness can be assessed.

The distinction therefore, between these two terms, exists in that Health Related Physical Fitness can be measured according to a set of established comparative norms.

This is where the “rubber hits the road.” The guidelines set out by the ACSM enable health professionals to work with clients to assess and measure their response to exercise and prescribe appropriate exercise programs. A client’s progress can then be monitored and adjusted where necessary in order to obtain the desired fitness goals.

Online Advertising Ideas – 5 Things to Help You Promote Your Business Online

If you are a business owner, whether offline or online and you want to outwit your competitors in the field, you may want to explore the many online advertising ideas that will help you promote your business online.

Indeed, many businesses are now moving towards advertising and marketing online as this can help widen your reach when it comes to getting in touch with your target audience and promoting your product to a wider audience.

Here are a few online advertising ideas to help you have a good start when it comes to advertising on the internet. Keep in mind that you have to take the costs as well as the expertise and effectiveness of each of the advertising options.

1. Advertise your business in banners. These square or rectangle ads run along the sides of a website and you can advertise your business in other websites to reach out to your potential customers. Usually, you can design your own banner ad or have someone design it for you.

2. Explore the affiliate marketing program. One of the smart ways to advertise and promote your business online is through affiliate marketing. In this marketing technique, affiliates will promote your business and get a commission every time a sale is made or a referral is made. Affiliate marketing is one of the online advertising ideas that allows you give the promotion and advertising task to the affiliates and you are ensured of sales before you can actually pay them.

3. Advertise in the search engines. When people want something on the internet, they most often go to the search engines to find answers, thus it is a wise step to make your business visible online. Google and Yahoo allows paid ads on the search engine results page, thus you may want to take advantage of this as well. However, keep in mind that although these ads, which are in the form of pay per click scheme are cheap at first glance, it can also be expensive and costly especially if your marketing plan fails.

4. Explore the free ways to promote your business online. Indeed, there are cost-free ways to make your business known online. You can join forums, share your expertise and promote your website. You can also write articles, press releases or gather testimonials from your clients. These simple online advertising ideas can indeed make a difference in your quest to make your business known online.

5. Do not just think about getting people to come to your business website. You have to make sure as well that you are making them stay longer in your site and make them patronize your business or purchase your products. Indeed, marketing online should not just stop in getting traffic to your website, you have to make sure also that you can convert online visitors into sales and eventually profit as well – which is of course, your main aim in advertising online.

Two Tips to Create and Start a Profitable Business Online

The Internet has become a great place to make money. Many people are establishing an online business that will help them to supplement their household income or have it become their main source of income. Freelance writers often fall into this category; after all, they write their own work and turn it into a publication, hoping that it gets published.

Writing can be fun but it’s not always gratifying monetarily. It doesn’t provide a person with the stable income that many people seek and desire. Freelance writers who work from home but haven’t considered taking the business online are changing their minds. Those who decide to start a profitable business online with the freelancing business and do well hardly ever look back.

Do you feel like doing the very same thing? If so, then read below for some helpful tips that can help you start a profitable business.

Tip 1 – Choose What Profession You Wish To Do

This tip may seem obvious but it must be said; you must know what you would like to do for an online business. There are several things that can be done; some of the more popular methods include:

- Blogging
– Freelance Writing
– Internet Marketing

Keep in mind that everybody’s path is going to differ. Whatever path you take to start a profitable business will be different from a friend’s online business path. Consider what your business is currently. If you’re selling your items at a bazaar, consider turning to the Internet and create a website to begin your online business venture.

Before you make just any kind of website, give it some major thought. Do something you believe would be fun and enjoyable and go from there. Consider your hobbies; think you can make it a worthwhile business? Perhaps you like to write or blog… why not those to start a profitable business?

Create and Write Out Your Business Plan

A very important step to putting together an Internet business is creating and writing out your business plan (actually, any business needs to have a plan). Many people tend to procrastinate in this area and can actually hinder how well they do initially. Don’t make this mistake.

This plan can be simple in design or complex… the choice it yours. However, it must clearly state your goals and have a step-by-step plan as to how you’ll achieve those goals. For instance, what are you hoping to come out of your business? How will you go about promoting it? These are just two of the many questions you should have answered with your plan. If you need help in creating your plan, consider doing an Internet search. There are many websites available for this very thing.

Four Steps To Promote The Business

Remember, it’s not enough to start a profitable business; you must get the word out that you are there. Promoting the business is essential and it must be ongoing. How do you go about doing this? Here are four steps to get this done.

- First, create a website for your business and explain about what it is you do. If you are selling a product (or products), design yourself an eBay store or create a catalog.
– Second, write up a press release that will announce the date your website goes online.
– Third, submit your blogs or website to directories.
– Fourth, start getting backlinks. This means you’ll need to do link exchange, article marketing, hub pages and much more just to get the word out.

Remember that how you start a profitable business is going to be different than everyone else’s. Just remind yourself time and again not to give up. Put the above steps to work for you and make your online business grow.

Types Of Life Insurance Policies – Which Is Right For You?

Term Life by definition is a life insurance policy which provides a stated benefit upon the holder’s death, provided that the death occurs within a certain specified time period. However, the policy does not provide any returns beyond the stated benefit, unlike an insurance policy which allows investors to share in returns from the insurance company’s investment portfolio.

Annually renewable term life.

Historically, a term life rate increased each year as the risk of death became greater. While unpopular, this type of life policy is still available and is commonly referred to as annually renewable term life (ART).

Guaranteed level term life.

Many companies now also offer level term life. This type of insurance policy has premiums that are designed to remain level for a period of 5, 10, 15, 20, 25 or even 30 years. Level term life policies have become extremely popular because they are very inexpensive and can provide relatively long term coverage. But, be careful! Most level term life insurance policies contain a guarantee of level premiums. However some policies don’t provide such guarantees. Without a guarantee, the insurance company can surprise you by raising your life insurance rate, even during the time in which you expected your premiums to remain level. Needless to say, it is important to make sure that you understand the terms of any life insurance policy you are considering.
Return of premium term life insurance

Return of premium term insurance (ROP) is a relatively new type of insurance policy that offers a guaranteed refund of the life insurance premiums at the end of the term period assuming the insured is still living. This type of term life insurance policy is a bit more expensive than regular term life insurance, but the premiums are designed to remain level. These returns of premium term life insurance policies are available in 15, 20, or 30-year term versions. Consumer interest in these plans has continued to grow each year, as they are often significantly less expensive than permanent types of life insurance, yet, like many permanent plans, they still may offer cash surrender values if the insured doesn’t die.

Types of Permanent Life Insurance Policies

A permanent life insurance policy by definition is a policy that provides life insurance coverage throughout the insured’s lifetime ñ the policy never ends as long as the premiums are paid. In addition, a permanent life insurance policy provides a savings element that builds cash value.
Universal Life

Life insurance which combines the low-cost protection of term life with a savings component that is invested in a tax-deferred account, the cash value of which may be available for a loan to the policyholder. Universal life was created to provide more flexibility than whole life by allowing the holder to shift money between the insurance and savings components of the policy. Additionally, the inner workings of the investment process are openly displayed to the holder, whereas details of whole life investments tend to be quite scarce. Premiums, which are variable, are broken down by the insurance company into insurance and savings. Therefore, the holder can adjust the proportions of the policy based on external conditions. If the savings are earning a poor return, they can be used to pay the premiums instead of injecting more money. If the holder remains insurable, more of the premium can be applied to insurance, increasing the death benefit. Unlike with whole life, the cash value investments grow at a variable rate that is adjusted monthly. There is usually a minimum rate of return. These changes to the interest scheme allow the holder to take advantage of rising interest rates. The danger is that falling interest rates may cause premiums to increase and even cause the policy to lapse if interest can no longer pay a portion of the insurance costs.

To age 100 level guaranteed life insurance

This type of life policy offers a guaranteed level premium to age 100, along with a guaranteed level death benefit to age 100. Most often, this is accomplished within a Universal Life policy, with the addition of a feature commonly known as a “no-lapse rider”. Some, but not all, of these plans also include an “extension of maturity” feature, which provides that if the insured lives to age 100, having paid the “no-lapse” premiums each year, the full face amount of coverage will continue on a guaranteed basis at no charge thereafter.

Survivorship or 2nd-to-die life insurance

A survivorship life policy, also called 2nd-to-die life, is a type of coverage that is generally offered either as universal or whole life and pays a death benefit at the later death of two insured individuals, usually a husband and wife. It has become extremely popular with wealthy individuals since the mid-1980’s as a method of discounting their inevitable future estate tax liabilities which can, in effect, confiscate an amount to over half of a family’s entire net worth!

Congress instituted an unlimited marital deduction in 1981. As a result, most individuals arrange their affairs in a manner such that they delay the payment of any estate taxes until the second insured’s death. A “2nd-to-die” life policy allows the insurance company to delay the payment of the death benefit until the second insured’s death, thereby creating the necessary dollars to pay the taxes exactly when they are needed! This coverage is widely used because it is generally much less expensive than individual permanent life coverage on either spouse.

Variable Universal Life

A form of whole life which combines some features of universal life, such as premium and death benefit flexibility, with some features of variable life, such as more investment choices. Variable universal life adds to the flexibility of universal life by allowing the holder to choose among investment vehicles for the savings portion of the account. The differences between this arrangement and investing individually are the tax advantages and fees that accompany the insurance policy.

Whole Life

Insurance which provides coverage for an individual’s whole life, rather than a specified term. A savings component, called cash value or loan value, builds over time and can be used for wealth accumulation. Whole life is the most basic form of cash value insurance. The insurance company essentially makes all of the decisions regarding the policy. Regular premiums both pay insurance costs and cause equity to accrue in a savings account. A fixed death benefit is paid to the beneficiary along with the balance of the savings account. Premiums are fixed throughout the life of the policy even though the breakdown between insurance and savings swings toward the insurance over time. Management fees also eat up a portion of the premiums. The insurance company will invest money primarily in fixed-income securities, meaning that the savings investment will be subject to interest rate and inflation risk.

FOREX Trading – Facts You Are Curious To Know

Every country in the world is buying or selling to other countries in the world. How do they pay for it. As an importer, let us say in America, you would pay in Dollars. Similarly if you are an exporter, you would want that buyer to pay in Dollars, and not in that country’s currency.

Therefore a demand is created for the dollar by your exports, and by your imports, that country has got dollars. Depending upon the volume of trade, that is exports and imports, either your country or that country has an excess or deficit in dollars. So if that country has an overall deficit in dollars, where does it go to find dollars to pay you? In the forex market.

That is as simple as that. Therefore every country is trading currency of which they have an excess, and of currencies in which they have a deficit.

The players are the Governments, the Banks, the financial institutions, the investment bankers, authorised companies, and authorised brokers.

In determining what the rate is going to be for the exchange of currency, a number of econometric tools are used. A simple one is whether or not that particular country has a trade surplus or not. If it has a trade surplus, it means that it is holding a particular currency, normally the US dollar, in excess of its requirements. But keeping currency idle is not worth it. Money chases money.

Therefore, if America is deficit in its trade account, it has to find dollars in the forex market to pay off for its imports. Thus it contacts various countries which have surpluses or deficits (on products which America has a surplus), and the trade begins, based on demand and supply. Thus you find that one day a dollar is worth, say 1.50 in Sterling pound. The next day, the rate varies.

For instance when the recent crisis regarding the sub prime rate in house mortgages took place in America, the dollar took a steep plunge, forcing the Federal Reserve (the Central Bank for America) to intervene and cut interest rates. The dollar took a hit because the economy went in for a slide, due to lower results and lower employment. Thus the dollar when valued against the pound became lower, that is instead of 1.50 GBP (Sterling Pound), it became a dollar being traded at 2 sterling pounds.

The volume of trades in currencies is very high, and carries on day and night, without let or hindrance.

Nearly all major currencies are traded on the market, working on the principle of demand and supply. Every player in the market is always looking for opportunities to make a quick buck for the institution, and therefore they remain constantly on line all the time.

The forex market is different from the stock market, because stock markets are local, and forex markets are global. Your stock market is, say, the NASDAQ. It is local. it does not matter that its indices are linked to markets elsewhere now. Basically, it remains a local buying and trading of stocks, listed on it.

On the other hand, forex markets involves all the countries which trade with each other, and is restricted to Governments, authorised dealers like large companies, investment bankers, investment funds, and individuals who have a licence to trade in the currency markets. You don’t require a licence to play the stock market, do you? That’s the significant difference.

Given that nearly all countries are trading in the forex market, you can well imagine how huge or awesome the figures must be to make up that market. In dollar terms alone, it is in excess of TWO TRILLION ! And well, frankly, after the first 10 zeros after 1, I have left it alone. It’s too much for this author!