Why Can’t I Get Off The Couch? 4 Tips for Starting an Exercise Program that Lasts

We’re surrounded by information about the benefits of exercise, but many of use still have trouble incorporating regular exercise into our lives.  Although we know it’s good for our body’s and more and more studies point to it’s benefits for our mental health, we often still don’t make it a habit.

The following are 4 tips to start an exercise program that you will stick to.

  1. Start slow.  You might want to see results quickly, but starting a new exercise program by exercising so hard that during exercise you find it hard to talk you can postpone the mood boost that accompanies exercise by as much as 30 minutes.  This is enough time to make many people give up exercise for good.
  2. Focus on “feeling good” mentally, rather than on the physical results.  Exercise releases endorphins, which are natural chemicals in the brain associated with positive mood.  The effects of endorphins on mood occur immediately following exercise.  In contrast, physical changes can take weeks and months—too long to maintain motivation.
  3. Choose exercise that you like.  Making the actual process of exercising pleasant makes it much more likely that you will make the time for it and continue, even when life gets busy.
  4. Engage in positive self-talk.  When it comes to exercise, we often focus on what we haven’t done, rather than what we have.  Instead of punishing yourself for your failings (“I didn’t do a full hour today”) praise yourself for what you did accomplish (“I managed to fit 15 minutes into a busy day”).

Starting new habits are never easy. But once you get started, exercising regularly can help you maintain a positive outlook and improve your overall sense of well-being.

 

 

How Exercise Impacts Your Mental Health

joggerMost people living in a modern world understand that regular exercise is beneficial to physical health.  And many people recognize that exercise makes them “feel better.”

In fact, incorporating exercise into a sedentary lifestyle can have significant physical and mental health benefits. Exercise is healthy, inexpensive and, according to Roger Walsh in the October 2011 issue of The American Psychologist, underused to treat psychiatric disorders.  In his review, Walsh found that exercise reduces the risk of multiple diseases, including cancer, and improves physical disorders such as cardiovascular disease and diabetes.

Last week I discussed how unhealthy lifestyles can contribute to an array of physical problems and can play can an equally important role your mental health and maintaining a sense of well-being, and that's why exercising as running is important, so finding good shoes to wear after bunion surgery could be essential to exercise comfortably, read more at Technomono.

This week, I will review exercise specifically.  I summarize, below, some of Walsh’s findings in his review of the literature exploring how exercise impacts mental health. Continue reading “How Exercise Impacts Your Mental Health” »

A simple definition of a mortgage is a type of loan you can use to buy or refinance a home. And no, there are no such things as long-term mortgage. There is only a short-term mortgage. I won't go into that much detail, but the main difference between a mortgage and a loan is that a mortgage can be forgiven if you aren't able to pay the mortgage back. You can think of a mortgage as a form of debt. When you buy a house, you buy that house. If you don't pay for it, you can sell it at any time and get to whatever value you put on it. We suggest visiting websites like https://www.sofi.com/home-affordability-calculator/ to get all the information you need about mortgages.

 

This new type of reverse mortgage would help retirees generate much more income - MarketWatch

In reality, many people have several different types of mortgages, including tax-free mortgages, mortgages that are also for payment to the bank and interest-free mortgages. Some borrowers choose to buy a home with a tax-free mortgage, but some prefer to buy a home with a loan from their bank that they have to pay back. A tax-free mortgage is one that is tax deductible but that also doesn't come up to its full value until after you have paid for the mortgage and the monthly rent. For instance, if you bought a house for $200,000 and it was worth $210,000 after taxes, the $55,000 you paid for it will be tax deductible, but the $210,000 you owe the bank for the mortgage will not be.

Why Do Some People Refinance?
Some people prefer to pay back their mortgage faster than they owe the bank. Others prefer to pay less money into a mortgage than they are able to pay back. There is a huge world of options to choose from. You can get tax-deductible loans, you can get a loan with a fixed interest rate, or you can use an unsecured loan that you will pay off by getting a loan from the bank. You can get a fixed interest rate or a variable interest rate. The question is what type of mortgage do you want?

Here is a good reason to refinancing your mortgage:

Pay off the mortgage faster
Another reason to refinancing your mortgage is that you have a debt. You have an interest and principal obligation to pay for the home that you are now paying for. Do you really want to pay off that debt with a mortgage? Of course not! After all, how can you afford to pay off that debt if you are only paying off the mortgage?

So why do we want to pay it off faster?

Well, one reason is because paying off the debt quicker will leave you less money to spend on stuff. For example, suppose you are in your early 30s, have a relatively large pay grade and a nice house that you would like to sell. Let's say your real estate agent, on a good day, says you have a $250,000 house that needs around $10,000 in repairs. So instead of trying to sell the house, you let it sit for a year or two. That money you spent on making repairs will help you afford to pay off your mortgage faster. So, you could refinancing for $25,000 per year. Now, instead of paying for the mortgage, you are paying for the house, not spending it on anything else. That way, if you buy something nice, you are the one paying the bill instead of your lender.

Does Yoga Reduce Anxiety? A Study on GABA Levels

does yoga reduce stressSo many people who practice yoga expound on its virtues.  I’ve heard many talk about the physical and emotional benefits of yoga, which basically is a rudimentary form of biohacking.  People say it makes them feel good, calm, peaceful.  Since it’s a practice that’s been around for thousands of years and the people who practice it certainly tend to look healthy and relaxed, I was curious if there was research to back up the benefits I often hear about.

Continue reading “Does Yoga Reduce Anxiety? A Study on GABA Levels” »