Top Ten Gift Ideas For The Busy Banker

If you’re shopping for a birthday or a Christmas gift, or, you just want to show your favorite banker how much you appreciate him or her, then you need to know the top ten gift ideas for the busy banker:

  • Send a Novelty Gift Tee Shirt to a Banker Who Has a Keen Sense of Humor

Bankers don’t wear suits all the time. So when they’re relaxing they need a comfortable tee shirt that will help put a smile on their faces. A cotton tee that reads, “Old bankers never die- they just lose interest” will surely be a big hit. Look in the yellow pages of your local phone book and find shirts like these at local stores that personalize and make specially-designed shorts. Or, search the Internet for supplier across the globe. You can also find some of the best gifts on keuzehelper.nl online which you can use as a complimentary gift.

  • Give a Distinguished Gift of Fine Writing Instruments

To ordinary people, they’re known simply as “pen and pencil sets”. But to the executive banker who has a taste for exquisite things, this gift item will be much appreciated. Many stationery stores, jewelers and office supply stores carry fine writing instruments. However, your best chance to find an affordable pen and pencil set will be to look on the Internet by using your favorite search engine. There you can compare items and prices and choose the best item for that busy banker on your gift list. And, if you want to make the set a little more special, have it personalized with their name.

  • Does He or She Have An Interest in Collectible Old Bonds?

Another top ten gift you may want to choose is to buy him or her old bond certificates. The best of these certificates are authentic- not copies. You can choose from Confederate Civil War Bonds and many more.

Once you order and receive the bond you want to give as a gift, you can frame it so your favorite banker can display it on a desk or hang it on the wall.

  • Put “Survival Spanish for Banking and Financial Institutions Pocket Reference Guide” on Your Banker’s Gift List

Today, English isn’t the only language that’s being spoken in the United States. Many immigrants speak Spanish. Everyone who deals with the public- even a busy banker -needs to possess a basic knowledge of the Spanish language. This book can do just that! This easy-to-follow, pocket-sized guide will assist the banker on your list to communicate with his or her Spanish-speaking clientele. Simply check the Internet to find out where you can order a copy or two of this instructional guide.

  • Buy “The Accidental Investment Banker: Inside the Decade that Transformed Wall Street”

Written by by Jonathan Knee

Another top ten gift idea for the banker who loves to read is this book that was written by an insider in the financial industry. Knee tells the story of two giant investment banks on Wall Street and how they “wheeled and dealed” their ways into trouble. It offers readers a keen insight into what really goes on in the world of banking.

  • Show Your Banker What a Fine Job You Think They Do

What banker wouldn’t grin everytime they pulled into their parking space in the morning and see a sign that reads, “World’s Best Banker”? There are sign companies all over the Internet, and probably a few in your town, that will make any type of sign you can come up with. Sizes vary, but be sure to check the banker’s parking space first to see if a sign can be attached.

  • Busy Bankers Know Oh-So-Well That “Time is Money”

You probably wouldn’t do this with the banker on your gift list unless they’re related to you or you two are good friends, but this creative idea can be the best gift they get… ever. Give them the gift of time. For the busy executive “on the go” offering to babysit their kids a night so they can go out on the town and relax can be a godsend. Or, why not offer to keep an eye on their house while they’re away at a business conference? The possibilities for this top ten gift are endless!

  • Give This Unique Bank to That Banker on Your Gift List

A piggy bank for a banker? Not unless its a piggy bank that’s designed to look like a combination safe. What better gift than a polished, silver-plated brass piggy bank? It will be a distinguished piece that he or she can display on their desk with pride. Their customers and co-workers alike will admire the bank.

  • Another Top Ten Gift Idea- Another Way to “Give the Gift of Time”

Clocks are timepieces that are always gifts that show good taste. The most suitable clocks are small, unique pieces that can be set on a desk or table. You can choose cabinets that are made out from many materials including polished wood, silver, brass, glass and acrylic, to name a few examples. Visit your local office supply store or check the Internet to see what’s available on the market. For an added bonus, you can always have the clock personalized.

  • Give Them a Gift They’ll Treasure and Use Everyday

Since business cards are a necessity for the busy, successful banker, why not give your favorite banker a leather business card case? He or she can store their business cards in this holder and keep them clean and neat until they pass them out to prospective clients.

Stay at Home Dad’s Guide to Cleaning

Back again with some more useful, quick tips. Like I said, staying at home and rushing to meet three children’s schedules is no picnic. Mine don’t even have soccer practice, ballet, or anything like that. Of course, half the fun is kid wrangling once I meet their deadlines, but that’s for another article.

This time we’re going to talk about all our dirty little secrets; or, at least our little secrets for dealing with dirt. Let’s face it, no one likes to clean. Okay, a few do, but only a few. I’ll admit I find doing the dishes a great way to take out aggression. Nonetheless, we have to keep the place clean.

As I said before, kids are around enough dirt and germs; we don’t need it collecting in the house as well. I have a small place, and too much stuff. Three children and two adults living in cramped quarters can easily turn that decadent living room into a war zone. It really isn’t that hard to keep everything up to par, though.

Just follow the given points in a systematic manner and you would find that there is no need to hire some house cleaning service to do the job as everything can be managed easily without any trouble even though the kids have to be advised not to throw mess and muck around.

  • Keep Up:

Don’t let messes go for too long. Dirty dish? It needs to go to the kitchen, not the coffee table? Empty can of soda or juice box? Man invented trash cans simply for this purpose. This is really a simple concept a lot of people forget. We get busy and we’re running round doing a million things at once, and we say “Oh, I’ll get to that later.” Every time you hear yourself utter or even begin to say this, stop and think of how busy you’ll be later. If you notice it, you have enough time to take care of it now. My children even help with this. The other day, I was cleaning a mess my 7 month old had made, wiping the food from her face with a wet wipe. I put it on the table next to me, and said “I’ll get to that in a minute, once I lay her down.” My two year old walked over, grabbed the wet wipe and said in a very loud and clear voice “Noooooo.” He then walked to the kitchen and put it in the trash. He came back around the corner, pointing toward the trash and said “There, Daddy. There.” His point was made.

  • Multi-task:

Another relatively easy concept. I don’t have a dish washer, so the dishes need to soak and then I scrub them, rinse them, and then dry them. While the dishes are soaking, I start a load of laundry. Then, I start at my next area (see next note) and pick up a few things. Then, I go back to the dishes. In-between all this, I take a few minutes to check emails and posts, etc., but ONLY a few minutes. There are some tasks like this you don’t have to be doing, but take time. Letting the cleaning solution soak into the accumulated grime on the stove is another good example.

  • Focus on an area:

Look, if you try to run all around the house and do everything at once you’re either going to fail, take too long, or wear yourself out. I usually start in my kitchen, near the door to the outside. Then, work my way from that corner toward the rest of the room. From there, I hit the living room, where it meets the kitchen, work my way to the other side. Then, the hallway, bedrooms and bathroom (one at a time). Just do everything in steps. Otherwise, it will quickly seem that you’re not accomplish anything, you will slow down, and feel/be defeated.

Is Lending Through Prosper.Com A Viable Investment?

A lot of different bloggers are experimenting with lending money on Prosper.com as a methodology of earning a higher rate of return than money market accounts, certificates of deposit and savings accounts.

Prosper.com is a relatively new service that allows borrows to place requests for loans and then lenders can big to fulfill part of that loan at the going interest rate. The going interest rate is determined by the free market, lenders can bid the interest rate that they want to lend the money at, and the borrowers can then choose the best interest rate form all the lenders ho have bid on their loan. Borrowers then pay their money back to Prosper, and then prosper will distribute the money to all of the lenders for that particular loan. Lenders distribute their money to a number of different borrowers to minimize the risk that they are taking. But the question remains, is lending money through Prosper.com a worthwhile investment?

In order for prosper.com to be a successful and a sustainable market place, it has to be a benefit to both the borrowers and the lenders. If either side is getting had, the system will inevitably break down. This is true for any market place though. Unlike eBay and other online market places, it’s a lot harder to determine the value of the likelihood of the borrower to repay the loan, as opposed to finding the value of a physical good that is sold on eBay.

Prosper.com finds a balance of rate of return in two different ways. First, the rate has to be better than the money that people can get other places. Lenders might put their money in CD’s and savings accounts which get 5% rates. It is also must be below the rate that borrowers can get money elsewhere, such as on a credit card. The price will fall somewhere in between there.

It’s interesting that lenders on prosper are lending money to people at rates of return less than what banks would lend money at. We don’t have better financial information than banks, and are certainly not better financiers than them! The reason people can lend money at lower rates than banks, is because they don’t have any overhead. You’re just a person with an internet connection, you don’t need to have a branch, tellers, staff, facilities and ATM machines. You’re just you!

But should we do this? In most cases, no. When you are loaning money on prosper, you are definitely dealing with sub-prime borrowers. There’s a lot more risk when lending money on prosper as opposed to putting money in the bank. If you want to take on some more risk for a higher rate of return, you’re most likely off better than investing in a junk bond fund. You could also become part owner in a bank by investing in their stock. When all is said and done, there are much less risky and much more viable alternatives. Just like what you see in Majestic Lake Financial Reviews, the feedback od customers to Prosper.com are mostly positive.

Make Money Online With Blogs – 4 Key Methods

Blogging is now a legitimate way to make a living and there are many bloggers who have made a career out of it. Some of these bloggers commonly collect paychecks of 3-4 figures every month. The methods they employ to make that living online are deceptively simple and many people are still wondering how they manage to achieve this. Although, FKC Concept Evergreen Wealth Formula reviews all these ways and provides you with the best recommendations.

Today, there is an increasing number of methods that a blogger can employ to make money online. These often do not call for any investment in terms of money, but they do ask for a strong commitment in time. The long-term result is often a passive income source that could come from just 2 to 3 hours of work a day. Using a blog, you can create multiple streams of income with these methods. By building your blog traffic and converting that into additional income, it adds a further dimension to making money online.

Here are just a few of the best methods to make money from your blog:

  1. Advertising networks

With the advent of advertising networks such as Adsense, WidgetBucks, and Bidvertiser, bloggers have the ability to include ads on their sites. These ads are what they call contextual ads. They display ads relevant to the content of the site. When people click on these ads, you will earn money per click. You might be surprised that many bloggers live totally on the income generated from these ad networks.

  1. Writing sponsored reviews

There are many businesses that are looking to advertise and promote their sites. One way is to approach bloggers to review their sites and post these on their blogs. These can be done so through sponsored review sites such as ReviewMe.com and SponsoredReviews.com. There are certain requirements to be included in these networks, but if you are dedicated to your blogging efforts, this should pose no problem. As a blogger, you will then be paid for writing these reviews, based on a pre-agreed price that you have control over.

  1. Direct advertising

With the space available on your blog, you can actually sell them as advertising space. Other sites and businesses are willing to spend money on banner advertising which can be posted on your blogs. Over time, as your blog gathers increasing traffic and visibility, you will eventually be able to earn even more income as your blog’s advertising space becomes more valuable.

  1. Affiliate programs

By advertising affiliate programs on your blog, it offers one of the most powerful passive income sources you can have as a blogger. Anyone who signs up to these programs as your referral would contribute in a way to your earning potential. To get more referrals, you simply have to provide honest reviews of each program. This contributes to a building of trust between you and your readers, and that is critical to gather more affiliates.

The above lists just 4 of the many methods that you, as a blogger, can make money online. By committing a certain amount of time each day doing these, you will be able to build a substantial blog income over time and achieve your goals of making a living online.

Teen Educational Use of Internet May Be Linked to Demographics

As the parent of a teenager, you have most likely seen, firsthand, the reality of Internet use and how it plays in integral role in your child’s entertainment, social networking and even education. For many parents, there exists a struggle in balancing work, play and Internet surfing within the teen.

For lower-income students, the access to the Internet, in recent years, has become easier to find. With many schools providing access to the Internet, students are using technology to not only complete school assignments but to create social networks as well. For some students, the use of the Internet has been expanded through public and private grants which cover the costs of not only the computer and related equipment, but also the Internet access for 12 or 24 month contracts.

If you are one of the millions of American homes with computer and Internet access, and your child is in middle school or high school, you probably have concerns over the amount of time that is spent on the Internet. In homes where students are economically disadvantaged, the Internet is playing a key role in the routine of evening activities. Contrary to what many parents may believe, however, teens of lower socioeconomic households tend to utilize Internet services more often for school and educational purposes than for social networking. Is utilizing a Private Instagram Viewer Safe? The experts available at the site will deliver the best results. Believe of the parents will be high at the site with the available of the information. The social networking through the person will be great with the best results with less effort.

With expanded use of Internet technology for educational purposes, many teachers, especially in schools where economically disadvantaged families are provided Internet technology by the school, teachers are now using Internet to communicate with students. While classroom time may be spent on lecture and instructional learning, the students’ access to the Internet, at home, provides the teachers with an opportunity to supplement learning through e-mail and other Internet resources.

As the parent of a teenager, it is important to allow your child the independence needed to become productive adults. However, in the age of advancing dangers associated with technology and Internet use, it is important to continue to monitor the Internet usage of your teen very carefully.

While most teenagers, today, live in a home with Internet access and personal computers, there are some economically disadvantaged teens who must continue to rely on school and public libraries for their Internet access. If you are a family who has been offered computer and Internet technology as a public or private grant, the opportunities to boost your child’s educational foundation will increase significantly. While most teens use the Internet for entertainment purposes, it may be the economically disadvantaged teen that will require the least amount of supervision while using the computer to communicate with the teachers at school and complete educational projects.

How To Quit Smoking: Helpful Aids To Cut Cravings

I smoked cigarettes and tried dab rigs under 50 for almost 25 years before quitting. I actually loved smoking, as one would think since I did it for so long. I loved the sparking up while driving, the first cigarette in the morning, the after-dinner palate cleanser, the before-bed relaxer, the “take a quick walk away from the cubicle, and stop staring at the monitor,” the just-for-fun, and all the other ones, too. After about 1 ½ years, I still find myself occasionally wanting to have one. Except I know now as I did when I was in the process of quitting, I cannot – not anymore.

This was my first hurdle in quitting, forcing myself mentally to stop what I had been doing for so long. I prepared by letting it sink in mentally, almost meditating, for a week prior to quitting that I just couldn’t do it anymore. The health risks and monetary costs just became too much. I prepared mentally because I knew there were consequences to quitting. It’s not only a physical addiction but a lifestyle as well. The after-dinner palate cleanser and taking a break from work aren’t just a nicotine need. They are not just a habit. To me, each cigarette is part of a lifestyle I chose but was now choosing to change. Similar to a retired athlete who misses the high competition, I would be denying myself pleasure and there was/is no replacing it. To get through it I was lowering my risks of not being healthy enough to enjoy life when I retire in about 25-30 years. The goal wasn’t to quit. It was/is the long term benefit. Have a goal, work towards it.

Past the first hurdle, I went with the nicotine gum this time. I had tried it years before, back when the only flavor was mud. Now they have multiple flavors out. In the past, I have also tried the lozenge, cold turkey, gradually slowing down, the prescription of inhibitor pills, and even the homeopathic method of herbs and licorice roots. I still think any of those methods could have worked, as well as the laser treatment if I had been ready to accept the consequences of quitting earlier. I started out with the 4mg gum and chewed it as suggested in the first few days. I went through 8-10 pieces per day. The first two days I was cranky. If I chewed the gum too much instead of “parking” it in my gums as the directions say to I would get the hiccups. To stop the hiccups I took out the gum and drank some water. I think hydration is important when using the gum, so I also made sure to drink extra water. I did get some digestive distress, a few times when I felt I need to rush to the bathroom, but no tragedies occurred. I also chewed regular gum as a way to keep me occupied when not chewing the nicotine gum.

On day three I broke away from the directions and started to decrease my gum consumption. I knew that if need be I could always take an extra piece. I still would have the desire to smoke, but I focused on my ultimate goal and fought off the urge. I was down to about four pieces per day when I finished the first box of 110. I switched to 2mg for the next box. I found I needed to re-up it to six pieces per day for a few days. I gradually slowed down to two pieces per day and took an extra piece if I was at a bar where I knew it’d be toughest mentally for me.

A year and a half later, I still chew a piece a day. I know I probably shouldn’t, but I still want the crutch. My guess is that the long term health risk to chewing the gum will be similar to one who drank two cups of coffee per day since both caffeine and nicotine are stimulants. I’m no doctor though.

As a side note, my wife had laser treatment to quit smoking. She says it cured her instantly. She didn’t even need one on the drive home from the first session. She’s been smoke-free for about five months. She still gets the desire to smoke every now and then too.

In the end, I recommend quitting. The gum worked great for me. The laser treatment worked great for my wife. The key to me was understanding that nothing replaces the habit or the lifestyle of things one does while smoking, get over it, and move forward towards that long term goal.

Save Money By Keeping Your Car In Good Shape

Keeping your vehicle in a good shape is a really great way through which you can also save some money. The most essential tool here is a programmer that you can find on https://mygaragetool.com/best-programmer-for-5-0-f150-reviews/ and use it to improve the performance of your car. There are several things that you need to keep in mind as you try to improve the durability of your car. 

  • In order to keep the suspension, steering components, and wheels of your car in optimum condition you should avoid potholes as you drive your vehicle. Moreover, this is how you can keep your car free from all those squeaky sounds that you get from your vehicle. 

  • As you wait in your car for someone or on a road you should stop idling as it can consume a lot of fuel. This is why it is recommended that you turn off you vehicle to save your fuel and money. Additionally, you should avoid driving during rush hour so that you can drive more smoothly as well. 
  • At regular intervals of time, you should also check and change the engine oil of your vehicle to keep your engine smooth for a long time as well. 
  • Cleaning your vehicle is also important as you need to get rid of all the dust particles and grime from your car. For that, you should be wax your car regularly, change the brake fluid and coolants of your car as well. Greasing and lubricating your car is also going to help you make all the moveable parts of your car more durable. 
  • Lastly, you should be protecting your car from the weather. For that, you should park your vehicle away from trees and overly crowded places. That way, you will be able to keep your car safe from the damage caused by bird poop and several other factors. 

These are the 5 effective and easy tips that you need to follow in order to keep your car in optimum shape for a long time.

Five Online Games to Enjoy on Social Sites

Ever since the start of facebook, online games were introduced. Some people may say that they just created facebook for the online games they offer. In 2010, the most popular social sites games were Farmville, RestaurantCity, Texas Hold’em poker, PetSociety, and many more. You might have played these games before or until now. However, these games are for the ones who are seeking to have something to do in their leisure time.

Here, we’re gonna discuss games that let you win a lot of money by just investing a little bit. And it’s not a matter of luck, but a matter of skill. These are called pkv games.  In Pkv games, which are legit and have a lot of working agents, they offer real and fast gambling for you to win some money. If you are lucky and a  good player, you can earn a lot of money by investing in some little bucks.

If you want to try social sites online games, then awesome! Because listed below are 5 online games to enjoy on socials that is legit and should really try on:

  • Revholics.com

If playing in a casino is one of your happy moments, and you cannot go to Las Vegas due to the COVID virus, then Revholics.com is the perfect site for you. Though there are some sites that offer the same service, you can rest assured as they are topnotch and legit. Their site even offers blogs and reviews on the different Social Network Games out there. 

  • Raptr.com

Raptr.com is also one of the most popular sites that exist. Their site allows players to upload their pictures and manage their online game life. One factor also that brings them up is that players can also update their gaming status to be able to show them to friends. They also offer different games that players can choose from.

  • Playfire.com

This site is a great place if you prioritize security and want to connect with friends easily. If you visit playfire.com, it offers you to connect through facebook which allows faster connectivity through facebook friends. The site is able to notify about discussions, videos, stories, or friend updates.

  • Worldofwarcraft.com

Like any other top social sites, they also offer the same service and can also connect with other players to chat and share experiences with them.

  • Pwned.com

Last but not the least, pwned.com. They allow connectivity with other people who have the same interest with you. They offer profile customization which can be viewed by other players.

A Visitor’s Guide to the Royal Botanic Kew Gardens in London, England

If you enjoy visiting gardens, ponds and palaces and have a penchant for horticulture in all of its glory, then Kew Gardens is a place you should consider visiting. Situated conveniently between Kew and Richmond in the southwest corner of London, Kew Gardens is a wonderful place for families or couples to spend the day.

The Royal Botanic Gardens of Kew is situated on 300 acres of land and was created by Lord Capel, and then further enlarged by Princess Augusta. The Chinese pagoda, built in 1761, was built in honor of Princess Augusta and survives to this day.

I found Kew Gardens to be especially beautiful in the Spring, and guests should be aware when traipsing across the verdant meadows that they may encounter numerous peacocks as their companions while roaming the grounds of the gardens.

Kew Gardens was added to the list of World Heritage Sites by UNESCO in 2003.

Here are some suggestions of things to see and do at Kew Gardens:

Kew Palace

Kew Palace, a 4 story brick house, was built in 1631 by Samuel Fortrey. The palace was first used by the royal family in 1728 and then was purchased by King George III in 1781 as a nursery for the royal children. Queen Charlotte died at Kew Palace in 1818.

Compost Heap

Fitting for such a place, Kew Gardens has the largest compost heap of anywhere in the world, which is used in the gardens.

The Rose Garden

The Rose Garden began in 1923 in the location that was once the site of King George III’s special lake which was built for the king to sail his swan boat in.

There are 54 rose beds in Kew Garden’s Rose Garden, with each containing a different variety of roses. Hybrid tea, shrub, floribunda and Old English roses are arranged according to the color of their flowers here. A botanic garden will be a highly recommended place for horticulture enthusiasts for research. The information gathered from the research will be beneficial for the person. The identification of the color will offer effective results to the enthusiasts from the garden. 

The Palm House

The Palm House was built over a four year period between 1844 and 1848 by Richard Turner. The Victorian Palm House grows plants that would normally be threatened in the wild and a quarter of the palms housed here are currently experiencing difficulties in the wild. The Palm House also contains plants that are grown for their timber, spices, fibres, medicines, perfumes and fruits.

The Temperate House

The Temperate House was once the largest plant house in the world, and now contains the world’s largest Victorian glass structure.

There are numerous endangered pants here from various island species that are currently growing in The Temperate House so that they can be reintroduced to their native lands. Some of these plants include the Hibiscus Lililiflorus from Rodrigues Island and the Trochetiopsis Erthroxylon from St. Helena.

Other treasures inside the Temperate House are the date palm, tea, quinine, and a large collection of citrus trees. There is also a large collection of trees from Australia with grass trees in it.

The largest indoor plant in the world, the wine palm from Chile, was grown from seed in the center of the Temperate House. The wine palm is now 52 feet high and continues to grow.

The rarest plant of all at Kew Gardens, a cycad, is also here and is one of the last surviving specimens of it in the world.

The Great Pagoda

Built by William Chambers, the Great Pagoda is one of my favorite parts of Kew Gardens and was built in 1762 and is an imitation of the Chinese Ta. The Pagoda is 163 feet high and there are 253 steps in the center of the building.

King William’s Temple

This was built by Sir Jeffry Wyatville in 1837. The temple is made of stone and has a Tuscan portico at both ends. There is a superb collection of Mediterranean shrubs, plants and herbs surrounding King William’s Temple, as well as a collection of rock roses.

The Cherry Walk

Perfect in the Spring, the Cherry Walk starts at the Palm House and ends at the Temperate House and features a collection of various Japanese cherry trees.

Other Themed Gardens

Amongst the numerous theme gardens are the Lilac Garden, the Rock Garden, the Alpine Garden, The Crocus Carpet, the Grass Garden, the Aquatic Garden, the Bonsai House, the Order Beds, the Marine Display, the Berberis Dell, the Mediterranean Garden, the Japanese Landscape, the Holly Walk, the Bamboo Garden, the Rhododendron Dell, the Azalea Garden, the Bee Garden, the Princess of Wales Conservatory: Orchids, the Princess of Wales Conservatory: Ferns and the Princess of Wales Conservatory: Carnivorous Plants.

Is it Possible to Lose Weight in a Few Short Weeks and Look Good in Your Summer Clothes?

Every spring there is a whole group of people who frantically decide, once again, that they need to lose 10 – 20 or 30 pounds in just a few short weeks in order to fit into their summer clothes and “look good.” Not only is this type of thinking ridiculous, frankly, but it can also be dangerous as well.

Over time, this yo-yo dieting, where you quickly lose a few pounds only to gain them all back, plus a few more, damages the body more than simply being a little overweight. You see when you do a fad diet and take off more than the healthy recommended 2 pounds a week; you are losing muscle as well. When you regain the weight, you don’t regain the muscle you lost, you regain unhealthy fat. The fat does not limit itself to being deposited on your hips and thighs, though. It also gets deposited in your liver, around your heart and other internal organs, plus inside your arteries where it sits, just waiting to break off, travel to your brain, lungs, or heart, causing major damage, or even death.

Ways to discourage this yo-yo phenomenon is to exercise while changing your eating habits. Exercising will help build muscle, increasing your metabolism, and help you lose weight. It will help shape your body, also, as you shed that layer of fat that you’ve been encased in for so long. You may be surprised at the shape that emerges as the fat comes off.

You don’t have to get crazy in the exercise department either. Walking is a great way to get what you need, especially in the beginning. Try to walk for 30 minutes a day, four to five days a week while losing weight. Once you’ve lost all the weight you want, then maintain it by walking only three days a week.

If you want to add some muscles to increase the fat-burning metabolism, pick up a couple of cans of spaghetti sauce, and do some bicep curls. Do them slowly, with resistance up and down and start with perhaps three sets of 10 and work your way up. You don’t have to join a gym; you can find things around the house to help you. Go to a book store and just take a look. There are tons of books available to help you find what will work for you

Now for the “diet”. Get that word out of your head and never use it again! What you need to do is change your eating habits to a healthy lifestyle, one you will be able to live with for the rest of your life. Portion size is the most important thing. Just think, honestly, about the plate size they bring out when you are at your favorite restaurant. That mound of food could honestly feed two or three people, but there you are, eating every bit of it. Stop it!!! Learn to listen to your body again. Do you even remember what a real hunger pang feels like?

Eat slowly. Just when you start to feel like you have had enough, then stop! Put the fork down. Get up from the table and walk away. Listen to your body. It’s telling you, “Okay, I’m done. That’s enough. We’re good to go for now.” You may be surprised to find that in 10 – 15 minutes you aren’t hungry anymore. You feel satisfied and you aren’t left with that sick, stuffed to the gills feeling.

Now if you are hungry in two or three hours again, then good, go eat something. Yes, you read that correctly. Studies have shown that eating six small meals a day is better than eating three larger meals a day. Your metabolism stays revved up, you burn more calories and you don’t get that “Oh, I’m gonna starve to death feeling”.

Very cool, right? But, be careful of what you are eating. Yep, this is the catch. This is where the big changes need to be made. Throw out that worthless white bread. Get some wholesome whole grain bread with grains you can see. Try whole-grain pasta, Low carb taco bell, and brown rice instead of white. Basically, try eating food, not this processed junk that we have been eating for so long. Americans are FAT and this is why. We are dying of preventable diseases! We can fix this! Summer is such a great time for changing your eating habits. All those fresh fruits and veggies just waiting for you to try.

When eating healthy, I don’t advocate denying yourself much of anything. Just watch the portion size. Try using a smaller plate if that helps, and avoid, avoid, avoid fast food!! If you are a chocoholic like myself, buy a bag of dark chocolate and stash it somewhere and have a piece every day. Let it melt slowly on your tongue and enjoy the heck out of it.

Also, try limiting the amount of red meat you eat or pick the leaner cuts. Fish, three times a week is great for you because of the Omega3 oils and the heart protection it gives. Chicken without the skin, lean cuts of pork, broiled, barbequed, baked, or if you have to fry, use a small amount of olive oil, or a spray of non-stick cooking spray. You need the protein to help keep the hunger at bay.

Just remember, this is the way you will eat for the rest of your life. It can be fun learning new recipes and trying them out on your spouse. When you hit your goal, you may increase the portion size, just watch your weight carefully and if you gain three or more pounds, either increase your exercise time or decrease your portion size again.

You can do this and be a happier, healthier you. Not just for the summer, but for the rest of your life.