05 FebPaying for your policy

Looking around the US economy right now. Homes have been foreclosed, bankruptcy looms on private debts and the retirement 401ks have taken a serious hit. Life as we knew it has been turned upside down without anything in place to catch us as we fell. So how did we get into this mess? The economists tell us we have been living beyond our means. Credit was cheap and, with banks and credit card companies raising their borrowing limits, there seemed to be nothing we could not afford. There was no need for savings. Everything could be charged. If the limit was reached, the housing equity could be released as cash. Over a period of about twenty years, we switched from a country that saves to a country that spends on credit. In the period just after World War II, we had “prudence”. People mostly paid cash for what they wanted and, if they did not have enough, they saved. It was a revolution when, suddenly, everything could be paid for in affordable monthly instalments. In one sense, this is the easiest way to get into serious debt without noticing. When you only pay a few hundred dollars every month, it hardly registers the total debt is tens of thousands.

Insurance companies were the last of the hold-outs. For years, they insisted everyone should pay them a lump sum once a year. Then, slowly, there was a cave. First it slipped to every six months, then quarterly. Now almost every company across the nation accepts monthly. What’s the problem for the insurance companies? Well, they estimate the likely total cost of the claims they will have to pay over the next twelve months and divide that amount between all the policy holders as the premium. If the company has done its sums properly and everyone pays once a year, the company always has the cash in the bank to pay out on all the claims. If people pay monthly, they can easily change to another insurer. They can miss one month’s payment when the family budget is under pressure. That means the insurer may not have enough money to pay the claims. So, to encourage all you people with some savings (or some slack on your credit cards), they offer discounts if you agree to pay every six or twelve months. It gives them more security and saves you some money. Paying monthly costs you the most.

That said, paying monthly gives you flexibility. You can use the online search engines to find auto insurance quotes at the lowest price. Then for just one month’s premium, you can be driving. In effect, this becomes a monthly policy. You can keep shopping around for new premium offers from different insurers. If you find a better monthly rate, you can transfer at the end of the month. But if you pay once or twice a year, the insurer will hit you with high cancellation charges to lock you in. Whatever you might save disappears. Worse, if you change the make and model of your vehicle during the longer policy term, it can be too expensive to move the policy to a cheaper company. You end up paying the higher premium until the six or twelve months end. So make a wise decision. Auto insurance is never cheap. Avoid making it too expensive.

27 MayDoes Muscle Memory Occur?



The concept of muscle memory is controversial. Most bodybuilders have experienced this phenomenon, yet virtually no discussions of this topic have appeared in scientific and athletic publications. Although there is some speculation herein, these ideas are sure to help you better understand your body’s response to training after a layoff.

Before you know it, a month has gone by. Two months. Six months. I’ll get back to it sometime soon, you keep saying. You’re finally ready – a year later.

Don’t worry. Life can get in the way of even the most dedicated bodybuilder’s workouts. Be glad that you’re ready to commit to consistent training again. For those of you who haven’t attempted a small comeback before, here’s good news.

Gaining muscle size seems to be easier the second time around – even if you starting from the same place. That’s right. It appears that your muscles can reach their former size (their size when you stopped working out) in a much shorter time than it took to achieve that size that first time you trained.

If you’re an experienced bodybuilder who has returned to square one more times than you wish to remember, you probably know exactly what I mean. In fact, even many scientists and coaches are convinced this phenomenon occurs – having witnessed first hand. No one has a clue how this happens. Why should you pack on muscle size quicker when ‘retraining?’ It just doesn’t make sense.

With so many athletes and others observing this mystery of the iron game, some plausible explanation must exist. I’ll describe some possible reasons why your muscle may appear to have a memory. While understanding that the following ideas might help you make a comeback, keep in mind that these are just good guesses – not dogma.

Mind Games

Certainly, we can’t overlook the possibility that muscle memory doesn’t really occur at all. In other words, it’s completely possible that these changes have nothing to do with muscular adaptation. Then why do muscles seem to progress faster during a comeback? Well, it could all be in your head. Here’s what I mean.

The first time you trained consistently, you were probably a bit hesitant with the weights. You weren’t too sure how your muscles would respond and most importantly, you didn’t have a good idea how much weight you could lift. So you were cautious when it came to big weight increases – at least until you felt you could handle the heavier weight safely.

When making a comeback, that initial fear is gone. You know you can handle heavier and heavier weights because you’ve done it before. You probably expect to attain your former strength soon, anyway. For these reasons, you are more likely to add weight to the bar at a faster rate – pushing yourself as never before. Of course, this progressive overload will lead to quicker gains in strength and size.

The Nerve of those Muscle Cells

Perhaps the most likely explanation of muscle memory involves the neurons (nerve cells) that stimulate your muscles. These neurons tell all the muscle fibers (muscle cells) they innervate to contract. But, depending on the amount of weight being lifted, only a small percentage of neurons innervating a particular muscle may be recruited to stimulate their fibers. More weight on the bar – more neurons involved and more fibers stimulated. Simple enough, right?

Here’s something really interesting. Even during maximal voluntary contraction (attempting your max on any lift), you’re still not recruiting all the muscle fibers in your working muscles. In fact, it is this discrepancy between the percentage of fibers we normally recruit and what we theoretically can recruit (100%) that may account for those rare, but documented feats of superhuman strength.

What has that got to do with muscle memory? Well, one way your muscles may adapt to the stresses of consistent training is to increase over the long run the total percentage of fibers recruited during maximal and near-maximal lifts. Here’s the possible scenario:

The first time you trained, you recruited a certain percentage of muscle fibers during maximal lifts. As you trained more and more, this percentage increased. Then you stopped working out. When making a comeback, this ability to recruit a greater percentage of muscle fibers remains intact. Therefore, you’re starting with a capacity to develop more force within a muscle (since more fibers can be activated). Compared to the first time you trained, you’re one step ahead.

If you can develop more maximal force, then you can lift more weight – you’re a bit stronger. Although you may think you’re starting from the same place, this greater strength will enable you to progress faster, resulting in an ability to regain muscle size at a quicker pace.

The second way that neurons may be involved in muscle memory deals with skill development. When you start working out, your muscles interpret most of the lifts as new movements. So your neurons must develop the appropriate pattern of stimulation to get the weight up. Remember how shaky the bar was the first time you tried the bench press?

Fibers must be activated in just the right sequence to perform complex movements like the bench or the squat. And learning a new skill (just like trying to swing a golf club, etc.) may take quite a long time. The first time around, it may have taken you weeks to feel steady on the bench. Now those neural patterns have been developed and though they may be rusty, they can return very quickly after a layoff. What may be happening here is that after you stop working out you lose some of those neural patterns. When you work out again the neurological changes come faster. This accelerated restoration of neurological control will enable you to stimulate your muscles more efficiently, eventually causing the leveling off you reach in muscle strength and hypertrophy to be higher. You may be stronger and bigger when the neural patterning is done the second time around.

Muscular Adaptations

Another possible explanation of muscle memory concerns certain changes in your muscles that regular training may produce. Your muscles may adapt in two ways that could translate into faster gains during retraining. First, you may be able to increase the capillary bed surrounding muscle cells, creating a greater blood supply to the working muscle. If this happens, and many scientists believe it does, you would then be able to enhance the nutrient (glucose, branch-chain amino acids, etc.) availability to the muscle cell. Also, you might remove the waste products of repeated muscular work and energy production (lactic acid, heat hydrogen ions, etc.) at a faster rate. Since these waste products can limit performance, with the increased capillary bed, you would be in a position to train harder and longer.

Either or both of these situations would probably enable you to create a more effective muscular stimulus. This is the key in terms of muscle memory. These positive changes from an enhanced blood supply would be restored soon after a comeback since the capillary beds would quickly reopen. Thus you would have the advantage of a greater muscular stimulus from the start of retraining. This would lead to a greater adaptation – stronger and bigger muscles – and give the illusion of muscle memory.

Second, the enzymes that are involved in important bio-chemical reactions may be responsible for muscle memory. For example, we know that enzymes in reactions leading to the storage of glycogen (your energy source during anaerobic work) can be enhanced with training. It is plausible that enzymes involved in protein synthesis may increase in concentration and activity following repeated muscular stimuli and damage. It may actually be those enzymes that have a memory, quickly returning to their former increased concentrations and turning on these processes earlier. If this occurred, you’d be able to work out harder, possibly recover faster, and gained muscle mass more quickly than when you first trained.



Sandra Prior runs her own bodybuilding website. http://bodybuild.rr.nu.

18 MarYour Most Pressing Post-Pregnancy Questions Answered

Will I ever feel like my old self again?

The time following pregnancy and childbirth is a trying one. A lot of mothers can attest to falling into some form of post-partum depression, milder in some, more severe in others. This mostly comes from the feeling that you won’t be able to recover from the whole experience. It is indeed difficult to imagine yourself doing your usual activities when you are sore from the childbirth, you have perineum stitches, you have a fragile little baby who seems to need you every minute, you are sweating all over, your stomach is sagging, your breasts are sore, and your tummy is full of stretch marks. But hang in there. Keep your mind focused on this thought: this stage doesn’t last forever. The answer, therefore, is yes, you will regain your old self. It just takes some time. Don’t be too hard on yourself; give yourself time. Most new mothers take months to regain their momentum.

Will my tummy flatten out again?

The answer is that it depends on what you do about it. Don’t worry; your tummy won’t stay the way it looked when you got out of the hospital. After giving birth, your stomach will look like it used to when you were six months pregnant. During the first couple of weeks, however, your uterus will start going back to its original size so you will see a significant reduction in your waistline measurement. However, it takes the uterus around six weeks to fully reduce in size, so expect more reductions within the first six weeks. Feel free to start exercising to help speed up the process though. After six weeks, if you still have a sagging stomach, the rest is up to you. Doing muscle-toning exercises focused on the abdominal area will do the trick, if you have the discipline and patience to go through with it. One tip, though: exercise and try your best to tone your stomach. It will do wonders for your self-esteem, and when you regain your confidence, it will be easier for you to completely bounce back from the difficult experience you’ve just been through.

Will my stretch marks ever disappear?

Yes, stretch marks fade over time, but there is no general rule as to how long the process takes. For most women, stretch marks fade in just a few months postpartum, while in others, the process could take a year or so. While you wait, just try not to worry about it too much. You can also try using creams or lotions that are said to help remove stretch marks; there are some products that are actually effective in lightening up those pregnancy marks. If they don’t work fast, you’ll still feel better if you know that you’re doing something about the problem than just frowning at the mirror.

Can I regain my pre-pregnancy weight?

Yes, many women have proven that this is possible, although majority of women don’t succeed. The answer, of course, lies in you. Although you will lose a significant amount of pregnancy weight during the first weeks postpartum, you will retain at least a portion of the weight you put on. As your body goes back to its normal state and as you resume your old eating habits, your weight will re-develop a life of its own; that is, separate from your pregnancy. Wait at least one month to let the pregnancy weight shed off on its own. If you still have a lot of unwanted fat to deal with after that, then it’s time to take matters into your own hands. Enrolling in a gym (if you have time) or doing home workouts will help you achieve your postpartum weight goals.

 

04 MarWhat Should I Do Now to Protect Myself in Case of Income Loss?

Job loss protection


Many Americans are in a dire financial situation – companies are laying off thousands of employees, jobless rates continue to climb, and those out of a job are faced with finding the means to support their families. Most pressingly, homeowners must continue to pay on their mortgage and avoid losing their home in foreclosure.

If you are currently working, count yourself lucky. Though the present can give us false confidence in our ability to meet financial obligations for the unforeseeable future, anything can happen. Even tomorrow you may be faced with the real possibility of job loss. What can you do now to help protect your income if that happens?

Income Protection Insurance

Income protection insurance has been in existence for a long time. In its most popular form, income replacement is called ‘disability’ insurance, which helps replace income for those who are injured and unable to work.

There are insurance companies that will sell unemployment income protection policies, however. You can choose a policy that will start replacing a portion of your income, usually about 1/2 or 2/3 of your normal monthly earnings, approximately one month after you become unemployed. Rates can be high for this insurance, but the money you receive while unemployed can save your home and support your family while you find other work.

Mortgage Protection

Many companies offer mortgage protection insurance. This type of insurance will continue to pay your mortgage or a portion of your mortgage should you become disabled and unable to work or become unemployed. Though most mortgage protection insurance policies pay your full mortgage upon your untimely death, there are policies available that will simply take over payments if you become financially unable to do so.

Savings

Of course, you should have an emergency savings account with at least three to six months of living expenses available. If you suddenly lose your job, you will need this savings account to continue paying your mortgage and supporting your family. If you do not have an emergency savings account, set one up today and begin contributing funds into it as soon as possible.

Annuity

Another form of income protection is an annuity. Annuities are a type of investment option, usually through insurance companies, where you pay a lump sum or a monthly amount into the annuity, and at an agreed time, the insurance company begins paying you a regular monthly income. The payments to you are based on the interest returns on your money and how long you wish to receive payments. If you have a lump sum of money that you can afford to put into an annuity, the returns can be greater than leaving the money in a small interest-bearing savings account.

Protecting your income due to unforeseen events should be a high priority for everyone. Start planning today to save or buy insurance or an annuity so that you will have income if you are out of work for any reason.

This article is intended for general information. Always seek sound financial and legal advice before making any financial decision.



Helpful mortgage information at Online-Home-Mortgage.net P. Payne works for OHM Mortgage and Foreclosure Information Site providing answers to all those questions people need to know.