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When To Use Punctuation

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What should I eat? When should I eat it? And when’s the best time to work out? Should I hit the gym when I wake up in the morning, during lunch hour, or late afternoon? Everyone has a different opinion, whether they are an entrepreneur, a freelance photographer, a school teacher or a diehard fitness freak. So HCM took the query to the training professionals to get their take on the problem.

Dr. JoAnn Dahlkoetter, author of Your Performing Edge and member of the medical staff at Stanford says, “The best time of day to exercise is first thing in the morning. You lower your stress and increase your metabolic level. If you wait until later in the day you may put the workout off and not do it at all.” (Website for helpful articles and success tips: www.YourPerformingEdge.com.)

Dr. Yariv Rothman, a Venice, California chiropractor also prefers the A.M. workout. “A morning workout can be very helpful, especially if you’re shedding those extra pounds post pizza night.” Cardiovascular exercise or circuit training in the AM stimulates the endocrine system, releasing endorphins and enhancing mood. Dr. Rothman says, “My patients who work out in the early morning report that they have more energy throughout the day and deal with stressful situations at work better.”

Guy Grundy, Mr. Australia, is a morning person, too. He says, “By training first thing in the morning you are able to take advantage of certain factors. You release more growth hormones (GH) at this time due to the low blood sugar levels. The more GH you release the better.”

If you are looking to gain bulk or become more lean, your meals will be a little different. To bulk up, Mr. Australia suggests, “A high protein, high carb snack is great before the workout as you will have additional nutrients in your system while you are training.” Dr. Dahlkoetter suggests a sports bar or a bowl of oatmeal.

If you are looking to drop body fat Guy Grundy offers a suggestion before pumping weights, “Go with a shake. It’s easy to digest and will ensure you have enough protein in your system while you train.” Remember, if your body is low on carbs it will use protein as an energy source.

Grundy says, “I always make sure I have a little more protein in each meal as I like to stay lean and therefore eat less carbs. I build muscle and drop more body fat with this method.”

The most important meal is the one immediately following your workout. You should look to get between 25-50% of your daily carbohydrate intake. And the amount of carbs needed during a post workout meal varies between people. Guy Grundy says, “My favorite is egg whites, flank steak, and three blueberry and banana multigrain pancakes.”

There’s a good reason for all these carbs. After a workout your body has depleted its carbohydrate reserves. Your body is releasing more insulin, sending needed carbs back into the muscles. These calories and nutrients absorbed during post-workout meals are directed into the worn muscle mass which leads to a better gain in muscle and cell growth.

Guy Grundy says, “Using creatine with your post workout meal and a high amount of water will provide even better results.”

Dr. Rothman says, “Your body needs refueling as well as protein, which is necessary for muscle repair.” He suggests a turkey sandwich or a few scrambled eggs with fruit.

There is a downside to the morning workout. Since muscles are still asleep from a long night’s rest, they need some waking up before strenuous exercise. Spend a few minutes warming up. This could be five minutes on the stationary bicycle and stretching exercises, which will avoid unnecessary strain on muscles and ligaments.

Ryan Kravetz, a Bally Total Fitness trainer and former Team USA ice hockey forward, knows a morning workout gets the metabolism going, but he has practical concerns. “The crowd hits the gym in the early morning and late afternoon.” This is the time when people have to wait to do their bench presses or leg lifts. “The equipment is available without a wait during midday,” says Kravetz.

Not everyone can jump out of bed in the morning and pump iron. There is a school of thought that agrees with Kravetz, but for a different reason. Led by Dr. Phyllis Zee of Northwestern University, this group cites a good explanation for the P.M. exercise. Muscle strength is at its peak, and people are most alert. Therefore, athletes are less apt to injure themselves.

There’s some science to back this opinion, too. It has to do with circadian rhythms, our internal biological clocks. These rhythms time our sleep, wakefulness, and body temperature. During the afternoon our internal clocks have increased our body temperature by one to two degrees. Consequently, muscles are more supple lowering the risk to injury. For most people this happens between 2:00-4:00 P.M.

Exercise before bedtime is frowned upon. According to Dr. Dahlkoetter, sports psychologist, “If you exercise at night, you will become dehydrated and have more difficulty sleeping.” A workout before bedtime will keep you up. Sure, you’ll be wide awake for Letterman or Leno, but you’ll have trouble waking up for that early morning appointment.

Maybe it’s an A.M. workout you prefer to start the day with an energy boost. Or a P.M. workout suits you best when your muscles are warm and you need to relieve some stress. Take your pick. Choose one and stick with it. And remember to eat smart before and after you exercise. Maintaining a regular workout schedule with an appropriate diet could extend your life and definitely improve your mental and physical health.

When To Use Punctuation

Interest rates are not the only thing that matter when it comes to refinancing. There are costs involved in refinancing and if someone tells you there are no closing costs, you better beware. The fact of the matter is that NO ONE does loans for free. Instead what they are doing is putting points on ?the back?. This is also called yield spread premium. How it works is as follows. The broker goes to a lender or investors and states three criteria for each borrower. The criteria being?

Credit Score

Debt to income ratio

Loan to value

The Lender or investor then tells the broker that 6% (for example) is Par. (Par is with no points on the back or Yield spread premium.) The broker then sells the borrower a 6.5% rate and the lender pays the broker a Point (1%) directly for selling the higher rate. Be aware of lenders with little or no closing costs because it will cost you a lot more in the long run if you get sold a higher rate.

Paying off Credit card debt is another thing to consider when your thinking about refinancing. Deciding whether or not to roll revolving debt into a refinance is pretty easy. For instance, If you have a credit card that has a $2000 dollar balance and you have enough disposable income to pay it off in six months to a year, then you might not want to spread that out over a 30 year loan. If you are making only the minimum payments on your credit cards, then you definitely want to roll that debt into your new mortgage. Paying the monthly minimums will take forever anyway so you might as well be paying six to eight percent interest rate on that debt rather than ten to twenty percent.

The was an old rule that said interest rates should drop 2 points before it would call for you to refinance your home loan. But that rule does not always apply. sometimes as little as a point might save you a ton of money. Assuming your want to and will plan to stay in your house five to seven years longer. If you have a home loan of $150,000 at a rate of 8.5%, a new mortgage with a rate of 8% could save around and roughly $50 a month. That's $60 a year and $2500 over the next five to seven years. If you invested some of that money every week into a savings account or a CD your savings might be greater. Before you refinance your home in Portland you should talk with a local Portland mortgage broker or consultant and be sure to shop around. The more you shop the better savings you will find. Especially in this market where local Portland lenders are competing for your business. The brokers are starving and that means cutting there commissions to get the deal. Use this volatile market to your advantage and be sure to always get a second opinion on your home loan.

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Both Dane Fletcher & W Stickels are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Dane Fletcher has sinced written about articles on various topics from Detoxification, Body Building and Health. Dane Fletcher is THE Training Authority and writes exclusively fro SteroidPimp.com, a leading provider of weightlifting supplements and alternatices to anabolic steroids. For more information please visit. Dane Fletcher's top article generates over 301000 views. to your Favourites.

W Stickels has sinced written about articles on various topics from Flat Stomach, Home Improvement and Franchise. If you would like to find out more about or find a. W Stickels's top article generates over 1900 views. to your Favourites.

Cash Advance With No Faxing
There is an attentively thing is that all borrowers need to repay the on due date for escaping from additional charge of interest