Monthly Archives: July 2017

Trying Yoga for Back Pain? Then pick the RIGHT poses

Studies have shown that Yoga may be one of the most effective exercises for back pain relief. In fact Health-First reporter Leslie LoBue says twisting your body into those sometimes awkward positions may actually be just the thing for lower back pain.

However, as effective as Yoga may be to reduce the pain of back problems, knowing exactly what poses to use, for how long, what to offset the poses with and in what sequence to execute them, are other factors that should be taken into consideration before using it as a therapeutic relief from back pain.

I can see a reader go “Wait a minute…if I have to go through all that, then maybe I should just take some painkillers and call it a day.”

If that applies, it is hardly my intention to scare you away from Yoga for back pain, in fact I’d rather you embraced its use as an alternative to drugs-prescribed or otherwise-for your problems, however, for your success with its use, a little bit of awareness of the correct poses to use for back pain is required and will come in handy for a lasting use of this drug-free alternative.

I will go over the common, simple yet very effective poses for back pain and also give you instructions on the proper poses to offset the spinal motions when applicable. Moreover, I will discuss the factors of the duration of time needed when executing these poses as well.

Though some of these poses may best be learned under the supervision of a certified Yoga Instructor or avid expert, with the descriptions given below-and if need be, the use of image searches on related Yoga sites and search engines-
I believe you should be able to get a good concept to at least be able to practice these poses at home.
Here are some of the best poses for back ache and since the aim here is more so back pain relief versus exercising, it is not mandatory that you hold them more than 5-15 seconds, depending on your level of comfort. Moreover, a use of a yoga mat or any other soft surface is highly recommended in the execution of these asanas.

The Shoulder-stand (Savangasana)

This, folks, is a noted panacea for near any human ailment.
Don’t panic, it is extremely easy to execute, however, depending on the severity of your case, use discretion in its use.

-Spread a thick blanket on the floor and place your yoga mat on it. Lie on the back.
-Slowly raise the legs. Lift the trunk, hips and legs to a vertical position.
-Rest the elbows firmly on the floor and support the back with both hands.
-Raise the legs till they become vertical. Press the chin against the chest..
-While performing this pose, the back of the neck, the posterior part of the head and the shoulders should touch the floor. (I can assure you that you will say “Hey, I’ve done this before as a kid…this is yoga?”)
-Breathe in counts of 5-5-5 (inhalation, retention and exhalation).
-Don’t allow the body to shake.

Now for the counter poses to the Shoulder-Stand, try to incorporate the following:

Bridge Pose (Sethu Bhandasana):

From the Shoulder Stand position, stretch the legs and slowly touch the floor with the feet. It is done to bend the spine in the opposite direction.

Fish Pose (Matsyasana):

Lie on your back. Stretch the legs and keeps the hands palm down under the thighs. Raise the chest with the help of the elbows and, bending the neck as much as possible backwards, rest on the top of the head.

Suggested Duration:
Try to use the ratio below to time the execution of these three poses.
6:1:2 (meaning the fish pose is held for a third of the time spent in the shoulder stand and the bridge pose held for half the time spent in the fish pose (or a sixth of the time spent in the shoulder-stand)

Or as an alternative, you could simply forego the bridge pose and apply a 2:1 ratio (shoulder-stand to fish pose) but this is only advised if you intend to do the parent pose (the shoulder-stand) for only a few seconds.

Obviously a lot of detail has gone into the description of these poses, however, that is because my intention is for you to be well informed, but for the sake of time and space. I will briefly go over the other poses you could do well to include AFTER you try the sequence above. This is if you decide to use it by the way.

Must Know Insurance Saving Tips And Faq

Every person interested in purchasing a health insurance policy is advised to careful consider his/her decision. There are many factors that can influence any type of insurance and the Internet is probably the best place to find information about them and check out some insurance saving tips.

Insurance saving tips depend on the type of insurance you choose. For example, if you choose to purchase a house insurance policy then you should know that by installing home security systems, burglar and fire alarms you can save some money.

It is very important to know how to use the Internet in order to discover the proper insurance saving tips. Choosing a well-organized, reputable website that took some time in presenting the information is a smart thing to do and one should be concerned about every detail when it comes to insurance policies. Aside from insurance saving tips, these websites offer info about various types of coverage, available prices and how to benefit from discounts.

There are many out there confused when it comes to choosing the right insurance policy. Sometimes there is too much information to grasp and too many elaborated terms involved that some persons are quite at a loss to what is best for them. Browsing the Internet for insurance saving tips can not only shed some light on the matter of insurance but also help them make a wise decision.

A lot of people are also interested in the insurance FAQ presented on these websites. By visiting these pages and reading some frequently asked questions about diverse insurance policies, they can come to a better conclusion and choose a policy that is suitable for them.

The truth of the matter is that people really have a lot to ask about insurance policies no matter the kind. The websites presenting insurance FAQ pages are visited on a daily basis by interested customers in purchasing a policy. They want to know more about house insurance, life insurance, health insurance and other types of insurance such as: renter insurance, burial insurance and business insurance.

All these types of insurance policies have specific terms and each one of them serves different purposes. The basis of purchasing an insurance policy remains the same, that is protecting ourselves and our belongings.

The need to protect is in the human nature and it is one of the most natural things in the world. Many people visiting these insurance FAQ pages are wondering if choosing an insurance policy is the right thing to do and where to find the best policy. Of course it is a smart decision to purchase an insurance policy. One should never spend any moment marveling about this case.

Online insurance FAQ is not only helpful but also seen as a place for people to share their uncertainties when it comes to picking out an insurance policy. They ask questions, complicated or not, about various topics including available prices, benefit packages given by employers and state out the importance taking the appropriate financial decision.

Insurance FAQ as it was mentioned before are made to help the customer in distress. If he/she has any difficulty in choosing an insurance policy, the Internet is the perfect resource to understand better all the deal with the insurance industry and take a calculated decision. It is up to us to decide what is best for us but sometimes we could use a little help.

The Ins And Outs Of Life Insurance

You should know what things to look for when you are looking for life insurance. It’s important to know the resources that are out there and where you can get answers to questions you may have. The following advice will advise you on how to begin.

When making the decision to purchase life insurance, be sure that you allow yourself enough coverage. The policy should take care of costs like your home mortgage, as well as things like the future educational costs of your children.

Always be informed and make sure you are getting the coverage that you and your family need from your life insurance policy. Devote the time and effort to calculate just what your loved ones would need in the event of your death. Consider future costs such as sending your kids to college or paying off your mortgage when determining how much life insurance you need.

Careers considered to be dangerous will cause the cost of life insurance to go up. Think about giving up hobbies like bungee jumping and skydiving because it may reduce your rates. If you travel the world in areas that are considered dangerous, you may not be eligible for some discounts.

Think about getting life insurance if there are people who are supported by your financial income. Should you pass away, a life insurance policy can enable your spouse to pay off the mortgage or provide your children with a college education.

One of the most obvious ways to get cheaper life insurance is by becoming healthier. Most insurers give people who are healthier better deals because they are less prone to having a medical condition arise that can cut their life short early.

To save money when buying a life insurance plan, try to get away from paying high commissions. Commissions are payments that go to your insurance agent and are included as part of the premium you pay. Policies referred to as “no load” can be purchased directly from some insurance companies and their price isn’t inflated by commissions.

For more personalized service, consider meeting with an independent broker instead of someone at a larger firm. Independent brokers work with many different companies, meaning that your purchasing options are greatly increased. They also allow you to cost compare policies in one location, meaning that you could see a substantial savings over just looking into one company. Look at different insurance companies when buying life insurance. After all, this obligation is long term.

You can save money by choosing a more extensive coverage. Sometimes your life insurance premium may be lower if you purchase more coverage.

Before you purchase a life insurance policy, you should be sure you compare all similar policies. Some can be renewed, but one could outlast the others. Two policies might offer similar benefits, but one might be less expensive. It’s crucial that you do your research before committing to a policy.

In conclusion, life insurance can be more complicated than one would think. Although you have to ask a lot of questions and do a large amount of research, it’ll assist you and your loved ones in the end. Use what you have learned from this article to start yourself on the way to finding a policy that is right for you.

There’s help for Asthma in Yoga

Perhaps it was predestined that I should have had asthma as a kid, discover Yoga as an adult, correct my respiratory health with it and now be blessed to write about my experiences with using Yoga (amongst other things) to control my asthma symptoms.

If this is the case, then I am honored. Either way it goes, I can say with much confidence that based on my experiences, one helpful exercise for alleviating Asthma symptoms and dealing with its many inconveniences is Yoga.

Owing to its gentle poses and stretches and the deep breathing involved in Yoga, certain poses-when used correctly-can be very helpful for smoothening the chronic inflammation of the bronchial tubes (airways) that causes swelling and narrowing (constriction) of the airways as is the case in Asthma patients.

Furthermore, when using Yoga as an exercise for asthma control, one need not worry about the common exercise-induced asthma attacks that may come as a result of vigorous activity as these poses are very calm and involve very little motion…hey, it’s Yoga after all.

Now, friends, based on my experiences and several studies that support these facts, the following poses can be a powerful add-on therapy to reduce the frequency and intensity of asthma attacks as well as to decrease medication use.

The Shoulder Stand & It’s Counter Poses for Asthma.

Inversion poses in yoga drain excess mucus from the lungs and balance the immune system. Now, let me introduce you to perhaps the simplest of these poses, the shoulder stand pose.

Although the Shoulder-Stand has been coined by several Yoga sages as a near panacea or cure-all, as far as Asthma is concerned, it is indeed very helpful in regards to relieving excess encumbrances in the respiratory organs and owing to its deep breathing, it increases the lung’s airflow, capacity, stamina and efficiency.

Here comes the best part, its counter poses. You see, some yoga poses, owing to the execution of them that is, have to be offset by a pose in an opposite spinal direction (another subject, but hopefully you get the gist).

Now friends, this Shoulder-stand pose has 2 main counter-poses: the Bridge and the Fish Poses. (No worries they are very simple to perform.) Both of these poses are back bending postures that open up the chest improving both lung and heart functioning.

As a matter of fact, the very last pose (the fish pose) is one of the specific poses mentioned by Sri Swami Devananda and IBS Iyengar (two of the most authoritative figures in modern day yoga) as being specifically useful for removing spasms from the bronchial tubes and thus relieving Asthma.

Other Helpful Poses:

There are other poses such as the forward bends which you can practice specifically if it is more difficult to inhale. These include the Head-knee Pose (Passchimothanasa) and it basically involves grabbing your toes, ankles or feet with the head lowered as far as possible to touch the knees.

Now, friends, remember I mentioned counter-poses right? Well, for this particular pose, its counter-poses basically are backward bending poses that include the Incline Pose and Bow Pose.

Both of these (especially the latter) open up the chest and should be practiced to aid with exhaling during asthma attacks.

Last, but not least is the simple, yet extremely effective Relaxation Pose.

Yes, you guessed it right, just simply lie flat on your back and breathe in a controlled and rhythmic pattern. By practicing rhythmic, controlled breathing techniques daily, the respiratory muscles and lungs develop the ability to breathe more slowly all the time, meaning less stress on the airways in general.

In addition to these poses, let me briefly mention the ‘Bellow’s breath exercise’ (a yoga breathing exercise) as this helps tremendously. As the name may suggest, it involves purposely pumping the stomach in an inward motion and exhaling through the nose simultaneously in controlled movements. This removes spasms and tones up the respiratory system significantly.

At this point, it must be mentioned that Yoga does call for a healthy diet in its use and
as a physical and spiritual system; it does call for a mostly vegetarian diet.

Friends, for asthma problems, you may want to strongly consider this as giving up all processed foods and animal products such as meat, milk, eggs and the like from your diet is a must and a fact that has been in effect in several programs aimed at correcting respiratory health such as the “Breath Retaining Program For Asthmatics” developed by the Russian, Dr. Buteyko. Within weeks of adhering to this advice, many a chronic asthmatic has been able to give up the use of ventolin inhalers.

So the next time asthma sends you to the doctor, you may do well to ask for a new prescription for asthma treatment-Yoga. I believe it won’t hurt and possibly could help you immensely.

The Relation Between Yoga and Tennis

The elasticity of the muscles is essential particularly for the player of tennis because it needs the cat-like reflexes with glares of the force. However it does not mean that you must stretch your muscles as an any manner that you want because inaccurate drawing can make your muscles tight and can lose elasticity. Thus, you must know what are the suitable manners to make it make; the execution of the exercise of yoga can help you on that.

The use of the strategies of yoga for athletes of tennis returns recycling their muscles realizable. They can employ yoga to form their bodies to make slacken their muscles of the tension of muscle and the study to begin the your play in best to slacken the state could mean than you let yourselves prepare in a play well-drawn bar.

When in prepared position, of the muscles are contracted and prepare for the play. To move, of the muscles must be slackened, then contracted again to spout out in any direction. By recycling the muscles you start starting from a slackened state, providing a reaction time activated.

The technique of breathing of exercises of yoga can help to develop strength and resistance. By assigning time in the exercise or the sports, we hold usually the breath like medium to develop the force. Yoga forms the body to develop the force by the ordering of breathing. To hold the breath with the points of effort takes an enormous business of energy which could be used during long sets or matches.

To make an installation of yoga is simply simple so only you know the correct strategy. Example, during the execution of an installation, there is a need to exhale until you can feel the muscles. It is important to remember, breath must never not be held. You owe breath in the normal and to listen to your body. Make a 30-second taken and then release your installation carefully. By establishing a constant practice for correct installations of yoga, you can thereafter apply techniques of breathing in your daily routine.

A simple torsion of spine is excellent for sports of rotation. It can help to increase the flexibility necessary of the shoulders and the back and the hips. Recall you to apply the technique of breathing to this installation.

For sports of rotation, a torsion right of spine is ideal because it can help to increase flexibility necessary for the shoulder, the hips and the back. However, you must motionless apply techniques of breathing to do this correctly. You can start the torsion of spine by putting back on the floor with right legs outside before you. By folding the left leg and by putting the left foot on the outside of the right knee, you can maintain the spine right.

Exhale slowly while turning the higher body towards the left, while looking above the left shoulder. The pressure of the right arm should maintain the leg left stationary while the pressure of the arm and the chest lefts gives you torsion. A stronger use of the two arms increases torsion. Hold this installation during 30 seconds and repeat the torsion on the opposite side.

The total routine of treatment and flexibility of a body is essential for the avid player of tennis. The techniques of yoga could be the edge which you have requirement by developing your play.

Using Yoga For Weight Loss

Yoga can be put to good use for taking off excess pounds through the power of creating a state of mental and physical well being. The basic tenets of Yoga promotes a healthy lifestyle and when combined with a calorie reduction can help to speed up your weight loss. It will increase your metabolism by increasing the caloric burning process. All weight loss is based on using more calories than you take in. It will also allow you to increase your ability to concentrate and focus.

Your thyroid regulates your metabolism and is responsible for the chemical processes that transform food into energy. Yoga uses a series of twisting poses that will help to stimulate the work flow of the internal organs. This will cause your metabolism to increase and burn more calories which will eventually cause you to have a lower body weight. Another side effect is that it will help to improve your circulation and increase your energy level.

The various back bends combined with the forward bends will help to stimulate the metabolism. The poses that affect the neck region can be helpful in stimulating the thyroid if the weight problem is caused by a hormonal imbalance. Poses that will help the most for this include the camel, rabbit, plow, bridge and head stand. Going quickly between the various poses can help to accelerate the weght loss. Beware though that those seriously overweight may find some of these poses extremely difficult and should start slowly with the easier poses and add others as they become more confident in the easier ones.

You can use standing poses to increase muscle strengthening such as the warrior. These will help to create higher endurance and increase your caloric usage.

Remember that a gradual approach is best with all Yoga practices. The long term effects on your weight loss regime will become evident and even more so the inner peace and general well feeling that Yoga will promote within you.

Common Myths About Whole Life Insurance

Life insurance is necessary. However, most individuals do not carry enough of it. The idea behind life insurance is that we all die. If your spouse dies prematurely, a life insurance policy will make sure that there is enough income to make your family whole for the financial loss you’ve suffered. Pretty much every adviser agrees having life insurance is a good thing.

This is where the agreement between financial professionals ends abruptly, because the next question that arises is: OK, so what kind of life insurance should people buy? The debate between which is better – term or cash value/permanent life insurance – is seemingly a “never ending battle”. For many various reasons, many investment houses, stock brokers, mutual fund managers (and the agents who sell their funds), as well as many popular financial “gurus” like Suze Orman, Ric Edleman, and Dave Ramsey presumably (according to their many published books and comments on national radio and television) hate whole life insurance.

Some financial advisors love cash value insurance, others hate it. Who’s right? Who’s wrong?

It’s surprising that the financial industry is supposed to be the educator. I say that only because many of the financial advisors in my industry seem to be more concerned about what the next “hot” mutual fund is…or manipulating interest rate returns, eliminating or disguising fees and disregarding suitability with respect to their clients.

In truth, neither the insurance industry nor the investment industry is doing a very good job of defending their respective positions. Point Blank: Financial “gurus” are leaving out critical information. Either they do not have a very good grasp of how life insurance really works, or they are outright lying. Either scenario is totally unacceptable.

Their motives for deception can be numerous, and diverse. Now, there isn’t anything wrong with pointing out the flaws in a financial product, as long as it can be done objectively. However, in the case of life insurance, the attacks being made are baseless and unsound. This is especially shocking because most, if not all, of these attacks are coming from high profile, well known financial professionals. Here are a few common lies, attacks, & misconceptions:

Lie Number One:

Don’t waste your money on cash value insurance. It is a complete waste of money because the insurance company collects premiums from you for 20 years and then when you die you only get the death benefit. They keep all of your cash and your family gets ripped off. Besides, you could make more money by buying term and investing the difference.

Fact: About 1% of all term policies pay a claim. So, your family has (roughly) a 1% chance that they will benefit from that term policy. Term insurance is cheap – IF you are only considering the cost per thousand dollars of insurance. It is guaranteed to get more expensive as time goes on (and you will see this if your policy gets repriced). Life insurance companies are not dumb. They know they can collect premiums from term life and make a killing because the turnover rate is high (people drop their policies before the term is up) or the policy owner simply doesn’t die before the term is up. Life insurance companies are in the business to make money and provide a product. You have to understand how they position their products and how they make money.

Insurance companies use the Law of Large Numbers. They sample a group of people (similar age, height, weight, etc.). The larger the group of people they insure, the more accurate they are about the number of losses they will see.

For example, if we were to start an insurance company and we only had one customer, we would be taking on an incredible risk because of the nature of life insurance, if that one person dies, we could be out of business very quickly (imagine that one customer giving you $20 for a $250,000 death benefit and then dying the very next day). If, however, we have a million customers, then we can better control the risks we are taking by insuring other people’s lives. No one can predict when an individual will die, but if we study a large enough group of people, we can make surprisingly accurate predictions about the number of individuals within that group that will die in any given year. Given that insurance companies have an excellent record of predicting deaths every year, what do all of the statistics say?

Term insurance just doesn’t pay, at least not for policy owners. That’s because most people live to age 65. Term is expensive long-term. Permanent is a good deal long-term. A few critics will still say “no Dave, term is cheaper – always cheaper”. Oh yeah? Watch this:

Let’s look at a male, age 25 and in good health with a wife and a child. In fact, let’s call him Jim (again *cheesy grin*) finds that he needs life insurance He needs $250,000 in life insurance. A 30-year term policy should cost Jim about $370 per year until he reaches age fifty-five. After that, the premiums become unaffordable (as is the case with all term insurance) at $4,700 per year.