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Brighton’s Natural Health Club
www.OceansWellbeing.com
Is Club Alto in London near Conduit Street, 10 points UK?
What roads is that club near to? Is it near Oxford Street?
What buses run near it?
Exercise at Christmas Without the Gym
by: Janice Elizabeth Small
Gyms get pretty deserted around Christmas time. Everyone is so busy with preparations, parties and people visiting that it’s hard to fit in getting there, getting changed and going through a routine as regularly as you might the rest of the year.
But don’t give up on exercise completely – you’ll find it far harder to get back in the swing of things if you do. Make exercise part of the fun and keep yourself ticking over until it’s time to get back to the gym in January. Maybe you’ll enjoy the alternatives so much you’ll never go back!
1. Do less
Just do ten minutes if that’s all you can manage. Ten minutes of anything – walking around the house or stair stepping or skipping or rebounding – anything that fits your level of fitness and the equipment you have available at home. You can do it in the morning before your shower and it will energise you for everything you have to get done. If you can fit in 10 minutes later on too, so much the better. You’ll keep up your fitness levels and use a few calories which you can probably do with at this time of year.
2. Do a class at home
Fitness videos are great if you don’t have much time. There’s no getting to the gym – you have everything you need right at home. You can pick them up for next to nothing from charity shops or treat yourself to one or two for Christmas. And it doesn’t matter if you don’t know the moves or have the latest fitness gear – nobody’s watching!
3. Clear Up
No doubt you have to get your home ready for friends and family visiting anyway so make the clear up a workout. Put lots of energy into it! Clear out all that clutter then clean, vacuum and polish everything until it gleams. You’ll be ready for guests, keep up your fitness levels and use some calories all at the same time.
4. Active fun
If you have a lot of guests and can’t get your usual exercise fix organise some active fun for everyone! You could all go bowling or skating. Or try a game of charades or Twister. If it snows, you can go sledging or organise a snowman building competition. At the very least get them all out for a walk every day whatever the weather. There are sure to be some lights to go and see or a local carol service to attend.
5. Dance the Night Away
Don’t be a wallflower. Take every opportunity to dance at parties (it will keep you away from the buffet table too) or just invite your partner to go dancing over the holidays. You’ll have fun, get closer and it’ll be great exercise. Dancing uses up between 270 and 540 calories an hour depending on the speed.
6. Offer a helping hand
Get active by volunteering your services in your community. You can help serve lunch at a homeless shelter or old people’s home. Or just help your neighbours with running errands and snow clearing. You’ll get a warm glow from lending a hand as well as from the exercise and feel much better than you do after sitting around all afternoon watching the re-runs of “White Christmas”.
7. Escape
And if all else fails, next year book a skiing holiday for your Christmas break instead of staying at home. There’s a whole year to save up (and to dodge the rows when you tell your family you’re going away next year!) Skiing is fantastic exercise and you’ll come back fit, invigorated and without those extra few pounds so many seem to acquire over Christmas.
About The Author
Copyright 2005, Janice Elizabeth Small
Janice Elizabeth is a weight loss coach and author of “The Diet Exit Plan”. Get her FREE ezine “No More Diets” and 24 page special report “How to have a Great Christmas without piling on the pounds” at http://www.SimplySlimming.com/Christmas TODAY!
So many people want to have a life insurance policy in place for the financial protection of the family they leave behind but are unable to have a standard term life insurance or whole life insurance policy due to pre-existing medical conditions.
There are also people who put off the purchase of such a policy if they suspect they may have a medical condition or just don’t have the time to visit the doctor and have the lab tests required. Fortunately for these individuals, they can now purchase a policy for term life insurance no medical exam necessary.
You can easily go online to request a term life insurance quote. No medical exam quotes simply involve answering a few health related questions. The quotes you receive from different insurance providers are free and no agents will contact you unless you request that they do so. You are not under any obligation to accept any of the quotes, which is why you can request as many as you wish to do a comparison of the rates charged and the coverage included in the various policies.
The answers you provide to the insurance companies are used to determine your cost in purchasing term life insurance. No medical exam insurance policies are more costly than standard term life policies. You cannot assume that because your neighbor purchased a policy for a specific amount, you will receive the same quote when you submit a request. The factors that determine the premiums include your age, gender, weight and height, your use of tobacco products and whether or not you do have a pre-existing medical condition that falls under the scope of a life insurance policy.
The younger you are when you purchase term life insurance, with or without a medical exam, the cheaper the policy will be. Females also receive cheaper rates than males in all age categories. This is because of the statistics that show that older people are more likely to have medical conditions leading to death and that women tend to live longer than men. Your weight and height are used to determine whether or not you are overweight, which can also cause medical problems in the future.
The terms available for term life insurance without medical exam range from 10 to 30 years. Most insurance providers, however, will not sell a policy of this nature to a person over the age of 65. This means that if you are in your forties when you take out such a policy, you will not be able to have a term longer than 20 years. After you reach the maximum age allowed by the insurance company, then you will not have term life insurance, but you may be able to purchase a policy that covers funeral expenses.
Whether or not you smoke or have smoked in the past few years will also affect the cost of term life insurance. Without medical exam the insurance company has no way of knowing if you already have a medical condition because of your use of tobacco products. If you do smoke, you will pay a higher premium than a person who does not have such a habit.
The rates that insurance companies charge for term life insurance rates with no medical exam are based on the statistics they collect to help them determine the risk factors involved. They use the information you provide to determine how long you may live. If they suspect that you will die before the end of the term, then the rate you have to pay will be higher than if they expect you to live long past this term.
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