How to Avoid Happy-Hour Weight Gain

Posted by dasfseegdse Rabu, 08 Januari 2014 0 komentar
   Most of us share a love-hate relationship with the 'happy hour'. While it saves us money, it ruins a whole day of eating right with crazy-high calories and weakened willpower. But let's face the truth. Binge drinking isn't the only culprit. What is often ignored is the quantity of accompaniments like fried peanuts, cashews, cheese cubes and potato chips - we devour along with alcohol.


happy hour

   "Alcohol can take away the inhibitions and make the part of the brain, called prefrontal cortex, fuzzy. Thus, the choice of food and quantity we consume, all go for a toss. Moreover, it can screw up the drinker's perception of hunger and satiety. Food overload coupled with uncompensated calories of alcohol, burdens our body with loads of calories," says weight management experts. Besides, in men, alcohol also causes cortisol (stress-inducing hormone) to shoot up and testosterone to decline. The combination of all this makes the drinker fat.

CALORIE METER
  • One bottle of light beer                        110 calories
  • 50 ml of Gin                                          121 calories
  • 50 ml of Vodka                                     120 calories
  • Wine bottle (750 ml)                             700 calories
  • 175 ml of Champagne                          133 calories
  • One shot of hard alcohol                        78 calories
  • One serving of Martini                          140 calories
  • One serving of Cosmopolitan               200 calories
  • One serving of Daiquiri                         122 calories
  • A pint of sweet Cider                             220 calories

Have you ever wondered why your friend doesn't gain a kilo in spite of drinking often while you expand just watching that glass filled with beer? "The differentiator for weight gains while eating the same amount of food is what we call 'Basic Metabolic Rate' or BMR. A particular food or activity may result in weight/calorie gain or loss for one person and not necessarily for another. For example, a person with a high metabolism rate might burn 100 calories in an hour by exercising while a person with a low metabolism rate may burn only about 15 calories in the same time span doing the same," says dietician Dr Richa Anand.

DID YOU KNOW?
A standard glass of wine has as many calories as a slice of cake or pizza. A pint of beer could be substituted for a large doughnut!


Avoid happy hour

  • Keep in mind the words 'portion control'.
    Moderate alcohol consumption is defined as having up to one drink per day for women and around two drinks per day for men. To stick to these guidelines, learn to take small sips and not gulp it all down. The slower you drink, the lesser empty calories you'll consume throughout those happy hours.
  • Never drink on an empty stomach.
    Eat before you go. To avoid indulging in either too much alcohol or too much junk food, eat something that's high on proteins and carbohydrates like low-fat yogurt and fruits. You can also opt for a sandwich, raw salad or kebabs with garlic sauce.
  • Avoid ordering food after you start drinking.
    Since booze lowers your inhibitions, ordering snacks before you start binge drinking will help you make healthier choices. Stay away from fried appetisers and go for grilled items.
  • Don't opt for sweeter drinks.
    Cocktails with a fruity or sugary base (like Cosmopolitan or Daiquiri) are so smooth on the palate that you don't realise when you've gone overboard. Instead, opt for stronger spirits like tequila and whiskey that have a more intense flavour, so you're less likely to drink more.

Baca Selengkapnya ....

Important Things to Consider Before Taking Out a Second Mortgage

Posted by dasfseegdse Kamis, 05 Desember 2013 0 komentar
Your home is not only likely to be your largest asset, it is your most important financial asset. It provides a safe and secure place for you to live. And in a pinch, it can provide a source of emergency cash or fund its own improvement. Second mortgages could really be tempting. It is a good way to take advantage of your home equity, but getting one of these mortgages is not something that you should take lightly. There are numerous pitfalls that you should avoid. Many people use them as a way to raise money instead of remortgaging, but there are some things you need to be aware of before you apply. Here are some tips to help you in taking out a second mortgage.

mortgage

Purpose
Using your home equity to make home improvements makes the most sense. If you are making changes that will increase the value of the home such as, adding a room, finishing a basement or upgrading the kitchen, borrowing against the value of your home is sensible (if you can afford to make such upgrades without borrowing, that would be even better). Borrowing against your home equity to buy a car is unwise, if only because car loans are often issued at lower interest rates than home equity loans. Borrowing against your home equity to pay-off other debts is not crazy, but it could easily mean that you'll be paying on goods and services long since consumed for a decade or more, making them much more expensive.

Based off Home Equity
It's important to realize that a second mortgage is based off the equity you have in your home. Equity is the difference between the value of your home, and how much you owe on the mortgage. So if your home is worth $150,000 and you have $50,000 left on the mortgage you have $100,000 in equity available to you. Most lenders will allow you to borrow between 60% and 80% of your total equity in the form of a second mortgage.

Interests Rates
In general, second mortgages implement higher interest rates. This is logical because lenders are taking greater risks in providing such loans. If you would get into default on your loans, you are required to first settle your primary or first mortgage. Only after settling your first home loan would you be required to take care of the second.

Check the APR (annualised percentage rate) applied. It is advisable not to immediately apply for the second mortgage you find. There could be other second mortgages with lower APRs. As you perform a comparison before your decision, get quotes from several banks, credit unions, and dedicated mortgage lenders so you could logically find the best product there is for you.

Shop and compare
Unlike home mortgages, which are standardized to the point that everyone offers virtually identical rates, home equity loan rates vary. Don't just accept the rate quoted by your local bank. Check BankRate.com for the best rates available in your city and circumstance.

An Additional Lien on your Home
When you take out a second mortgage you are putting another lien on your home. This second lien puts the second lender in line behind the first lender to get your home. This means even if you pay off your first mortgage but then default on your second you are still going to lose you home. When you take a second mortgage you increase the chances that you will lose your house and give yourself more debt to pay back later on. It is not a decision that should be taken lightly.

Terms and Conditions
It is a must to carefully read and understand the terms and conditions of all second mortgages you consider taking. When you compare to choose the best, do not focus on just the rates and fees. Look at the terms and conditions because there could be many other provisions that could make second mortgages advantages and disadvantages.

Check out any balloon payment. Most second mortgages initially offer low and more affordable payments. Those usually require bigger payments at the end of the loan. Carefully read the loan contract to find out if such balloon payments would be ideal for your situation.

Homes are the foundation of a family financial future. The ability to borrow money against the equity of a home is one of its greatest features.

Keep these considerations in mind before you acquire an additional mortgage on your house. Since you are basically putting your home up as collateral with a second mortgage, you should only take one out for very important purchases.

Baca Selengkapnya ....

Beautiful Christmas Wreath Decorating Ideas

Posted by dasfseegdse Senin, 02 Desember 2013 0 komentar
Christmas wreath outside of your door symbolized that your home was one that was celebrating the birth of Christ. Today, Christmas wreaths are used to decorate and celebrate the holiday season. Here are some beautiful Christmas Wreath ideas below..

christmas wreaths
 Festive Wreath Ideas for Christmas

wreaths
 Pretty Christmas Wreath

holiday wreaths
 Wreath Ideas for Christmas

wreath ideas
 Beautiful Evergreen Holiday Wreath

christmas wreath ideas
 Wreath Decorating Ideas for Christmas

wreath decorations
 Beautiful Holiday Wreaths

christmas wreath decorations
 Awesome Christmas Wreath

wreath decorating ideas
 Unique Wreath Ideas for Christmas

wreath
Most Beautiful Wreath for Christmas

wreaths christmas
Creative Wreaths Ideas

Baca Selengkapnya ....

Christmas Office Decorating Ideas

Posted by dasfseegdse Sabtu, 30 November 2013 0 komentar
office decoration
 Office decorating ideas

christmas office decorations
 Christmas at the office

christmas decorations
 Office Decorations for Christmas

christmas pictures
 Wonderful Christmas Office Decorations

christmas decorating ideas
 Christmas decorating ideas

christmas office decorations
 Office decorating ideas for Christmas

 Christmas office decorations

christmas decorations
 Beautiful Office Decorations for Christmas

office decorating ideas
Christmas Office Decorations

decoration ideas
 Christmas Decoration Ideas for Office

christmas images
Holidays at the Office

Baca Selengkapnya ....

Happy New Year 2014 Wallpaper

Posted by dasfseegdse Rabu, 27 November 2013 0 komentar
new year
 Let's welcome this New Year with smiles on our faces and hopes in your heart for the best.
Wish you a very Happy New Year 2014!

happy new year
 Little keys open big locks
Simple words reflect great thoughts
Your smile can cure heart blocks
So keep on smiling it rocks.
Happy New Year 2014!

new year 2014
 When the Mid-night Bell Rings tonight,
Let it signify new and better things for you,
Let is signify a realisation of all things you wish for.
Wish you a very Happy New Year 2014!

new year wallpaper
 New year is a blank book,
My best wishes for you to convert it
To a beautiful story.
Happy New Year 2014!

2014 wallpapers
 Tomorrow, is the first blank page of a 365 page book.
Write a good one. Happy New Year!

new year wishes
 Write it on your heart that every day is the best day in the year. Happy New Year 2014!

new year images
 As the New Year dawns, I hope it is filled with the promises of a brighter tomorrow.
Happy New Year 2014!

new year quotes
 On the road to success, the rule is, always to look ahead. May you reach your destination. May your journey be wonderful. Happy New Year!

2014 images
 Let us forget failures of yesterday
Get ready for a new beginning
that brings you happiness and joy.
Happy New Year 2014!

new year greetings
I wish that the coming year is a glorious one that rewards all your future endeavors with success.
Wish you a very Happy New Year 2014!

2014 greetings
Time is the school in which we learn,
Time is the fire in which we burn.
Happy New Year 2014!

Baca Selengkapnya ....

Free Download Cute Wallpaper for Android

Posted by dasfseegdse Selasa, 26 November 2013 0 komentar
i think in this world, almost all people have a smart phone, i dont know apple, android etc, and sure you can have many cute wallpaper for your android. right? so you can download this wallpaper with free,
check it out !!!











Baca Selengkapnya ....

free download hd wallpaper for android galaxy tab

Posted by dasfseegdse Kamis, 21 November 2013 0 komentar
if you have a smartphone like samsung android galaxy tab, sure you dont satisfied with theme or wallpaper that provided by samsung. sure, you wanna theme better than samsung. maybe this picture or wallpaper can save to your computer or your smartphone. if you like this wallpaper you can save it or you can use this wallpaper to your android galaxy tab. i think this wallpaper match with android galaxy tab. happy downlod !!!










Baca Selengkapnya ....
Trik SEO Terbaru support Online Shop Baju Wanita - Original design by Bamz | Copyright of wallpaper gratis.