Thinking Of Going On A Diet? How About A Papaya Diet?

Dieting can be very hard on the body when not done in the right manner. Not giving the body sufficient time to adjust through crash dieting does more harm than good. More often than not, people diet and lose all the excess weight only to find that the minute they return to their previous eating habits, all the weight is gained back. But all is not lost, thanks to the papaya diet. Who knew that something as simple as a papaya salad could help you out?

The papaya diet is considered to be a great option to option for all those people who are looking to shed a few pounds-especially those who are suffering from an inflamed abdomen. Though the fruit is sweet, the number of calories in papaya are minimal. When it comes to papaya, there is nothing to lose.

Steps

Step 1

Find a nice, fresh fruit. Make sure that the skin has no unwanted indentations. Drink a couple of litres of water in order to remove all the toxins from your body.

Step 2

You will need to begin your diet by going on a mono-fast for a couple of days. You will need to eat the fruit throughout the day, perhaps in the form of a papaya salad.

Step 3

Whenever you feel hungry, simply eat some more papaya. You may drink the papaya juice once in a while, but do not add sugar to it. This is to cleanse the toxins from your body, including the parasites. It helps in building stronger tissues, and also reduces inflammation. You may experience diarrhoea, but that is normal.

Step 4

After fasting, you can drink warm water with a little lemon in it. Follow this up with a papaya breakfast, maybe a papaya salad. Wait for approximately half an hour, after which you can slowly begin to consume soft food.

Step 5

Avoid processed sugar and flour during the time you keep dieting. You may drink papaya juice if you are looking for some variety. This is extremely important as papaya ensures that anything that has been accumulating in your intestines are removed. The fact that the calories in papaya are minimal helps a great deal along with the fact that the fruit is delicious.

Step 6

Steamed vegetables, fish, legumes, beans etc can be consumed for lunch. You can supplement it with a little papaya juice as well.

Step 7

There is a need to perform abdominal exercises while you are on a diet. Muscles need to be stimulated during this time. The fact that there are very few calories in papaya fruit helps. However, that alone will not do.

You can make a simple salad and juice yourself. If you haven’t consumed papaya prior to this and are wondering how to cut a papaya, then visit our site in order to learn about the same.

Tips to Stay Motivated to Get to the Gym

If you want to get fit, going to the gym is a great way to succeed. All good gyms provide members with a range of different pieces of equipment which help to work a lot of different parts of the body. Whether you are seeking to build muscle mass or lose fat weight through healthy methods, the gym will be a great place for you, as long as you are motivated enough to go regularly. Here are some tips to help you to stay motivated:

Set a goal

If you want to get the most out of your gym sessions, you need to set an achievable goal for yourself. Knowing what your target is will encourage you to keep going to the gym, in order to achieve the goal that you have set for yourself. Once that goal has been realised, set yourself another one, which is a little harder, but still within the realms of possibility. It is essential that your goals are achievable, or you will be more likely to turn away from them. Goals can involve losing a set amount of body fat weight, or managing to run for a certain distance on the treadmill, or whatever other goals you think will keep you going back to the gym.

Buy a monthly (or yearly) pass

Deciding to buy a pass for yourself for a set period of time can help to encourage you to keep going to the gym. Knowing that you have already spent the money may make you go to the gym, because you do not want to feel as though you have wasted the money. If you have already bought a monthly pass, it may be a good idea to work out how many times you need to go to the gym in order for it to be better value than if you were to pay each individual time. Encourage yourself by acknowledging that every additional time you go will bring down the cost per session of the pass.

Get a gym buddy

Going to the gym with a friend will encourage you to improve both your attendance and your performance. Evidence has shown that people are less likely to pull out of something if they are due to attend with a friend. This is because they do not want to let their gym buddy down. Once you are at the gym, you can encourage one another to perform better by engaging in a little healthy competition.

How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

Pay For Delete Letter – Does It Really Work?

If you look on any financial website on how to remove a negative item from your credit report you’ll more than likely see the ‘pay for delete’ option listed. Pay for delete is a negotiation strategy to get a negative listing or trade line removed from your credit report. You negotiate a full or partial payment in exchange for a complete removal.

Do they work? It really depends on who you ask! Some will state they know from experience that it works and they’ve been able to get from under their debt while simultaneously improving their credit from the deletion. Others will vehemently deny its effectiveness saying the creditor will get their money and leave you hanging. To add, if you look at one of the credit bureaus website; they’ll even hint that it is illegal to remove a negative item via this method (go figure, huh).

Honestly, it has worked on occasions yet I would be lying if I stated it works all the time. I can also state that I have not found anything in the law that flags the practice as illegal; the reason credit bureaus are against the practice is because it cuts into their profit. Bad credit is big business. Of course, they’ll state that the integrity and authenticity of the report is ruined by this practice, but so is their inability to accurately report true and authentic information on a credit report so that theory is out the window. I will admit, I personally am not a fan of the pay for delete method. And I’ll share why.

First and foremost, it really only works with collection agencies or 3rd party debt collectors. So, if you have negative information on your report from an original creditor the chances of them deleting anything for payment is pretty slim. They’ve more than likely already charged off your account, have gotten their tax and insurance claim benefit from the write off and sold your debt to a collection agency, so their cool. Why make your life easier?

So, what you’re really doing is negotiating with a company that purchases bad debt to make a profit. You’re offering to pay them money to delete the negative item from your credit report. Let’s say they accept. You get their agreement to delete in writing and send them the money. Now you wait, and wait and wait. Hmm, they haven’t deleted anything! You have it in writing so you send a dispute letter to the three credit bureaus with a copy of the agreement that they promised to delete for payment and… the credit bureaus refuse to delete as well. There’s nothing you can do about this. Collection agencies can revoke their ability to access or report any information with the credit bureaus if they delete what’s believed to be accurate information from your report. Further, by giving the credit bureaus proof that you paid the debt, you pretty much have admitted the debt is yours and can forget about disputing it with them for removal. Now, if it’s in writing you can sue them for violating the Fair Debt Collection Practices Act; which states that a collector cannot lie or use deceptive practices in order to get payment for a debt. But, as one of my clients stated: “Who has time and money to go through that?”

The goal is to rebuild your credit and to restore your score. If you settle a debt with a company, they legally have the right to send you a 1099 tax form for the remaining balance; the IRS views the amount you did not have to pay as income; which you have to pay taxes on. Thus, you’ve just created another bill.

Another thing to mention is that if your debt is being reported by the original creditor and by the collection agency, paying for a deletion will not remove both debts; just the collection. Your score will still be negatively affected by the charge off that is reporting.

If you do decide to go ahead and offer a Pay for Delete, please do so after you have asked them to validate the debt. What you are asking them to do is prove that you owe the debt and that they own the debt and can provide documentation to back it up. If they can’t provide this, they have to delete it anyway. In addition, check your state’s statute of limitation to see if they can legally collect from you according to your state laws. The time frame for a creditor or collector to enforce payment of a debt is limited, if you pay less than the full amount you risk restarting that time limit to day one. You also want to see when the debt will be deleted from your credit report. If it’s going to fall off soon why pay anything towards it? By paying, you risk them adding an additional trade line to your credit report that details the payment received and possibly a new negative ‘Paid Collection’ notation on your report. Lastly, send everything certified mail return receipt and keep copies of everything!

Hope this helps!

If you’d like assistance pinpointing the items that are negatively impacting your credit score, please do not hesitate to contact me! We’ve helped thousands of people successfully removed over 700,000 derogatory items from their credit reports.

Job Costing and Estimating

Small business owners are an underserved group. Tax planning and tax preparation should not be the only skills offered by the business’ advisors. And to small business owners, don’t be so stubborn. Read carefully to understand this discussion. This just might save your life long dream from collapsing.

Construction, roofing, and custom manufacturing are all business types that will benefit from a discussion of direct and indirect expenses. Most already know that direct expenses for a given job or project have to be considered in the cost. Direct expenses include the labor and materials used. It is the indirect expense that is most often forgotten or mistakenly allocated to job cost. The indirect expense is a cost that relates to all jobs or projects and not to one job specifically.

Examples of indirect expenses include: depreciation on machinery and equipment in the production process, depreciation on plant facilities if owned by the small business, rent on the plant facilities, shop supplies, vehicle expenses, utilities, insurance, and the compensation of supervisors, plant managers, and owners of the business. And of course, don’t forget about payroll taxes. There could be other indirect expenses in a given business, but the aforementioned will serve to demonstrate my point. It is also important to mention here the compensation of the business owner or owners. If the owner participates in the production process, a portion of compensation (or all) should be treated as an indirect expense to be allocated to the job cost.

Now that there is a list of indirect expenses, how should they get allocated to the job cost? Typically, indirect expenses are allocated based on direct labor dollars, direct labor hours, or direct materials. My personal favorite method of allocation is based on direct labor hours. If there are 20 direct laborers in a given business, and each is projected to work 1,900 hours annually, there will be 38,000 hours of total direct labor in a given year. If the summation of indirect costs is $1,500,000, this business will have an indirect cost per direct labor hour of $39.47. If my average hourly wage for direct laborers is $25.00, then total cost per direct labor hour is $64.47. If this particular business desires an industry average gross margin of say, 36%, it will need to charge $100.73 per labor hour. This billing rate is determined by using the full absorption method of accounting. Full absorption accounting is a required “generally accepted accounting principle” and must be used in all external financial statements unless otherwise disclosed.