Monday, October 20, 2008

What to do with your Investments


If you’ve been investing in stocks like thousands of other Americans then you may have been feeling the recent financial storm. Since the $700 billion bailout plan was set into motion stocks around the world have taken a tumble. People everywhere are becoming worried about their live savings and investments and want to know whether they should pull out.

For those of you who are invested in the stock market right now and nearing retirement you may need to prolong your retirement date. A lot of financial advisors and stock brokers around the US have been telling their clients nearing retirement that they may need to wait a couple more years. For those with plenty of investments and diversification this won’t matter much, but for the every day American this is tragic.

It’s being recommended by many top consultants right now that if you need your investment money within the next couple years that you should just take it now. The markets will need time to recover from this massive financial hardship and it won’t be something that can be fixed overnight. So if you’re planning on needing your investment money within the next couple years then it’s being recommended that you pull out of them now and take what’s left.

Too many people around the US are having trouble sleeping at night with the losses being posted on the stock markets and this is causing even many veteran investors to pull out. Noone can predict where the economy is heading which is causing a massive selling of tons of stocks.

On the other hand though if you don’t need your investments for fifteen to twenty years then it’s recommended you hold in there. Markets always fluctuate heavily once in awhile and we’re long overdue. In twenty years your investments today could be worth a lot though and therefore professionals are recommending holding out. The major concerns are with those people who have investments maturing within the next few years because there is a massive uncertainty about the economy.

Sunday, June 22, 2008

Top 10 Ways to Build Muscle Mass Fast


“Success isn’t a result of spontaneous combustion. You must set yourself on fire.”

- Arnold H. Glasow



Note: This guest post was written by Mark McManus. Check out his website here.

Want to look better and burn more calories even when resting?

You will if you add some muscle to your frame.

Whether you want to be the next Ronnie Coleman or just want a more defined / toned physique like Brad Pitt or Jennifer Aniston, you’ll need to build some muscle mass.

So here’s 10 tips to help you build pounds of lean muscle and get the body of your dreams.

1. Pursue Progressive Overload.

The law of progressive overload simply says that you must increase the amount of reps or the weight lifted every single workout (or as close to this as humanly possible) in order to ignite muscle growth.

The body adapts to stimuli, so how do we use this to our advantage? Well the key is to place ever increasing demand on the body, thereby forcing it to continually adapt. Training with weights is undoubtedly the best way to achieve this. You can know precisely how much weight you can handle and can also make incremental increases over time to spark muscle growth.

If you workout with the exact same weight every session and perform the same number of repetitions, how can you expect your body to grow? So, if you want bigger biceps, you must increase the weight you are lifting every session or the amount of repetitions. Remember:

Progressive Overload = Muscle Growth.

2. Perform 8-12 reps.

8-12 reps on any given exercise will stimulate most muscle growth. Lower rep ranges of say 3-6 work well for building strength but not necessarily muscle hypertrophy (growth). Higher reps e.g. 15 - 20 can indeed stimulate muscle growth but it is far from optimal. You should be lifting a weight so heavy that you can’t get more than 12 reps but light enough to allow you to get at least 8 reps.

3. Perform 6-9 sets.

Yes just 6-9 sets per body part. If you are working out with good form this is all you need to stimulate muscle growth. You want to keep your workouts under 45 minutes to avoid the release of hormones that actually break your muscle tissue down (catabolic hormones). Luckily, you can easily accomplish this by performing a maximum of 9 sets per body part.

4. Eat Eat Eat.

Working a muscle tears the tissue, it then repairs and grows. Muscles need fed in order to allow them to grow. Basically you need to eat big to get big. A good bodybuilding diet will allow you to grow without adding fat at the same time.

5. Increase the Amount of Protein in your Diet.

Muscle = protein. In order for muscle tissue to repair itself after your weight-training sessions it needs an abundance of protein. Some beginners don’t take enough protein and some more experienced guys take ridiculously extreme amounts of protein. So how much protein is enough to supply those hungry muscles? Use the following formula for the most accurate daily protein requirements.

Lean Mass Weight (Kg) x 2.75 = Daily Protein Requirement

Your lean weight is your total body weight minus the amount of fat you are carrying. You will need to know your body fat percentage for this. If you are unsure about this, you can get a good estimate by using the ‘Body Fat Calculator’ in the sidebar at MuscleHack.com site. Another good rule of thumb is to take 1 gram of protein for every pound of total body weight. So a 160 lb man would take around 160 grams of protein per day. My favorite sources of protein include

* Chicken
* Steak
* Pork
* Eggs
* Cheese
* Whey Protein Powder Shakes
* Seafood - tuna, prawns, salmon…
* Nuts
* Seeds

Here’s a good post showing great vegetarian sources of protein.

6. Eat Fat.

A Low-Fat diet is not desirable in bodybuilding. Eating fat increases the amount of anabolic (muscle building) hormones in your body. These are:

1. Testosterone
2. Growth Hormone
3. Insulin-like growth factor (IGF-1)

Some people resort to taking anabolic steroids in order to accelerate muscle growth but you can get great results by implementing the ultimate bodybuilding diet.

7. Make Sure you Drink Enough Water.

Getting enough water is crucial for peak strength and energy levels. You should shoot for around 12 x 8 ounce glasses of water per day. Remember you can include your protein shakes towards your daily water intake.

8. Avoid Too Much Cardio.

Cardiovascular work will rob you of muscle gains. Yes if your goal is to lose fat you should do cardio but make sure it is:

(a) Performed immediately after your weight training

(b) ‘High Intensity Interval Training’ form of cardio for a maximum of 20 minutes.

The reason that too much cardio isn’t desirable when your goal is to build muscle is that too much cardio releases catabolic hormones in the body, breaking down your muscle tissue; obviously this is counter-productive.

9. Sleep.

Sleep is so important for building muscle. We know that muscle tissue repairs itself and grows during rest periods but sleep is more important than waking rest periods.

Here’s why:

1. The release of growth hormone reaches its peak during deep sleep
2. Your metabolic rate slows which is perfect for muscle tissue repair and growth
3. Increased blood flow to the muscles

10. Relax.

Being stressed out results in a catabolic (muscle breakdown) environment in the body. One such hormone is cortisol. Remember that a calm, relaxed person builds more muscle than the hot-head (assuming all other factors are equal).

Keep it positive and stay motivated!

Sunday, April 20, 2008

Warning: Do You Recognize These 8 Body Language Killers?


“A significant amount of communication occurs through body language. Though we can’t see our own, everyone else does. If you’re saying one thing and thinking another, your body language may well give you away.”

- Gerri King, Ph.D.


Did you know that 55% of communication is visual (body language, eye contact) and 38% is vocal (pitch, speed, volume, tone of voice)? That means only 7% involves your actual words. And when the spotlight is on you — whether one-on-one in a job interview or when making a presentation to a large group — you need to communicate effectively on all levels.

But how do you develop better language skills?

When it comes to body language, simply avoiding the most common mistakes and replacing them with more confident movements will make a big difference. Here you will find eight body language killers that will leave your audience underwhelmed and unimpressed. Train yourself to avoid them, and you’ll see that simple changes can make all the difference.

Mistake #1. Avoiding eye contact.

Do you read directly from a PowerPoint presentation instead of addressing the audience? In a one-on-one conversation, do you glance to the side, down at your feet, or at the desk? Ever catch yourself looking over the shoulder of the person you’re talking to? What it says about you is that you lack confidence, you are nervous and unprepared.

The winning technique: Keeping your eyes on your audience. Spend 80% to 90% of the time looking into the eyes of your listeners. The vast majority of people spend far too much time looking down at notes, PowerPoint slides or at the table in front of them. Not surprisingly, most speakers can change this behavior instantly simply by watching video of themselves. Powerful business leaders look at their listeners directly in the eye when delivering their message.

Mistake #2. Blocking: putting something between you and your listeners.

Another common mistake is putting something between you and your listeners. Crossing your arms, standing behind a podium or chair, or talking to someone from behind a computer monitor are all examples of blocking, which prevents a real connection from taking place. Even a folder on a desk can break the connection and create distance.

The winning technique: Staying “open.” Keep your hands apart and your palms up, pointed toward the ceiling. Remove physical barriers between you and your listeners.

Mistake #3. Fidgeting, rocking or swaying.

What it says about you is that you’re nervous, unsure or unprepared. So, stop fidgeting. Fidgeting, rocking and swaying don’t serve any purpose. Let’s imagine for a second a top executive of a computer company who has to deliver the news of a product delay to a major investor. He and his team actually have the event under control, and they have learned valuable lessons from their failure. But his body language suggests otherwise.

His biggest problem is rocking back and forth as he delivers the presentation. It reflects a lack of competence and control. By eventually learning to move with purpose, he can avoid career suicide. The investor will leave the next presentation confident that the project is well under control.

Mistake #4. Keeping your hands in your pockets or clasped together.

Keeping your hands stiffly by your side or stuck in your pockets can give the impression that you’re uninterested, uncommitted or nervous — whether you are or not.

The solution here is too simple: Take your hands out of your pocket and use them for purposeful, assertive hand gestures. Engaging both hands above the waist is an example of a complex hand gesture that reflects complex thinking and gives the listener confidence in the speaker.

Mistake #5. Standing or sitting perfectly still.

Ineffective speakers barely move, staying in one spot during a presentation. What it says about them: They are rigid, nervous, boring — not engaging or dynamic.

The winning technique: Animate your body, not your slides. Walk. Move. Most speakers think they need to stand ridged in one place. What they don’t realize is that movement is not only acceptable, it’s welcome. Some of the greatest business speakers walk into the audience, and are constantly moving… but with purpose!

For example, a dynamic speaker will walk from one side of the room to another to deliver their message. He points to a slide instead of reading from it, places his hand on someone’s shoulders instead of keeping the distance.

Mistake #6. Slouching, leaning back, or being hunched over.

Poor posture is often associated with a lack of confidence and can reflect — or be presumed to reflect — a lack of engagement or interest. What it says about you: You are unauthoritative; you lack confidence.

The winning technique: Keeping your head up and back straight. When standing stationary, place feet at shoulder width and lean slightly forward — you will look far more interested, engaged, and enthusiastic. Pull your shoulders slightly forward as well — you’ll appear more masculine. Head and spine should be straight. Don’t use a tabletop or podium as an excuse to lean on it.

Mistake #7. Using phony gestures.

What it says about you is that you’re overcoached, unnatural or artificial. Use gestures; just don’t overdo it. Researchers have shown that gestures reflect complex thought. Gestures leave listeners with the perception of confidence, competence and control. But the minute you try to copy a hand gesture, you risk looking contrived — like a bad politician.

President George Bush Sr. used gestures that were often incongruous with his words, as if he had been overcoached. It was like watching mismatched audio in a bad B-movie. You may not command quite as wide an audience as President Bush did, but, nonetheless, the last thing you want is for your own colleagues and friends to make fun of you after a meeting.

Mistake #8. Jingling coins, tapping toes & other annoying movements.

What it says about you is that you’re nervous, unpolished or insufficiently concerned with details. Use a video camera to tape yourself. Play it back with a critical eye. Do you find annoying gestures that you weren’t aware of? I once watched an author who had written a book on leadership discuss his project. He couldn’t help but jingle all the coins in his pocket throughout the entire talk. He didn’t sell very many books that day, and he certainly didn’t score points on the leadership scale.

Nervous energy will reflect itself in toe-tapping, touching your face or moving your leg up and down. It’s an easy fix once you catch yourself in the act!

Dynamic and powerful body language will help you kick up the power of your presentations, whether you’re interviewing for a job, climbing the career ladder or occupying the corner office. So work on your body language. Pay as much attention to it as the words you use, and watch your influence soar!