Teenage Weight Loss – How Teenagers Can Safely Lose Weight

Teenagers with body mass measures between 25 and 30 require immediate medical attention. The internal stress caused from so much weight almost guarantees the premature development of medical problems such as diabetes, heart disease, cancers, and stroke.

There's no question that aggressive weight loss methods are necessary and these teenagers need to be followed by medical experts for years to come. But what about teenagers with body mass measures just below 25? Is it safe for this group of overweight and mildly obese teenagers to lose weight?

The verdict is still out – the weight loss community continues to wait for more evidence supporting aggressive weight loss methods for overweight teens. I say while we wait, let's lose some weight.

But we do not need to be so aggressive with this group. Overweight teens need to lose weight, but in a slow, gradual process. Lasting weight loss and the development of positive habits should replace the push for immediate weight loss in adolescents with body mass measures between 22 and 25.

The there's the teenager wanting to lose weight for purely cosmetic reasons. How do we approach this fragile situation as parents and professionals? We can not just say no to her for fear she might turn to unhealthy means to lose weight. But we can not just give him a green light and say go for it, either.

The rest of this article focuses on the cosmetic teenage weight loss dilemma. The best thing I can do is at least provide some ground rules for teenagers with body mass indices less than 22 who insist on losing weight.

Cosmetic Teenage Weight Loss – The Ground Rules

Here's a simple, straight forward list of ground rules for teenagers wanting to lose weight for cosmetic reasons:

  1. Losing weight with a body mass index less than 19 is not recommended and might even be harmful. Things like eating disorders, endocrine abnormalities, stunted growth, and anorexia are all well documented consequences from unnecessary teenage weight loss.
  2. Teenagers with body mass measures between 20 and 22, can lose 5 to 10 pounds in a safe and effective manner.
  3. The primary mechanism for teenage weight loss is always the "burning" of excess calories through increased physical activity. A combination of aerobic exercises and resistance training works fast and produces the best results.
  4. Teenage weight loss by restricting calories should be kept to a minimum. A slow, gradual, and controlled restriction of calories is key. I recommend starting with a 5% reduction of calories from baseline for two weeks. This is followed by a 10% reduction for one week and then a 15% reduction (if necessary) for one week.
  5. Dedication to a consistent exercise program typically produces the weight loss desired without any changes to the caloric intake. A more natural way to reduce calories comes from eating a more balanced and nutritious diet, including more servings of fruits and vegetables.
  6. Emphasizing consistent exercise and a nutritious diet is often all that is needed for a teenager to drop some weight, firm and tone muscle, and achieve her "cosmetic" goals.

For the actual steps to safe and effective teenage weight loss, additional information on resistance training, and guidelines for restricting calories, use this link …

Teenage Weight Loss Plan

To Healthy Living!

Michael A. Smith, MD

Chief Medical Consultant

Diet Basics Website

Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.

Work at Home Typing – How to Evaluate the Best Programs

The internet is creating flexible and lucrative opportunities enabling average people to earn the kind of money that can supplement or even replace their full time income. One of the most popular income generating programs is work at home typing.

Advantages of Work at Home Typing

Work at home typing has many advantages. You can work when you want because there are no set hours. You can work where you want, at home or anywhere there is an internet connection. With the high cost of fuel these days this is a great advantage for those who feel the pinch at the pump. The traditional concept of “going to your job” is gone! A walk to the coffee shop, beach or park for example can be your workplace as long as you have a wireless internet connection, and a laptop computer.

How Work at Home Typing Programs Work

The way work at home typing programs work is simple. You sign up with a typing program online and receive an extensive list of companies that are in need of data entry work. These companies will send typing assignments to your email address; you complete the assignment and submit it back to the company. You are paid per assignment. It’s pretty straightforward.

Actual Work Description

The actual work done with these work at home typing programs is simple, usually consisting of typing 3-5 lines into a pre-formatted input form. You will be constructing what is called pay per click ads for which there is currently tremendous demand; so much that online companies can’t hire enough people to meet daily demand. You needn’t be creative or a good typist, as the ads are pre-composed; you merely fill in the blanks.

Income potential is unlimited and depends on how aggressively you pursue assignments.

Evaluating a Work at Home Typing Program

There are guidelines you should follow when choosing an online work at home typing program.

1.) In business for at least 1 year

2.) Well organized, easy to navigate directories

3.) Directories updated at least weekly

4.) Helpful resources available for newcomers

5.) No “waiting period”. Eligible immediately

6.) Customer service available via phone or email

7.) 100% guaranteed.

Make sure you evaluate the company based on these criteria when deciding whom to sign up with. You don’t want to waste your time with companies with out-dated databases, poor member support or hard to navigate member areas within the specific programs website. If the work at home typing program meets these requirements above you should be ok, and after you sign up expect to get started working soon.

Healthy Weight Loss Diet Secret – Stay Away From These Diets

From bookstore shelves to spam emails, the world around us is arranged with different dieting solutions promising that they're the healthy weight loss diet that you've been waiting for. Whether or not you have actually purchased one of these books, it's pretty easy to see that the majority of them are too good to be true.

The majority of them are simply fads that will come and go because they'll allow for some immediate fat loss and then you either stop losing weight, quit altitude, or rebound and start gaining weight once more. Although they may appear in different forms and under different names, fad diets are made up of the same six concepts that are recycled over and over again.

The six fads to watch out for

Among the many fads that promise a healthy weight loss diet, there are six that always seem to weasel their way back into our lives every few years. They are as follows:

1. Eating Fat-Free – this diet promises that as long as you do not eat any fat, you can eat whatever you'd like. The idea is that as long as you're not eating any fat, you will not get fatter. In reality, though, the majority of the fat-free products that are currently for sale are jammed with sugar and other empty calories designed to replace the flavor of fat.

They do not provide much in terms of vitamins, minerals, or fiber, so it will only make you unhealthy and send your metabolism reeling until you finally rebound and gain weight again when you start eating normally once again.

2. 100-Calorie snack packs – virtually every brand of snack on the market today now has its tiny 100-calorie individually packaged version that is supposed to let you snack without the risk of gorging.

Although the concept seems to be a good one, these snacks are typically unhealthy, low in fiber, and not very filling, so that you will not feel satisfied by eating them. This means that you'll likely eat more than one bag, or you'll eat something else, negating the value of the snack pack's measured calories.

3. The calorie vacuum – this one says that if you simply eat an amazingly low number of calories, then all you have to do is sit back and watch the weight fall off. In actuality, this will only slow the metabolism, causing the body to go into "starvation mode", where you'll feel hungry, and you will not lose much weight, and when you do start eating again, your weight will skyrocket.

Even a brisk daily walk of 20 to 30 minutes can make an intense difference on a calorie-reduced diet. Any healthy weight loss diet must include some increased activity level.

4. Detoxing – this diet promises that you'll lose weight instantly by cleaning up your digestive system and removing the tremendous amounts of toxic sludge that has been building up inside you through your lifetime. In reality, the body is actually very good at removing its own toxins, as long as you eat a high fiber diet to ensure that you're regular.

5. Protein, protein, protein – as long as you're eating protein and removing carbs, then you can eat all the fat you want, according to this fad. Instead, it's a much healthier idea to balance the levels of protein, carbs, and fat in your diet.

Whenever possible, try leaner proteins such as chicken or fish, and eat lots of veggies. Whole grain carbs and dairy are great for you and should not be removed, or you risk your proper nutrition.

6. Snack Cake and Donut Diet – The idea here is that as long as you stay within your maximum calorie limit, it really does not matter what you eat. If you want to eat donuts and snack cakes all day, then you can, as long as you do not overdo your limit. Except for the fact that every day that you eat like this, your body will lose critical vitamins, minerals, and fiber, which can be detrimental to your health.

If you're serious about losing weight and skipping the fads, then download your free copy of the "Experts Guide to Understanding Weight Loss" and work with a healthy weight loss diet that skips the fads and uses facts instead.