Why Should You Exercise?

By Joshua Trentine,
OVERLOAD Fitness

Before we can answer that question, we must first define exercise. Why define? In the words of grammarian Richard Mitchell: a word that means everything means nothing. Exercise has come to mean everything; I’ve heard walking, gardening, dancing, video games, sex, and a wide range of activities called “exercise.”

Exercise is a process whereby the body performs work of a demanding nature, in accordance with muscle and joint function, in a distraction-free, temperature controlled environment, within the constraints of safety, meaningfully loading the muscular structures to inroad their strength in a minimum amount of time.

This should narrow things down a bit. The most common thing I hear from people is that they claim that all of their recreational endeavors are exercise. I’m here to say if it does not meet specific criteria that allows for enough of a stimulus to excite the body to produce profound architectural changes, then you are left with activity and recreation, not exercise. I’m not suggesting that recreation and activity are without benefit. These things are absolutely essential to us and we should be able to enjoy recreational activity for the rest of
our days on earth, as long as we participate in normal and required maintenance for the human body called EXERCISE!

The most common gripe I get when restricting the word “exercise” is that people will complain that they must do activity very often to burn calories. While I admit activity can be calorie wasting it can also be sarcopenic (muscle wasting). Some estimates have an entire marathon only costing us 2,500 calories and there are 3,500 calories stored in just one pound of fat; if you’re not logging your calories and creating some kind of calorie defi cit, good luck losing any fat. Now this gets me to my answer of “why exercise”: to preserve and increase lean tissue. Bottom line, if you’re much past 25 years old, you are losing muscle every year; and if you’re much past 40 years old, it’s happening quickly. Fat loss can only occur if there is a calorie deficit, and recreational activity is a very inefficient means to creating this deficit. Diet is the primary mode for fat loss and exercise is a means of preserving lean tissue as we age and to make sure that our weight loss efforts are discriminate. In other words, we’re not really out to lose weight. We wish to lose fat and preserve lean muscle mass. This is done with diet and exercise. Exercise, as defined above, will promote skeletal muscle gain and prevention of loss. Skeletal muscle is the window to the body and will enhance: strength, HDL, bone density, vascular efficiency, metabolic efficiency (for type II Diabetics including glucose economy and insulin sensitivity), joint stability and protection, stamina, mobility, and overall functional ability to allow you to do anything.

If you’re after the most intense, safe, efficient, effective, results producing exercise, please come in for a free 90 minute consult at OVERLOAD FITNESS.

Contact info@overloadfitness.com or visit overloadfitness.com.

 

Preparing for the Return of a Boomerang Kid

Presented by Jonathan S Merckens, CFP

It probably feels like yesterday that you dropped your child off at college for his or her freshman year. Saying goodbye in a dorm room, surrounded by new bedding, electronics, and all the food that could fit in the mini-fridge, you may have shed tears knowing that your
almost-adult child would no longer be living under your roof.

Fast-forward to graduation, and your son or daughter may be contemplating his or her next step. Graduate school? Job search? Travel? Unfortunately, high debt rates and an unpredictable economy have limited grads’ options, and many are returning home after graduation. According to a recent study conducted by the Pew Research Center, 3 in 10 young adults between the ages of 25 and 34 have lived with their parents in recent years.

Meet the boomerang generation
Known as the “boomerang generation,” young adults today are apt to move out of the family home for a period of time before returning to live with their parents. Grown children may need or want to move back in with mom and dad for any number of reasons, including:
• Lack of money to fi nd a place on their own after college
• Job loss
• Desire to pay off debt or save money to make a down payment on a house
• A failed relationship or unsustainable living arrangement with a roommate
• Desire for security and stability

As more adult children move back home, families must get used to living under one roof again. Having a plan to manage the transition is essential, as it helps set expectations and ensures that both parents and grown children stay on course to meet their fi nancial goals.

Keeping your financial life on track with a full house
If your grown child is moving back home, the following tips can help you manage the financial aspects of your relationship:
• Be realistic. It’s natural to want to support your child as he or she searches for employment or saves money. But don’t exceed your financial limits. Your child should understand that it’s important for you to meet your own retirement and debt repayment goals and obligations.
• Map out a financial plan for your child. Help your child build better financial habits by working together to set a budget and savings goal. Discuss the amount of financial help you’re able to provide without jeopardizing your own savings. Also decide if your child will stay on your health insurance plan (most plans cover kids up to age 26).
• Set a target move-out date. Along with creating a financial plan, setting a move-out deadline will encourage your child to work toward concrete goals. If you don’t set a limit, he or she may stay at home longer than expected or delay working toward future plans. If your child needs to start paying off credit card bills or tuition debt, or is hoping to save money for a down payment on a house or condo, have a realistic discussion about how long it will take. To help everyone stay on track, some parents draw up a contract that both they and the child sign.
• Reassess the plan as necessary. Once you’ve made a financial plan and set a move-out date, ensure that your child is making progress toward those goals. Talk regularly about obstacles he or she has encountered and how you may be able to help with the job search. If your child hasn’t been able to fi nd a job, you may need to update the plan to reflect a more realistic time frame.
• Decide if your child will pay rent. Charging rent can help offset the costs of having another person under your roof. If you don’t need rent money to cover your bills, you might consider letting your child save that amount to use when he or she moves out. If your child doesn’t have a job or can’t afford to pay rent, exchanging work for room and board is an option. Your child’s duties might include shoveling snow, mowing the lawn, painting a room, or cooking a meal once a week.
• Consider your child’s debt. Parents are often conflicted about whether to help their children pay off credit card or education debt. If you do decide to help, create a contract that outlines what you expect in return. You could also waive rent for a couple of months if your child agrees to put any savings toward decreasing his or her debt burden.

Making the best of a not-so-ideal situation
Dealing with a full house again can be tricky, especially if you’ve lived in an empty nest for an extended period of time. But, by setting clear ground rules and fi nancial expectations, you can ensure a much smoother transition when a grown child returns home— and help him or her regain financial independence more quickly.

Jonathan S Merckens is a  nancial planner practicing at 1287 Ridge Rd, Ste. B, Hinckley, OH 44233. He o ers securities and advisory services as a registered representative and investment adviser representative of Commonwealth Financial Network®, a member firm of FINRA/SIPC and Registered Investment Adviser. Contact him at (330) 591-9311 or Jonathan@GrahamAssoc.com

One moment. One shot. Once chance. Tips on Choosing the Right Photographer

TIMELINE: When planning your timeline for your big day or special occasion, be sure to communicate with your photographer. A good photographer will be able to help you plan out how much time is needed, not only for taking the pictures, but also to allow for the travel time to get to any photo locations you may decide on. Always keep in mind, it does take time to photograph those beautiful moments, so be sure to allow enough time. You only get one chance to capture the memories of that special day or occasion.
EXPERIENCE: When looking at a photographers website, always always always find the “about me” or “bio” section and find out their background and training. When looking for the person to capture that important day of your life, whether it is your once only senior pictures, wedding or other special event, you want to be sure they are more than a “weekend warrior.” You want to know they are true professionals.

COPYRIGHT: Make sure you own your photos! At Ken Love Photography, whether it is a wedding, senior portrait shoot, family shoot or beyond, every client at the end of the process receives every image in high resolution and the rights to those images to print them anywhere! Do they water mark their digital files? At Ken Love Photography, we let our work speak for itself. We get our work from people asking who took your photos, not from our name floating in your image. You paid for photos, not for free advertising for photographer.

SECURE PHOTOGRAPHER: Don’t wait to book! Good photographers are snatched up quickly during busy seasons; weddings, senior pictures or Holidays. Always ask if photographer offers any oŸff season discounts or discounts for Friday and Sunday weddings. At Ken Love Photography, we understand you pick some dates trying to keep
a budget, and we are here to help! After all, if you can’t have one of those prized summer Saturday dates, why should you have to pay the same price?

QUANTITY: Find out how many photos on average they take at each wedding or sitting. If they put a limit on how many pictures they take or they will give you, move on. It is always better to have more; you don’t want to miss that one unique special moment.

EQUIPMENT: Do they have back up equipment? If there is a problem or issue with any of the equipment, you are covered. We have had as many as four camera and various other lighting equipment for our off site photo shoots.

Ken Love is what is considered a “True” Professional Photographer. Graduating at the top of his class from the Pittsburgh Art Institute and the R.I. School of Photography, trained in the Professional Photo Lab field, assisting top commercial photographers in the country, and having spent 22 years as an award winning newspaper photographer, Ken Love has the true experience and knowledge to take on any photography job big or small. After leaving the newspaper business to start his own business four years ago, Ken has quickly become one of the top wedding photographers in Ohio, along with serving dozens of commercial photography clients and ad agencies.

Ken Love Photography provides high-end services, including photojournalistic wedding photography, senior photos, and family portraiture, including children and pets. He also does model portfolios. Ken has extensive experience shooting professional, college, and high school sporting events that he also applies to photographing youth sports.

Call Ken to capture your special moment to remember forever!

Ready to Grow your Small Business? A Good Website is Essential!

Presented By WebScapes HD

Did you ever notice that sometimes the smallest adjustments can make a world of difference? As Creative Partner and Art Director of the website development firm WebScapes HD in Medina, I not only understand this, but I make sure all of my clients do too. Just the slightest adjustments to artwork, navigation and verbiage can turn a bad website into an extraordinary one. These improvements help captivate a reader long enough to learn more about your product or business.

Your website is often your first impression to a potential new client – a reflection of your business and you. If your website is not interesting and does not look professional, trust in your services or products can indeed suffer.

What I’ve noticed over time is that small businesses, wanting to save a buck, have built websites with free tools or through volunteer work from family or friends. Ironically, while trying to save money, many of these businesses have thrown away revenue in lost sales opportunities. While this is unfortunate, it’s never too late to change and start
gaining back some of that lost market.

Another important factor in website design and development, which people tend to overlook when not using a knowledgeable professional, is Search Engine Optimization (SEO). In addition to looking good, it is imperative that websites be optimized for the major search engines. Without this optimization, consumers cannot find your site when conducting searches for your products or services. In essence, without SEO your web presence is practically non-existent.

The Adjustment I Made
Having a passion for website design, I partnered with a web developer in 2009 and formed WebScapes HD, LLC. For me this was a fun way to earn a few extra dollars on the side while making good use of my skills and interests. After early successes, including positive client feedback and increasing referrals, I started to realize the full potential for this business.

To read the rest of this article visit our digital issue http://digital.turn-page.com/i/77769/7.

WebScapes HD

www.webscapeshd.com • 330.242.9396

Who Can Understand?

A child that has been raised by a single parent faces their own set of circumstances separate from the parent. Other single parents I know have shared with me the unusual dilemmas they face trying to answer tough questions. They struggle in dealing with behavioral issues that seem to occur on a daily basis. They ask me, “What do I do?” “What would you do?” The best advice that I submit to you is to search for answers. Connect with other single parents, and parents who are married as well. I searched for years for a good church that understood and could help. I am now preparing myself through training, to help other single parents and their children deal with their needs, traumas, and pain.

Plans fail for lack of counsel, but with many advisers they succeed.
(Proverbs 16:22)

A study from the 2010 Journal of Psychology indicates that the self-esteem level of a child in a single parent family is lower than that of children raised by two parents. The article also states that they found the mother-daughter relationship suffers the most. Reason being is that girls formulate their world-view and confidence from the examples
of the mother. Certainly, the choices all of us make will eventually affect our children at some point in time.
Read the perspective of my daughters below:

“My mom has asked me to write a paragraph about what it was like growing up in a single parent household and how this has affected our lives. I think that as a child growing up I saw things much differently than I do today as an adult. As a child, I felt different and sometime jealous of the other kids that had 2 parents. I remember being really upset with my dad and hurt that he wasn’t there as much as we needed him. We went without a lot of things growing up, but I knew that my mom was doing everything she could to provide for us. I may not have understood this completely at the time, and I remember getting upset with my mom when I wanted new clothes or the Trapper Keeper that all the cool kids had. On one occasion, to show us that we really didn’t have enough money for the extras, my mom had me balance her checkbook. I still remember to this day how quickly the balance got smaller and smaller until there was almost nothing left after the bills were paid. This really helped to put things into perspective for me, and I think I appreciated my mom a little more after understanding her financial challenges. As an adult I feel more fortunate to have experienced more in life than most others my age.” S. Beyers

“It was hard to deal with growing up with a single parent because it meant mom had less time for me. She always worked a lot and didn’t have much money to do fun stuff. We were limited on a lot more than we would have been if dad had stayed. We would have learned from him as well. I still grew up strong, smart and healthy.” A Shick

“Growing up without a dad was very tough and it affected me in many ways. My outlook on men was that I didn’t trust them.I didn’t have a man around to look up to or learn from or be protected by. So, I just never felt that any man could be trusted, or be comfortable around. If my own dad didn’t want to stay around, how would I ever be able to trust a man? I think my self-confidence would have been a lot higher if I was accepted and loved by my dad. It would have helped me around boys. All the other girls had lots of guy friends, but I was shy, and always felt like a man would never want to be around me or accept me. I never got to talk about my dad or call him daddy, because he wasn’t there. Other kids would visit with their dads on the weekend, but I was always with my mom. It would have been nice to be around my dad too. I think it has made me realize how much my mom has done for me and my sisters, throughout the many
years of raising us without the help of our fathers. I now think that I never needed a dad. I’ve made it this far without one, and I don’t need one now.” P. Schoeffel