Are you one of the thousands upon thousands of people who are 60, 80, or 100 pounds overweight, and have tried diet after diet only to discover they didn’t work?Have you stuck to a diet and lost 10 or 20 pounds only to find that once the diet ended, you gained all your weight back and more?If so, you are definitely not alone. In fact, if you are one of the people who medical experts refer to as obese, chances are that a traditional diet isn’t going to work for you, and certainly the latest ‘fad’ diet isn’t going to work.By focusing on changing your eating habits to include more nutritional and healthy foods, rather than on weight loss and calorie counting, will help you to lose much more weight that any so called “Diet”The Problem With DietsThe main problem with diets is that they are designed for quick short term weight loss. This means that by their very nature they radically cut calories, and in doing so cut many of the vitamins and nutrients your body needs to maintain good health.While this may have little effect on those looking to only lose 5 or 10 pounds, for anyone who tries dieting long-term, they experience unrelenting hunger pangs, food cravings, and even begin to feel weak and more unhealthy than ever before. In addition, many of these diets end up robbing you of energy and make you feel depressed.And all of this leads to quitting the diet, possibly gaining even more weight back, while feeling that you have failed once again.Don’t Focus On Weight Loss Focus On Eating HealthyRather than focusing on weight loss, start focusing on eating more nutritional and healthy foods. By shifting your focus you are improving your overall health, while ‘shedding’ those pounds for good. Eating more nutritionally isn’t a diet, it is a lifestyle change that not only helps you lose weight, but makes you feel and look better from the inside out.Start By Learning All You Can About NutritionMost of us think that we know all about good nutrition, but in fact we really know little at all. For example, most people believe that low fat food is better for you than their fattier counterparts. Why? Because this is what we have been told.However, low fat food is often worse for you than the full fat versions. Take a look at the label on whole milk, or cheese, and then compare the low fat versions of these products.The low fat version may contain less fat, but they are extremely high in sodium that not only adds water weight, but causes a variety of health problems as well – and the processed low fat food products are notorious for replacing some of the fat with high fructose corn syrup so they can be called ‘low fat’ and ‘sugar free’.Additionally, you also need to learn how to prepare foods so they keep more of their nutritional value. Fresh raw fruits and vegetables are more healthy than cooked, and micro-waving robs almost all foods of their nutrients. Once you have learned more about nutrition, you can then also look for foods that are considered to be fat burning or anti-inflammatory, as well as nutritional.Why You Lose Weight With Nutritionally Sound FoodsOne of the reasons you lose weight when eating nutritionally sound foods is because many of these foods are naturally lower in calories. This means that you can actually eat more actual food and still consume less calories.And this is especially the case when comparing to foods like pasta, bread, cereal, and other high calorie processed foods that are often full of sugar – none of these are nutrient rich and healthy, and you can’t lose weight with ‘nutritionally empty’ foods.When you eat nutrient dense foods, you are also giving your body what it needs to function properly. This results in feeling more sated, so you are less hungry and have fewer cravings for your problem foods. And all of this results in eating less.Eating foods that are high in vitamins, minerals and other nutrients can help you feel better overall. When you feel healthier you have more natural energy – which makes it easy for you to increase your activity levels, which helps to burn off even more calories that results in more weight loss. And the beat goes on!Best of all you,can begin making small changes in your diet to include more nutritional foods, and then add more and more of these foods as you go along. This will give your body time to adjust to your new way of eating, while allowing you to change your diet in a manner that doesn’t send your body into shock and starvation mode.And whatever you do, don’t try to lose weight by fasting or eating ridiculously low amounts of calories. Each small healthy change you make, will result in more weight loss, and you can consistently meet your weight loss goals in a way that is healthy and will enable you to keep the weight off.
Trust Deed Investors: One Way to Get Investment Income in a Low Return Environment
It is most generally acknowledged that the person’s early years such as the twenties is the best time to start investing. After all, you have all of life ahead to invest money which is why so many books on investment – most actually – are geared towards the twenties. Fewer are towards the thirties, and even fewer towards the forties and retirement. This may be partly why trust deed investing is so appealing. In today’s low-return low-interest-rate environment, trust deed investing is one of the few investment options that can help you substantially increase the amount of your monthly income. And little expense is involved. (Although risk is another matter).What is trust deed investment?Trust deeds are like a private real estate loan. If you’re a real estate entrepreneur (for instance) who wants to snap a fast loan to rehab a piece of property in order to sell at a profit, trust deed investors may be your best choice. They’d give you the loan in a blink’s eye far faster than the bank where it takes drawn out negotiations and filing of hefty tomes until you get that loan. (If at all). The average amount of time is 60 days. Some entrepreneurs cannot wait that long. They need to snap that deal and that’s where the trust deed investor comes in handy. He forks over your required funds within that same week, sometimes that same day at 1/3rd of the paperwork and nil of the stress. The downside is that the borrower pays a much higher rate than he might for a mortgage, typically 8% to 12% (since the investor is taking more of a risk).How does it work?The process is such that the buyer works through a third-party loan originator who underwrites and facilitates the loan for one year. Schedules can be restructured, but generally the borrower makes interest-only payments each month and a balloon payment of the principal once the loan reaches its maturity.So let’s say you’re the investor and you fund 250,000 at 10% APR, you’ll either receive 12 interest payments of $2,083 each, totaling $25,000, and at the end of the year, get back your $250,000. Or, in the worst case scenario, you pocket the defaulting borrower’s land.Other things you’ll want to know…There’s no set minimum for investing in a single trust deed. They can be fractionalized – that is, divided into several portions – but loan originators generally prefer to deal with one investor per loan.Finding trust deeds to invest in can be difficult. Your best bet may be to find an experienced broker or advisor with a history of success. These have likely established relationships with originators and you can work through them. If you don’t want to hunt these deals down, you might invest in a trust deed fund run by a professional manager. These funds currently pay between 8% and 11% per year and have minimum investment amounts that start around $50,000.To acquire credibility, you may want to consider running for SEC licensing.Pluses of investing in trust deedsThe pluses are particularly topical now with the Fed hiking its interest rates and maybe hiking them still higher. Trust deed investments protect you from the shenanigans for rising rates because they’re held to maturity and have short durations. You can also use any sort of cash to invest. You automatically have the right to foreclose on any property when the borrower has defaulted on the loan. Trust deed investing can open the door to other investment opportunities. It also offers a return on investment that comes in at higher than average; expect a typical return of 9 to 14 percent. And, if managed well, this type of investing is secure. This is because it has a guaranteed yield.Minuses of investing in trust deedsThe obvious minus is the very likely possibility of your investment defaulting, namely the borrower not paying you back. This happens to approximately 85 % of private money lenders at some time in their lives, some more than others. Redfin, a residential real estate company that provides web-based real estate database and brokerage services, predicts that it is going to happen to many more this coming year when housing prices are going to lurch beyond restraintManaging risk…How can you prevent losing your money? Experts strongly advise lenders to research client’s credit history and trustworthiness. They also recommend that you research the value of the client’s property and the extraneous market environment to the point that you physically investigate the building yourself. If you’re not up to this, consider hiring an advisor with experience in this market. Before you invest, analyze a fund’s portfolio and the loan loss reserves. As with individual trust deeds, you may want to have a professional do this.In short…NerdWallet, one of the leading advisory websites on investments has this to say: If you exercise due caution, trust deed investments can be a great income generator at a time when investments that produce good returns are few and far between.You may want to consider it.
A Guide to Commercial Lighting Fixtures
Although incandescent lamps are more frequently used in residential lighting applications, some commercial lighting fixtures also used this technology. Incandescent lamps pass current through a filament, which causes the filament to give off light. Because they are relatively short lived, incandescents are used mostly as decorative commercial lighting fixtures. Their ability to render warm colors effectively without ballast makes them well suited to this application, and the enormous variety of bulb designs make them highly soft after source of any type of accent lighting or decorum based commercial lighting design.Fluorescent Lighting Fixtures
Fluorescent lamps are used extensively in commercial lighting fixtures for a number of reasons. First and foremost of these reasons is their ability to use less power than other commercial lighting fixtures, making them very cost effective from an energy conservation perspective. Fluorescent bulbs also produce a very bright light that is evenly distributed, making them ideal commercial warehouse lighting fixtures, canopy lights, security lights, in interior retail lights in discount stores where high levels of general lighting help psychologically motivate larger bulk purchases of discount merchandise.Fluorescent bulbs produce light by activating phosphors on the interior of the bulb using ultraviolet energy generated by a mercury arc. Ballast helps start and operate the fluorescent lamps by regulating electron flow through the gaseous arc. Trends in fluorescent technology have made them more compact, increasing lumens per watt efficiency as high as 100 lumens per watt, and reducing the amount of toxic mercury within the bulbs interior. Fluorescent commercial lighting fixtures are best deployed underneath building eaves (as in the case of canopy lights), near loading docks, in wall packs on the sides of buildings, or as large grocery store or warehouse lights. Placing them too far out into open spaces tends to diffuse their light output and diminish their intensity.High Intensity Discharge (HID) Commercial Lighting Fixtures
HID stands for High Intensity Discharge. It refers to a technology where light is produced by a gaseous arc discharge using a variety of elements. Typical elements include mercury vapor, metal halide, and high pressure sodium. The arc tube within an HID lamp will contain one or more of such elements, and when current passes between the electrodes at either end of the tube, the current creates an arc that generates visible light.HID lamps feature the highest efficiency in lumens per watt output and also feature a greater level of lighting control. They also last longer than other commercial lighting fixtures, making them a wise investment for a company on a Spartan budget that cannot afford to continually replace equipment. High intensity discharge sources include mercury vapor, metal halide, and high pressure sodium (HPS) lamps. Light is produced in HID and low pressure sodium (LPS) sources through a gaseous arc discharge using a variety of elements. Each HID lamp consists of an arc tube which contains certain elements or mixtures of elements which, when an arc is created between the electrodes at each end, gasify and generate visible radiation.Light Sources and Lamp CharacteristicsMercury Vapor (MV) Lighting Fixtures
Mercury vapor lights were the first HID commercial lighting fixtures developed. They were designed originally to meet a rising demand for a very compact, high output, and energy efficient source of light. They are used extensively in a number of landscape lighting applications, being commonly deployed as tree lights in high-end commercial outdoor lighting systems. In other applications they have proven somewhat less effective duo to their inferior color rendering abilities, although this has improved to a certain extent over the years by phosphor coated interior bulb walls.The life of mercury vapor lamps is good, averaging 24,000 hours for larger wattage lamps. However, because the output diminishes so greatly over time, economical operational life is often much shorter. Efficacy ranges from 30 to 60 lumens per watt, with the higher wattages being more efficacious than the lower wattages.As with other HID lamps, the starting of a mercury vapor lamp is not immediate. Starting time is short, though, taking 4-7 minutes to achieve maximum output depending upon the ambient temperature.High Pressure Sodium (HPS) Light Fixtures
High Pressure Sodium (HPS) commercial lighting fixtures gained huge popularity in the 1970s to meet the needs of a powerful, yet super efficient, source of HID lighting. Lumens per watt output in an HPS lamp can be as high as 140 lumens per watt, approximately 7 times the luminance as incandescent lamps and twice that of MV or Fluorescent. They also last for approximately 24,000 hours—the longest lamp light on the market.The problem with HPS commercial lighting fixtures has always been the quality of light they create. HPS lamps give off a yellowish or orange-tinted color and are not acceptable light sources for situations where illuminating a brand, architectural keynote, or any type of ornate exterior landscaping requires a high level of color rendering. For the most part, they are used in applications such as commercial parking garage lighting, warehouse lighting, and certain outdoor applications such as security flood lighting.Metal Halide (MH Lighting Fixtures
Metal Halide (MH) commercial lighting fixtures are fast becoming the preferred source of HID lighting in most commercial environments. This is because they produce a very bright white light that nearly equivalent to daylight in its color rendering ability. The variety of applications is significant as a result, ranging from decorative street lighting, commercial parking lot lighting, car lot lighting, outdoor landscape lighting, architectural lighting, security lighting, and general site lighting. Traditionally, their biggest drawback has been their short lamp life, only 7,500 hours on the average.Newer designs in Metal Halide commercial lighting fixtures include pulse start technology and ceramic metal halide design. These improvements have increased lumens per watt efficiency, control of the light itself through superior dimmability, better stability of color rendering, longer lamp life, and shorter start time.Unfortunately, recent legislation has called for the phase out of certain standard forms of MH commercial lighting fixtures due to their use of incendiary elements that fall under the classification of greenhouse gas sources. This in turn paves the way for the most sophisticated lighting ever developed on our world, and quite possibly, the singular source of lighting used both commercially and residentially in the very near future: LED commercial lighting fixtures.LED Commercial Lighting Fixtures
As technology improves, the ability to create truly white LED light continues to evolve. LED commercial lighting fixtures are featuring higher lumens per watt efficiencies than their initial prototypes initially offered. This has opened the door for a number of architectural lighting and site lighting applications that were previously the exclusive domain of HID commercial lighting fixtures.We are also seeing an upsurge in the use of led commercial lighting fixtures in street and roadway lighting, where a number of municipalities in the United States and Europe have reported some very promising findings in regards to both power cost reduction and the overall quality of street lighting itself.Look for quarterly leaps and bounds in the engineering gains made by LED commercial lighting fixture manufacturers.