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Dec 18

Ring In 2020 With These Resolutions for Financial Fitness – Zacks.com

New Year, new beginnings and new resolutions! Its that time of the year when we make resolutions to bridge the gap between what we are and what we want to be. But do you know only 8% of people manage to achieve their New Years resolutions? While we tend to fail in our lofty and unrealistic goals, we try to stick to SMART financial resolutions, which could get our monetary situation on the right track.

As we get ready to roll out the red carpet for 2020, consider these resolutions for better financial health.

Time for Financial Review:

The New Year is a good time to review your financial scorecard of the past year, evaluate your retirement goals, and create a budget, as well as look for ways to increase your net worth, grow your investments and build wealth.

Assess Your Net Worth: Calculating your net worth is one of the starting points to get your financial life in order. Estimating your assets and liabilities gives you a clear picture of your spending and savings, thereby helping you make the necessary changes to achieve your financial goals. So, if you have not been doing that already, make sure to determine your net worth annually and rectify mistakes that could pile up your debts.

Beat Debt: If debt has been impeding your wealth-building efforts, its time to tackle it head on. Figure out your total debts and the associated interest rates, and create strategies to chip away at it. Some people prefer the debt snowball method (involving the payment of smallest debts first), while others like debt avalanche (prioritizing the payment of biggest debts). If debt is getting in the way of your long-term goals, try paying at least twice the minimum required amount, utilizing your tax refund, or balance transfers forcredit card debt. Also, ensure that you monitor your credit score regularly, which lets you know where you stand, and helps you understand the key areas to work on and spot any errors in your credit file.

Prevent Lifestyle Creep, Save More:

Controlling and most importantly, cutting down on how much you spend, will help you save. Dont allow yourself to become a victim of lifestyle inflation i.e. inflating your lifestyle to match your income. This practice robs you of the opportunity to grow and compound your wealth.

Set Your Savings Rate Target: Remember your savings rate is one of the best metrics to help you build wealth and meet your financial goals. Ideally, a 15-20% savings of your income seems appropriate if you start working in your early twenties and intend to work for another 30 years or so. However, if your goals are highly ambitious or you wish to retire early and lead a lavish lifestyle, you should aim for a more aggressive savings rate of 30-40%. Always keep the savings rate target in the percent form because your goal is to save a percentage of what you earn. Insuch a case, if your income rises, your savings increase automatically.

Know Your Savings Vehicles: Enrolling in an automatic savings plan (ASP) can come to good use as a certain percentage of your income will be withdrawn from your checking account every month and would be deposited in your investment account. A good chunk of your paycheck should be allocated toward tax-advantaged retirement accounts like 401(k)s, Roth IRAs, or traditional IRAs. Contribute to your employers 401(k) or 403(b) and use the advantage of the employer match to obtain maximum benefits.

Optimize Your Portfolio:

After you commit to your savings plan, the next task is to invest prudently. Make sure that your investment plans are in sync with your risk tolerance level and long-term goals.

Dont Put All Your Eggs in One Basket: If your investments are concentrated in one particular asset class, your entire portfolio is at risk in case of a downturn in that market sector. In that case, injecting some variety into your investment mix is much-needed. Hence, it is smart to diversify across and within asset classes. It is obvious that the investment strategy of a millennial will differ from a retiree; however, one should aim for a well-diversified portfolio consisting of government securities, stocks, bonds, real estate, gold and the like to sustain volatile market conditions.

Keep a Regular Tab on Your Investments: Apart from diversifying your investment mix, make sure that you monitor and rebalance your portfolio periodically to maintain the right asset allocation to meet your financial goals. This should be done at least quarterly. Remember that a hands-on approach toward evaluating your investments proves way more beneficial than the set-it-and-forget-it strategy.

Reduce Investing Fees & Increase Tax Efficiency: Investment fees are the vampires of the investing world and can significantly reduce your returns. It is advisable toreevaluate investment choices and limit fees. If you are heavily invested in actively-managed mutual funds with a high expense ratio, consider shifting to passively-managed ETFs or index funds to trim fees. If you are already invested in low-cost funds but high advisory fees are limiting your returns, its time to change your financial advisors. Apart from management fees, taxes can also eat into your profits; hence, invest in tax-efficient instruments like corporate/municipal bonds, ETFs and REITs to maximize returns.

Prepare for the Unexpected and Have a Long-Term Vision:

Conducting an insurance requirement analysis and evaluating the existing coverage should definitely be on your to-dolist. Further, if you have not done anything financially to prepare for the post-death management of your assets, its time to protect your estate and secure the future of your loved ones.

Insurance Coverage: Insurance helps provide protection against unforeseen events. Hence its better to have insurance even when you dont need it, rather than not having one at all. Looking at healthcare costs, one should opt for Mediclaim and other health insurances. If you have dependents, opt for an additional life insurance.

Estate Planning: Do you have a will in place and have you reviewed your beneficiary designations? If not, act upon it. While many may believe that a will is only for the super-wealthy, you must understand that a will or an estate plan is one of the most important documents that you will sign in your lifetime. If you have already drafted your estate plan, maybe its time to review that to ensure it suits the current circumstances.

So Get Set to Press the Reset Button

The most challenging thing about resolutions is to be able to stick to them. Remember: dont set unworkable goals. Also, dont bother to do everything at once. So, this New Year, take the opportunity to chalk out your financial resolutions, keep track of your progress and make necessary modifications, when needed.

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Dec 18

Are You Army Fit? Take This Fitness Test to Find Out. – Outside

I thought Id given up playing Army around age nine. But in July, I found myself alone at a high school track on the outskirts of Las Vegas, trying to pass the new Army Combat Fitness Test (ACFT).

I worked my way through five exercises: a set of three deadlifts, a behind-the-head medicine-ball throw, two minutes of hand-release push-ups (rest your torso on the ground and lift your hands at the bottom of each rep), a timed sprint-drag-carry, and pull-up leg tucks. The test wrapped up with a two-mile run. I hit a button on my stopwatch and sprinted into the Mojave Desert, finishing in 13 minutes 10 seconds. Each exercise is worth a maximum of 100 points, and I scored 547 out of 600. Not bad. For infantry the minimum to pass is 420. But the soldiers with the hardest jobsRangers, Night Stalkers, and Green Beretsoften score close to 600, according to multiple sources within the military. To find out if I was Special Forces material, I hatched a plan to train for four weeks and crush the test.

The Army is currently experiencing a fitness crisis. New recruits are often in bad shape, and more than half of U.S. soldiers are injured each year, often because they grind through boot-camp workouts without formal exercise training. As a result, the branch is now rethinking its approach. Step one: overhaul the test.

The ACFTs predecessor was established in the early 1980s and consisted of two minutes of push-ups, two minutes of sit-ups, and a two-mile run. It required no equipment and could be performed anywhere. But it was only 40 percent predictive of how youd perform in combat tasks, says Army major general Lonnie Hibbard. The exercises simply didnt translate to the physical realities of modern warfare. The new version of the test is about 80 percent predictive, he says, because it evaluates agility, explosive power, and upper- and lower-body strength, not just muscular endurance. By October 2020, all recruits will take the updated exam when they enlist and every six months after that. Top Army officials would also like to roll out new on-base gyms staffed by certified trainers. If a soldier fails the test at any time, theyll be placed in a program to improve their fitness.

To prepare I called my friend Doug Kiessewetter, who serves in the Special Forces and helps run Soflete, a company that trains soldiers for Special Forces selection camps. When I mentioned the idea of a perfect score, he reined me in: Your goal is to get the highest score possible, without getting injured. Seeing my weak push-ups score, Kiessewetter assigned me a handful of exercises to build muscular endurance in my chest and arms and instructed me to practice the tests other four exercises to build efficiency. Each week I did an easy five-mile run, keeping my heart rate below 150, and a day of intervals at the track. In total I was working out about five days a week. Come test day, I felt ready.

First up: the deadlifts. Three hundred pounds was easy, so I added 20 more to the bargood enough for 98 points. (See Test Yourself, below.) I maxed out the medicine-ball throw, sprint-drag-carry, and hanging leg raises, and managed 40 push-ups before my arms felt like they were full of battery acid. I failed at 50, earning 90 points. Then I flew through the two miles in 12 minutes 29 seconds for a final score of 588. I mightve kept on running to the recruiters office, but the endorphins wore off before I left the track.

Heres what it takes to pass the ACFTor get a perfect score on each exercise.

Lift the heaviest weight you canthree times.

Max (100 points): 340 poundsPass (70 points): 180 pounds

Launch a ten-pound medicine ballover your head and behind you.

Max (100 points): 13.5 yardsPass (70 points): 8.5 yards

Perform as many reps as possible intwo minutes.

Max (100 points): 70Pass (70 points): 30

For 50 meters each, sprint, drag90 pounds, side-shuffle, farmers-carry80 pounds, then sprint again.

Max (100 points): 1 minute 40 secondsPass (70 points): 2 minutes 9 seconds

While hanging from a pull-up bar, hoist yourself until your arms are at 90 degrees while bringing your knees into your chest, then lower. Complete as many as you can.

Max (100 points): 20Pass (70 points): 5

Finish as quickly as possible.

Max (100 points): 12 minutes 45 secondsPass (70 points): 18 minutes

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Are You Army Fit? Take This Fitness Test to Find Out. - Outside

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Dec 18

Biden’s doc signs off on his fitness. Did we know he has a heart condition? – Hot Air

Remember when President Trump released a letter from his doctor that vouched for his physical and mental fitness? The media mocked it and their Democrat cohorts questioned the medical credentials of the physician. In order to quash frequent musings from political observers over his physical fitness given his advanced age and previous health problems, Biden has released a letter of his own.

Its a three-page summary of Bidens medical history. We already knew about the brain aneurysms in his past but did we know he is being treated for an irregular heartbeat? Kevin C. OConnor, director of executive medicine at the GW Medical Faculty Associates signed off on Bidens health fitness. Biden is also being treated for gastroesophageal reflux and seasonal allergies. Acid reflux and sinus allergies arent anything to be alarmed about but an irregular heartbeat isnt something to gloss over in the same breath.

As a matter of fact, OConnor said that Biden is a healthy, vigorous 77-year-old fully capable of taking on the role of president. OConnor was Bidens physician when he was vice president. The summary is the most complete medical record released on Biden since 2008 when the Obama-Biden campaign provided 49 pages of records. A CT angiogram in 2014 showed no recurrence of brain aneurysms.

Vice President Biden is a healthy, vigorous, 77-year-old male, who is fit to successfully execute the duties of the Presidency, to include those as Chief Executive, Head of State, and Commander in Chief, OConnor wrote.

I sure dont recall heart disease being a part of Bidens medical history in the past, though. The new records trace Bidens irregular heartbeat (atrial fibrillation) to 2003, a discovery made during a routine checkup before his gallbladder was removed. The summary states that Biden wasnt given medication or treatment for it but is on a blood thinner. Atrial fibrillation can cause blood clots.

For the record, Biden is almost 6 feet tall and weighs 178 pounds. His blood pressure is 128/84 and his cholesterol is at 126. He doesnt smoke or drink alcohol and does appear to be in good health for someone his age. He works out five days a week. Stuart Jay Olshansky, a professor of public health at the University of Illinois at Chicago says that is a good sign. Interestingly, though, Joe Biden hasnt submitted to cognitive function tests. Like President Trump came under fire for alleged mental instability, so has Biden.

The most important thing that I saw on there, once you get into your 70s, the one signal that is the strongest of all, that tells you someone is exceptional, is their ability to work out on a regular basis, he said. Working out at least five days a week for someone his age, if thats indeed true, is remarkable.

The only test that hasnt been done is the cognitive functioning test, Olshansky added. But the fact that hes on the campaign trail and meeting a rigorous travel and meeting schedule probably would suffice as a replacement for the formal test for cognitive functioning.

He said that cognitive tests are typically not required unless problems are detected.

I dont think asking a 77-year-old presidential candidate to take a basic cognitive test is going too far, especially given the stumbles weve heard from Biden on the campaign trail. He often appears to be confused about where he is and loses his train of thought.

We know that Biden puts physical vigor at a premium. We hear him challenge others to wrestling matches or sit-up contests. Most of us chuckle and think Ok, Gramps but he must think it makes him look strong. If it ends up being a presidential election race between him and President Trump, the contrast in their campaigns will be interesting. Biden hasnt kept a heavy schedule of campaign events while Trump is known for having multiple events on any given day. Trump refers to Biden as Sleepy Joe. Compared to Biden, Trump is the Energizer Bunny.

The other 70+-year-old candidate with heart problems, Bernie Sanders, promised to release his medical records by the end of the year. Elizabeth Warren and Michael Bloomberg both have letters from their physicians vouching for their good health and fitness to be the next leader of the free world.

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Dec 18

Fitness Friday: Stay FIT with HIIT this Holiday Season – Shoreline Times

The sights, shopping stress and especially the smells that make up the most wonderful time of the year can make it a real challenge to keep up with your fitness goals. While we might all want to act like Santa, come Dec. 26 - stuffed with cookies, napping in a big recliner - instead, challenge yourself to unwrap the gift of fitness.

It starts with a simple plan, a dash of discipline, and voila, youll be able to both enjoy the holidays, and indulgences that come with them, and keep up with your personal wellness goals!

Step 1: Make yourself a priority this holiday season. We spend so much time planning and scheduling scores of holiday parties and gatherings, we neglect ourselves and our fitness. Rather than throwing in the towel and starting over after the new year, restructure your workouts. Dont have time for the gym? You can get an intense workout in your own living room in 20 to 30 minutes that helps keep you energized throughout the day, the week, and right into the new year.

Step 2: Have a workout plan. HIIT (high intensity interval training) is a quick, highly effective way to train your body. HIIT training focuses on intervals of intense bursts of activity followed by short recovery periods. These workouts are designed to get your heart rate up and burn fat - and cookies - in a short amount of time. The best part? You don't need equipment. Your bodyweight will provide just as intense a workout, trust me.

Step 3: That dash of discipline. Schedule 20-30 minutes for yourself and stick to your plan. Give yourself a little space to move, have some water nearby, and HIIT this workout with all the holiday spirit you can muster!

Warmup: 3-5 minutes (jog in place, jumping jacks, high march, squats, walkouts)

Perform each exercise for 45 seconds with 15 seconds of rest in between.

1. High Knees (engages core, works the legs, gets the heart rate up)

2. Mountain Climbers (improves mobility while working multiple muscle groups))

3. Squat Jumps (tones quads, calves, glutes, hamstrings, and core)

4. Push Ups (strengthens lower back, core, triceps, pectorals, and shoulders)

5. Fast Feet (improves speed and agility)

Aim to repeat all moves 4-6 times through. Make sure to cooldown and stretch properly at the end of this workout.

In this season of giving, plan for and give yourself the gift of staying on track with your fitness goals. Wishing you a Merry Fitmas and a Happy New Rear!

Melissa Bonner is a fitness instructor at Priv-Swiss Fitness, an award-winning, upscale, boutique fitness studio, located at 1587 Boston Post Road, Westbrook and 757 Boston Post Road, Madison; phone: 860-391-8735; website: http://www.priveswissfitness.com.

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Dec 18

Sarah Hyland’s Ab Workouts Are Next-Level, and We’re Copying All Her Must-Do Moves – POPSUGAR

We love Sarah Hyland's approach to fitness. The Modern Family actress is all about feeling strong and confident in her body, and the workout content she posts to her fitness Instagram Story reflect that: one challenging exercise after another, focused on building muscle and feeling good. Because for Sarah, workouts aren't all about physical gains; they're also a big part of her mental-health routine. She's been open about her struggles with kidney dysplasia, a condition in which one or both kidneys fail to develop properly in the womb, which has led her to undergo two kidney transplants and multiple hospitalizations. Her chronic condition has kept her from the gym in the past, something she said has given her stress and anxiety.

So you know when Sarah works out, it's because it's something she really loves to do; when she's at the gym, she's making the most of it. Which means the moves she shares are efficient, effective, and crazy-challenging. When Sarah's not pounding out pull-ups and shoulder presses (believe me, we'll be talking about her upper-body exercises another day), she's crushing rounds of ab moves that make our core burn just watching. We were so inspired by her approach to fitness and her next-level core work, we had to collect her favorite ab moves to share with the world. Check them out ahead, and slip a few sets into your workouts for a burn that'll leave you sweating and shaking but also feeling as strong and capable as Sarah! (Make sure to check out Sarah's Instagram to see more of her must-do moves.)

Image Source: Getty / Jon Kopaloff / Stringer

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Dec 18

Win $250 at the Cheers to 50 Years Free Fitness Event – Patch.com

BOLINGBROOK, Ill. LifeStyles Fitness Center is kicking off the year-long Bolingbrook Park District 50th anniversary celebration with a free fitness event. On Saturday, January 11 from 7:00-11:00 am at the Bolingbrook Recreation & Aquatic Complex (200 Lindsey Ln.), you can get the following just by showing up:

FREE Group Exercise Schedule:

Time Class (Length) Level

7:00 am Les Mills Body Pump (55 min) Intermediate

8:00 am Barre Above (30 minutes) Beginner

8:00 am Silver Sneakers Classic (60 minutes) Beginner (ages 55 & up)

8:30 am Zumba (30 minutes) Beginner

9:00 am Les Mills Body Attack (45 minutes) Advanced

9:45 am Les Mills GRIT (30 minutes) Advanced

10:00 am Yoga (45 minutes) Beginner

10:15 am Pound Fit (30 min) Beginner/Intermediate

"We're excited to offer a free event like this to kick off our 50th anniversary," said executive director Ron Oestreich. "We want to show people how fun fitness can be and that we have all the amenities to make this a great place to improve overall health and wellness."

LifeStyles Fitness Center will be a partner in your journey to your better self. You'll have fun along the way at our many events and themed monthly contests and prizes designed to give back to members. More reasons to become a member include:

For more information about LifeStyles Fitness Center, please visit http://www.bolingbrookparks.org or call Elizabeth Blake, Membership Sales Coordinator at (630) 783-6652.

The Bolingbrook Park District is a public parks and recreation agency located in Bolingbrook, Illinois. The Bolingbrook Park District operates two community centers, an indoor/outdoor aquatic park, golf course, banquet hall and restaurant, two fitness centers, two outdoor skate parks, a sports complex, nature center and conservation area, and 48 parks along with their many playgrounds, picnic shelters and over 1087 acres of land.

For more information visit: http://www.bolingbrookparks.org or call (630) 739-0272.

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Win $250 at the Cheers to 50 Years Free Fitness Event - Patch.com

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Dec 18

This Fiery Core Workout to Harry Styles’s "Watermelon Sugar" Will Have Your Abs Burning – POPSUGAR

Take a moment, dear reader, because you're about to feel the need to "breathe me in, breathe me out"! If you are anything like us and have spent every waking moment streaming Harry Styles's album Fine Line since it was released on Dec. 13, we have a workout that's going to put all that listening time to good use. Fitness YouTuber Maddie Lymburner recently choreographed an ab workout set to Harry's catchy "Watermelon Sugar," and it's the perfect excuse to listen to this song even more (if that's possible).

With a combination of fiery crunch variations throughout the chorus, as well as plank jacks and mountain climbers that progress during the verses, this workout is sure to leave your core aflame. Harry's smooth vocals make for a totally unexpected workout song and a not-so-unexpected oblique burn. Maddie often shares her intense, equipment-free workouts set to popular songs on her YouTube channel, and her latest has us ready to grab our mats and hit the floor.

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This Fiery Core Workout to Harry Styles's "Watermelon Sugar" Will Have Your Abs Burning - POPSUGAR

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Dec 18

Lose weight while you sleep with these 9 tips – TODAY

While the idea might sound really far-fetched, it's actually a growing area of research that is showing how its possible to lose weight during sleep.

Modern life is really interrupting the natural circadian rhythms the human body usually follows, according to research from The National Sleep Foundation. In fact, this disruption may be encouraging the body to hold onto fat when it really should not.

There are ways to help counter these effects, though! Here are some tips:

Cardio is great, and there are lots of good reasons it should be a part of an overall fitness plan. But strength training should be, too, especially for anyone who wants to take advantage of nocturnal weight loss.

This is because strength training continues to burn calories after the session is over. This means that a stop off at the gym after work, or even a simple at-home strength workout can keep the body in calorie burning mode all night long, even after bedtime.

Dont have access to a gym or dumbbells? Anyone can use their own body weight to get in strength training.

Do 10 squats before bed, followed by a holding plank for 30 seconds. Or try walking around the house one lunge at a time and then doing modified push-ups on the knees for 5 minutes before hitting the hay.

Trending stories,celebrity news and all the best of TODAY.

Certain yoga poses help to calm and ease the mind of anxiety and tension. Try sitting upright in bed with the legs stretched out in front, then hinging forward at the hips. Feel a stretch in the backs of the legs (the hamstrings), and breathe in for five slow deep breaths and out for five. Feel a melting towards towards the legs and flex the feet. Perform this before bed to help calm down the nervous system and promote better quality sleep.

According to a research study published in Diabetes magazine people who keep their bedrooms at a steady temperature of 66 degrees for one month increased the amount of calorie burning brown fat in their bodies by up to 42% and boosted their metabolism by 10%.

An evening cocktail may sound like it would be super relaxing, but even one alcoholic drink too close to bedtime can impede the body's ability to burn calories the way it should.

This is because instead of focusing on burning fat as it should, the body is busy trying to metabolize the alcohol instead. So while a glass of wine with dinner is OK, leave it at that.

There's an old saying that says eat breakfast like a king, lunch like a lord and dinner like pauper. There really is some truth in it. Eating a big dinner too close to bedtime, just as is the case with alcohol, will take up your body's energy trying to digest instead of detoxing and recharging. So, keep dinner light and small but don't go to bed starving either.

Feeding the body protein every few hours helps stabilize blood sugar levels. And, this speeds up the metabolism all day (and night!) long.

To lose weight overnight, all blue light devices laptop, tablet and/or smartphone need to go. Studies have shown that nighttime exposure to the blue light they all emit disrupts the production of the melatonin the body needs to promote sleep.

In addition, a study conducted by researchers at Northwestern University reported that blue light exposure at night increases hunger and insulin resistance, which can, of course, lead to weight gain and not just the disruption of the body's fat-burning power.

To lose weight during sleep, try getting rid of that nightlight, too.

Research has found that even dim light including light from the street outside delays melatonin production and impedes the production of brown fat. So, in addition to turning off phones and any bedside lights, consider investing in blackout curtains to block light from outside.

Stephanie Mansour is a health & fitness expert and weight-loss coach for women. Join her complimentary health and weight-loss challenge here!

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Lose weight while you sleep with these 9 tips - TODAY

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Dec 18

Losing Weight And Keeping It Off May Reduce Breast Cancer Risk, Study Says – CBS Boston

BOSTON (CBS) Carrying around excess weight puts women at higher risk for breast cancer, but a new study shows if women lose weight and keep it off, they can reduce that risk. And it doesnt take much to make a difference.

Researchers from the American Cancer Society and the Harvard T.H. Chan School of Public Health looked at data on almost 200,000 women ages 50 and older.

They found that women who lost 20 pounds and kept it off had a 32-percent lower risk of developing breast cancer. But losing only 4-to-5 pounds was associated with an 18-percent lower risk. And even if women lost weight and gained some of it back, but not all, they still had a lower risk of breast cancer.

Two thirds of American women are overweight or obese but perhaps some women will be motivated to lose weight knowing it might reduce their risk of breast cancer.

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Dec 18

Weight loss: Can eating banana peels help you lose weight? – Times of India

Well, what if we told you, there is another secret health benefit of the fruit-something that's hiding in its peels?

Yes, before you decide to simply throw away the peels after eating the pulpy fruit inside, think twice. Eating the peels can actually accelerate your weight loss mission in an easier way! Banana peels not just cut out on food wastage, but can also help you ditch the flab a little faster!

According to Australian dietician Susie Bowell, banana peels can be an easy way to lose weight and if consumed regularly, it can provide ample nourishment, specifically to trim down your waistline. Detailing the benefits of the same in a study, Bowell mentioned that eating the peels in any form can increase your overall fiber content (by at least 10%), which is a good addition. Plus, the skin also guarantees a whopping 20% more vitamin B6, vitamin C, potassium and magnesium content, supporting the fact that it is full of nutrition. With the fiber, you stand to regulate your digestion and smoothen up the weight loss problems from the root. Hence, this way, not just the bananas but the peel too can help lose weight faster.

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Weight loss: Can eating banana peels help you lose weight? - Times of India

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