Payday Advance Loans: Are They Only Reserved For Consumers With Bad Credit?

Many people are under the assumption that payday advance loans are only for those individuals with bad credit. This may once have held true, but today’s payday advance customers certainly do not fall under the same category.

Payday Advance Loans just make Sense

Payday advance loans for consumers with good credit may not make much sense; that is, until you consider the alternatives. The recession and credit (more…)

The Myth of “Maximum Heart Rate = 220-age”

You’ve probably heard of the formula “220-your age” for estimating maximum heart rate. Unfortunately, this formula is not very useful because it can be easily off by more than 20 beats on the high or low side. For me at age 54 this formula says my maximum heart rate should be 166, but I happen to know from more accurate tests that it’s at least 25 beats higher than that.

In books, on exercise machines, and on the (more…)

Tips For Finding the Best Car Loan Rates

Whether it is a brand new BMW or a second hand Chevrolet you have decided to purchase, you are at an equal risk of getting a poor deal on your car loan rate. Help is here so you can be confident that you are not paying through the nose when it comes to your interest rates. The following five tips will ensure that you are finding the best auto loan rates available.

Below are 5 tips you may consider when applying f (more…)

“managing India’s Foreign Exchange Reserves”

“MANAGING INDIA’S FOREIGN EXCHANGE RESERVES”

 

Foreign Exchange Reserves (FER) is the surplus money or capital that a country parks or maintains in the foreign country in form of currency, bond and other kind of securities.

 

Foreign exchange reserves are the foreign currency deposits held by national banks of different nations. These are assets of Governments which are held (more…)

How to calculate your heart rate training zones(1st part)

 

Till now we have calculated both our Resting Heart Rate and Maximum Heart Rate.

These numbers will now help us to calculate our heart rate training zones. It is hypothesized that we can extract maximum benefits from our training ritual if we wisely choose the preferred training zones.

 

Firstly we can calculate our H.R.R. or Heart Rate Reserve:p>

 

HRR = MHR – RHR.

 

Heart Rate Reserve can be considered as a fitness index because as our fitness levels increases, our RHR drops and consequently our HRR increases. Increased HRRs reveal high fitness levels, offering us bigger bpm (beats per minute) margins.

 

Assumptions

 

MHR = 190

RHR = 45

 

In this case, HRR = 190 – 45 = 135.

Let’s now calculate the limits of our recovery zone (60% – 70% of MHR) using the HRR formula (or Karvonen formula).

 

Lower limit = RHR + 0,6 x HRR             or

                      45 + 0,6 x 145                or

                      45 + 87 = 132 bpm.

 

Upper limit = RHR + 0,7 x HRR             or

                      45 + 0,7 x 145                or

                      45 + 102 (about)=147 bpm.

 

Let’s now make the calculations for the other zones.

 

- Recovery zone: 132 – 147 bpm

- Aerobic Endurance zone: 147 – 161 bpm

- Anaerobic zone: 161 – 176 bpm

- Speed or red line zone: 176 – 190 bpm.

 

Before we go on let’s debunk once more the fat burning zone myth.

What does this myth say?

This myth instructs people to exercise at low intensities.

Why?

Because at lower intensities a higher percentage of calories burnt is from fat. That’s true! But the misconception comes with the confusion between simple maths principles: absolute numbers and sizes from the one, percentages from the other.

 

Let’s see an example:

 

end 1st part

Chris Strogilis

 

Civ. Eng. – MBA – DipM

http://totalfitness-christos.blogspot.com (more…)