Thursday, May 31, 2012

cardio | Tucson Kettlebell

I get the question all the time. I have come off at times as the Anti-Cardio guy or I should say aerobics. For people not in the fitness industry I will take a couple sentences to explain some differences in cardiovascular training. First, there is the aerobic cardiovascular training. You would be correct in thinking of dancing aerobics classes. Aerobics have been around even before Jane Fonda made it famous years ago. ?Without going into the biochemistry of it all, Aerobics means your body is utilizing lots of oxygen in your activity level. When working aerobically your body does use fat as a main source of fuel which does make aerobics a favorable option for burning fat. You can usually do aerobic activity for extended periods of time without suffering from fatigue. FYI you are very aerobic when you are sleeping as well, it doesn?t mean that you can burn tons of fat by just sleeping all day. Unfortunately once people realized aerobics burned fat it started a huge explosion in aerobics based classes and training, and unfortunately when done in excess it seems that a less favorable body fat percentage is achieved. Just ask the women who join the gym and take aerobic classes 5 + times per week and don?t ever see the results they want! Does this mean that aerobics is useless? Well I will come back to that. The next part of cardiovascular training is called Anaerobic training. ?So unlike the marathon runner that is very aerobic and can run for hours without stopping, an anaerobic state of conditioning involves high intensity bouts of training followed by periods of rest. The best way would be thinking of a sprinter.

? ? ?Lately in the fitness industry the biggest buzz is about focusing on high intensity interval training (HIIT). It is just a way of training the anaerobic system. To tell you the truth I have been a big fan of this training for the past few years and the research that has come out regarding HIIT show that it has benefits in the fat loss game. Much of it has to do with the hormone response that it causes in the body that promotes fat loss and muscle gains for hours post workout. The biggest benefit is that these workouts are usually done in under 20 minutes. ? This type of training is why kettlebells have really made a huge impact because they lend themselves nicely to this type of training without all the impact of running or sprinting.

? ? ? So now that I have explained what most of you know, why the hell am I writing this, well the biggest reason is to find a balance. I have trained numerous aerobics instructors that have taught an upward of 15-20 aerobic classes per week and they have a less than favorable body fat percentage. I was recently at a fitness expo that I was presenting to a room of aerobics instructors. I asked how many felt that they had extra body fat and felt soft? Well over half the room raised their hand. The biggest reason of this discrepancy may not be the excessive aerobic training but maybe to do with the lack of a strength focus and undernourishment, though I think this could be a hefty discussion as well. ?There has been a huge shift in the fitness industry that has shunned aerobics completely calling it out dated and the new camp calling for all HIIT training alone as the only and superior method of training. Kettlebells, Sleds, Ropes, and numerous other tools have been utilized to feed into this craze. Heck I have a gym that is all of the above. ?It?s funny how these things happen. A huge ?aerobics only? culture that has proven that it can?t be the only method of training leads towards a huge Anaerobic training culture just to find out that both have a place in training. Granted we don?t need an NFL Football player running 5 miles per day as that would be detrimental to his performance, but building a solid aerobic ?base is extremely beneficial to athletes.

Here are my problems with HIIT only training in my opinion. It starts with the name. HIGH INTESITY. Even though it is done in short bursts and only for 20 minutes, it leads itself to overuse injuries and really ramping up the nervous system. I am a big believer in Kettlebells hence the name of this blog and my gym, but after someone just gets done training a heavy strength workout with a finisher what should they do tomorrow? Sure rest is an option but if they are training 3x week with strength and anaerobic conditioning what about the other days? Do they need to do high intensity explosive sprints to keep their body moving and to experience health benefits? I think in many cases this high, high, high can really lead to overuse and overtraining by really jacking up the nervous system. This is where my thoughts are really changing towards. Building an aerobic base can definitely be achieved by using aerobics as accessory work and days between strength training. The fear of losing strength by doing aerobics is very misplaced. Sure, If I am training a world class powerlifter I don?t want him doing 2hours of cardio a day, but for the regular person looking to get stronger and leaner this Aerobic conditioning 2-3 days per week for 30 minutes should not hurt anything and can only add to the benefits of training. Training aerobics can be achieved numerous ways: Walking at a fast pace, cycling, jump rope, light circuit training with lower intensity, ellipticals, versa-climbers, light kettlebell swings in a timed circuit , etc??. My favorite is walking at a fast pace for at least 30minutes to an hour. Again, if someone is only walking for exercise it is better than doing nothing but having a more well rounded program would be well advised to see benefit.

In the middle of me writing this blog I decided to post the question to lots of other trainers and fitness people that I know? The funniest thing is those that are on top of things in the industry all pretty much agreed in the need for having aerobics as a part of a program. IF you want to see all the comments add me as a friend on facebook..

? ? ?I just wanted to put it out there, that just leaning to one side only of training is never the best solution and time after time we tend to fall into a state of ignorance as an industry or sects of an industry. ?So just as I would tell a client to add strength and anaerobic training to their training if they are only doing aerobics, I will tell all of you that are only doing HIIT and Strength to start adding some lighter intensity aerobics back into your program..

If you are interested in looking in to some other reads that were presented to me while I was writing this blog have at it. Not that I agree with all of it, I can definitely say that all lead to understanding there needs to be a balance..

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Nepal's opposition vows protests to topple PM

(AP) ? Nepal's opposition parties said they will team up to topple the government, as they accused the prime minister Wednesday of having no moral or legal grounds to stay in power ahead of new elections.

Prime Minister Baburam Bhattarai's opponents say he lost his legitimacy Sunday when the term of the country's Constituent Assembly expired without agreement on a new constitution. Bhattarai has said he will lead a caretaker government until another assembly is picked in elections he called for November.

The leader of the Nepali Congress party, Arjun Narsingh, said his and 14 other parties have agreed to hold rallies and street protests aimed at pressuring Bhattarai to resign.

"We are not against elections, but we don't want Baburam Bhattarai to conduct the elections," Narsingh said. "We are demanding a new government that would have representation from all major political parties to ensure that the polls are free and fair."

Writing the new constitution was supposed to cap an interim period aimed at solidifying details of Nepal's democracy after the country turned the page on centuries of royal rule and resolved a decade-long Maoist insurgency by bringing the former combatants into the political mainstream.

The assembly was elected in 2008 under a two-year term that was renewed four times as parties bickered over the details of a constitution, including whether the country's states should be drawn to give regional power bases to ethnic minorities.

Its term expired Sunday after the Supreme Court rejected any further extensions, leaving the Himalayan nation with no legal government.

The opposition has claimed that rather than calling for fresh elections, a vote could been held on whether to allow the assembly to continue as a parliament.

Pradeep Gyawali of the Communist Party of Nepal (United Marxist Leninist) said Bhattarai's decision to let the assembly expire without such a vote showed he wanted to hold on to power in any way possible.

"This just shows that Bhattarai's intention was to continue in power without a legislature to check on him," Gyawali said.

Both Narsingh and Gyawali said they plan to meet again to finalize their protest plans.

Legal experts have said any plans for new polling should be made in consultation with the country's other political parties.

Associated Press

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Wednesday, May 30, 2012

Home equity loan: Cheap finance with ease | Finance World

May 30 2012

A sweet home becomes sweeter when it acts as an asset during tough times. Home equity loan provide borrowers with a solution to release the equity in their home. You need not sell your home to get the money you need. This particular loan will be secured on the borrower?s home, without affecting his or her existing mortgage. These loans allow people to borrow the money at relatively low rate of interest and manageable monthly payments. The biggest advantage of a home equity loan is that interest on it is tax deductible. With a home equity loan, one can borrow a percentage of his or her home?s value. A borrower can use this loan for any purpose.

Such loans can be used for making improvements at home. These improvements may increase the value of the home. Home equity loans have become increasingly popular in the past few years. With property values rising, more people have realized the benefits. They allow you to borrow a certain amount of money, using your home?s equity as collateral. Most people use this amount for debt consolidation, college educations, vacations or car purchases. It is a secured loan. All secured loans are cheaper in terms of the rate of interest. This secured loan is appreciated over other loans because lenders are more lenient about the terms and conditions.

The home owners can utilize this financial help for any purpose as it is cheaper than most other types of loans. The home equity loan application requirements are quite simple. The additional details for equity loan application include the proof for ownership of home, and the proof for your current equity in home. The main advantage of these loans is its longer repayment periods. Most of the people intend to apply for such loans, in order renovate or reconstruct their home. Don?t apply for these loans just for the sake of it. Apply for it when you are in an emergency or in a need of money. These are also known as second mortgage loans. Such loans help a borrower get the cash in their home without selling it.


About the Author: Aaden Marsh is Advisor of Home Equity Loans Australia.For any information regarding Home Equity loans, Seniors home equity loans visit http://www.homeequityloansau.com

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Former Secretary of State Rice to endorse Romney

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Early returns from Texas (Powerlineblog)

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Mystery LG LE970 claims next-gen Adreno graphics, can't quite prove it

Mystery LG LE970 claims next-gen Adreno graphics, can't quite prove it

Maybe our skeptic's goggles have fogged over with excitement, but there's something mightily interesting about an entry over at GLBenchmark. First off, the model number and listing info vaguely suggest it could be a variant of the LS970 superphone rumored for Sprint, aka the LG Eclipse, although the ICS build ("geeb_att_us-eng 4.0.4") indicates this 1280 x 720, 1.5GHz device is one of Ma Bell's. One of the more unusual specs offers some corroboration: the Adreno 320 graphics, which only come in the souped-up Pro or quad-core variants of Qualcomm's latest Snadragon S4 chipset. That would make the LE970 a rare breed indeed, but unfortunately that's where the evidence runs out of steam. The handset's actual 2.1 Egypt Standard benchmark only shows a score of 59.5fps -- exactly what we get from an HTC One S with its regular non-Pro CPU and Adreno 225 GPU. Oh well, where are those lens wipes?

[Thanks, Ketul]

Mystery LG LE970 claims next-gen Adreno graphics, can't quite prove it originally appeared on Engadget on Mon, 28 May 2012 09:30:00 EDT. Please see our terms for use of feeds.

Permalink   |  sourceGLBenchmark  | Email this | Comments

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Hong Kong's Kwok brothers renew bail; bribery case saps confidence

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Facebook smartphone could come by next year: report

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Tuesday, May 29, 2012

Rolling Thunder! Biker vets invade Washington

[ [ [['Connery is an experienced stuntman', 2]], 'http://yhoo.it/KeQd0p', '[Slideshow: See photos taken on the way down]', ' ', '630', ' ', ' ', ], [ [['Connery is an experienced stuntman', 7]], ' http://yhoo.it/KpUoHO', '[Slideshow: Death-defying daredevils]', ' ', '630', ' ', ' ', ], [ [['know that we have confidence in', 3]], 'http://yhoo.it/LqYjAX ', '[Related: The Secret Service guide to Cartagena]', ' ', '630', ' ', ' ', ], [ [['We picked up this other dog and', 5]], 'http://yhoo.it/JUSxvi', '[Related: 8 common dog fears, how to calm them]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 5]], 'http://bit.ly/JnoJYN', '[Related: Did WH share raid details with filmmakers?]', ' ', '630', ' ', ' ', ], [ [['accused of running a fake hepatitis B', 3]], 'http://bit.ly/KoKiqJ', '[Factbox: AQAP, al-Qaeda in Yemen]', ' ', '630', ' ', ' ', ], [ [['have my contacts on or glasses', 3]], 'http://abcn.ws/KTE5AZ', '[Related: Should the murder charge be dropped?]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 5]], 'http://yhoo.it/JD7nlD', '[Related: Bristol Palin reality show debuts June 19]', ' ', '630', ' ', ' ', ], [ [['have made this nation great as Sarah Palin', 1]], 'http://bit.ly/JRPFRO', '[Related: McCain adviser who vetted Palin weighs in on VP race]', ' ', '630', ' ', ' ', ], [ [['A JetBlue flight from New York to Las Vegas', 3]], 'http://yhoo.it/GV9zpj', '[Related: View photos of the JetBlue plane in Amarillo]', ' ', '630', ' ', ' ', ], [ [['the 28-year-old neighborhood watchman who shot and killed', 15]], 'http://news.yahoo.com/photos/white-house-stays-out-of-teen-s-killing-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120411/martinzimmermen.jpg', '630', ' ', 'AP', ], [ [['Titanic', 7]], 'http://news.yahoo.com/titanic-anniversary/', ' ', 'http://l.yimg.com/a/p/us/news/editorial/b/4e/b4e5ad9f00b5dfeeec2226d53e173569.jpeg', '550', ' ', ' ', ], [ [['He was in shock and still strapped to his seat', 6]], 'http://news.yahoo.com/photos/navy-jet-crashes-in-virginia-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/cv/ip/ap/default/120406/jet_ap.jpg', '630', ' ', 'AP', ], [ [['xxxxxxxxxxxx', 11]], 'http://news.yahoo.com/photos/russian-grannies-win-bid-to-sing-at-eurovision-1331223625-slideshow/', 'Click image to see more photos', 'http://l.yimg.com/a/p/us/news/editorial/1/56/156d92f2760dcd3e75bcd649a8b85fcf.jpeg', '500', ' ', 'AP', ] ]

[ [ [['did not go as far his colleague', 8]], '29438204', '0' ], [ [[' the 28-year-old neighborhood watchman who shot and killed', 4]], '28924649', '0' ], [ [['because I know God protects me', 14], ['Brian Snow was at a nearby credit union', 5]], '28811216', '0' ], [ [['The state news agency RIA-Novosti quoted Rosaviatsiya', 6]], '28805461', '0' ], [ [['measure all but certain to fail in the face of bipartisan', 4]], '28771014', '0' ], [ [['matter what you do in this case', 5]], '28759848', '0' ], [ [['presume laws are constitutional', 7]], '28747556', '0' ], [ [['has destroyed 15 to 25 houses', 7]], '28744868', '0' ], [ [['short answer is yes', 7]], '28746030', '0' ], [ [['opportunity to tell the real story', 7]], '28731764', '0' ], [ [['entirely respectable way to put off the searing constitutional controversy', 7]], '28723797', '0' ], [ [['point of my campaign is that big ideas matter', 9]], '28712293', '0' ], [ [['As the standoff dragged into a second day', 7]], '28687424', '0' ], [ [['French police stepped up the search', 17]], '28667224', '0' ], [ [['Seeking to elevate his candidacy back to a general', 8]], '28660934', '0' ], [ [['The tragic story of Trayvon Martin', 4]], '28647343', '0' ], [ [['Karzai will get a chance soon to express', 8]], '28630306', '0' ], [ [['powerful storms stretching', 8]], '28493546', '0' ], [ [['basic norm that death is private', 6]], '28413590', '0' ], [ [['songwriter also saw a surge in sales for her debut album', 6]], '28413590', '1', 'Watch music videos from Whitney Houston ', 'on Yahoo! Music', 'http://music.yahoo.com' ], [ [['keyword', 99999999999999999999999]], 'videoID', '1', 'overwrite-pre-description', 'overwrite-link-string', 'overwrite-link-url' ] ]

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Monday, May 28, 2012

Family And Consumer Law-- The Blog: So all he had to do was ASK ...

Student loan litigation can be a bewildering forest of principles, with a meandering path through them that leads down byways of confusion... I'm getting a little lost in the analogy here, so I'll get right to the problem, which is: Are student loan collectors bound by state and federal law governing debt collection practices?

And the answer, as every good lawyer knows, is "Pay me my fees and I'll look it up for you."

Ha! Just kidding.? The actual correct legal answer is Maybe.?

Student loan collectors have been held liable in some courts for violating federal laws -- Patzka v. Viterbo was a well-written (if you ask me, as I am relying on it in another case) case by Judge Crabb from the Western District of Wisconsin, finding that a college could be held indirectly liable for illegal activities engaged in by its collection agent -- but in other courts have been let off the hook, even when it seems they're really skirting the legality of their actions.

Consider Fischer v. UNIPAC, a 1994 case out of Iowa.? Fischer was a med student who graduated owing $150,000 in debt.? (Is that all? Amateur.)? He had to do a residency, though, and so he applied for a one-year deferment, filling out the application and submitting a letter that said he needed 1 year of postgraduate residency.?

A year later, Fischer was still in his residency, and he submitted an application for a second year of deferment.?

Unfortunately, federal law allowed for only one year when Fischer submitted his new application.

Fortunately, federal law was changed shortly thereafter to let Fischer get a second year of deferment!

Unfortunately, Fischer's servicer, UNIPAC, didn't want to give Fischer a second year of deferment.

Fortunately, Fischer got himself a lawyer to handle this!

Unfortunately,? that didn't work.

Here's what happened: Fischer hired himself a lawyer, who wrote repeatedly to UNIPAC to insist that UNIPAC (a) give Fischer the deferment, as now allowed by federal law, and (b) quit calling Fischer, and go only through the lawyer.

UNIPAC's position was (a) no and (b) don't tell US what to do.? (I'm paraphrasing.)? They kept contacting Fischer (apparently they were the only servicer who didn't give him that second year of deferment to which federal law now entitled him) and demanding payment and declared him in default and eventually Fischer sued, alleging that state and federal laws governing debt collection had been violated and that UNIPAC had violated the Higher Education Act, which required it to give him a deferment.

And, as you know, he lost.? (See, supra, "that didn't work.")

Fischer lost on the whole "But federal law requires that you give me a deferment" because, as it turns out he never actually correctly applied for the second year of deferment that he was entitled to.

Wait, what?

Here's what the Supreme Court of Iowa said, after reviewing the record:



This case presents a classic example of miscommunication. Although we find it regrettable the parties could not uncross their wires during ten months of written and oral communications, we conclude Fischer simply failed to establish that he was entitled to the additional year of deferment. During his deposition Fischer testified that he understood UNIPAC's position with respect to the denial of his request. When asked what evidence he submitted to support his eligibility under the degree or certificate provision, Fischer mentioned the July 7 deferment form and also stated he "had Don Carr correspond with them and tell them." Fischer added that the December, February, and May letters to UNIPAC clearly referenced the two-year internship provision and even pointed out that federal regulations had changed.

????????Even assuming the correspondence on Fischer's behalf adequately identified the specific type of deferment Fischer sought, we find no evidence that Fischer provided UNIPAC with the requisite statement from an authorized hospital official certifying that he was serving in a qualifying program leading to a degree or certificate in family practice. See 34 C.F.R. ? 682.210(n)(1). The only documents UNIPAC possessed to support Fischer's claim related to the provision which was the basis for his first-year deferral. Further, the correspondence merely contained general assertions that Fischer was entitled to a second year of deferment because he remained in an internship program.


So he never properly applied for one.

It seems kind of unfair that the lender never said "Well, just submit a new form and we'll consider it," doesn't it?? But before you conclude that UNIPAC was being unfair, remember that we have set up a system in which seemingly every incentive for servicers is geared to not deferring strenuous collection efforts.? So UNIPAC wasn't just being a jerk, maybe -- they were responding to incentives that encourage them to default rather than defer.?

What about those debt collection practices?? The Supremes in Iowa said Iowa state law was pre-empted by the Higher Education Act and its attendant regs, based on a 1990 Secretary interpretation and on the regs themselves.? Those regs read:

Preemption. The provisions of this section?
(1) Preempt any State law, including State statutes, regulations, or rules, that would conflict with or hinder satisfaction of the requirements or frustrate the purposes of this section; and

?

(2) Do not preempt provisions of the Fair Credit Reporting Act that provide relief to a borrower while the lender determines the legal enforceability of a loan when the lender receives a valid identity theft report or notification from a credit bureau that information furnished is a result of an alleged identity theft as defined in ? 682.402(e)(14).

?

The Court didn't explain how requiring debt collectors to do things like "communicate with attorneys rather than debtors" would frustrate or hinder collection.? The power of the Courts comes from their ability to reason and convince:? saying something is so because we said it is what parents do, and everyone knows parents are arbitrary and unconvincing.? But that's the ruling as it stood in Iowa:? Requiring UNIPAC to follow Iowa law governing debt collectors would hinder debt collectors.? Which as I read it sounds true, I suppose, so let's finish up by noting that the Iowa court got it right when it said that the FDCPA, meanwhile, didn't apply to UNIPAC because they weren't a debt collector -- the debt wasn't in default when UNIPAC took over the servicing.

Good job, Supreme Court of Iowa!? Just don't mess it up... oh, and the Court also held that Congress didn't intend to make people like student loan servicers subject to the FDCPA. Without bothering to explain that unnecessary ruling:

Further, we believe that collection efforts by holders of federally insured student loans or their servicing companies are simply not the kind of activity Congress intended to regulate. See Perry v. Stewart Title Co., 756 F.2d 1197, 1208 (5th Cir.1985), modified on other grounds, 761 F.2d 237 (mortgage servicing company is not a debt collector under the FDCPA). The legislative history of section 1692a(6) provides: "The committee intends the term 'debt collector' ... to cover all third persons who regularly collect debts for others. The primary persons intended to be covered are independent debt collectors." S.Rep. No. 95-382, 95th Cong., 1st Sess. (1977), reprinted in 1977 U.S.C.C.A.N. 1695, 1697-98; see also Perry, 756 F.2d at 1208; Games v. Cavazos, 737 F.Supp. 1368, 1389 (D.Del.1990); Kimber v. Federal Fin. Corp., 668 F.Supp. 1480, 1485-86 (M.D.Ala.1987). ????????

?

We conclude UNIPAC is not an independent debt collector subject to the provisions of the FDCPA.?

?

Having dished out some unnecessary rulings, the Court went on to hold that Fischer's intentional interference with contract and defamation claims failed because UNIPAC had the right and the duty to report the status of the loans correctly.??

So no matter how you stack the cards, they were stacked against Fischer on this one, and he lost.

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Broadway stars prepare to welcome President Obama

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Sunday, May 27, 2012

WATCH: Mayor Castro responds to ring-less Barkley

by Kens5.com Staff

kens5.com

Posted on May 26, 2012 at 12:20 PM

Updated today at 4:49 PM

SAN?ANTONIO?-- After the country suffered through Charles Barkley's ridiculous jabs against San Antonio, Mayor Julian Castro took the time to respond to the 'Round Mound of Rebound'.

WATCH:

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