I sat down with Aaron Bernstein, founder of AaronB Fitness. He is an attorney with a personal training certification who recently launched his own fitness program after a life-long love of health and fitness. Here, we discussed his path towards the legal profession, what has inspired him to put more time towards his self-developed fitness program, and advice he can give others who neglect or forget what gives them inspiration and purpose. Life is a balance, work and enjoyment can go hand-in-hand, and it is never too late to make time for something you love.

Aaron B.aaronbfitness.com

What made you choose law as a profession?

I had a technical background. Electrical Engineering. There is a special field of law, patent law, which is the only sort of law practice that only certain people can take up. To be a patent lawyer you must have a science or engineering degree. So, it makes for a good career choice – not that many people can do it. Since law is analytical much like engineering, law appealed to me to. I was lucky to get a scholarship to law school and really enjoy law and my lawyer career.

Name a few of the best things about the legal field that you've experienced and a few of the most challenging.

Practicing law involves a lot of thinking, communicating with clients and opposing counsel, and problem solving. I love to think, and problem solve. That's the engineer in me. Also, I enjoy communicating, explaining things that might be hard to understand. I teach patent law topics a few times a year for one of the well known continuing legal education firms. And I like to help both sides find a middle ground to resolve disputes. I like to try to be the objective, fair, and sensible perspective in the room. That serves everyone in the legal dispute environment.

Most challenging – that relates to the last comment. Practicing law typically involves, each day, engaging in conflict. Whether you are negotiating a business contract or dealing with a lawsuit. People are often emotion-driven rather than practical and rationally driven. As a lawyer, by definition, you represent one side, and you must be the "zealous advocate" for your side. That is literally in the code of lawyer's ethics. Which makes sense. That's why your client hired you. But that means you spend most of your time as a lawyer engaging in conflict. If you're a sensible peace-maker at heart, that can get to you after a while.

When did you decide to get certified in personal training and why?

Since I was a kid, I had enthusiasm for fitness. To be honest, I'm sure it was mostly vanity-driven. I lived for a long time in southern California and I wanted to look good at the beach – smiley face, hah hah. I even lived in Venice Beach (the famous Muscle Beach) and saw Arnold Schwarzenegger there in the gym a few times. World's Gym in Venice California.

Anyway, the fitness industry is always what my "voice inside" told me was my strongest interest. But sometimes if you have the opportunity and the capability you follow the path that conventional society urges. In my case, a high-paying lawyer job in a specialized legal field. Nevertheless, several years out of law school I still wanted to keep the fitness industry in my life in some meaningful way. So, I obtained a Personal Trainer Certification through ACE, American Council on Exercise, one of the more well-established certification organizations. I've held the certification for 17 years now.

What is the inspiration behind and the goal of AaronB Fitness?

I've finally gathered the energy and focus and enthusiasm to really take a run at doing something with my fitness training and interest. The internet, websites, YouTube, and all the social media channels open infinite possibilities to offer value and interest and audience reach that were not available in the past. Seeing the great, helpful, and entertaining things people are doing from an online and social media platform is inspiring. If they can do it, I can too (although I'm not sure I'll ever generate more interest than the quirky cat videos do.) The goal is to truly help people on a practical level. Most of the "fitness industry" is greed-driven false promises that set you up for disappointment. I want to be honest and helpful.

Aaron B in his gymaaronbfitness.com

What makes AaronB Fitness different/better than other fitness plans?

My central proposition is, and we all know this deep down inside, the fitness industry is selling you a lot of "hooey," false promises and unreasonable expectations. Greed-driven, they tell you you'll have six-pack abs or a modelesque bikini body in six weeks if you just join their gym, swallow their pill, or buy their fitness training program. AaronB Fitness is willing to poke fun at this RIDICULOUS, traditional greed-driven fitness industry whose sole objective it to see that you part with your hard-earned money for something that is NEVER going to work in the long run. And more importantly, AaronB Fitness is here to provide you real weight loss and fitness advice in a way that will move you toward your goals quickly and realistically, and in a way such that you'll have fun in the process.

AaronB Fitness aims to entertain and give you truthful, accurate, and realistic weight loss and fitness advice. No lies, no false promises, no impossible expectations that just lead to let-downs. The truth that works and is fun! That's our philosophy and that's the foundations of everything we offer.

Are you trying to reach a specific audience?

Yes. We're trying the reach the "everybody." The "fitness pro" bikini perfect ladies and shirtless guys (real or Photoshopped, who knows?) -- Who are they trying to reach and fool?!?

Time Magazine reported in October of 2017 that according to National Center for Health Statistics, 40% of adults and 19% of young people in the United States are obese (Not just overweight, but clinically obese. And nearly 75% of American men and more than 60% of women are obese or overweight. Nearly 30% of boys and girls under age 20 are either obese or overweight. Now, I'm a big fan of personal responsibility. But the fact is, we've been victims of other greed-driven industries, for example fast food and refined sugar. And now we have a catastrophic health crisis on our hands. I want to help work on addressing that. And as importantly, help people be happier in their lives.

Look, we all love the idea of beach perfect bodies and six-packs abs. Something to aspire to. But that's not what we need to be aiming for. First things first. We need to learn to sensibly drop some pounds, which we'll be very happy with when we look in the mirror. And we need to sensibly bring activity and exercise into our daily and weekly routine. The audience AaronB Fitness is trying to reach is all of us "real people" who need to deal with first things first. Lose some weight. Get active. Get educated about how you can do that in a fun way. In 6 to 12 months we'll start working on the six-pack abs and the perfect beach body.

What has been the most difficult thing thus far setting up your website and program?

Setting up a professional-looking polished website and filming decent quality video Vlogs is pretty complicated. For example, how do you set up taking credit card payments on your website? What camera and microphone and lighting do I need to make quality videos? How do you set up a YouTube channel and a Facebook business page? And also, our first system for sale is a digital interactive product that has a ton of software programming behind it. I did every bit of all of it myself, including all the graphics and web design and photos and videos. And every bit of the First Things First system that we sell from the website. So, there was a huge technical learning curve. But I enjoy that kind of thing, so I had a blast doing it, and I'm definitely still learning.

What would you say to people who think staying in a more "stable" career is the smarter move?

Certainly, that makes practical sense. I will continue to make my legal career as my primary source of income. But don't let life pass you buy. Life is not a dress rehearsal and all those other clichés. If you have a passion for something, don't regret never putting legitimate time into it. Get up a few hours earlier, watch a little less TV and avoid other time stealers to put time into whatever it is that lights your fire.

Do you see any similarities between being a lawyer and being a personal trainer?

Sure. In both fields you deal with people one-on-one. You have clients whom you need to listen to very carefully to understand their goals and objectives. And then very effectively help them accomplish those.

If you could talk to your 18-year-old self, what career advice would you give?

I don't at all regret being a lawyer. It's a terrific career. But I would have put more serious energy into the fitness game much earlier on if I had it all to do over again. What I would tell my 18-year-old self is, listen to your gut. Trust what it is telling you. If there is a pursuit that motivates you to want to get up early in the morning and stay up late at night, do lots of it.

If someone feels stuck in a job or is afraid to make a change, what can you advise them?

Sure. You don't need to make a change. Meaning you don't need to ditch everything and turn to something new and very risky. Rather you just need to gut-up and make the time to add something new to your life and routine that you're passionate about. It takes lots of hard work and discipline, but you will absolutely not regret it. In fact, you will likely regret not doing so.

Do you have a personal motto/mantra?

I think I have many. And from time to time they will be the focus of some of the AaronB Fitness blogs and video vlogs. One that stands out is a paraphrase of a quote from Henry David Thoreau's Walden. Live life deliberately, so that you do not reach the end of your days regretting that had not. That's not the exact quote, but that's how I paraphrase it. Meaning, guide your own life and chose your own endeavors. Don't live someone else's life or society's prescription for you. Don't just go along for the ride. Are you leading life or is life leading you?

Anything else you'd like to share about yourself or AaronB Fitness?

I'm so glad I put the work into launching AaronB Fitness. It's just a baby and it will grow and evolve and improve. But it's a platform now that will let me stay involved with something I've been "shoulding" to do most of my life but put off for so many years. Everyone reading this should gut-up and do the same. Another quote I'm fond of is by a famous ultra-marathon runner, Dean Karnazes. "Somewhere along the line we seem to have confused comfort with happiness." You'll never regret putting hard work into something that matters to you. Rather, you will surely regret not doing so. Just begin. Once you begin you'll see immediately what I mean.

Visit AaronB Fitness for more information and inspiration!

AaronB Fitness aims to make fitness doable for normal, busy peopleaaronbfitness.com

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Developing further skills can boost your career at any stage.

Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.

Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.

But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.

Tableau

Tableau's data visualization capabilities are comparable to Domo and Power BI.

Who is it best for: Those who work with analyzing and presenting data.

Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.

More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.

Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.

Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.

Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.

The Federal Reserve sets the guardrails for the federal funds rate, and through that helps control the money supply for the nation.

When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.

A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.

One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.

The Federal Reserve The Federal Reserve


The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.

This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.

The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.

Getty Images/Maria Stavreva

Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.

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