Breath is Life. It is the fount of all human power. Our respiratory systems are miraculous and intricate, purifying the body from the inside out. Unfortunately, many of us don't take time to practice proper breathing. What results is lower energy levels, feeling fatigued, foggy headedness, and an overall lower quality of life.
Strong breathers lead better lives. Proper breathing helps to alleviate stress, improves energy, and leaves you feeling clear headed and ready to conquer. Breathing is also how you exercise and tend to the internal organs. Taking a little time throughout the day to breath properly, and even just being mindful of your breathing can make a significant positive impact on your life. But for a really powerful boost to leave you feeling like a super human, here's three nifty breathing techniques practiced & mastered by yogis and enlightened folk since antiquity.
These are breathing techniques to promote abounding health and vigor, rejuvenation, a clear complexion, and an overall new buoyancy in the body.
A Breath For Harmony
- Stand or sit upright and seeing that the spine is straight and align.
- Using your right thumb, close your right nostril and breath in steadily through the left (negative) nostril, counting 4 during the inhale.
- Hold and maintain the breath without any strain for a 16 count
- Closing the left nostril, exhale for steadily through the Right nostril for and 8 count
- Switch and repeat for the other side, closing the left nostril with the left thumb and breathing in through the right (positive).
A Breath for Revitalization
- Stand or sit upright and seeing that the spine is straight and align
- Breath in deep from the abdomen, strong and steadily.
- Hold breath in (nice and easy, no straining!) for about 30 seconds.
- Keep your chest firm and lifted and exhale vigorously, letting out ALL of the air.
- Now relax and let your breath take on a rhythmic nature, mentally repeating some positive affirmations or mantras.
A Breath for Physical Perfection
- Stand or sit upright and seeing that the spine is straight and align, feet firmly planted, with a sense that you are gripping the floor.
- Extend your arms in front of you, clenching your hands, and keeping your arms firm but comfortable.
- Inhale a Complete Breath.
- Continuing to stand strong and firm, swing your arms back as far as they will go, stretching the chest, and then bring them back. Keep this motion firm, smooth, and fluid, and repeat 3 times, then exhale, breath rhythmically and relax.
Breath is Life. Breath strong and spread the word. May the Force be with you.
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 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.
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.
Frugal gifting often gets a bad reputation. However, this shopping method does not make you cheap — it makes you practical. Frugal gifts often avoid waste and overspending and can be just as meaningful (if not more so) as any other present.
With the National Retail Federation predicting each consumer this holiday season to spend upwards of $1,000 on holiday gifts amidst an economic recession —this year might be the perfect time to reconsider your spending budget. We've formulated the ultimate list of frugal gift-giving ideas to get you started.