With the weather outside so frightful, it’s understandable if thoughts of travel are filling your head. Whether you have a winter getaway in mind, or you’re trying to get a head start on summer vacation planning, here are a few money-saving tips that you should keep in mind:
Credit Cards Are The Best Way To Go
While everyone thinks about paying for a vacation from an affordability standpoint, few consider what type of payment to use once there. What method of payment for airfare, lodging, and other accommodations, will you use? Will you use your credit card, debit card, cash, or even checks, when applicable?
Credit cards are the best way to go. They save on both cost and hassle. They offer a wide array of money-saving benefits and protections that are not available with cash, or even debit cards.
Best Exchange Rates
Currency conversion is a factor whenever you travel internationally. Exchanging dollars for the local currency can either save you or cost you a lot of money. According to CardHub’s Annual Currency Conversion Study, Visa and MasterCard both offer lower exchange rates than local banks or Travelex. Instead of converting physical currency, you should take a Visa/MasterCard credit card with you on your international travels. This way, your money can be converted automatically at the point of sale.
Complimentary Rental Car Insurance
Most credit cards automatically provide rental car collision and damage insurance coverage. You simply decline the rental company’s supplemental insurance (which is money-saving in-and-of-itself) in order to use the credit card insurance.
Rewards for Usage
Credit cards offer spending-based rewards. Accumulate points to help with ongoing expenses, earn free hotel nights, or even a free flight. Many credit card companies offer impressive rewards bonuses to entice new customers. Presently, the Chase Sapphire Preferred Card will give you a $400 statement credit for spending at least $3,000 during the first three months; the Barclaycard Arrival Card offers $400 to use for any travel-related expense when you spend at least $1,000 in the first three months. These awesome incentives pay you to vacation! Keep in mind that you need excellent credit to qualify for such offers.
If criminals somehow get your credit card information and charge expenses to your account, you won’t be held liable for payment. The four major networks–Visa, MasterCard, American Express, and Discover–offer blanket $0 liability guarantees.
The same protection also covers debit card transactions, as long as you choose to verify your transaction by signature rather than PIN. However, with a debit card, money from your account is removed immediately at the time of transaction. You must make a claim with the bank to get your money back, and to prevent automatic monthly payments from being declined due to insufficient funds. With a credit card, you have the ability to spot and correct fraud before you make a payment on your account.Money-saving is impossible If someone steals cash right out of your pocket or purse–there’s simply no getting it back. If a credit card is stolen however, all you will need to do is deactivate that card, and have your issuer ship an emergency replacement.
The above is not meant to say that you should rely exclusively on a credit card for all travel-related spending. That is just not possible. There will always be merchants and service providers who only take cash. Along with a credit card, you should also carry an ATM card that has low, international ATM-withdrawal fees, so you are able to get to your cash, no matter where in the world you are visiting.
If you are planning an overseas trip, make sure to watch out for a merchant practice called “dynamic currency conversion.” This is when a merchant offers to convert your purchase total into dollars, using the reason that it is for your convenience. This convenience is really so the merchant can overcharge you on the exchange rate and increase their own profits.
These tips and tidbits are a lot to consider. However, by keeping in mind these money-saving ideas, you will be able to plan the perfect trip. Use these tips to get you through the colder months and off to your vacation paradise!
Bodyweight exercises are gaining ground in the fitness world due to the practicality and simplicity of getting in shape using your own body weight. Planks are one form of bodyweight exercises that will never go out of fashion. Planks are one of the most effective exercises you can do. Why? Because they require a small time investment on your part, and offer the chance to achieve substantial results in a relatively short span of time.
Why is it important to train up our core strength?
There are numerous sites and blogs which detail ways to build your core muscles or core strength. Often though, these sites neglect to explain what your core muscles actually are, and why building them is important.
This is quite surprising, as core muscles are quite easy to explain. Your core muscles are a series of muscles in your midsection, and are used in most forms of movement. Though they aren’t housed in your arms or legs, your core muscles can help transfer force from one limb to another, or are used in addition to muscles in your arms or legs to increase their effectiveness. As such a strong core will make a big improvement on your ability to move and exercise further.
Also they are great for helping other muscles in your midsection such as your abdominal muscles. Your abdominal muscles are important for supporting your back and spinal column, and as such are important aids in preventing injuries. However for them to be most effective you need to spend a lot of time developing your core muscles.
In short, planking exercises can make a huge improvement in your muscles down your whole body. Making them a hugely effective exercise to perform.
One Exercise, multiple benefits
There are few forms of exercise as effective at building your core as planking exercises. However, planking exercises benefit far more than just your core strength.
By holding yourself in the position for a planking exercise, you’ll notice that your biceps, neck, and shoulder muscles are also being tested and strained. This this encouraging their buildup and development. This is great news if you like to do press ups, developed shoulder muscles will have a big impact on your press up performance.
When planking, you are holding yourself up through your arms and biceps and so by holding a planking position, your arm muscles are being toned and developed. Making planking a great alternative exercise to other forms of bicep developing exercises.
Moving down your midsection, successful plank exercises actually develop the muscles in your butt! These muscles tend to be ignored by a lot of exercises, so this is another great benefit of plank exercises.
In much the same way as you develop your biceps and arm muscles, holding the planking position helps develop the muscles in your thighs too.
What is even better is that planking exercises don’t take much time at all. In fact you should probably only spend about ten minutes max per day in the planking exercise.
What will happen when you start doing planks every day
1. You’ll improve core definition and performance:
Planks are an ideal exercise for the abdominal muscles exactly because they engage all major core muscle groups including the transverse abdominus, the rectus abdominus, the external oblique muscle, and the glutes. The importance of strengthening each muscle group cannot be underestimated either, for all of these groups serve their own purpose. If you strengthen these muscle groups you will notice:
Rectus adbominis: improved sports performance, particularly with jumping. This muscle group is also responsible for giving you the renowned six pack look.
Oblique muscles: improved capacity for stable side-bending and waist-twisting
Glutes: a supported back and a strong, shapely booty.
2. You’ll decrease your risk of injury in the back and spinal column
Doing planks is a type of exercise that allow you to build muscle while also making sure that you are not putting too much pressure on your spine or hips. According to the American Council on Exercise, doing planks regularly not only significantly reduces back pain but it also strengthens your muscles and ensures a strong support for your entire back, especially in the areas around your upper back.
Check out this article if you would like to find out about how doing planks on different surfaces can impact the effectiveness of this exercise in strengthening your core.
3. You’ll experience an increased boost to your overall metabolism
Planking is an excellent way of challenging your entire body because doing them every day will burn more calories than other traditional abdominal exercises, such as crunches or sit-ups. The muscles you strengthen by doing this exercise on a day-to-day basis will ensure that you burn more energy even when sedentary. This is especially important if you are spending the majority of your day sitting in front of a computer. Also, making it a daily 10- to 1 minute home exercise before or after work will not only provide an enhanced metabolic rate but it will also ensure that that metabolic rate remains high all day long, (yes, even while you are asleep).
4. You’ll significantly improve your posture
Planking exercises have a great impact and improvement on your posture. This is great news as a strong posture brings with it a huge number of fantastic benefits .
A good posture keeps your bones and joins in the correct alignment which means both your bones and joints will be better maintained and more healthy, but also means the overall effectiveness of your muscles will be improved.
A good posture will ensure your back or spine is in the correct position and so you will suffer less back pain.
On top of everything, someone with good posture looks better, healthier, and more confident.
5. You’ll improve overall balance
Have you ever felt that when you tried standing on one leg, you couldn’t stand up straight for more than a couple of seconds? It’s not because you were drunk- unless you happened to be at the time!- but rather, it’s because your abdominal muscles weren’t strong enough to give you the balance you needed. Through improving your balance by doing side planks and planks with extensions you will boost your performance in every kind of sporting activity.
6. You’ll become more flexible than ever before
Flexibility is a key benefit of doing planks regularly, for this form of exercise expands and stretches all your posterior muscle groups – shoulders, shoulder blades, and collarbone – while also stretching your hamstrings, arches of your feet, and toes. With a side plank added in to the mix, you can also work on your oblique muscles. This will provide you with further benefits when it comes to hyper-extending your toes, a movement that is crucial for supporting your body’s weight.
7. You’ll witness mental benefits
Plank exercises have a particular effect on our nerves, making them an excellent means of improving overall mood. How? Well, they stretch out muscle groups that contribute to stress and tension in the body. Just think about it: you are sitting in your chair, at home or at work, all day long; your thigh muscles get tight, your legs get heavy due to being bent for several hours; and tension develops in your shoulders due to being forced to slump forward all day. These are all circumstances that put too stress on the muscles and nerves. The good news is that planks not only calm your brain, but they can also treat anxiety and symptoms of depression– but only if you make it part of your daily routine.
How to hold a plank position
Get into pushup position on the floor.
Now bend your elbows 90 degrees and rest your weight on your forearms.
Keep your torso straight and rigid and your body in a straight line from ears to toes with no sagging or bending.
Your head is relaxed and you should be looking at the floor.
Hold the position for as long as you can.
Remember to breathe. Inhale and exhale slowly and steadily.
When your form begins to suffer, pull the plug. You’re only benefiting from the plank by actually doing the plank.
Watch the video if you have any doubt!
Here is a great infographic that shows the best plank variation exercises to evenly target all abdominal muscle groups:
How to improve your plank time gradually
Start with the easier variation if needed. You can start with a bent-knee plank if you can’t perform a regular plank yet. If you can hold a plank for more than two minutes with ease, you can move on to these tougher variations.
Practise every day. Space your planking exercise throughout the day and do 3-4 times every day. Try to hold the position 10 seconds longer each time.
Perform other body-weight exercises at the same time. Push-up and squat will improve your core strength too.
Are you ready to devote 5-10 minutes of your day, every day, to stay fit, healthy and, most importantly, strong as a bull? Then jump in and make doing plank exercises a part of your life.
Who Should Be Cautious Doing The Plank?
You need to be cautious doing Planking exercises if any of these risks apply to you:
After prolapse surgery
Pelvic pain conditions
Weak or poorly functioning pelvic floor muscles
Choose an alternative pelvic floor abdominal exercise or consult your doctor before performing plank regularly.