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Risk Management for Your Life

Risk Management for Your Life

You can handle life’s bumps with ease when you practice risk management for your life. There are four main areas we’ll focus on for risk management: health, career, finance and relationships. Good guidelines in these areas will keep your life flowing easily and help you recover quickly from any setbacks.

Health

Life is hard to enjoy when we aren’t healthy. Manage your risk for healthproblems by following these simple guidelines:

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  • Drink lots of water.
  • Eat mostly fresh, unprocessed foods.
  • Exercise your body for at least 45 minutes, three times a week.

Career

Career risk management will decrease the likelihood of career problems, such as being laid off, fired, or having difficulty in finding a job. Invest time and effort in these areas:

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  • Network with others in your industry and of similar skill set. Networking will help you learn new things that you can bring to your current position, enhance your skills, and help you meet others who may be able to help you if something happens to your current position. You may also find others to bring onto your team earning you a referral bonus and a strong, competent team.
  • Focus on how yon can best help the company you work for — not how they can help you.
  • Always be polite and positive with your coworkers. Even if you are great at your job, if people find you difficult to work with you could be at the top of the chopping block when the company has to cut staff.
  • Keep your resume up to date so you are ready for anything. It could be a job loss or just an amazing opportunity that lands in your lap.

Finance

Decrease your financial risk to easily weather storms and set yourself up to fully enjoy retirement.

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  • Pay cash for everything except purchasing a house (unless you have enough to pay cash for a house as well).  Yow will save tens of thousands — if not more — by purchasing everything with cash and avoiding interest fees, finance charges, and late payment fees. All of those simply go away when you pay cash and you will never buy something you can’t afford.
  • Get a 15 year mortgage. Only buy as much “house” as you can comfortably afford payments on with a 15 year mortgage. The sooner your house is paid off the better off you will be. That mortgage payment can ba saved and invested for the future or used to have some fun.
  • Max out your retirement savings. First save as much as you need in your 401k to get your employer match. Next max out your IRA savings. Lastly, save more in your 401k or similar account.
  • Keep a 6 month Emergency Fund in liquid savings. This is the money you need available for emergencies, like unforeseen car and house repairs and job loss.
  • Lastly, have your financial affairs in order. Always have a will, as well as health and financial powers of attorney in case of disaster. This is to protect yourself, your money, possessions, and your family.

Relationships

Don’t forget risk mitigation for relationships. It may seem a bit odd, but your relationships with friends and family will bring the most fulfillment to your life. With a little care you can nurture positive relationships that will bring joy for your entire life.

  • Follow the Golden Rule: Always treat others as you want to be treated. This simple rule will keep relationships positive and enjoyable.
  • Make time for the people you love. Call them, send cards, and visit when you can. Too often we are caught up in the day to day and don’t think to make time for our loved ones…until it’s too late.
  • Nurture relationships with people who challenge and inspire you. Choose your friends and surround yourselves with people who make you the best you can be.
  • Limit relationships with people who don’t treat you well. Those who are mean, abusive, unkind, and treat you with disrespect do not enrich your life — and do not deserve your time.

What risk mitigation for your life do you need to do today? Share your plans in the comments below. (Photo credit: Risk Management Key via Shutterstock)

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Last Updated on September 18, 2020

7 Simple Rules to Live by to Get in Shape in Two Weeks

7 Simple Rules to Live by to Get in Shape in Two Weeks

Learning how to get in shape and set goals is important if you’re looking to live a healthier lifestyle and get closer to your goal weight. While this does require changes to your daily routine, you’ll find that you are able to look and feel better in only two weeks.

Over the years, I’ve learned a lot about what it takes to get in shape. Although anyone can cover the basics (eat right and exercise), there are some things that I could only learn through trial and error. Let’s cover some of the most important points for how to get in shape in two weeks.

1. Exercise Daily

It is far easier to make exercise a habit if it is a daily one. If you aren’t exercising at all, I recommend starting by exercising a half hour every day. When you only exercise a couple times per week, it is much easier to turn one day off into three days off, a week off, or a month off.

If you are already used to exercising, switching to three or four times a week to fit your schedule may be preferable, but it is a lot harder to maintain a workout program you don’t do every day.

Be careful to not repeat the same exercise routine each day. If you do an intense ab workout one day, try switching it up to general cardio the next. You can also squeeze in a day of light walking to break up the intensity.

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If you’re a morning person, check out these morning exercises that will start your day off right.

2. Duration Doesn’t Substitute for Intensity

Once you get into the habit of regular exercise, where do you go if you still aren’t reaching your goals? Most people will solve the problem by exercising for longer periods of time, turning forty-minute workouts into two hour stretches. Not only does this drain your time, but it doesn’t work particularly well.

One study shows that “exercising for a whole hour instead of a half does not provide any additional loss in either body weight or fat”[1].

This is great news for both your schedule and your levels of motivation. You’ll likely find it much easier to exercise for 30 minutes a day instead of an hour. In those 30 minutes, do your best to up the intensity to your appropriate edge to get the most out of the time.

3. Acknowledge Your Limits

Many people get frustrated when they plateau in their weight loss or muscle gaining goals as they’re learning how to get in shape. Everyone has an equilibrium and genetic set point where their body wants to remain. This doesn’t mean that you can’t achieve your fitness goals, but don’t be too hard on yourself if you are struggling to lose weight or put on muscle.

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Acknowledging a set point doesn’t mean giving up, but it does mean realizing the obstacles you face.

Expect to hit a plateau in your own fitness results[2]. When you expect a plateau, you can manage around it so you can continue your progress at a more realistic rate. When expectations meet reality, you can avoid dietary crashes.

4. Eat Healthy, Not Just Food That Looks Healthy

Know what you eat. Don’t fuss over minutia like whether you’re getting enough Omega 3’s or tryptophan, but be aware of the big things. Look at the foods you eat regularly and figure out whether they are healthy or not. Don’t get fooled by the deceptively healthy snacks just pretending to be good for you.

The basic nutritional advice includes:

  • Eat unprocessed foods
  • Eat more veggies
  • Use meat as a side dish, not a main course
  • Eat whole grains, not refined grains[3]

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Eat whole grains when you want to learn how to get in shape.

    5. Watch Out for Travel

    Don’t let a four-day holiday interfere with your attempts when you’re learning how to get in shape. I don’t mean that you need to follow your diet and exercise plan without any excursion, but when you are in the first few weeks, still forming habits, be careful that a week long break doesn’t terminate your progress.

    This is also true of schedule changes that leave you suddenly busy or make it difficult to exercise. Have a backup plan so you can be consistent, at least for the first month when you are forming habits.

    If travel is on your schedule and can’t be avoided, make an exercise plan before you go[4], and make sure to pack exercise clothes and an exercise mat as motivation to keep you on track.

    6. Start Slow

    Ever start an exercise plan by running ten miles and then puking your guts out? Maybe you aren’t that extreme, but burnout is common early on when learning how to get in shape. You have a lifetime to be healthy, so don’t try to go from couch potato to athletic superstar in a week.

    If you are starting a running regime, for example, run less than you can to start. Starting strength training? Work with less weight than you could theoretically lift. Increasing intensity and pushing yourself can come later when your body becomes comfortable with regular exercise.

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    7. Be Careful When Choosing a Workout Partner

    Should you have a workout partner? That depends. Workout partners can help you stay motivated and make exercising more fun. But they can also stop you from reaching your goals.

    My suggestion would be to have a workout partner, but when you start to plateau (either in physical ability, weight loss/gain, or overall health) and you haven’t reached your goals, consider mixing things up a bit.

    If you plateau, you may need to make changes to continue improving. In this case it’s important to talk to your workout partner about the changes you want to make, and if they don’t seem motivated to continue, offer a thirty day break where you both try different activities.

    I notice that guys working out together tend to match strength after a brief adjustment phase. Even if both are trying to improve, something seems to stall improvement once they reach a certain point. I found that I was able to lift as much as 30-50% more after taking a short break from my regular workout partner.

    Final Thoughts

    Learning how to get in shape in as little as two weeks sounds daunting, but if you’re motivated and have the time and energy to devote to it, it’s certainly possible.

    Find an exercise routine that works for you, eat healthy, drink lots of water, and watch as the transformation begins.

    More Tips on Getting in Shape

    Featured photo credit: Alexander Redl via unsplash.com

    Reference

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