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Day: September 13, 2016

Personal Trainer – How to Identify a Fake Personal Trainer

Acquiring fake diploma and degree has become a child’s play in today’s times, and we unwittingly fall prey to unqualified men and women in various professions. Going to the gym with wide-eyes and hopes of soon becoming another Stallone or Schwarzenegger you end up with disappointment when you find that the personal trainer over there is a quack. Identifying the credentials of the professionals is increasingly becoming an ordeal. Yet, it is advisable to dig out the credentials of the person, before hiring him. Failure to do so puts us in a dangerous spot, as we are prone to injuries if workouts are not performed appropriately.

Generally everyone entering a gym has this question in mind. How to identify a genuine trainer and be wary of the fakes on the prowl? Perhaps no single method could help you in your quest to identify the fake trainer. A combination of analysis, observation, questioning and references may serve to identify the authenticity of the personal trainer. We set out to do many things banking on the weight of the references. Likewise getting references from satisfied customers of the trainer would help us in avoiding the embarrassment of ending up with a fake trainer.

Analysis and observation of the situation is the best way to judge the genuineness of the claims made by a personal trainer. We find the quacks occupying the two extreme ends of the behavioral spectrum. They either tend to talk too much or keep highly reticent when spoken to. This is truly a very good lead for you to follow carefully and unravel the mystery of the trainer. Personal trainers with improper certification and training keep quiet or answer repetitively in mono-syllables when confronted with questions about things like improving the abs. They even show signs of irritation when you try to discuss

The other types of quacks are the ones who don’t shy from making tall and false claims. These trainers talk non-stop and show no qualms even when you ask them to deliver you the moon. These trainers overtly fix their eyes on your pockets and try to get you on board instantaneously, when you approach them to improve your physique and health. They promise the moon, without batting an eye-lid. Thus a personal trainer who does not assess the situation on a realistic scale and just says that anything is possible can not but be a fake trainer.

Lastly you could find out the credential of a personal trainer by directly questioning about aspects of personal training to assess his grip of the subject. After browsing valuable information on the facts about building your muscles from the internet, you could put him couple of questions directly to hear his answers. Ask him the possibilities of succeeding in your aspiration of adding 50lbs of muscle by the year end. A fake trainer, who is more concerned in making a quick buck, would always wrongly answer that this dream could be definitely fulfilled. The glib talk of a …

What Does NSF Stand For? 3 Points About NSF Fees

You may have heard the term “NSF” floating around lately. If so, you likely read or heard it in the news, at work, or maybe from a friend. This is a personal finance term that has a direct impact on how much of your own money you actually get to keep at the end of the day.

If you are wondering, “What does NSF stand for?,” here is a definition, along with some important points you should know about personal finance that could save you hundreds of dollars or more a year.

NSF simply means “non-sufficient funds.” Usually, the term is used to refer to the situation whereby you make a charge to your checking account – usually a debit, credit, or check charge – for an amount that exceeds the balance of your account. An NSF situation almost always results in your having to pay a fee of $30 or more to your bank each time.

Another common term for “NSF fees” is “overdraft fees.” Here are 3 points about NSF fees you should know.

1. You may be paying NSF fees to your bank each month: Most people are not aware that nowadays the majority of banks automatically enroll their new checking account customers in something called an overdraft protection program. Once enrolled, you will be liable to pay your bank big NSF (overdraft) fees every time you overdraw your account.

2. You will have to pay fees even when your bank accepts a debit transaction for an overdrawn account: Overdraft protection programs are set up in a way that allows new debit card charges to be accepted and covered by your bank – even though your account has a negative balance at the time that results in your having to pay a fee. This practice is quite sneaky on the part of banks: it means you could end up paying 1, 2, 3 or more NSF fees in a given day without even knowing it – adding up to $100 or more.

3. You can protest overdraft fees and sometimes win: If an overdraft fee has shown up on your bank statement recently, you can sometimes protest and win. However, doing so takes your valuable time, and winning is not guaranteed.

Take the time right now to go back through the past 2-3 months of bank statements and add up how much you have paid your bank in NSF fees. The number may surprise you. The good news is that some banks now offer no-overdraft-fee checking accounts, which means they will cover your overdrawn charge but still not charge you a fee – ever.…