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Why Men and Women Avoid Personal Training With the Opposite Sex

All fitness centers are a place for many types of gym goers, this does not include bodybuilding gyms and women’s only fitness centers. All fitness centers provide personal training. There has always been some separation with male and female personal trainers. The big question here is why males and females avoid personal training with the opposite sex?

From a female personal trainer perspective, I see this male and female personal trainer avoidance quite often. First, most personal trainers are willing to work with anyone and everyone. Some may prefer older adults, men, women, children, or just athletes. In my own personal experience some older women tend to avoid male personal trainers because they feel as though they are only into body building which reduces the chances of training with a male trainer. Some women think male trainers are the “Arrogant” type. A good majority of women only want to train with female trainers because they are uncomfortable with training with men. Most women are seeking trainers that are understanding and knowledgeable. Some look for trainers that specialize in certain aspect of training such as weight-loss, corrective exercise, strength training, and do not have a preference in male or female.

The other day I encountered a gym goer while training some clients. Lets call her “Connie.” She spoke with some of my clients both male and female. She asked them about my ability as a personal trainer as well as my personality. My clients then discussed my training methods and personality. When I walked over and introduced myself she said she has been looking for a personal trainer for a while now and that I seemed like the type of trainer she wanted to work with. Of course I had to ask her why. Hearing some frustration in her voice stated she felt intimidated by the male Personal Trainers that she has seen in this particular fitness center. She needed to be trained by someone more “like her”, meaning a female personal trainer.

On very rare occasions men have come to me seeking advice on reaching goals. Granted I am always willing to assist anyone with any questions fitness related whether they are male, female, young, and old. I have had men deliberately avoid me like the plague at the gym even though they have seen me training for several months. Do the letters on the back of my uniform not state “Personal Trainer”? Am I intimidating? Do you think my years of experience and knowledge are inadequate? Am I not strong enough to spot you? “Do you think you will offend me while speaking to me?”

A few years ago while at the gym with my husband. I was spotting him on his last set on the bench press. There was a guy on the chest press clearly needing some assistance. He waited until my husband was finished and walked right past me without a word and asked my husband for a spot. I was disappointed. I may not be …

Identifying The Four Major Types Of Loans

Although it may be a given for many people these days, it is still important to know something about loans when you are thinking about applying for one. In fact, most people already have one type of loan or another. There are many different kinds of loans offered by banks, credit unions, private lenders, and other financial institutions. Each loan may be subject to the specific requirements of the institution offering it and many loans are actually tailored to the particular applicant. All of this aside, there are four major types of loans that are used by consumers. Each type has a different object or focus attached.

The first major type of loan is the personal loan. These are the loans that you would obtain from a bank or credit union as an individual. At the same time, there is some overlap between personal and small business since the purposes of each may often coincide. For example, you may need a personal loan to fund a new small business opportunity. A personal loan may simply be a loan that you receive in order to pay for a necessary expenditure like replacing a major appliance, paying bills, or getting a vehicle. Personal loans are also used to consolidate debt.

A second type of loan is the home or mortgage loan. This is the category of loans relating to new home purchasing, but may also deal with using your existing home mortgage as a form of collateral to get a loan for other purposes. Like other types of loans, these loans have specific requirements and qualifications organized by the lender, which must be met by loan applicant. Home loans are long-term expenses. You need to keep this in mind and plan accordingly and take other expenses that will be included so you have a clear idea of your payments. Now a mortgage loan may also include those who already have homes but want to take a loan out on the mortgage or house, using this as collateral to secure the desired amount. There are specific requirements involved in these situations as well and there is risk involved since you are putting up your home as collateral.

The third major type of loan is the automotive loan. This is a narrower category since it deals exclusively with the purchase of vehicles. Everyone needs a car or some other means of transportation in today’s world. More importantly, they need something that is reliable and will get them where they need to go. Cars-even used cars-are expensive and most of us do not have the money to go and buy one outright. Therefore, auto loans are required to purchase a vehicle. Automobile dealerships typically provide financing options for auto loans via participating lenders. Again, there will be requirements that you must meet like credit rating or income level to qualify for the loan. Different lenders have different policies regarding auto loans so you will have to investigate them individually to find out if you are …

Personal Injury Calculator – Top 5 Questions For Calculating Your Car Accident Claims

Using a personal injury calculator can help you figure out how much your car accident claims are worth. Here are the top 5 questions people ask about calculating the value of their auto insurance settlement.

1. How Does the Personal Injury Calculator Determine my Car Accident Claim?

The most basic formula that is known to be used for car accident injury claims is:

Pain Multiplier X Medical Expenses + Loss of Income

The “pain multiplier” is a number typically between 1.5 and 5. This multiplier number is chosen based on the severity of your car accident injuries; the more serious your injuries, the larger the multiplier.

For example, a minor injury like a sprained neck is more likely to get a low multiplier (1.5-3). While a more serious and painful injury, like a broken leg, would get a higher multiplier (3-5). The multiplier range may even go to higher figures (10) for more severe and long term injuries.

The next thing that is included in the claims formula is your medical expenses, also known as “special damages.” These expenses include the cost of your medical treatments, visits to the hospital, ambulance ride, X-Rays, pain medication etc.

The final thing that is added in your insurance settlement is your loss of income. This refers to the amount of income you lost as a result of your injuries. For example, if your injuries forced you to stay home from work, then your lost income would equal your daily pay rate times the number of work days you missed.

2. When Should You Use a Personal Injury Calculator?

The best time to use the injury calculator is at the end of your medical treatment. You should always have your injuries thoroughly diagnosed and examined before filing an injury claim. This gives you a more accurate estimate of your total medical expenses that should be included in your final settlement.

3. Who Should NOT Use the Personal Injury Calculator?

Most personal injury claims involve minor injuries that do not require you to immediately hire an expensive lawyer. For these types of claims, you should use the injury calculator to get a rough estimate of what your auto accident settlement might be worth.

However, there are insurance claims which cannot be handled without the help of a skilled injury lawyer. These types of car accident claims involve more serious and long term injuries like permanent disabilities, lost or severed limbs, traumatic head injuries etc. If you were severely injured, your best option is to meet with a lawyer who is familiar with claims related to your specific injuries.

4. How Accurate is the Personal Injury Calculator?

The injury calculator does not give you the exact final settlement, but an initial estimate of how much your injuries are worth to the insurance companies.

Many people would argue that the injury calculator is too simplistic. That it does not address the complexities and subtleties of an individual’s personal injury claim. Others are quick to bring up Colossus, …

Is a Business Incubator Right for Your Business?

What is the Purpose of a Business Incubator?

Business incubators are organizations that nurture the development and growth of businesses in the early phases to help them persevere in their most vulnerable stages. Incubators provide numerous resources and support services to aid in the development of businesses. The general purpose of incubators is job creation, business retention, enhancing entrepreneurial climate, growing local industries and economies. Approximately 93{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of North American incubators are nonprofits focused on economic development. About 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} are typically set up to receive returns from shareholders investments. (Business Incubation FAQs)

What to Expect

It is important to conduct research on the incubator(s) and consider the advantages and disadvantages before embarking upon the application process and working with an incubator.

  • Conduct Ample Research: It is important to understand that incubators will have their own set of unique offerings for their entrepreneurs. The package offered should help meet the needs and goals of the company. The location of the incubator should allow for a flourishing business, with a market that can sustain the business for the duration of the term of stay. The mentors and specialists available should also have experiences and networks beneficial to your business.
  • Related costs: Some incubators will charge monthly fees, like a typical leasing agreement. However, other incubators may accept in exchange for equity. It is beneficial to consult with an attorney to review the terms and contract.
  • Speak to alumni: If the incubator has a list of previous tenants, speak to them about their personal experiences. This first hand testimony will give you further insight and help you determine if the incubator is right for your business.
  • Prepare your proposal: If you decide to apply, be sure to prepare and rehearse your pitch and distinguish yourself from other businesses and business owners. Incubators want businesses that are sustainable. In your proposal, be sure to discuss how your business will succeed with accompanying financial projections.

What are the main business models?

As mentioned previously, each incubator will have a unique set of offerings. The list of business models below should give you an idea of what to expect as you conduct your research.

  • Rent Model: Rent is charged to businesses which can help incubators be self-sustainable. In some cases initial rents are subsidized. The subsidy rate usually declines over time to gradually introduce commercial discipline to the business.
  • Equity Model: Incubators take marginal stakes in the business, usually in exchange for low rent periods.
  • Royalty Model: Royalty payments are made based upon the amount of revenue earned by the business.
  • Deferred Debt Model: The services offered to the business, as well as the overhead is charged at a decided upon future date as an incubation fee. The incubator could decide the repayments (partial payments or lump sum) are due when the business leaves the incubator or when the business reaches an agreed upon financial target.

What are the main advantages and disadvantages?

Advantages

  • Low cost workspace allowing for reduced overhead
  • Offered resources such as mentorship,

10 Ways to Make Money form Sugar Daddy Dating Sites

We know it sounds cruel, but these adult singles want to buy sugar babies a lot of gifts, we just have the right ways you should ask for them. These Sugar Daddy singles don’t mind spending money, actuallly it’s a nice way of making guys feel like a Super Cool Sugar Daddy. We all want to help others and like to treat our sugar babies nicely, the problem is when sugar babies do not appreciate it. So I found a great guide for Sugar Babies from Adult Singles Dating that talks about Free Dating Sites and how Sugar Babies can get everything they want by asking properly.

Ask about interest on your Credit Cards

Men love to Teach and Instruct a Woman

By asking a sugar daddy about interest on a credit card and what is the best way to handle your credit cards. Your Sugar Daddy will begin to explain that monthly interest can be expensive and will begin to want to help you in getting that cleaned up. By wanting him to teach you about managing your money because he is so good at it, you then can ask to start from a clean slate by him offering to help pay for the amount due the next month. After paying the credit card he can help you budget your money and will offer some additional cash to get you started.

Date a Sugar Daddy that has just been divorced

Most men want to make their ex jealous. All you will need to do is act pretty and go to the same shopping centers, restaurants and other areas where his friends will be. He will spoil you tremendously because he knows his ex wife will find out.

Cook a Dinner and run out of Milk

Cook a delicious meal for him, and wear just about the sexiest thing you can. Ohh, tell him you need to buy some food from the store and can you borrow some money. You Sugar Daddy will be mezmorized by your cute outfit and give you the black america express. Have Fun!!!

Wear a skirt cross your legs and ask politely

Always show a little leg and cross them so you look elegant. It is much easier to give money to a sugar baby that is elegant than sloppy.

Workout together and be amazed at what he can do

When working out together be his personal spotter of course be sure to wear some tight pants and proper athletic attire. Be mesmorized at how athletic he is and continuously grab his arms. Sugar Daddies love that and it will make them feel like a Super hero. By the end of the night a expensive dinner and entertainment will be yours for the taking.

Never Pick up your Cell or Home Phone and tell him your cell phone sucks

This is a great way to receive a new cell phone from a Sugar Daddy, just tell him you have been meaning to get a cell …

Calculate Pain And Suffering The Right Way And Settle Your Car Accident

How to calculate pain and suffering? This is a difficult and controversial issue. When you are in a car accident, the insurance company wants to get a written document that releases any and all claims against the person that caused your damages and injuries. To get that release, the insurance

adjuster must compensate you adequately.

You are entitled to special damages (medical bills, wage loss, medicine, etc.) and general damages (pain and suffering, loss of consortium, physiological injuries, etc.) Most of the time, calculating the Special Damages is not very difficult and there is not much debate over the value of the medical bills, wage loss, and other medical expenses. You can add them all up and submit your receipts. However, calculating general damages, which includes pain and suffering, can be very difficult.

How much is your headache worth? Depends who you ask. If you ask the insurance adjuster, she will tell you about $5. If I ask you, then it is probably worth much more than that.

Personal injury attorneys use the medical bills or all “special damages” as a way to calculate general damages. Some multiply the medical bills by two, other by three or even four times (depends in your

jurisdiction). This is only a rule of thumb. The insurance adjuster will fight you and will tell you that that is not an accurate way to calculate pain and suffering. There are no laws that will give you a formula to calculate the value of the injury.

Simply multiplying your medical bills will not yield an accurate number. You could have an injury with medical bills of $2,000 but the pain and suffering be worth much more than three or even four times that value. For example, a fifteen year old girl that suffers a cut in her face, leaving a scar from her eye to her chin. Medical bills for stitches and cleaning the wound might not be very much, but the psychological injury of growing up with such injury could be worth much more.

Multiplying the medical bills is not very accurate when assessing the value of pain and suffering, however it can guide you. Remember that there are many more claim than just “pain and suffering” in a car accident. You can ask for loss of consortium, loss of earning capacity, loss of quality of life, etc. For a detailed list and explanation of each type of claim, visit http://www.auto-insurance-claim-advice.com/bodily-injury-claim.html. All of these claims can add to a lot of money. Most people forget to ask for any of those types of damages. Insurance companies do not explain the process and they just want a release for any and all claims, including all those damages you forgot or did know to ask for. Insurance companies do this on purpose. Be aware.

Insurance adjusters are ready to tell you that the value of the injury is separated from the accident itself. They are trained to argue that they are settling for the neck pain, not …

Steel Detailing – Are You Interested in Starting Your Own Business?

Steel Detailing for me is my life. If you had to ask the question, if I chose it for my life I would say “Deep down YES”. I just fell into it.

It all started when I was 18 looking for work straight out of High School. I was accepted into an apprenticeship as a Structural Designer for a company in Newcastle, NSW, Australia, working on mining designs. Back then the office was decked out with drawing boards, smoking was permitted and an ammonia copier.

The job involved standing behind the ammonia copier copying drawings onto CPR’s, Penmanship, small drafting jobs, the coffee run and the food run for the first 6 months. This was my introduction into detailing steelwork for mining jobs throughout The Hunter Region and it was all coal process and handling.

Little did I know, the owner of company had a habit of starting and closing companies on a regular basis and my job only lasted just over 6 months. This was just enough for me to continue into this career with just a small taste.

Since then I have worked for many prominent design companies and have gained extensive experience. It wasn’t until I was given the opportunity start my own company with the backing of a building company in Thornton, NSW, Australia before I really began to learn fast.

The company went from just me to 6 people in a small 2 year period and was working really hard. I cannot emphasize the Really Hard part enough as the hours were long. The reason for this is that I was working in the business and not on the business and because I was the business owner, it had to run smoothly in order for it to grow.

For those that have not had experience with steel detailing there is a process you must follow.

Firstly, you are asked to provide a quote. If the quote is accepted, you are presented with a set of Structural Engineering drawings and a set of Architectural drawings depending on the project category. There are 3 main categories – Mining, Industrial and commercial. Mining has no architectural requirement.

Secondly, you go through the drawings and work out areas that maybe of concern and require more information and request the information. Usually at this stage because the information is going to change the amount of work you have to do, so you would ask for a variation if the work is allot more than you originally estimated.

Thirdly, the client accepts the variation and you begin the project. As the company owner I usually started the project layout for the rest of the team to detail the steelwork. The layout was completed in AutoCAD and consisted of the plan view with all of the elevations projected surrounding the Plan.

At the end of the day I was the checker also. “Why” did I check the drawings you may ask. It’s plainly obvious, the buck stopped with me. If there was …

ATV Financing 4 Popular Options

With the purchase price of an ATV being much less than the average street motorcycle there are more options for financing your ATV than when purchasing a motorcycle.

The goal of this article is to provide you a view of four popular types of ATV financing. Your success with each method will depend on if you have good or bad credit.

1. Manufacturer ATV Financing

It is likely that if you have spent any time looking at ATV magazines you have seen an advertisement or two highlighting atv financing from top brands like Honda, Kawasaki, Suzuki and Yamaha. Usually these advertisements have a very low minimum payment like $49. While the payment may look attractive you should consider if this is the best ATV loan for you.

In deciding if a manufacturer loan is best, you need to consider the terms. For instance, look at how long the promotional term lasts. If it is 24 months will you have enough to payoff your outstanding loan on the 25th month because making the $49 payment does not pay off the loan? If not your interest rate will increase to the standard rate of 17{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-22{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} and your minimum payment will also increase.

If you have the cash to pay off your loan at the end of 24 months than the promotion may be a good thing for you, if not then you should probably opt for a fixed rate installment loan that is offered by most online lenders and has a fixed rate for a long term.

Manufacturer ATV financing is typically more suitable for those with good credit rather than bad credit applicants.

2. Online Atv Financing

With online ATV financing you will get fixed rate ATV financing for a specific term. These loans are normally called personal loans meaning that they can be used for a variety of personal reasons such as buying an ATV, furniture, home improvements and a variety of other things. Terms on ATV personal loans will normally be up to 60 months and for excellent credit rates can be as low as the 5{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} – 8{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} range. Bad credit applicants can also get approved for online personal ATV loans, but the interest rate may be a bit higher.

3. Credit Card ATV Financing

If you are looking for a short term loan for your ATV purchase, a credit card may be a good option if it has a good promotion. For instance some Visa, Mastercard and discover cards offer 12 months no interest for new accounts. If you can afford to pay off your ATV purchase at the end of 12 months this could be a great option for you to use.

4. Hybrid Atv Financing

The hybrid Atv financing method typically uses a combination of financing options. One popular method is to use a short term manufacturer financing promotion and then when the promotion period ends you transfer your loan to another promotion on a Visa, Mastercard or Discover card.

For instance, you could get …

What is the Difference Between the Strength Coach (CSCS) and the Certified Personal Trainer (CPT)?

A panel of five fitness experts gathered their opinions and thoughts on a specific question for the standAPARTfitness.com Round Table Discussion. The panel was asked the following: “Aside from the prominent letters after a strength coachs’s name, where does the line cross between CSCS and Personal Trainers (CPT)? What are the major differences between the two professional roles?”

In no specific order, their answers are as follows:

Rick Karboviak, CSCS: “In today’s realm, and with respect to CPT’s of all organizations, there are some that try to do sports performance programs with their general fitness knowledge. Some of these trainers know how to step things up to a sport’s higher demands and more specific demands, while others merely copy or mimic what other, more highly educated and experienced strength coaches do. It’s these ones who merely try to copy what the CSCS knows and applies daily, and the trainer tries to do it haphazardly, just to make a sale of packaged sessions in the end. Other trainers do study the sports performance methods, maybe obtain other sport-related certifications in the field (there are Speed/Agility/Quickness Trainer certs, Specialist in Strength & Conditioning certs, among others). They then apply their new knowledge they have, after having obtained it through quality education (study, workshops, internships or mentorships), and observation, before they apply anything to their clients.”

Chris Blake, MA, ATC, CSCS: “As far as where does the line crosses between the CSCS and CPT certifications; there are distinct and equally respectable qualities with each certification. I can’t speak for the CPT group as I am not certified as a personal trainer. But the scope of practice states:

Personal trainers are health/fitness professionals who, using an individualized approach, assess, motivate, educate and train clients regarding their health and fitness needs. They design safe and effective exercise programs provide the guidance to help clients achieve their personal health/fitness goals and respond appropriately in emergency situations. Recognizing their own area of expertise, personal trainers refer clients to other health care professionals when appropriate. In order to challenge the exam you must have CPR certification as well as a high school diploma/GED.”

Certified Strength and Conditioning Specialists (CSCS) are professionals who apply scientific knowledge to train athletes for the primary goal of improving athletic performance. They conduct sport-specific testing sessions, design and implement safe and effective strength training and conditioning programs and provide guidance regarding nutrition and injury prevention. Recognizing that their area of expertise is separate and distinct, CSCS consult with and refer athletes to other professionals when appropriate. A bachelor’s degree (BS/BA) or chiropractic medicine degree granted by an accredited institution and current CPR certifications are prerequisites to challenge the exam.”

Dr. Kwame Brown, PhD., CSCS: “As I understand it, the major difference between the CSCS and the CPT certifications is that the CPT spends more time on addressing those with health issues in a training environment, and is more geared toward personal training at a health club. The CSCS is geared toward those who …

A Couple of Personal Ads I Used to Attract Women Like a Magnet

Here’s an example of a national personal ad that was very successful for me:

I LOVE YOU DARLING! How long have you longed to hear these words? How often have you longed to be held in a man’s arms, to be cuddled, caressed and kissed, warmly, sweetly, tenderly? Perhaps you are my sweetheart – who knows? Nice, attractive one-woman man, writer, author, publisher, 35, 6’1″, 200 lbs., desires to meet attractive, loving, slender woman 20-40 who is interested in a meaningful relationship leading to marriage. Photo please.

In summation, include these items in your ad:

1. Occupation.

2. Age, height, and weight.

3. What you’re looking for in a woman.

4. Age range of women you desire to meet.

5. Your hobbies, interests, and things you like to do.

6. Let her know you are a “one-woman man.”

7. You are interested in a meaningful relationship.

The following is a good-pulling ad that I ran in a local publication:

This is my favorite! Just run this ad and edit it to fit your description. You will get a lot of replies!

Single male 1953 model, low mileage, high performance. Bumped a few times, but never wrecked. Proven ability to hug the road and not wander off course. Exterior in mint condition, warm, sentimental, sensitive interior, never soiled. Factory equipped entertainment package includes stereo, humor, depth, imagination and intelligence. Radio picks up all kinds of rock and jazz. Spacious seats with plenty of room for passenger…runs on high-octane fun and romance, lifetime supply included. Available for inspection by female drivers only, prefer 20-40 eye-catching exterior, self-confident, affectionate, warm, sincere with sense of humor and full set of tools. Come from close solid family, would like to have little Toyotas some day. Equipped with Marketing Degree. Only driven once a week by little old lady to/from church. To arrange test drive, please write. HAPPY MOTORING.…