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December 31, 2006
In This Issue:
* Secret to Reversing Arthritis Pain
*

The 5 Most Common Exercise Mistakes

* No Plunger? No Problem. Secret to Unplugging Your Toilet
* Free Help with Investing, Budgeting, College Planning, More
* Loved Ones Need Not Suffer Mental Decline -- Not Anymore!



Dear Friend,

Even if you don't draw up a list of New Year's resolutions each year, you can still plan 2007 to be the year you revisit your exercise goals. Have you been thwarted by pain or exercise-induced injuries? Suffer no more. Wayne L. Westcott, fitness research director at the South Shore YMCA in Massachusetts, points out the top five exercise mistakes and tells what you need to know to avoid them.

Why not also let 2007 be the year you get all your financial ducks in a row? Lynn O'Shaughnessy, author of Investing Bible, reveals her top on-line resources for financial planning, budgeting and investing.

Happy New Year!

All the best,



Jessica Kent
Editor
BottomLineSecrets.com

BOTTOM LINE ON NBC TV: Bottom Line's publisher, Marjory Abrams, warns about con artists who pose as the IRS. Watch Video Now. New York area readers can watch Marjory live every Monday at 5:00 on NBC-4 NY's Live At Five with Sue Simmons and Perri Peltz.



Special Offer

SECRET TO REVERSING ARTHRITIS PAIN

Joseph couldn't walk a step without limping when Mark Stengler, ND, first saw him. For years, his osteoarthritis had been steadily getting worse. Now his painkillers were giving him ulcers, the agony was unbearable, and he envisioned a knee replacement in the near future.

But Dr. Stengler did not give him steroids or even an aspirin tablet! Instead, he told Joe about a natural compound so harmless that even pregnant women can take it safely.

Just two days later, his pain had already faded dramatically...

Read on...



The 5 Most Common Exercise Mistakes

Wayne Westcott, PhD, CSCS

M ore people start an exercise program in January than at any other time of the year. Within weeks or months, most of them have called it quits -- often because of injury. Unfortunately, many people exercise in a way that almost guarantees injuries or even chronic pain. But this common problem can be avoided.

How much exercise do you need? Opinions differ, but I recommend following the American College of Sports Medicine's guidelines -- 20 minutes of aerobic exercise three days a week... and two 20-minute weight-lifting sessions a week. This level of exercise -- along with ordinary activities, such as going for occasional walks and working in the yard -- is sufficient for fitness as well as disease prevention.

Avoid these exercise mistakes...

Mistake 1

Stretching before workouts. At one time, trainers advised everyone to stretch before exercise. It doesn't help -- and actually increases the risk for injury.

Tendons have a limited blood supply. It takes them longer to warm up than muscles. Performing stretches before a workout -- when tendons are cold -- increases the risk for microtears in the connective tissue in or around the tendon. These tears are painful and slow to heal.

Recommended: Stretch after -- not before -- vigorous activities. Warm up by performing the exercise at a slower pace and reduced resistance for three to six minutes. For example, if you plan to bike for 35 minutes, begin by riding at a slow, comfortable pace for three to six minutes.

Mistake 2

Using a barbell (a bar with an adjustable weighted disk attached to each end and held with two hands). Experienced weight lifters can safely use barbells, but a dumbbell (a short bar with weight at each end and held in each hand) is better for injury prevention. That's because the wrists are less likely to move into a fully supinated (palms facing up) or pronated (palms facing down) position, that may strain your elbows. Just about every exercise that you perform with a barbell can be done with dumbbells.

Recommended: If you're using a barbell, keep your hands in your peripheral vision. If they're so far apart that you can't see them, the wrist will be cocked at an angle and more vulnerable to strain.

Mistake 3

Performing repetitions too quickly. People who use weight machines or lift free weights tend to go too fast -- either to minimize time spent in the gym, or because accelerating the pace generates momentum and makes it easier to lift heavy loads. Fast lifting greatly increases stress on the joints, especially when people neglect proper form.

Recommended: A six-second repetition speed. When lifting weights, take about two seconds to raise the weight, then lower it to a count of four. This pace is slow enough to maintain good form throughout the movement, and fast enough to complete about 10 repetitions in one minute -- the recommended number of repetitions for most workouts.

Mistake 4

Lifting too much weight. This is among the most common causes of joint, muscle and tendon injuries.

Recommended: Warm up by lifting lighter-than-usual weights. For example, if you are going to do curls with 15-pound dumbbells, begin with eight to 12 repetitions with five-pound dumbbells. After warming up, lift no more than 70% to 80% of your one-repetition maximum. That's the heaviest weight you can lift one time.

Example: If the most you can lift at one time with dumbbell bench presses is 20 pounds in each hand, use 75% of that -- about 15-pound weights. You'll know you're in the right range if you can complete eight to 12 repetitions. If you can't complete eight repetitions, the weight is too heavy... if you can easily complete 12 or more, the weight is too light.

Mistake 5

Neglecting to cool down. The cool-down period is even more important than the warmup period -- not just for injury prevention, but also to protect the heart.

The elevation in heart rate that occurs during exercise continues for several minutes after you stop. A larger-than-usual volume of blood is being pumped from the heart throughout the body. Without continued muscle activity to help pump it back into circulation, the blood tends to pool in the legs and feet. The heart has to work harder to restore normal circulation, which can trigger high blood pressure.

Recommended: After finishing any exercise or vigorous activity, keep moving for a few minutes at a slower rate -- by walking in place or biking at a reduced resistance or slower pace, for example.

Bonus: Activity during cool-down helps flush lactic acid from the muscles. This metabolic byproduct increases during exercise and can result in muscle discomfort.

Since muscles and tendons have the best blood flow and elasticity during cool-down, it is a good time to do a basic gentle stretch that targets many of the body's muscles.

What to do: Sit on the floor with your legs extended. Bend your right knee and place your right foot just below your left knee. Bending at the waist, reach forward with your arms as far as you comfortably can toward your left ankle or foot. Hold for 20 seconds. Repeat with opposite leg. The full cool-down should last about four to eight minutes.


E-mail this Article

Bottom Line/Health interviewed Wayne L. Westcott, PhD, fitness research director at the South Shore YMCA in Quincy, Massachusetts, and strength-training consultant for the American Council on Exercise, the US Navy and the American Association of Health and Fitness. He is the author of Building Strength and Stamina and Strength Training Past 50 (both published by Human Kinetics).

Special Offer

NO PLUNGER? NO PROBLEM. SECRET TO UNPLUGGING YOUR TOILET

"My toilet was stopped up. My guests were on their way. And I couldn't find a plunger!"

Lucky for me, I'd learned the secret: Just squirt some liquid dish detergent, wait 15 minutes, and my home and guests were good to go.

How often have you been caught in a situation like this -- or any of thousands of other household mishaps? Spills, breaks, lost items -- family heirlooms nearly ruined. Too often, right?

Joan and Lydia Wilen, better known to TV viewers as "The Wilen Sisters," have the secret to saving the day on these and thousands of other potentially disasterous mishaps.

Learn more...



Free Help with Investing, Budgeting, College Planning, More

Lynn O'Shaughnessy

H ere's a list of six of my favorite on-line calculators for personal finances and other uses...

General finance: Money Chimp. This fun, educational financial site provides a stock-valuation calculator that features a more sophisticated measure of a stock's worth than tools such as price-to-earnings ratios. Money Chimp also offers an inflation calculator that measures the potential effect of rising prices on investments. Another calculator explores the virtues of Roth versus traditional IRAs. www.moneychimp.com

Fixed income: Yahoo! Finance Bonds Center. The fixed-income calculators here can provide answers to these kinds of questions: "Should I buy a tax-exempt or taxable bond?" and "What is my yield-to-maturity?" (The yield-to-maturity is the rate of return anticipated on a bond that is held until it matures.) finance.yahoo.com/bonds/calculator_index

Mortgages: Dr. Calculator. A variety of calculators for mortgages, including one that lets you determine how fast your mortgage would shrink if you made extra payments. Other calculators estimate how much your savings will be worth in the future and compare the terms of different loans. www.drcalculator.com

College planning: FinAid. This college-funding information site offers dozens of tools for calculating college costs, loan payments, your expected family contribution, etc. www.finaid.org

US savings bonds: Bureau of the Public Debt has a calculator that determines what your US savings bonds are worth. Features include current interest rate, final maturity date and year-to-date interest earned. www.treasurydirect.gov (click on "Individual/Personal," then "Tools").

Measurements: Online Conversion has conversions for cooking measurements, temperatures, times in different time zones and more. You even can calculate your grade point average or your car's horsepower. www.onlineconversion.com


E-mail this Article

Bottom Line/Personal interviewed Lynn O'Shaughnessy, syndicated financial columnist, San Diego, and author of Retirement Bible and Investing Bible (both from Wiley).

Special Offer

LOVED ONES NEED NOT SUFFER MENTAL DECLINE -- NOT ANYMORE!

Ray Sahelian, MD, put the medical world in an uproar with his discoveries that turn ordinary people into super-brains -- and rapidly reverse "incurable" mental decline. But thousands of patients are proving now that his powerful therapies work, and skepticism is yielding to thunderous applause.

Reverse age-related memory loss with stunning speed... even say good-bye to Alzheimer's disease -- with Dr. Sahelian's astonishing "cure in a can"...

Read on...



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