How To Lose Weight EASILY and Keep It Off!

How To Lose Weight EASILY and Keep It Off.

How can I help you?I’m currently enjoying my 60th year on planet Earth, but have a basal metabolic age of 18yrs, due very much to my low body fat of 15.5%, regular exercise (I walk and do yoga almost every day) and my hydration is pretty good @ 55.5% … but should still be higher.

It is so EASY and enjoyable to be well … plus the benefits of maintaining a healthy weight are enormous!

One of my doctor friends said that the worst term many doctors use when diagnosing a patient is “... for a person your age.” Sure, age will have measurable affects on the way we perform but often doctors compare you to the ‘norm’ for your age, rather than what you could be like if you knew how easy it was to be well.

Now you can put the best fuel in! (click here)

A recent US report states that the average American family spends around $12oo a month on health insurance. Not every one can afford $1200 a month and so 50 million American’s have no health insurance and so limited access to health care. In Australia we have a very similar situation developing. These people who miss out are often the very people who need health care the most. Continue reading

Can You Cure Mental Disease With Sugar?

Can You Cure Mental Disease With Sugar?

I think you know the obvious answer … NO you can’t. So when our diets are heavily laden with sugar, especially refined sugar and we have a rapid increase in many preventable diseases (including depression) I feel we would get much better “bang for our investment buck” by studying the causes rather than focusing on the symptoms.

A little over ten years ago I ran into the former Victorian Premier Mr Jeff Kennett at a petrol station. He had just paid his account and picked up a ‘slab’ (slang for two dozen cans) of Diet Coke, put it onto his shoulder and walked towards his car.

He turned around and our eyes met … so I walked towards him and introduced myself as a health and lifestyle coach. I asked Mr Kennett if he had purchased the Diet Coke for him, and if so was he hoping it would help control his weight.

He replied “Yes and yes.”

I mentioned that there are medical reports (freely available) disclosing health concerns about the drink and that those reports evidently showed that when the participants of the study stopped drinking the Diet Coke they actually lost weight. Mr Kennett then said “Would I be better off drinking the normal Coke?”

Mmmm … I said that water was a much better choice and he put the slab of diet cola in the boot of his car and we said good bye.

I remember this event so clearly because shortly after our chance meeting Mr Kennett announced he had founded an organisation to help manage depression … called Beyond Blue. Like many of us Mr Kennett was also dealing with relationship challenges, and at one point I believe a marital separation, something few people have been given the tools to deal powerfully with. Without adequate tools often eating, drinking or something worse comes into play.

NOW MY QUESTION WAS … “Can You Cure Mental Disease With Sugar?” Continue reading

Beware of ANZ and High Interest Rate Loans!

Beware of ANZ and High Interest Rate Loans!

It is not that long ago that were encouraged to SAVE … save for what we wanted.

That all changed and ANZ bank as one of the big 4 banks is a leader in encouraging debt. But so do CBC, AMEX, NAB, Virgin Credit, Westpac and many others. To understand the banking industry is something few busy people ever do. Even on the ANZ Home loans website they say “Comparing banking products can be confusing and time consuming.”

But isn’t this just great how the ANZ Homeloans page is simply covered in “zeros”, like:

  • “$0 monthly account service fee …”  and
  • “$0 annual credit card account fee …”

Wouldn’t be any ‘trickery’ there would there? Surely not, not the ANZ bank now.

Zero’s are easy to understand … well, they used to be.

So even though we don’t understand banking products well … they ‘consume’ our lives.

Home loans, car loans, personal loans, credit cards and on and on … each with different interest rates, different terms and conditions and policies. Come on, be honest here.

Who actually reads all of the fine print? Does anyone?

You would assume the ANZ and other banks do, or is it only their solicitors who understand them? 

One of the JP Morgan family said that if you want to make money and become rich you must make things complex and complicated.

Banks like ANZ have made an art form out of confusion and evidently they are all in bed with each other, as we saw at the height of the recent GFC (no that’s not the Geelong Football Club … it stands for Global Financial Crisis).  Do you remember that only one bank was sacrificed … and it came as a shock to the others. They thought they were all safe … safety in numbers I suppose.

About five years ago I had taken out an ANZ loan … it was very easy to apply for, no hoops to go through, or ladders to climb. At the time I was heavily involved in creating a new movement called Your Healthy Planet.com, all about us working together for the benefit of everyone.

Is that the same philosophy of the banks … like ANZ?  Don’t think so!

Banks play “win as much as we can … and screw you.”

Continue reading

Beware of Victorian Teachers Credit Union FEES

Beware of Victorian Teachers Credit Union FEES … my wife just lost $90 in 2 weeks.

It all started when she started a new small business, something that we as a community should be supporting, someone with an entrepreneurial spirit. But coming froma teaching background she was also used to regularity of her income.

And it wasn’t just the extra cost and lack of immediate cash flow … but her daughter was having a baby, our first grandchild and she was part of the birthing team at the home birth.  So with two trips to Melbourne and all the excitement I can understand how she forgot to transfer some money to cover automatic payments like Medibank, and the car insurance.

Now picture a bank that cares for their customers.

Have you got that picture?

Well I have a picture from around 1985 one morning, rushing around shopping and banking and when I returned home the telephone went (mobiles weren’t that popular back then) and the voice said “Hi, it’s ‘Jane’ here at the building society and I think you left your leg of lamb here at the bank. Have you lost a leg …?”

WOW … even back then I was impressed with that quality of service.

The staff at the bank actually knew me, and it was ‘real’ service.

So the irony of the Victorian Teachers Credit Union banking system is that occasionally, when you make a payment on-line you get a phone call from a customer service staff member to check if you just made the payment.

Now I used to be a professional risk engineer and I do not believe that the risk of internet banking fraud is really very high, but it’s nice of them to call, yes?

So what’s the point in  sending my wife a letter after her account has been debited with all the fees? It’s a bit of a waste of time in my opinion … except they did say you can change from automatic payment to say BPay which would prevent the overdrawn fee. That’s a possibility.

And the cost of sending the letter, which is signed personally must be at least $1.

Wouldn’t it serve your customer better to call them … just like when they make an on-line payment? Surely they don’t do it for the revenue from fees and charges? No, not a credit union, that’s something only the BIG banks do isn’t it?

Ninety dollars in fees in two weeks … last time that happened was with one of the BIG banks whom we had just opened an account with because they were ‘next door’.  We soon moved our accounts.

I would install a system that sends out an automatic text message or email giving the customer say 24 hours to rectify the account, in fact I think the Victorian Teachers Credit Union used to do something like that.

Is service really that hard to provide?

I mean … I can walk into any bank almost anytime of the day and find staff members who could be more actively employed.

Have we simply allowed service to just disappear.

It appears to be the case at the Victorian Teachers Credit Union.

How Safe Is Melbourne Water? Could It Kill You?

If you live in Victoria, Australia you will have heard of Melbourne Water, as the name suggests it is responsible for much of the water assets that serve the city of Melbourne.

And you also have an opinion on the pros and cons of “tap water versus bottled water”, but this is not what this article is about. This article is about the safety philosophy of an organisation entrusted with supply and delivery of a life supporting resource such as water.

I would expect the philosophy of a public body (and their servants) responsible for life giving “water” to be beyond reproach and certainly not subject to any lackadaisical attitudes but that it not necessarily the case … but you be the judge.

Imagine you are a young woman taking your very energetic dog for some exercise … and you have decided to ride your bike with the dog running beside you. I’ve seen many people do this without incident.

Picture this woman (who happens to be a close friend of mine) riding along a “drainage pathway” … sort of an ‘overflow’ if you like that can take storm flood waters, but for the majority of time it is a quiet and very safe pathway to either walk the dog, go for a run or a ride.

But what if, as you are riding at high speed along the path it just disappears in front of your eyes?

The young woman, out taking her dog for exercise … is now heading headfirst into a concrete hole and has no way of avoiding the disaster.

Her neck and jaw hit first (see the red cross) into the hard concrete edging of a meter wide cross drain splitting her flesh and running deep grazes into her throat; her bike’s front wheel of course had plunged into the crevasse.

Trying to ‘break her fall’ was a natural instinct which lead to a fractured wrist, and her body, traveling at around twenty kilometers an hour also hit hard cracking a number of ribs and badly grazing the skin along her throat.

Blood was pouring from the gash under her jaw, her clothes now literally covered in her own blood as she dragged her damaged bike back towards the road in a vain attempt to get help.

She waved down a taxi … but one look at her at it drove away, leaving her to abandon her bike, still holding onto her lead she slowly took herself and her dog the kilometer or so back home … a shared house that she had only moved to some days earlier. The fact that she was not familiar with her surrounds in some way helped contribute to her accident, but it really wasn’t an accident, but rather it was a disaster waiting to happen.

See, if an accident can be foreseen … then it probably isn’t an accident in my opinion. Those responsible used to have an obligation under ‘common law’ to remove the hazard. You could say it is a moral obligation especially if women and children are likely to be injured unnecessarily.

Injured and upset, this young woman eventually made it to the emergency area of her local hospital. The attending doctor sent her for Xrays, stitched her jaw and dresses her abrasions.

He said “You are very lucky not to have been more seriously injured. You could have broken your neck.”

Six weeks off work as the result of an accident that could so easily have been prevented …

The cost to have put a concrete slab, or galvanised grate across the open side drain would certainly be a few thousand dollars, so why would a large public authority DECIDE NOT TO FIX THE PROBLEM when they have seen the results that their hazard has caused.

It can surely only be that safety, and in particular PUBLIC SAFETY, is not a high priority.

See, the accident happened eighteen months ago … and yet the hazard remains, awaiting it’s next unsuspecting victim. Men and women ride along this drainage pathway every day. Unfortunately some do so for the first time … and would not expect the path to disappear.

Your Healthy Planet.com is a global initiative to reward individuals, businesses, clubs and organizations that exhibit excellent customer service, and have healthy, green, sustainable products and services that make a positive difference.

This hazard will be rectified … I’m just very surprised that it wasn’t done within days or weeks of my friends ‘accident’.

If you know of a media contact in Melbourne who could help make a difference here and prevent some one else suffering a similar injury please let me know.

Leave a comment below or contact Melbourne Water and inquire if the hazard has been rectified.

Why Border Protection Is Unnecessary & Unhuman?

If Success or Failure ...Should the Berlin wall be re-erected? Is the Great Wall of China necessary to stop the ‘barbarians’ from invading?

From Wikipedia: In 1989, a radical series of Eastern Bloc political changes occurred, associated with the liberalization  of the Eastern Bloc’s authoritarian systems and the erosion of political power in the pro-Soviet governments in nearby Poland and Hungary.  After several weeks of civil unrest, the East German government announced on November 9, 1989 that all GDR citizens could visit West Germany and West Berlin.  Crowds of East Germans crossed and climbed onto the wall,  joined by West Germans on the other side in a celebratory atmosphere.  Over the next few weeks, a euphoric public and souvenir hunters chipped away parts of the wall; the governments later used industrial equipment to remove most of the rest.

The fall of the Berlin Wall paved the way for German reunification, which was formally concluded on October 3, 1990.

Does Costa Rica need a military defense force to stop invaders? In 1948 their government abandoned their military … was that a wise move? Many people may not be willing to consider such a radical step but they are living in the past … or as one great American once said, “Most people are driving through life with both hands firmly on the rear view mirror.”

That great American is non other than Mr Werner Erhard, founder of the EST Training, recipient of the Mahatma Gandhi Peace Prize and the person considered responsible for introducing “empowerment” to business and organisations, rather than “management”.

Love is omni-inclusive ...On 1st December, 1948 President José Figueres abolished Costa Rica’s army. From that moment on Costa Rica has lived as a peaceful and democratic nation. Besides getting rid of the army this decision had another important effect on the country’s development. The money that was formerly spent on the military is now spent on education and universal health care and has had a tremendous effect on human development for the average Costa Rican.

No other countries can make this claim!

This peaceful tradition continues to live. Costa Rica’s current president, Dr. Oscar Arias Sánchez was the recipient of the Noble Peace prize for being instrumental in bringing peace to the nations of Guatemala, El Salvador and Nicaragua in the 1980s.

Furthermore, there is no threat of terrorism here because Costa Rica has NO enemies. This added stability is one of the primary factors that make our unique country  such a special place in the world and perfect for a peaceful retirement and investment. For these same reasons large multinational corporations like Citi Bank, GE, Walmart, Intel, Proctor Gamble, Firestone, Amazon.com and many others have invested millions of dollars here. I am sure this list will continue to grow as more big players and individuals realize the advantage of investing here.

Finally, this peaceful ambience, excellent investment climate and unparalleled beauty are the reasons Costa Rica has become one top five emerging real estate markets in the world. See more on Costa Rica Continue reading