What Insurance Companies Don’t Want You To Know About How They Assess Health Risk

Lots of companies streamline operations… they make policies and procedures simple so the rank and file can follow them consistently and accurately. In the case of life insurance companies,  the task to assign disease risk is often tied to a simple height weight chart.  Here is an example. Insurance Height Weight Chart

It is a simple fact… the more you weight, the more you pay. Now in reality there are some serious flaws in correctly assigning health risk simply using a height weight chart. For example, if you are considerably more muscular than average you will pay more, even if you have low body fat. I was watching the NFL combine on TV yesterday and every single player I viewed was off the chart, even for the large frame category. Yet these are some of the fittest and most trained individuals on the planet.

The accuracy of these measures can be improved by adding other measures, like waist circumference. If your extra weight is not distributed on your body in the wrong areas (the waist) then indications are your higher weight is not an indicator of higher health risk.

Another popular body measure tool is body mass index. This tool also ignores the actual fat and fat-free mass and makes general assumptions to assign weight classification ratings. Learn about body mass index here and find a body mass index calculator here.

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Blueprint To Lose 50 Pounds In A Year

All it takes is losing one measly pound each week. You don’t need risky, costly, invasive surgery, dangerous pills, grueling workouts or exotic diet plans. A pound a week is 3,500 calories – spread that over 7 days and you have a manageable 500 calorie goal per day. Adopt a divide and conquer strategy between physical activity and diet and that is only 250 calories each per day.

Here are some simple and straightforward ways to tackle this challenge.

  • Step 1: Record your normal weekly exercise/physical activity. Look at everything from walking the dog to sports and workout activities. This is your starting point. You will need to add activity to help burn off the 500 calorie per day goal. To compute the calories burned in various activities look up a MET chart on line. Multiply the number for your activity times 3.5 times your body kcals burned calculation exampleweight in kg. Then divide that result by 200 and that equals your kcal/min. MET example – golf with a cart is 5.1 and jumping rope 60 – 80 skips per minute is a 9.
  • Step 2: Record your normal weekly food intake. This may be an eye-opener when you see how many calories you eat in a day. Record everything honestly, since you are only cheating yourself by not recording everything. Calculate the total number of calories that you eat in an average day.
  • Step 3: Divide the 3500 calories per week between your activity list and your food list. You choose what you think will work best for you. How much to put on the food side and how much to place on the activity side. Review your status every evening. If you failed to accomplish your activity goal that day the skip or manage the after dinner snack.

Here are 6 simple ways to cut 250 calories:

  1. Drink plain coffee instead of a sweetened coffee drink. Flavored coffee drinks are delicious but filled with way too much sugar. Drop 250 calories (some swaps worth as many as 435+) when you stick with plain coffee or tea instead of sugar-filled coffee drinks.
  2. Eat before you go out to holiday events or anywhere the meal is provided. There are many bad choices when eating out especially at the buffet line. This one is tough for the penny pincher (I :) know).
  3. Jog for 30 minutes. Want in on a little secret? The hardest part about a simple 30 minute jog is the act of getting your shoes on and walking out the door. It’s true.
  4. Exchange 20 oz of regular soda for water. You know that soda is filled with tons of sugar, so why are you still drinking it? Every time you crave an ice cold cola picture swallowing spoonfuls of white sugar. That’s probably the easiest way to weight gain. Stick with water and kiss those extra calories goodbye.
  5. Swim laps for 30 minutes. If your response to my jogging suggestion was ‘I have bad joints’, then you are in luck. Swimming is one of the best aerobic activities you can do, and it is impact-free. When you swim you recruit your entire body, a process which requires lots of energy—AKA calories.
  6. Eat an apple instead of a cookie. Do you always go for something sweet after dinner or your snack time? While your first instinct may be to reach for a cookie or a bowl of ice cream, why not consider what nature has to offer? Fruit is sweet, natural and lower in calories than traditional desserts. Consider the savings by going with a 50 calorie apple. For example, one of my favorites, Archway Iced Oatmeal cookies at 435 per serving. That’s worth some pretty significant time on the treadmill.

I have the whole calorie-burning equation down to a science, and I’d love nothing more than to help you achieve your fitness goal. My workouts have been known to burn up to 500 calories in a session, so keep that option in mind if you would like someone to help hold you accountable to getting your activity on!

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Are New Weight Loss Therapies Needed?

My vote is they sure are. The continuous rise in obesity rates and the corresponding dollars thrown at the related medical problems are steering our economy to bankruptcy. The cost of treating obesity and its complication in the United States is approximately 100 billion dollars per year [1].

The traditional methods of diet and physical activity are not getting it done. It can’t be education. Millions of “couch potato’s“ still watch prime time TV right… like “The Biggest Loser.”

Weight Loss Medicines

Not a lot of optimism on the drug front. However, the Food and Drug Administration (FDA) did recently recommend approval of the weight loss drug Contrave. The vote was 13 to 7 for approval. Plus an 11 to 8 vote with one abstention to conduct additional studies on heart risks. The same risk of complications theme was encountered by the two other weight loss drugs (Lorcaserin and Qnexa), which the FDA rejected earlier this year.

Lasers To Melt Fat

Introduced in early 2010, the cold laser Zerona treatment uses non-invasive beams of light to reportedly melt fat. While conventional hot lasers are proven therapies for eye surgery (Lasik) and cancer treatment, no studies are out yet to validate laser fat loss.

1.  Ludwig, DS, Pollack, HA. Obesity and the economy: from crisis to opportunity. Jama 2009; 301:533

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Diet Information Is Everywhere

Killing some time in the bookstore and could not believe what I saw. Do every one and their mom have a diet book out? I mean why does Dr. Phil need to write a diet book?

Can’t this diet thing be boiled down to taking responsibility for managing what you put in your mouth? Some basic things like portion control and balance, trying to get a variety of foods in your diet. Simple guidelines are right in front of you everywhere you turn.

Sign in the grocery produce section correctly tells you to try and get 5 servings a day. You can’t watch a morning news show without being bombarded by diet and nutrition tips. Maybe it’s an emotional (okay I see the Dr. Phil angle) or motivation thing. Is that what all those books are about? I don’t read them. Or is it magic diet formulas?

If you have a specific health diagnosis or concern then scouring these books for something relevant seems worth it. But most of what I saw was just basic look good and sexy diet “secrets.”

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The Best Workout For Abs

First off, if you have any significant extra weight around your waist do you think there is one key abs exercise that is going to give you a trim and toned midsection? Nope. While ab exercises are great for toning your midsection and strengthening your core, solely doing them will not get you wash board abs. Fact is, getting an attractive midsection takes more than 100’s of crunches. It takes serious effort and a success with several strategies.

The only efficient way to bathing suit show-off abs is to lose the body fat that is currently camped in that area. The way to do it is to:

1) Get in some regular cardiovascular exercise.

2) Adhere to a full body strength training routine.

3) Eat a nutritious, calorie specific, healthy diet.

You may not like all that. It often seems overwhelming at first. The key here is to change your lifestyle to one that promotes weight loss rather than fat storage.

Now on with what a full-blown abs workout is. If you only do crunches you may be neglecting near 75% of the area. So here is how you get it all.

Target four specific abdominal areas.

  • Upper abs
  • Lower abs
  • Obliques (sides)
  • Entire core.

Put one exercise that targets each area in every midsection workout. Now the good stuff.

Upper abs – The Crunch.

stomach crunchThe Crunch

The style I like is to push your arms straight up toward the ceiling with extended arms. I think you are better able to judge how complete your reps are with this style versus a prisoner hand position basic curl up.

Lower abs – Roman Chair or Hanging Leg Raise –

Roman Chair Leg Lift

roman chair leg raise exercise pictureLower the legs slowly and tighten the whole area. Beginners keep bent legs or even jump assist from a box and focus on the negative (lowering) part of the lift as you build up strength. If you don’t have the hanging equipment do incline or flat leg pull-ins or raises.

Obliques – Oblique Crunch –

oblique crunchOblique Crunch

Lie on your back in basic crunch position with hands behind your head in prisoner position and knees bent. Cross one leg over the other, resting your ankle on the opposite side knee. As you start a crunch movement turn to the side bringing your opposite elbow to touch your crossed leg knee. Exhale as you raise and inhale as you slowly lower to the starting position.

Entire core – Elbow-Plank.

elbow plank exerciseElbow Plank

Hold yourself in the elbow-plank position till failure. Do this exercise last as it incorporate more support muscles to assist already fatigued abs continue their effort.

So there you have some great exercises that make for a serious full-blown abs workout. Enjoy!

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