Secrets to Slim Legs Revealed By Women’s Fitness Expert

Australian Fitness Expert Rachael Attard Shares
Proven Strategies for Achieving Lean, Toned Legs

– Personal Trainer Sheds Light on Six Common Mistakes Preventing Fitness Goals –

Australian personal trainer and nutritionist Rachael Attard is successfully tackling a point of frustration for active women across the globe – how to achieve toned, lean legs. The trusted fitness expert is sharing her six proven reasons why legs don’t slim down despite regular exercise and a healthy diet, including common mistakes and how to avoid them.

“I hear from so many people that they’re training hard, eating well and focused on their fitness goals, but their legs aren’t getting slimmer,” said Attard. “Legs are the hardest area to slim down for most women. It’s easy to go down the wrong path when trying to achieve leaner legs, but a series of mistakes including doing the wrong types of workouts or not eating enough are likely to blame.”

According to Attard, mistake No. 1 is that you could be doing the wrong workouts.

“I see a lot of women solely focusing on doing heavy squats and lunges,” Attard said. “While those exercises are great for overall fitness, they won’t necessarily help slim down your legs if that is your main goal. I recommend switching it up and focusing on a mixture of cardio and resistance workouts along with walking.”

Cardio will help you drop body fat faster and resistance workouts will help you build muscle and burn more calories.

Mistake No. 2 is overtraining your legs, with women assuming that focusing on the legs as a problem area is the smart choice. The fact is, according to Attard, you can’t spot reduce fat from specific areas of your body through resistance training. This is an impossible effort, with results achieved much quicker and easier by adopting total body movements that work every area of your body equally, such as burpees and mountain climbers.

Not getting enough cardio is mistake No. 3 on Racheal’s list, which is a key element of achieving slim, toned legs. “Cardio is definitely not dead”, says Attard when it comes to slimming down your legs effectively.

At least 30 minutes of cardio daily is recommended for the best results, which Attard says can consist of simply walking.

“A lot of people don’t consider walking an exercise, but it’s one of the most effective exercises for lean legs, as it rids the body of overall excess fat including your inner thighs,” she says.

Attard is a big proponent of walking and advises starting each day with a 5K walk and incorporating as many steps into your day is at the top of her list of ways to achieve slimmer legs.

Overeating is mistake No. 4, which Attard attributes to most women not tracking their daily caloric intake and actually eating more than they realize. She recommends calculating your ideal daily amount of calories online, and eating approximately 200/250 calories less than that number without going below 1,200 calories per day. Conversely, not eating enough is mistake No. 5. In the same way you sabotage your fitness goals by overeating, under-eating can actually result in bigger legs. This is attributed to the fact that calorie restriction reduces your metabolism, which makes it harder to burn extra calories.

Finally, mistake No. 6 on Attard’s list is overall health and lack of awareness of a broader health issue that could be restricting your fitness success. This could include hormonal imbalances that cause weight gain and make weight loss harder to achieve, which can be helped by consulting a doctor or naturopath.

Rachael Attard is a certified personal trainer and nutritionist who holds a Bachelor of Science degree from the University of Queensland, a Cert III and IV from the Australian Institute of Fitness, and a Certificate in Sports Nutrition from the International Society of Sports Nutrition. Her 3 Steps to Lean Legs Program was developed from her years of training women and helping them feel good in their skin, and fall in love with exercise and their bodies.

Additional details about Rachel Attard’s 3 Steps to Lean Legs Program can be found online, at https://www.rachaelattard.com. The website includes access to the program, a free body type quiz, insightful blog posts and more.

Liz Earle Shares Her Tips For Dry Lips

Liz Earle dry lip tipsAre dry lips bothering you right now? As the effects of chilly winds outside and drying central heating inside conspire to whisk moisture from our skin, our lips are often the first to show signs of suffering. Liz Earle, creator of the award-winning Liz Earle Beauty Co., mother of five, organic farmer and more recently founder of Liz Earle Wellbeing, reveals her top tips with Frost on combating dry lips this winter.

 

·         Drink plenty of water and up your intake of B vitamins as low levels can lead to dry, cracked skin.

·         Resist the urge to lick your lips – this only makes them sorer.

·         Buff away dead skin cells away using a soft toothbrush to help reduce chapping.

·         Read the labels! Not all lip balms are the same. Balms or sticks made with mineral oil or petroleum jelly don’t moisturise as such, they simply sit on the lips’ surface, and may even dry the lips out. Flavoured lip balms may taste nice but they might encourage you to lick your lips even more. More natural ingredients, such as plain plant oils and purified lanolin are by far the best choices for keeping lips soft and comfortable.

·         Very sensitive lips respond best to a fragrance-free, natural emollient. Most nipple creams, especially those that contain purified medical grade lanolin, can actually be the best balms for very sore lips.

·         You don’t have to forego the glamour! Lip gloss can help protect against the drying wintry elements, or try a tinted lip balm containing vitamin E, shea or cocoa butter.

 

Royal Mail to float – what interested investors should do

The biggest privatisation for two decades

 

·         Royal Mail to float

·         What interested investors should do

·         IPO Q & A

Today the Government have announced plans to float the Royal Mail in what could be the largest privatisation for two decades. The state-owned postal service could be valued up to as much as £3 billion in an initial public offering (IPO) taking place this year.

 

Richard Hunter, Head of Equities, Hargreaves Lansdown;-

““The success of the Direct Line Group & esure share offers has reignited private investor interest in IPOs. The offer of shares to the public is reminiscent of the float of British Gas in the 1980’s which was accompanied by the “Tell Sid” Campaign. Shares will be marketed to the public and any investors aged over 18 will be able to apply for shares.

 

What interested investors should do

 

Richard Hunter

 

“We don’t have the details of the IPO yet. Investors can register their interest with a stockbroker now and when a prospectus and application pack becomes available they will contact you with all the information needed to invest.”

 

Tell Sid? – Investing in an Initial Public Offerings (IPOs) Q & A

 

From the first “Tell Sid” privatisation of British Gas in the 1980s, flotations and Initial Public Offerings (IPOs) have always been of interest to the investor. Richard Hunter, Head of Equities, explains how they work.

 

What is an IPO?

 

An Initial Public Offering (IPO) is where the owner(s) of a company sell all of part of their stake to the public in order to raise money. This cash can then be used to grow the company or simply be returned to the owners. An IPO is also commonly called a flotation.

 

An IPO may only be made available to institutional investors or to a mixture of private (retail) and institutional investors. An IPO happens in three stages.

 

1.            The Intention to Float – The company announces to the stock market, public stating they wish to float the company

2.            Preparation of Prospectus – The company will then prepare and release a prospectus. This aims to be the definitive document relating to the launch and will describe the offer in detail. Applications to buy shares in an IPO should always be made on the basis of the information contained in the prospectus

3.            Sale of shares – The company and their advisers invite applications for the shares. The IPO will be open for a fixed time known as the Offer Period

 

When will the share price be known?

 

In some cases fixed price offers are made and the investor will know the share price in advance. Alternatively the share price will not be known until the date the company floats. In some cases the company will provide an indicative range for the flotation price of the shares e.g. £2.00 to £2.20. The precise price won’t be fixed until near the listing date and may depend on demand for the shares. Once the share has floated on the open market, the price will the rise and fall as all other shares do.

 

Why would investor want to get buy shares at IPO?

 

An IPO allows investment in a company when it first enters a stock market.

 

When will shares go on sale?

 

The timetable for an IPO generally spans four weeks. An Intention to Float announcement is made and then around two weeks later the prospectus is issued and the offer period starts. It is during this period investors can apply for shares.

 

Where can investors get a prospectus for an IPO?

 

Interested investors should contact a stock broker who will be able to register your interest in receiving a prospectus. In some cases a stock broker will provide research and updates as information becomes available. For example, Hargreaves Lansdown has been involved in the majority of IPOs over the last 30 years.

 

How do investors buy IPO shares?

 

Investors can buy IPO shares through a stockbroker. A share dealing account should be opened and money deposited to buy the shares. This can be done online or over the telephone using a debit card, or alternatively a paper application accompanied by a cheque can be used.

 

How many shares can investors buy from an IPO?

 

There is normally a minimum number – If the offer is oversubscribed investors may not be able to buy all the shares they want to buy. If this is the case the balance of money can be used to buy other shares or can be refunded.

 

Can investors buy IPO shares through an ISA, SIPP or Junior ISA?

 

In some cases money in an ISA, SIPP or Junior ISA can be used to buy IPO shares. This depends upon which market the company is listing upon and the type of IPO.

 

What dealing costs are paid?

 

Buying IPO shares is often free for investors.

 

Hargreaves Lansdown’s charges are as follows:

 

IPO share purchase                         Free

Share account charge                     Nil (Other charges to hold shares may apply e.g. in ISA and SIPP (ISA – 0.5% capped at £45 a year, SIPP – 0.5% capped at £200 a year).

 

Selling IPO shares will be subject to a dealing charge from £5.95 and no more than £11.95 (online).

 

Buying IPO shares after the offer period, when the shares are available in the market, will be subject to a dealing fee of no more than £11.95 (online) plus stamp duty of 0.5%.

 

Is there a minimum holding period? How quick can an investor sell?

 

There is no minimum period, but generally it takes 3 working days from the date of the float to issue the shares and selling cannot practically happen before then.

 

How will investors be able to sell IPO shares?

 

This is easy. Simply choose when and how many to sell, and execute the deal online or alternatively instruct a sale over the telephone. Dealing online is almost always cheaper than dealing over the telephone.

 

Will there be a dividend from IPO shares and if so, how will they be paid and when?

 

This depends upon the company. The prospectus will normally detail any proposed dividend policy.

 

How will investors find out if there are any special discounts or shareholder perks?

 

If there are any, they will be detailed in the prospectus

 

What are the risks?

 

The value of shares will fall as well as rise, so investors may get back less than they invested. Dividends are not guaranteed and, if paid, are variable. During the period between the Intention to Float being announced and the start of the offer period, the intention may be withdrawn. This rarely happens.

A company which is the subject of an IPO may not have a long track record and could be difficult to value or calculate a fair price. In many IPOs investors do not know the share price before committing to buy and therefore may end up buying at a higher price than they wished.

Investors should read the prospectus and any supplementary documentation as this will include the main risks of investing.

 

A decade on since FTSE 100 hit bottom at 3,287

A decade on since FTSE 100 hit bottom at 3,287

 

–       FTSE 100 returns 93% over 10 years

–       Technology sector is best performing returning 369%

Adrian Lowcock, Senior Investment Manager at Hargreaves Lansdown, looks at how investors have fared over the last 10 years.

 

In the last 10 years the FTSE 100 has risen 3,074 points or 93% since the low of March 2003, although it remains a little way off the high point of 6,732 reached on 15th June 2007.  Whilst the market has risen over the last 10 years there have been some big winners and losers during that time.  The Banking sector has been the worst performer over the last 10 years and the only sector to post a negative capital return with the FTSE All-share/banks returning -20%. The Technology sector posted the best performance with the FTSE All-share/Technology returning 369%, recovering from the lows seen in the years following the Dotcom bubble.

 

 

Performance of FTSE Sectors from 12 March 2003 to 28th February 2013

 

All Share Sector

% Growth

FTSE All-Share/Banks CR

-20.25

FTSE All-Share/Financials CR

22.81

FTSE All-Share/Health Care CR

78.02

FTSE All-Share/Telecommunication CR

100.11

FTSE All-Share/Oil & Gas CR

110.22

FTSE All-Share/Consumer Services CR

112.91

FTSE All-Share/Utilities CR

179.25

FTSE All-Share/Basic Materials CR

280.44

FTSE All-Share/Consumer Goods CR

346.31

FTSE All-Share/Industrials CR

360.45

FTSE All-Share/Technology CR

369.08

 

Adrian Lowcock says;-

 

“The technology sectors strong performance over the last 10 years highlights the contrarian nature of the stock market.  However, it is difficult for any investor to go against the trend and take such risks. Instead investors should focus on their long term investment goals and invest whenever they can afford to do so.”

 

“It is time in the market not timing that counts. Even though the FTSE 100 remains below its all-time high (6,930 on 30th December), if you had been invested all that time, with dividends reinvested, you would have been up 44.73%. In addition picking the right funds can transform your portfolio and make the nominal value of an index meaningless.”

 

Recommendations

 

Schroder UK Alpha Plus – Richard Buxton takes a long term view and is able to spot some opportunities before others – a distinguishing feature of all great investors.  Having the conviction to back them is equally important and Richard holds only 30-40 companies in his fund which means each idea has a significant effect on performance. You will never see his portfolio padded out with mediocre holdings just to make up the numbers. This fund has the potential to deliver superb returns, in a variety of economic conditions.

 

JO Hambro UK Equity Income – The managers believe the UK economy is performing better than most commentators expect. The fund continues to have a bias towards more economically-sensitive companies and has performed well recently as a result.