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Coffee and belly fat
It’s early in the morning and you’ve just arrived at work. You’re tired, still sleepy, but ready to socialize a little with others. You head toward the company coffee pot, pour up a cup and sip it slowly with the other workers as you discuss your evening and the work ahead for the day. On top this, Coffee has some great benefits. It may even help you lose weight according to some studies. Or, it could just deplete your body of needed hormones and actually cause you to gain weight. This second side of the coin is what many new research studies are finding about the good old standby, coffee. Coffee tends to deplete the body of many needed minerals and hormones. One such hormone is DHEA. When DHEA is taken out of the body it can be a very bad thing for those thirty-five and over trying to lose that belly fat. DHEA is a growth hormone found in the body, but as mentioned it decreases after about the age of thirty-five. At this point, the body starts to store more fat. The body prepares the fat and sends it right to belly for storage. Physicians are recommending that at age thirty-five and forward, people should take a DHEA supplement of about twenty-five milligrams. Now add coffee into the equation with the fact it takes DHEA out and you have all the makings for a fat belly. Another problem with the coffee is caffeine. At this point you are likely thinking that caffeine is one of the main ingredients in diet pills. Unfortunately caffeine also stimulates the adrenal glands and causes them to produce cortisol. That is the bad word you hear on late night television and it goes right to belly. The result is what many experts call caffeine belly fat. There are alternatives though. Experts are suggesting green tea, sugar free drinks, and other drinks that will sometimes help with the loss of coffee. The mornings in front of the coffee machine will never be the same and you’ll likely still enjoy the smell of fresh coffee grounds, but in the end you will be better off. In fact, you may be the only one holding a drink still able to see your own toes without bending. If you are hooked on coffee, you may want to break away gradually to avoid severe headaches sometimes associate with caffeine withdraws. As always, you must still watch your diet and exercise to help with many other factors that contribute to belly fat.

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Fat melting machines
A fat melting machine at first sounds like something out of science fiction and it may very well have had a foundation in someone’s dreams. Do a quick Internet search and you will find these machines are being promoted everywhere and in various forms. One even looked like an arcade game with what appears to be “guns” setting on the top idling awaiting the next person to pick up. It does sound like science fiction the closer you start looking into the machine. It is easy to see some future doctor saying, “Well, you have added a few extra pounds. Hold still a moment while we melt those away.” The future is apparently here now. The fat melting machines were developed by plastic surgeons and at the very basic concept the design is set up to melt fat off the body. It is being promoted as “safe, painless, and easy” all the keywords that people love to hear. Keeping in mind there are several different variations of this machine on the market, the one being promoted by some plastic surgeons uses ultrasound to melt away fat. It was tested on pigs and results were extremely promising before it was used on humans. The concept of the machine is simple. The targeted area is identified and the machine points to that area using ultrasounds. The fat is broken down and absorbed back into the body and out as waste. Currently recommendations are to do just under a pint of fat at a time. It then takes about two to three weeks for the body to absorb the tissue and dispose of it. At that time, additional treatment can be given. One of the top manufactors of these new machines is UltraShape. Located on the Intrernet at http://www.ultrashape.com, the first image that hits the viewer is a young woman in a bikini presumably showing the after picture from using the machine. An online video will explain the machine’s ability and plenty of written material indicates that this particular machine is “safe and effective,” “long lasting” and “clinically proven”. The site claims there is no recovery time. The benefits of this machine may mean that many people could complete a treatment on their lunch hour and return to work without complications. Seems too good to be true and there are those opposed to the use of the machines. Some have called the machines, Thermage, and claim that they leave lumps and have a large group of people claiming they are not satisfied with the results. It is recommended that someone considering these machines, consult a knowledgable physician and maybe even consider a second opinion. After all, we may not be as far into the future as we thought we were and caution will apply today just as well as it will a hundred years from now.

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401k unbundeled
When talking about different models implemented by the vendors in order to deliver 401K products to various plan sponsors, there are 3 main models in the row. There are several things which one should keep in mind while selecting a proper vendor. Even while selecting plans all the pros and cons need to be considered in the right manner. The choice of the suitable model is very important as it puts a great impact on one’s workload, his/her plan expenditure as well as on the services as well which are required to be delivered to the person as well as his/her employees. In addition the proper knowledge of these plans would assist one in comparing as well as analyzing the quality of the vendors as well as their offers. As per Matthew Gnabasik in his book, “Smart Choices, Selecting and Administering a Safe 401(k) Plan.” he wrote, “When you understand the different ways in which plans can be assembled, it becomes easier to quickly categorize various products and to understand the inherent tradeoffs within and between each model. Ultimately, this makes you a better shopper.” The 3 models used by vendors are: 1. 401K Bundled 2. 401K Unbundled 3. 401K Alliance 1. 401K Bundled: This is the firs model in which the vendor solely provides all the necessary ingredients like investment and recordkeeping, along with administration as well as other education related ancillary services. As a matter of fact, there are no grounds for variations in the standards and hence there are no ways by which the liability to use the mutual funds could vary which is not at all taken care by any vendor. The best part of these providers is that they are in a position to provide all the desired services ranging from the administration related services to other very small services. Another advantage of this model is that the costs are quite less making it more preferable. 2. 401K Unbundled The other model is 401k unbundled model where the sponsor of the plan steps into the shoes of the “bundler.” In this model the plan sponsors is in a position to provide all the necessary services with the help of an in-house staff as well as other service providers operating independently for any sort of complicated task. The best part of 401K unbundled model is that it enables maximum control as well as the ability to choose the best service providers. The 401K unbundled model is widely used in larger plans having adequate resources in order to manage critical plans. 3. 401K Alliance This is the third model which is in reality a mix of both of the above models. The best part of this model is that it is very competitive as compared to above two models

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