Are You Losing Fat, or Just Losing Weight?

The Importance of Body Fat Percentage

Did you know… That two people can have the same height and weight, but very different percentages of body fat?

Did you know… That as we age, we tend to gain fat around our organs (“visceral fat”) that can’t be detected by measuring “skin folds” or even with a scale?

Did you know… That chances are that if you are losing weight, you will lose muscle as well as fat?

Weight management is a goal on a lot of people’s minds these days. People get on the scales in the morning, and the number they see may determine how they feel about themselves. But the truth is that some people make think they are overweight, when the amount of fat they have on their bodies is just fine, while others may carry hidden fat that the scale won’t tell them about.

What is Body Fat Percentage?

Our bodies are made up of a lot of different kinds of tissues (plus a lot of water). There is muscle, fat, bone, and specialized tissue such as is in our various organs. The body fat percentage is just that –- the percentage of our weight which is made up of fat. Body fat percentage is similar to terms such as body fat ratio and body composition. The part that isn’t fat is called our “lean body mass.” A 160-pound person with a lean body mass of 120 lbs has 25 percent body fat (40 lbs of fat). That may sound like a lot, but our bodies need a certain amount of fat for insulation, energy storage, hormone production, and other functions scientists are just discovering.

How Much Body Fat Should a Person Have?

This depends upon a few variables. Women need more body fat than men. Breasts are almost all fat, and women have more fat around their hips -– that’s just the way it was meant to be. If a woman’s body fat drops too low, she will stop menstruating. Also, men naturally have a greater amount of muscle bulk. Another factor is age. As people get older, their muscles tend to shrink, and they tend to accumulate visceral fat. This is at least partially related to the decline in testosterone and other hormones. You can find your individual body fat recommendation in these charts. It is important not to confuse BMI with body fat. The BMI (body mass index) numbers are NOT percentages of body fat. I often see advice on Web sites where the two are plainly being confused. For example, a BMI of 29 is in the overweight range for women. This has nothing to do with 29 percent body fat, which is considered healthy.

What’s the Difference between Body Fat Percentage and BMI?

BMI (body mass index) is a formula based on height and weight. It was developed because in the general population, it is correlated with body fat. However, there are quite a few groups of people for whom BMI is not as accurate –- short women and muscular people, to name two. BMI also varies according to some ethnic groups. Also, for people who are interested in changing their body composition and not just their weight, knowing body fat percentage is an improvement over BMI. For example, if you are exercising to build muscle (a good goal), knowing your body fat percentage is a good idea. Also, when losing weight, you want to preserve as much lean body mass as possible. (Low-carb diets generally produce better results than high carb ones for this purpose.)

What is a Healthy Body Fat Percentage?

Age-Adjusted Body Fat Charts for Men and Women

If you look around the Internet, you will see a lot of different recommendations for body fat percentages. As far as I can tell, this is the most authoritative, as it is based on World Health Organization and National Institutes of Health recommendations, and takes age into account. Please do not confuse these numbers with the BMI (Body Mass Index) scores, which are not the same thing.

Age-Adusted Body Fat Percentage Recommendations

Women

Age	Underfat	Healthy Range	Overweight	Obese
20-40 yrs	Under 21%	21-33%	33-39%	Over 39%
41-60 yrs	Under 23%	23-35%	35-40%	Over 40%
61-79 yrs	Under 24%	24-36%	36-42%	Over 42%

Men

Age	Underfat	Healthy Range	Overweight	Obese
20-40 yrs	Under 8%	8-19%	19-25%	Over 25%
41-60 yrs	Under 11%	11-22%	22-27%	Over 27%
61-79 yrs	Under 13%	13-25%	25-30%	Over 30%

Source: Gallagher et al. Am J Clin Nut 2000; 72:694-701

Lifepak from Pharmanex

LifePak Anti-Aging Formula

In the twentieth century, the average life span increased by 30 years. At the same time, health problems associated with normal aging continually increased. So we're living longer, but are we living better? Start taking care of your health now and really live those extra 30 years. More than 1,000 clinical studies show the benefits of the ingredients in LifePak. Recent research strongly suggests that a major cause of aging is oxidation of cells and free radical damage of DNA. LifePak is clinically proven to protect the body from oxidation and free radicals. LifePak is formulated to add life to your years!*

LifePak (30x x2)
Price: RM 392.00              Discounted Price: RM 275

Testimonials

By taking LifePak, I have increased my quality of life dramatically.  Increasing my Scanner score has started an overall commitment to better health, eating, and exercise.” – Michael H., US

“I use LifePak and Marine Omega and feel much more energetic all day, like how I used to feel in my 30’s.” – Maximilan M., DE

“My favorite Pharmanex product is LifePak.  It has improved my overall health and well being.” – Lee K., US

Benefits

• Offers superior anti-aging benefits and cell protection by providing the body with important antioxidants and phytonutrients such as alpha-lipoic acid and catechins
• Improves and supports your antioxidant defense network
• Supplies a comprehensive blend of nutrients to support a healthy cardiovascular system
• Provides comprehensive bone nutrition support
• Promotes healthy immune function
• Supports normal blood sugar metabolism
• Corrects nutritional deficiencies

Usage

Two packets daily. Take the contents of one (1) LifePak® packet with eight (8) ounces of liquid with your morning and evening meals.

Ingredients

Ingredients	Amount	% Daily Value
Serving Size: 1 Packet
Vitamin A (as Vitamin A Palmitate)	1250 IU	25%
Vitamin C (as Calcium Ascorbate)	200 mg	333%
Vitamin D (as Cholecalciferol)	200 IU	50%
Vitamin E (as D-Alpha-Tocopheryl Acetate, Tocotrienols)	75 IU	250%
Vitamin K (as Phytonadione)	20 mcg	25%
Thiamin (as Thiamine Mononitrate)	3.75 mg	250%
Riboflavin (as Riboflavin)	4.25 mg	250%
Niacin (as Niacinamide)	17.5 mg	87.5%
Vitamin B6 (as Pyridoxine Hydrochloride)	5 mg	250%
Folate (as Folic Acid)	300 mcg	75%
Vitamin B12 (as Cyanocobalamin)	15 mcg	250%
Biotin (as Biotin)	75 mcg	25%
Pantothenic Acid (as D-Calcium Pantothenate)	15 mg	150%
Calcium (as Calcium Carbonate, Di-Calcium Malate, Calcium Ascorbate)	250 mg	25%
Iodine (as Potassium Iodide)	50 mcg	33%
Magnesium (as Magnesium Chelate, Magnesium Oxide)	125 mg	31%
Zinc (as Zinc Oxide)	7.5 mg	50%
Selenium (as L-Selenomethionine, Sodium Selenite)	70 mcg	100%
Copper (as Copper Chelate)	0.5 mg	25%
Manganese (as Manganese Chelate)	1.0 mg	50%
Chromium (as Chromium Chelate)	100mcg	83%
Molybdenum (as Molybdenum Chelate)	37.5 mcg	50%
Polyphenol and Flavonoid Blend	97.5 mg	*
Catechins (from Camellia sinensis) Leaf Extract (20:1)	(45 mg)	*
Quercetin	(25 mg)	*
Grape Seed Extract (min. 95% Polyphenols)	(12.5 mg)	*
Citrus Bioflavonoids (from Citrus Fruits)	12.5 mg)	*
Resveratrol	(2.5 mg)	*
Gamma-Tocopherol	37.5 mg	*
Beta- and Delta-Tocopherols	16 mg	*
Alpha-Lipoic Acid	15 mg	*
Inositol (as Inositol)	5 mg	*
Carotenoid Blend	8.25 mg	*
Beta-Carotene (from Palm Fruit and Blakeslea trispora Extracts)	3.75 mg (6250 IU)	*
Lycopene (as Lycopene)	(2.5 mg)	*
Alpha-Carotene (from Palm Fruit Extract)	(1 mg)	*
Lutein (from Marigold Flower Extract)	(1 mg)	*
Boron (as Boron Citrate)	1.5 mg	*
Silicon (as Sodium Metasilicate)	1.5 mg	*
Vanadium (as Vanadyl Sulfate)	10 mcg	*

ageLOC R2

 

ageLOC R2

ageLOC R2 is the second supplement product that reset aging from inside of our body (ageLOC Vitality being the first in the world) .  It functions in two ways:

ageLOC R2 RECHARGE and RENEW

ageLOC R2, which is developed using patent ageLOC technology,  is going to be available in Oct 2011.  ageLOC is the only science that target the genetic level of aging.   It can  identify, target and reset our Young Gene Clusters and stop aging from its source.
In the day time, ageLOC R2 recharge our physical energy, mental clarity, sexual drive and overall vitality.
In the night, ageLOC R2 renew our body by detoxing and purify.

What is AgeLoc?

Ageloc is an anti-aging technology based on the genetic research of Stanford University and LifeGen technology.

For 30 years, they were able to map 28,000 genes in the human body. and some of these genes are the super markers of aging process. This is called Youth Gene Clusters. It is in us. no matter how good your surroundings are, everyone will go through the aging process (as how we know it).

These researchers knew how to locate this YGC.

Another company bought the research and the patents and created the AgeLoc technology.

It targets the ultimate source of aging- our genes.
It resets the youth gene clusters back to their youthful activity.

"By 2030 the number of people worldwide over the age of 60 is expected to reach more than one billion. By 2015, the anti-aging industry is expected to grow 76 percent in the United States, 73 percent in Europe, 72 percent in Japan, and 82 percent in the Asia-Pacific region."

Goodbye painful skin care procedures, as this Ageloc technology can be used by anyone. No doctors needed. No technical knowledge needed. No costly sessions required. No heavy machines. No blades and needles.

To maintain a healthy weight and body this coming new year!

Merry Christmas and Happy New Year 2012 :)

I hereby wish that this coming year will be a fruitful year for you guys and may all your wishes come true!

Please spare me a bit of your time to carry on reading. It’s a great discover that I would love to share with all of you this coming new year!

I'm currently doing a healthcare management programme at NuSkin Pharmanex, with TRA (The Right Approach) as main program.

It is very effective in helping people to loss weight by reducing body fats & visceral fats and lead a healthy lifestyle with no weight rebound, even helped many patients get off medication from cholesterol, blood pressure, n diabetes problems! At the same time, it’s a form of prevention to diseases. This is suitable for people of any age and regardless you’re underweight or obese because it contains all the good and non of the bad. Completely different from all other dietary/slimming products or programme in the market! 

This is not just evidence by word of mouth or testimonial. My friends and their family and many others have tried it and it have been proven so! I feel that it would be so selfish of me knowing such a wonderful programme and not sharing it with people around.

I would be more than willing to share with everyone more about this and the wonders it have been creating. Everyone can just contact me! My email add: Laikwan.ng@gmail.com or FB -zoe_5612@yahoo.com

 

P.S. You might want to share this piece of good news with your friends as well!

New Project Opposite Jaya One

Projects Details

•  Size of development: 6.04 acres
•  Located at Seksyen 13, Petaling Jaya (opposite Jaya One)
•  Mixed development of commercial space and residential units.
  - 2 commercial blocks of 14-storeys (Star Office Building) and 17 storeys (Signature Office Suites)
  - 3 service apartment blocks of 25 to 34 storeys
  - 7 storeys of retail space
  - 5 levels of basement car park
  - 3rd to 8th floor elevated car park
•  Total units of service apartments : 647
•  Total units of signature office suites : 258

Projects Details

•  Great location with Asia Jaya LRT Station nearby
•  Superb accessibility to major highways such as Federal Highway, Sprint Highway, LDP and NKVE, as well as major roads
   close by
•  Mature surrounding development
•  Close proximity to established popular shopping centres such as Tropicana City Mall, Mid Valley, SS Two Mall and One
   Utama Mall
•  Prominent recreational club known as Kuala Lumpur Golf and Country Club
•  Near to well known hotels such as Hilton, Armada, Crystal Crown and Eastin
  

Pacific Place

Pacific Place confidently reflects the latest addition of opulence to the already established community that harbours rich, exclusive amenities surrounding the urban mix development. Welcome to a truly new era of style, fun and easy living.  Next to New LRT station  Reputable International Schools and Colleges  Luxury Hotels & Golf Resorts  Lifestyle Malls & Hyper Malls (Sunway Pyramid/Carrefour/Subang Parade)  Health Institutions (SJMC & Sunway Medical Centre)  Surrounded by Affluent & Established Communities

EPF Withdrawals

Source from: Employees Provident Fund Website

This withdrawal allows you to utilize your savings from Account 2 to partially finance your purchase of a house individually OR jointly with your spouse or close family members namely parents or siblings. Buying of a house with another individual who has no kinship is allowed provided that the other individual is a buyer and borrower. This withdrawal allows you to buy a house from a developer or an individual or through a public auction.

1. What are the requirements for Withdrawal To Purchase A House?
Members must be:
Malaysian citizens; OR
Non-Malaysian citizens who have obtained Permanent Resident (PR) status; OR
Malaysian Citizens who have made Leaving The Country Withdrawal before 1 August 1995 and have opted to re-contribute to the EPF; OR
Non-Malaysian citizens who have became members before 1 August 1998;

2. What is the amount entitlement under Withdrawal To Purchase A House?
Members can withdraw their savings according to the following, whichever is lower;
Individual Purchase – The difference between the house price and the loan amount plus an additional 10% of the house price; OR
All the savings in the applicants’ Account 2 subject to maximum amount eligible for withdrawal (whichever is lower)
Joint Purchase With Spouse, Family Member or Other Individuals
For housing loan of 100% - 10% from the cost of building the house; OR All savings in Account 2 (whichever is lower)
Cash purchase – house price with an additional 10% from the cost of building the house; OR All savings in Account 2 (whichever is lower)

3. How is the payment made?
The payment for withdrawal will be credited directly to the bank account with the following conditions:
- Members own a bank account with the EPF elected panel banks.
- Members’ bank accounts are still active, and
- Members’ bank accounts types are individual savings/current accounts OR Individual Joint Account for withdrawal amount of more than RM100,000.00

4. How do I submit the applications?
Applications can be submitted at any EPF Offices nearby, either at the counters or by post.

For more information, visit the Employees Provident Fund webpage for EPF Withdrawal to Purchase a House.

Home Loans

Just to ensure that you can get the most out of the information for that property you are eyeing, try to get familiar with mortgage terms and talk to some banks on their housing loan promotions. It is important to develop a financial plan so that you not only save money for the down payment, but for other costs that will come along later like the credit check, the mortgage application and the closing.

Listed below is a set of criteria that governs the end-financier’s evaluation of housing loan applications:

Income & Credit
The Applicant should have adequate income to qualify for the loan. The normal requirement is that the monthly loan repayment should not exceed 1/3 of the applicant's monthly income or in the case of joint purchasers, their joint monthly income.

Example: For a RM 200,000.00 loan over a period of 20 years, the monthly loan payment (at 10% per annum x monthly interest) is RM 1958.00. Thus, the applicant must have a minimum monthly income of RM 5,874.00 (RM1,958.00 x 3).

Applicants are required to supply evidence of their income, such as pay slip, EPF statement or income-tax return form to enable the end-financiers to ascertain their ability to repay the loan. However, for those who are self-employed, they should produce bank statements, sales invoices, receipts or other documentary evidence to verify their income claim.

Having an established credit history is also an important criteria in a smooth house buying process. Pay your loan on time, limit your debt, reduce the amount of credit cards you have and use them responsibly. It is also important to reassess your credit report - a record of past and current debt that states when and how you paid.

Age
Generally, the age limit for the loan payment is 55, which corresponds with the normal retirement age. It is possible that some end-financiers might extend the age limit to 60. (Depending on Individual Banks’ Policies or Package)

Guarantor
If your income or credit are not so convincing, the end financier may require you to provide a guarantor or guarantors whose joint income should meet the above mentioned minimum requirement.

Evidence of additional income
To avoid guarantors and you may have a substantial amount in your savings or fixed deposit account you can use it as evidence of additional income which the end-financiers may take into account during evaluation.

Home Buyers Guide

This summary is intended as a general overview of a typical house purchase, and to identify the typical procedures followed. Prepare a checklist and go through them one by one before making any decisions. Below are some pointers that might be able to help you consider before choosing your dream home. Develop a financial plan that is affordable to your budget and relative to the property Consider buying a home that you can sell at a profit What are the pre-requisites that you need for your dream home? List them down Do not hesitate to call our Sales Advisors who can advise you on your choice of location & budget Visit & compare properties that are on sale/launch. Decide carefully, weigh the pros and cons as it will be a long-term commitment Browse through & study the classified advertisements in the papers for existing properties to make comparisons on specifications and market price Some additional tips that you should take note before making your choice: Sale and Purchase Agreement (SPA) Insurance Stamp duty and Legal Fees on Loan Agreement Stamp Duty on Transfer Schedule of Payment Handing Over of Keys Certificate of Fitness