SBA 8(a) Business Development Program Webinar

This video explains how the SBA’s 8(a) Program works, its eligibility requirements, technical assistance available to small disadvantaged businesses through the program and common myths about the program.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

Find additional information and resources on small business grants and loans, home buyer programs and Community Foundation programs from around the world.

California Downpayment Assistance Program

The California Homebuyer’s Downpayment Assistance Program is a deferred payment junior loan that can be used in conjunction with other CalHFA housing programs.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Tips You Must Know In Order To Become A Leader

There are leaders in business, and there are followers. Often, the followers wish they could become leaders as well. Yet many followers also have no clue about what leadership is about. Those that have mastered leadership are a small group. Read on for suggestions that will change you from a follower to a leader.

Great leaders always keep a eye to the future. You have to anticipate things before they happen so you can make plans. You aren’t always going to see the future, but it is critical that you work on this skill more and more. Visualize where’d like to be in the future.

TIP! All good leaders look towards the future and focus on it. You must always see a long way down the road and plan with that vision in mind.

Make sure you’re always looking to simplify things as well. Identify what really matters to you. Then you can set more priorities after that. Make the work easy. Also you have to allow for time to think for others as well as you.

Leaders can find the talent in their team. When looking for those who will help you on the job, you want to build a team of talented individuals. Use this technique for small job contracting and your full-time team.

TIP! A successful leader is able to recognize the talents of other group members. This helps you realize who to choose for certain tasks and where to position people.

Honesty is a critical leadership quality. Great leaders are trustworthy ones. Set an example of a trustworthy and honest operation. When people know they can trust and rely on you, they will grow to respect you as a leader.

Make sure you let your team know that you appreciate them greatly. Taking a moment out of your day to show your appreciation is extremely important in building a positive work environment. You can increase company loyalty for free with just a few words.

TIP! When you are a leader, it is important that they know regularly they are appreciated. Just write them a quick note saying thank you for the hard work.

When exercising leadership, keep morals at the forefront. Ensure that your decisions won’t keep you up at night. If a decision will make you feel upset later, you should probably avoid making it. Even if others would make the decision anyway, you have to do what feels right to you.

Try to provide incentives for doing good work. Though everyone is already paid for their work, incentives can better the quality of it. If a team member works particularly hard on a project, reward them with a gift or cash bonus. A good leader isn’t cheap.

TIP! Incentives are a great way to improve output. Sure, you pay them to do their jobs, but a little extra motivation doesn’t hurt anything.

As you lead, concentrate on people and everything else will fall into place. You must learn what to do to inspire and encourage those around you. Instead of focusing a lot on each task getting completed, try motivating each person to do the best they can.

Set goals for your whole business. All people need to work towards something, and leaders can provide annual goals to each employee. Don’t just set goals and forget about them, though. Hold meetings about goals, and ensure that everyone is accountable for their actions.

TIP! It is important that you set goals for your team. Everyone enjoys striving for things, and leaders try positioning yearly goals for their team.

Do not act like you know it all. While you may truly be a great leader, you can always learn from your peers. They may be able to offer advice on how you can make your idea better, go through with it, or tell you flaws they see.

You should take some time every day to examine and evaluate the mood and environment at the workplace. It’s often a good idea to ask a few members of your team to participate in these daily evaluations. They can offer suggestions and you can discuss everything.

TIP! You should take some time every day to examine and evaluate the mood and environment at the workplace. Reflect on this yourself, or ask a few team members for input.

Be as approachable as possible. Many people believe that striking fear in peoples’ hearts and intimidating them is the best way for you to show them you are in charge. This generally isn’t going to work out, and people won’t give you respect because they won’t think you deserve it. Let subordinates know that they can bring you any concerns they have.

To be a good leader, it’s a good idea to learn how to listen to the people who work for you. They can give you great tips and ideas for what to do. When you see that they have processed your ideas, keep an open mind for their input to maximize your potential for success.

TIP! Listen to your subordinates; this is extremely important for a leader. They can give you great tips and ideas for what to do.

Now you should have the confidence to become a great leader. When you are confident, others will be confident in you. Use the tools you’ve just been given to become the respected leader you long to be. You can be successful, and others can help you get there.

Integrity and leadership go hand in hand. Honestly and striving to always do what is right at all times, is what sets you apart from other people. If you’re lacking integrity, it becomes quite difficult for others to have confidence in you. Lead with integrity to instill trust, loyalty and respect in your team.

TIP! Integrity is something that a great leader is going to have to have. This is shown through honesty and good judgement.

What You Need To Know About Grants.Gov

Grants.gov features over 1,000 grant programs from 26 different federal grant-making agencies in the United States. Most of the grants that are found on Grants.gov are mainly for organizations and institutions, only a few of them are for individuals.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Public Speaking Advice You Can Benefit From

Many people fear public speaking. They do all they can to avoid it. However, sometimes that just isn’t possible. If you aren’t comfortable with your current public speaking skill set and want some advice on how to do it better, then keep reading.

Once you have initially memorized your speech, practice it repeatedly. Rehearse your speech often to make needed corrections. In addition, practice breathing and controlling the pace of the speech. You will need to leave pauses for interruptions by the audience. If you can, go over your speech where you will be delivering it.

TIP! Once you memorize your speech, then practice it over and over. You’ll get smoother at your speech by practicing it often.

While speaking in public, you cannot assume that people are going to understand what you are talking about. It is up to you to grab their attention and hold on to it. You are performing for them, and speaking confidently to win them over is key to achieving the desired results.

As you prepare your speech, ascertain you know your topic well. Do some broad research that gives you all sides of the topic at hand. Make notes of this and use it in your speech. It will be worth it when you find the audience asking questions.

TIP! When making a speech, know the concepts of your topics to start with. Research broadly to get a full understanding of the topic at hand.

Know your speech through and through. After you can say it from memory, figure out how you want the delivery to go. Knowing your speech beforehand gives you that flexibility and allows you to be a lot more comfortable.

Know what type of audience you will be talking to. Connect with them before you begin your speech. If possible, greet a couple of them and find out what their names are. This will give the event a more personal atmosphere.

TIP! Know the audience. If there is a way, find things out about some individuals in the audience.

Make sure you know your material completely. If you have your speech committed to memory, it is still very important to understand the topic completely so you can tell stories or jokes related to it. Find a way to put them in your presentation. You can use them to answer questions too.

Familiarize yourself with the room you are using to give your speech. Find out how far your voice goes in the room without amplification. Practice with the equipment to learn how it operates. Make use of visual aids. Get a good feel for the best ways to make and hold eye contact with your audience too.

TIP! If possible, go into the speech room before the event. Determine if your voice will carry well without a microphone.

Keep your attention towards the audience. Don’t let yourself get distracted by things occurring around the room. Remember that you need to get your point across, and you won’t do this unless you let your audience know your attention is on them.

No matter what kind of mistake you make, simply forge ahead. The whole speech might be messed up if you feel like you have to go back and correct something. Plus, if you don’t draw attention to something that was omitted, then your audience probably won’t even realize anything was missing.

TIP! Keep your speech moving right along even though you realize you skipped over a section. If you stop and backtrack and try to correct your error, you will end up with a big mess.

After you have memorized the broad strokes of your speech, practice often. This will allow you time to tweak the speech if needed. Be sure to practice your pace and breathing. Give yourself some pause time after making key points. Whenever possible, practice your speech on the very equipment you will use.

Use deep breathing techniques to assuage your anxiety with regard to public speaking. Taking some deep breaths and then exhaling all the way before giving a speech can reduce nerves. Breathe in deeply and exhale slowly. Repeat this six times and you will soon feel so much calmer.

TIP! Deep breathing can help curb your anxiety. Doing some deep breathing and full exhalation prior to speaking helps calm you down.

You need to be very comfortable with the subject of your speech. Research the topic thoroughly. Make notes of this and use it in your speech. When questioned about your topic, you will find your good preparation invaluable.

Even if the event you’re speaking at is casual, dress nice. You will speak more confidently, if you are dressed nicely. Ties are great accessories for men to wear, as they help to bring the audience’s attention to a man’s face.

TIP! Even if you are speaking at an informal event, dress nicely. Your attire can help you to feel more confident, which will carry over into your delivery.

Everyone has the ability to speak well before crowds. All you need to do is take the time to learn how to approach it best and then practice, practice, practice. Practice is important to become a public speaking pro. Remember these tips when you have to speak in front of a group next time. You might find that it is not bad at all.

You should know your speech to become comfortable with it. Choose a subject that is close to your heart. Impress your audience by using a conversational tone.

TIP! You need to master your material in order to gain true confidence. Select a topic of real interest to you in which you have deep knowledge.

Public Speaking 101: Everything You Need To Know

Most people will have to make a speech at some point in their life. It is not possible to finish education without participating at least once. Most professions require public speaking at one time or another. Apply the tips in the article below to become a good public speaker.

You cannot speak in public and believe that people will automatically follow what you are saying. You need to fight for their attention and respect. Think of this as a performance, and that means you need to work harder to get the reactions you are looking for.

TIP! You must not think that just because you are talking, people are listening. You need to make an effort to get and keep their attention.

It is not a safe assumption that your audience will instantly relate to you. Getting the attention of an audience isn’t always easy and keeping it can be even harder. This is actually a type of performance, and that means that you must work hard to obtain the desired results.

It’s vital to know about everything that you will be talking about during a speech. You should even know facts and jokes about the topic of your speech. Gauge how your audience is reacting to your speech and use these things in a good way. Draw on your general knowledge in the Q&A session following your presentation.

TIP! Make sure to understand what you are saying. Regardless of whether you have the words memorized, it is still important to know random facts about the material.

Try using a timer to time the length of your speech. Doing this allows you to make sure you stay within the time frame given to you. If it is short, get more information through research to fill your time slot. Also, don’t rush through your speech when it comes time to give it.

When you give a speech to a crowd it is important that they can see your face. This will limit the amount of distractions that you have. It is important to pay attention to the audience if you expect their attention in return.

TIP! Always look at your audience when speaking. Don’t let yourself become distracted by other activity in the room.

If you want to impress your audience when giving a speech, you must practice and prepare beforehand. Have your facts and statements solidly in place. You should do some research so you can do a better job supporting your statements. Take notes of whatever you have to say. Try practicing this speech until you know it by heart. Sound preparation lets you feel comfortable when the time happens that you must speak.

Know the crowd makeup before you give the speech. If at all possible, find out who the people are in the crowd. If possible, greet a couple of them and find out what their names are. Having a feeling of familiarity with some audience members can make the whole presentation or speech feel more friendly.

TIP! Know the audience. Try to find out the names of individuals who will be listening.

It’s vital to know about everything that you will be talking about during a speech. Even when memorizing a speech, you should know the figures, facts, stories, and jokes that relate to your topic. Work them in on the fly depending on how you gauge your audience. These will help to give your speech more credibility with your audience.

Practice some deep breathing to help you through your speech. Before speaking, breathe in deeply and exhale fully several times to center and prepare yourself. Breathe through your nose and count to four, then exhale counting to five. Do this six times to calm yourself down.

TIP! Learning how to breathe properly can help you relax before speaking in public. First, take a deep breath and hold it for about three seconds.

Public speaking is something every one has to do. Both in school and at work, you have to speak to groups sometimes. Some recreational or social activities sometimes require you to speak in public. Since reading the article above, you are aware of what it takes to become a pro at speaking in public.

Practice is the only way to make sure that you are aware of what you want to convey. You can try recording the speech or practicing the speech in front of your mirror to spot any areas that need improvement. You can also include friends and family in the audience.

TIP! Practice makes perfect when it comes to public speaking. Do this near a mirror so you can see yourself.

Awesome Ideas To Help You Trim Some Fat

There are many ways to become fit. Creating an exercise routine and doing it does not need to be hard. Here is some fitness advice to help you reach your goals.

A lot of people like to go to the gym and lift weights to get fit. Realistically, the only exercises you really need to tone your muscles come down to six movements: push-ups, pull-ups, squats, leg raises, bridges and push-ups done in a hand-stand position.

TIP! A lot of people try to get fit by lifting weights. Basically you need on six easy exercises in order to stay fit, they are push ups, pull ups, bridges, leg raises, squats, and handstand push ups.

You can energize your confidence and re-focus on your fitness goals by purchasing an attractive piece of clothing to wear in your workouts. Even if you just buy something small, it will get you out of the house to show off your new clothing or accessory.

Don’t put all of your efforts into doing only crunches when working out abdominal muscles. A study at a prominent university revealed that even 250,000 crunches only burns enough calories to lose just one pound. If crunches are all you are doing, you aren’t working your abs as hard as you need to. Do a variety of abdominal exercises too.

TIP! Crunches alone won’t help you build abs. A major research university discovered that a quarter million crunches only burn a single pound of fat.

A person can maximize any benefits they get from exercise by varying their exercise activities. A person who usually uses a treadmill for exercise purposes can go for a run through the neighborhood. You will have more of a workout because you are not running on a flat surface. Variety helps your body use more muscles.

Wall sits are fast and simple ways on which you can build leg strength. Start by finding an empty wall that fits your body. Then face away from the wall about 18 inches away while standing up. Bend your knees, and lean back until your entire back is touching the wall. Lower yourself, bending your knees until you come to a sitting position with your thighs and calves at a 90 degree angle. Hold this position until you cannot stand it anymore.

TIP! If you are looking to strengthen your legs, try wall sits. Start by finding an empty wall that fits your body.

Lifting Weights

Always wear clothes you feel comfortable in when you work out. Resist any temptation to dress for looks. Wear loose, comfortable clothes that allow you to move around freely. Wearing comfortable clothes keeps your mind focused on fitness.

TIP! Always wear clothes you feel comfortable in when you work out. If you are heading out to the gym, you may feel pressure to dress a certain way, but you need to put comfort first.

You should plan on no more than an hour of lifting weights. That is not the only issue as muscle wasting begins at around the hour mark. Watch the time and stop lifting weights before you hit the 60 minute mark.

If your exercise routine requires you to keep count of your reps, try starting from the number you desire to hit and count backwards. This provides you a clearer picture on the number of repetitions that are remaining, which is much more motivating than simply counting the number of reps you have done.

TIP! If you perform repetitive movements, try counting backwards from your desired total. This provides you a clearer picture on the number of repetitions that are remaining, which is much more motivating than simply counting the number of reps you have done.

When you exercise, after weight repetitions, be sure to let out a huge exhale. This permits more efficient use of the body’s energy as well as a greater air intake after the exhalation. This provides you with additional energy.

Tennis players know how to get strong forearms; read on for one of their tips. Place a sheet of your local newspaper on a table. Take your dominant hand, and just crumple up the paper four about 30 seconds. Do the same thing with your other hand and repeat it with the dominant hand.

TIP! Build up the strength in your forearms by trying an exercise that racquetball and tennis players utilize. Start by placing a large sheet of newspaper on a table or some other flat surface.

When lifting weights, you will help muscle mass if you do a lot of reps with a light weight; that is in contrast to fewer reps with high weight. Many people think that big muscles come from lifting huge weights, but it actually from working the muscles for longer periods of time. Many people are known to use this method and it works.

People who are primarily interested in losing weight sometimes exercise far too hard because they’re hoping to burn the maximum possible number of calories. Not only do you risk joint and muscle damage, dehydration and heart problems, by pushing yourself too hard, you’ll also reach an anaerobic state, where fat is no longer being metabolized.

TIP! Some people do not like how fast they are losing weight, so they choose to exercise far too intensely in hopes of speeding up the process. The problem with this is that you can quickly push yourself to a dangerous level of exhaustion, which can lead to other health problems.

You don’t have to feel all that guilt about watching television if you exercise at the same time. By using the time during commercials to exercise, one can watch television all they want while still working on their personal fitness.

One great workout people don’t consider often is kickboxing. Nobody can go to try kickboxing and not come out of the work out covered in sweat and thinking, “man what a workout”. Kickboxing burns a ton of calories and can improve your strength tenfold.

TIP! A kickboxing class is a great way to get fit. It is one great way to work many muscles and work up a sweat.

Getting Fit

Don’t take weekends off when you’re working on a fitness plan. It is not true that you should forget about working out on the weekends. You should always think about staying fit and losing weight. Do not waste the weekend only to have to catch up later.

TIP! Do not take a break on weekends from your workouts. Although it is tempting to sit back and be lazy in the weekend, resist the temptation.

Use these ideas to put a new spark in your workout routine. A key part of getting fit is that you work out every day rather than once a week. Living a healthy lifestyle and getting fit will give you more energy, and make you more able to handle any problems that come your way.

A good rule of thumb is to avoid exercising if you feel poorly. If you are ill, the body dedicates its resources to self-preservation and healing. Your body won’t be able to endure and build muscle at this time. So you have to have a break from working out until you feel better. While you are waiting, get plenty of rest and eat well.

TIP! Don’t work out if you have a fever, chest congestion or are nauseous. When you are afflicted with illness, your body attempts to use all of its resources in order to heal itself.

Small Business – Doing Business with HUD

This Outreach session will provide guidance on how to do business with HUD, best ways for marketing your business to HUD, and the type of services and products HUD buys.

This post is part of a network of sites interested with the intersection of small business, the philanthropic sector and government in creating healthy and sustainable communities.

For more information on small business grant and home ownership programs visit TopGovernmentGrants.com.

Personal Development Tips That Are Important To Know

Do you want to improve your life? The following tips can help make transitioning to the new you a little easier.

One approach to personal development is to view yourself as one who has not yet learned all there is to know. When you realize your place in the universe, you realize that you have a lot to learn. You can then focus your attention on positive growth and development.

TIP! A critical step of personal development is the realization and acceptance of your insignificance. The more humble you are, realizing that there is room for growth, the more willing you are to gain knowledge.

In self improvement, when you avoid making a decision, you also avoid seizing an opportunity. You shouldn’t fear making a decision, even if you don’t have all the facts ahead of time. Your good instincts will develop through your successful decisions. Even if you make the wrong decision, you will still have a valuable learning experience. Making an incorrect decision will help increase the chances that you will choose correctly the next time you are faced with a similar choice.

Identify your personal values to help you determine your personal development plan. It is not smart to focus on things that do not line up with your values and morals. Focus on positive aspects to improve. These aspects should mesh with your values. This allows you to implement personal and professional changes that will last forever.

TIP! You must know your own values to come up with a personal development plan. It is not smart to focus on things that do not line up with your values and morals.

Leadership is the first step to personal development. Most people believe that leadership and influence are synonymous. Examine yourself as a leader. Are there any events that have had an impact in your life? What changes have occurred thanks to these events? What personal qualities do you have that make you a good team player? Ask yourself these questions in order to see how you will be as a member of a team.

Write a personalized affirmation. Take a small sheet of paper and write down every positive attribute you possess. Keep it with you at all times, and refer to it when necessary. An even more effective solution would be to read the list out and have it recorded on video; playing it back when you are feeling low. What’s the point?

TIP! Write up a motivational speech for yourself. Take some time to write down a few of the good things that you love about yourself and keep it on a exotic postcard.

Humility is a very important trait to have when working on your self improvement. When you realize your place in the universe, you realize that you have a lot to learn. Once you absorb this fact, you will have a desire for further knowledge and understanding.

You cannot take care of other people unless you take care of yourself. No matter where you are in life, allow yourself time to recover and rejuvenate yourself.

TIP! You cannot take care of other people unless you take care of yourself. Take time for rest and relaxation, whether your health is good or poor.

Personal Development

Therapy is a good way to work through serious issues. Though self-help books and online resources are great, they typically will not offer as much as a one-on-one therapy session can. There are many times when talking with another person about a stressful situation is the most effective route to relaxation. Books can’t interact with people the way a trained psychiatrist is able to.

TIP! People should not be afraid to investigate professional therapy to deal with serious problems. Though self-help books and online resources are great, they typically will not offer as much as a one-on-one therapy session can.

You have to be in good physical shape if you want your personal development efforts to be as effective as possible. Simple activities like getting enough sleep, regular exercise and a healthy diet help your energy level remain high, giving you a greater chance of success on your personal development quest. Even though it sounds simple enough to do, it could also be one of the toughest things to get into.

Make sure you treat all people with respect, no matter who they are, how powerful they are or what benefits you can obtain from them. The way you interact with people, and the respect you show, says a lot about you.

TIP! You should always treat everyone with respect, regardless of who they are or what they are able to do for you. The way you treat them says more about you than it does about them.

After reading this article, you have probably realized that enhancing your life in a positive manor is not as intimidating as it may seem. Focus on the many benefits of your plans, and visualize the happiness and satisfaction that will come from making significant life changes.

Do you abuse alcohol? Think about your other harmful habits, like smoking cigarettes. Your body should be treated with the utmost respect. Deleting harmful patterns and obsessions will undoubtedly lead to an improved standard of living. Assess your life and what habits you have, and see if there are any that you could work on omitting.

TIP! Take stock of your alcohol use to see if you are drinking too much. Are there other such vices harming your body such as smoking or recreational drug use? Your body should be treated with the respect it deserves.

Want To Get In Shape? Learn How With These Fitness Tips

The role of fitness is to help you feel and look better. Try learning from this article on what you can do to stay fit Keeping yourself healthy will allow you to look your best and not get hurt. Your body should not be neglected. Use the following fitness advice.

Weight training can help people achieve an ideal body weight. While lifting weights certainly help you to meet your fitness goals, it’s also possible to do simple exercises like push ups and pull ups to reach your goals.

TIP! To attain their fitness goals, many people turn to weight lifting at the gym. Realistically, the only exercises you really need to tone your muscles come down to six movements: push-ups, pull-ups, squats, leg raises, bridges and push-ups done in a hand-stand position.

Do you find it difficult to devote valuable time to exercise? Break your workout into two sessions. You don’t have to make the workout longer, just split it. For example, rather than jog for one continuous hour, try jogging half an hour early in the day, then jog for half an hour in the evening hours. Try doing one workout in the gym and one outside to mix it up.

When it comes to improving health and fitness, walking is definitely one of the best exercises. Walk with your heel coming down first, which can give you the best workout and increase your level of effort. Work out your arms by bending your elbows while swinging your arms every step.

TIP! Walking is great for getting fit. Walking heel to toe starts that involves pushing your heels first and toes last can boost your calves’ efforts.

Count calories. Counting your daily calorie intake is a key factor in weight loss because it determines how much you’ll gain or lose. Knowing your caloric intake on a daily basis will help you lose weight at a fast rate.

Grow your own garden. Many people do not realize the amount of exercise planting a garden involves. Gardening requires a lot of time and hard work that comes in the form of digging, hauling loads and squatting in the soil. It’s one of several hobbies you can do around that house that can actually help you get in shape.

TIP! Grow a garden. Starting a garden requires a lot of hard physical work.

Face the exercises that you don’t like by including them in your routine and doing them on a regular basis. Commit to doing exercises you normally avoid since you probably avoid them only because they are the exercises that you are the weakest at. Conquer your weak exercises by incorporating it into your daily exercise routine and keep working on in.

Work out on lifting weights for no more than an hour. Furthermore, your muscle mass begins to degrade if you work them for longer than an hour at a time. Therefore, you need to limit your weightlifting sessions to an hour or less.

TIP! Don’t lift weights for more than an hour at a time. Also, after an hour of weight lifting, muscle wasting can occur.

Ensure that you wear appropriate shoes during exercise sessions. You stand a much higher likelihood of injuring yourself at the feet or ankles if you aren’t wearing specific shoes for the activities of your routine. Also, your feet may be sore or cramped after exercising, which can lead to discouragement from continuing your workouts.

One simple way to increase your muscle mass is to lift lots of weight just a few times. Start off by choosing a muscle group like the chest. Do a warm-up set by lifting weights that are easy to lift. Your warm-up weight should be light enough that you can lift it 15 to 20 times. Regarding your second set, you should select a heavier weight where you do about 6 to 8 reps. Add on another five pounds, then complete a third repetition.

TIP! Basic bodybuilding workout: To build muscle mass, lift more weight for fewer reps. You can get started by concentrating on a single muscle group like the chest, abdominals or gluteals.

Fitness is not something that should discourage you. These tips were found and adapted for easy maneuvering into anyone’s busy lifestyle. Put the effort into staying fit–it’s worth it in terms of how much more healthy and attractive you’ll be. Do not hesitate to revisit this article whenever you are in need of fitness inspiration.

If you find yourself exercising infrequently, or making excuses to avoid exercise, make a schedule. Set a number of days during the week that you will work out, and stick to that number. If something does keep you from exercising, make sure to make up for it later.

TIP! If you find yourself exercising infrequently, or making excuses to avoid exercise, make a schedule. CHoose a few days each week to exercise, then follow through with your plans.