My AmericaMy America

The New American Plague

obam — Wed, 05 Dec 2012 00:17:24 +0000

Every year the average American worker sits for 2000 hours! What this does is tighten your hip flexors and cause a whole host of other problems. This post will address information that you NEED to know.

When you get a hip flexor injury you must heal it properly otherwise it will just keep coming back, especially if you are sitting a lot.

One of the most important parts of healing a hip flexor injury is to have an effective strengthening program after the injury is healed. To have an effective program we need to have a solid core of strengthening exercises to perform; at the base of your strengthening program should be leg raises.

Hip Flexor Injury Rehab Exercise: Leg Raises

Leg raises are phenomenal exercises because they work just about every hip flexor muscle that you have. They do require a substantial effort, so it is best initially to focus on doing just a few controlled repetitions rather than trying to do a high amount of sloppy repetitions.

To perform leg raises lie flat on the ground with your hands at your sides
Lift your legs in a slow, controlled motion as high as you can
Lower your legs slowly, again in a movement that is as controlled as possible

If you base your Hip Flexor injury recovery program off of leg raises, you will see significant improvements in strength.

Growth In America!

obam — Fri, 16 Nov 2012 16:39:31 +0000

I’m kind of tired of people thinking America is on the downhill and that we don’t take care of each other. I can prove that they are wrong at the same time, by looking at the trend of the average massage therapist salary. The massage therapy field helps elderly citizens (caring) and is exploding in jobs and salary.

Being a Massage Therapist in the Future

I know that one thing you’re probably concerned about is the future of the field and how bright the career looks down the road. There are two things that are considered most important: massage therapy salary and job availability.

Job Availability

This is the most important aspect of any field when looking into the future and making predictions. The demand for massage therapy is expected to grow substantially over the next 10 years. From 2010 to 2012 the demand is expected to increase 20%! The average growth for all jobs is only 14%, and while 6% seems like a small difference, think of how many people there are in North America and you’ll quickly see why the field of massage therapy is considered so hot right now.

Massage Therapy Jobs Available:

2008

52,000

2009

55,920

2011

63,810

We can break down the reason for this predicted increase and it makes perfect sense. First of all, the population is aging rapidly as the ‘baby boomers’ begin to reach old age. Massage therapy is a great service to these people, which can help them with the increased body troubles that people face in old age. If you are interested in this you might even be able to secure a position at a large retirement home, which would cut out any marketing you would have to do.

Secondly, the practice is becoming more regulated as more states adopt licensing rules. What this does is add to the legitimacy of the profession and more people will realize that it is a very beneficial practice and can help them.

The third factor relates in part to the second, which is that massage therapy is becoming more popular, which means people are investing effort and money into making it more accessible to the general public. Through spas and massage clinics, there are more outlets than ever that are being put into place which will make it easier for people to get treatment.

Massage Therapist Salary in the Future

If you have ever studied or heard about economics you have probably heard about supply and demand. The principle is simple: when the demand increase outpaces supply increase, prices will rise. This is the situation that is happening right now because of that enormous growth noted above. Looking at the average salary of a massage therapist’s graph, you can see that there is an upward trend, which is expected to continue for the foreseeable future.

Keep in mind that this still includes massage therapists working part time! Not only are the massage therapist salaries here are only just below the average American salary (41,673.83 in 2010), but if we converted to hourly rates a massage therapist salary would make far more in comparison to most professions. So in response to how much do massage therapists make it will vary depending on the hours worked, and if you work a lot you will make much more than the average salary.

Some info for you

obam — Wed, 07 Nov 2012 01:41:15 +0000

I wanted everyone to be aware of the new 401k limits for next year, so here is a post that explains everything. Read the whole thing about 401k limits at savingsvillage.com

401k limits 2013

The 2013 401k limits have now been released by the IRS, and there are some very positive changes. Continuing with the limit categorization method for this post so far I will go through the changes.

For the 2013 tax year you will be able to contribute $17,500 as your basic limit, which is up another $500 from 2012 (see above section). Just a reminder, this limit applies for everyone.

The catch-up limit for anyone over 50 is still the same at $5,500, which gives a personal 401k contribution limit for anyone over 50 as $23,000 in 2013.

Last but not least, the total limit (between you and your employer), is $51,000. Compared to 2012 this has gone up another $1,000, which is always nice.

Just a reminder that this page will always reflect changes as soon as possible (for the 2013 401k limits or any future year), so feel free to bookmark it and check back in whenever you are interested in the 401k Contribution Limits.

Some Information Related to Roth IRA Accounts

obam — Fri, 28 Sep 2012 15:31:28 +0000

Recently you probably have seen the new Roth IRA Rules, if you have not visit this post prior to continuing to read the information below: http://roth-ira-contribution-limits.com/. Have you ever wondered if you should make a contribution to your Roth IRA instead of your own Conventional IRA account? Although an exact solution is very difficult to explain, there are a few easy points you should be able to observe that can help provide you with a less fuzzy outline of the scenario at hand to help you decide on a great monetary selection.

Look at your tax bracket before anything else. If you’re making a lot this tax year you will end up in a highest tax bracket, and with Roth IRA deposit you’ll have to pay a great deal in taxes. Conversely, with the Conventional IRA you’ll not need to pay taxes before you are a lot older and then you would probably fall into a lesser earnings bracket
Second, if you contribute to your Roth IRA you have to spend state taxes at the same time if your state demands this. If you stopped working somewhere that doesn’t have state taxes you’ll benefit a lot more through having more within your Traditional account.

Figuring out Your Roth IRA Contribution Limit

It is extremely simple to end up being overwhelmed by the Roth IRA Contribution Restrictions in the year 2012, particularly when you may very well not have a Roth IRA to begin with. Not having an account, it is usually quite challenging to comprehend each of the conditions as well as the principles that are regularly found in the principles. Thankfully, it is less difficult than ever to start out a Roth IRA account today. To create an IRA you’ve a couple of choices, you can do it directly in an investment financial company or even get it done on the net. If you opt to get it done online it will be much simpler and more hassle-free later on to take care of your own savings account. When making an ira just head over to any important broker similar to Scottrade or Zecco and sign up for a savings account. It will have step-by-step guides about setting up a Roth IRA especially. Just be sure you have a look at various broker agents so that you will have the cheapest service fees every year, if you devote a small amount of effort in advance you can help save hundreds of dollars in the foreseeable future.

We are AMERICAN!!!

obam — Tue, 18 Sep 2012 21:16:50 +0000

What do Obama and Roskam both have in common? They are AMERICAN. They represent the pillars of our great nation and our ideals. This site is dedicated to promoting American ideals that make our country the greatest country on the planet.
One of the most American things there is is financial freedom. We have been given all the tools by our government to retire in great comfort if we use them properly. One of the best tools you should be using is a Roth IRA. In the rest of this post I will introduce you to one of the most confusing things about Roth IRAs to get you on your way, the Roth IRA Contribution Limits.

The trouble that most people have when determining how much they can contribute to their Roth IRA is determining their income limits.

Roth IRA Income Limits

Your income limits are based on the taxable income that you received in the fiscal year. The key word here is taxable. Do not make the mistake of using your gross income to determine which income bracket you fall into or you may end up thinking you are not able to contribute to your Roth IRA when in actuality you can.

In order to determine your Roth IRA income limits be sure to take tax form 1040 or 1040a and fill it out in its’ entirety. Once you have filled out the appropriate form, look at the bottom line to find your adjusted gross income, sometimes referred to as your AGI. Use this number to determine your Roth IRA income limits for 2012.