Pier 3 Syndication

Day: October 1, 2022

  • Intermittent Fasting Plan for Women

    Intermittent Fasting Plan for Women

    Women’s Intermittent Fasting Plan

    There’s no denying that intermittent fasting is popular these days. However, many individuals are unaware that there are some substantial variations in how intermittent fasting affects men and women. What makes intermittent fasting unique for women? It’s partly due to their distinct biology. Women often have a larger amount of fat on their bodies than males (1). This implies that they store more energy as fat. This increased energy reserve might be useful during fasting times. However, women have a slower metabolic rate than males, making it more difficult to lose fat (2).

    Another issue is that female bodies are more sensitive to the hormone leptin, which aids in appetite regulation (3). This implies that women may find it more difficult to adhere to a fasting program and are more prone to experience hunger sensations during a fast. This is not to say that people should not attempt intermittent fasting. It simply implies that the protocol should be tailored to the lady, and she should pay attention to her body’s hunger signals during fasting.

    Women’s intermittent fasting outcomes may differ from month to month due to hormonal variations. Because of these reasons, women must approach intermittent fasting differently than males. When done properly, however, intermittent fasting may be a potent tool for increasing weight reduction, enhancing energy levels, and mood stabilization.

    Women must be cautious not to overdo it with fasting; doing so might result in hormonal abnormalities. Fasting may, however, assist with certain health conditions caused by hormonal imbalances. In the case of polycystic ovary syndrome, for example (PCOS). PCOS is a syndrome in which the ovaries create an abnormally large quantity of male sex hormones. To cut a long story short, this may lead to infertility, and since many women with PCOS are insulin resistant, they may gain weight (4). Fasting may be quite effective in reducing insulin resistance in women. This has the unintended consequence of assisting them in losing weight. Even better, it may increase a woman’s chances of becoming pregnant (5).

    healthy food

    Menopause is a hormonal alteration that occurs in women beyond the age of fifty. During this point in their life, many women accumulate weight (6). This is a time when ladies may benefit from intermittent fasting to reduce weight.

    Fasting, on the other hand, might have a detrimental impact on blood sugar regulation (7). It may also have an impact on reproduction (8) since it might decrease or halt menstruation (9). However, this is frequently when women go too far and fast for an extended period of time while also drastically reducing the number of calories they consume.

    Take things slowly.

    If you are a woman, the ideal method for intermittent fasting is to start gently. Pay attention to how your body reacts and adapt your fasting strategy accordingly. Baby stages are the greatest way to ease into an intermittent fasting routine. Begin with one day every week to begin.

    Start with a short fast and build up.

    Fasting for twelve hours and eating for the remaining twelve hours is an excellent place to start. You may then go fasting on alternate days the following week. Increase the days of fasting until you are conducting a twelve-hour fast every day. As long as you haven’t experienced any negative side effects, gradually increase your fasting period while decreasing your eating time by one hour at a time. An optimum fasting period is sixteen hours, with the remaining eight hours spent eating.

    Do not fast for longer than twenty-four hours.

    Women may fast for up to twenty-four hours but should avoid fasting for longer than that. This is because it might disrupt the delicate hormonal balance. Cortisol levels rise, causing melatonin to be produced sooner than normal (10). This alteration in melatonin secretion has the potential to disturb the sleep-wake cycle. Chronically elevated levels of cortisol, the stress hormone, may lead to increased appetite and cravings. This might result in weight gain or delayed weight decrease (11). This is clearly not ideal for a lady who is trying to reduce weight via intermittent fasting.

    Do not exercise excessively on fasting days.

    Women should avoid or limit their physical activity on days when they are fasting for any length of time. The high-intensity activity requires nourishment; thus exercising on an empty stomach is not recommended. The only exception is to exercise at the conclusion of the fasting period and immediately eat to replenish the energy stored in your muscles (12). Yoga, Pilates, or a stroll are excellent methods to exercise while fasting and are beneficial to both your general health and fitness.

    What to eat and drink

    Women, like anybody else who follows an intermittent fasting strategy, should drink lots of water to stay hydrated and avoid hunger sensations. They’re probably doing it for health reasons or to reduce weight. So following a healthy diet makes sense. Women should eat as little processed meals, sugary snacks, and desserts as possible. The morning should not consist of packaged breakfast cereals. Porridge, overnight oats, or Greek yoghurt and berries are excellent options for staving off hunger.

    Check out our other post for suggestions on what to eat in the middle of the day for lunch. Despite the fact that they are referred to as lunch alternatives, they may be utilized to break your fast if you neglect your typical early morning meal. Evening meals should consist of lean meat or fish, as well as lots of veggies and nutritious grains. Instead of sweet, stodgy puddings, fruit is a great way to conclude the dinner. Women should keep their nighttime meals light and healthy. Furthermore, the final meal of the day should not be had within two hours of going to bed.

    When women should not fast

    Women who are pregnant, attempting to become pregnant, or nursing should avoid intermittent fasting. Women who have previously struggled with an eating issue should also avoid fasting.

    Listen to your body

    Finally, if women realize that intermittent fasting is interfering with their sleep, making them worried or agitated, or producing other negative side effects, they should cease and consult with a doctor or dietitian.

    References

    1. Gender differences in fat metabolism https://pubmed.ncbi.nlm.nih.gov/11706283/
    2. 4 Factors That Make It More Difficult for Women to Lose Weight https://share.upmc.com/2018/07/harder-for-women-to-lose-weight/
    3. Differential physiological responses to central leptin overexpression in male and female rats https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5739960/
    4. Polycystic Ovary Syndrome (PCOS) https://www.hopkinsmedicine.org/health/conditions-and-diseases/polycystic-ovary-syndrome-pcos
    5. Fasting as a possible complementary approach for polycystic ovary syndrome: Hope or hype? https://xeniamed.it/wp-content/uploads/2022/04/22.-Fasting-PCOS.pdf
    6. Obesity in menopause – our negligence or an unfortunate inevitability? https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5509974/#!po=13.6364
    7. Glucose tolerance and skeletal muscle gene expression in response to alternate day fasting https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.61
    8. Gonadal Transcriptome Alterations in Response to Dietary Energy Intake: Sensing the Reproductive Environment https://www.ncbi.nlm.nih.gov/pmc/articles/PMC2607546/#!po=22.7273
    9. Intermittent Fasting For Women: A Beginner’s Guide https://www.healthline.com/nutrition/intermittent-fasting-for-women

     

    The post Intermittent Fasting Plan for Women appeared first on https://gqcentral.co.uk

  • Student Loan Forgiveness Programs

    Student Loan Forgiveness Programs

    Student Loan Forgiveness Programs

    Depending on your circumstances, you can select from a variety of Student Loan Forgiveness Programs. These include loan forgiveness for public employees, income-driven repayment arrangements, and loan forgiveness for teachers. However, you may be required to demonstrate misbehaviour by the school you attended. Fortunately, the Department of Education has been making headway in reducing the backlog.

    online loans

    Public Service Loan Forgiveness

    The Public Service Loan Forgiveness (PSLF) programme is a federally insured loan forgiveness programme for certain types of federal student loans. However, several obstacles must be surmounted before borrowers may make use of the scheme. The programme includes tight criteria that are difficult to grasp, and borrowers who fail to meet them may be denied forgiveness.

    You must have worked for a qualifying organisation for at least 10 years to be eligible for Public Service Loan Forgiveness. The position must be in a field that emphasises public service. You must also have at least ten years of experience working for a nonprofit organisation. You must also have worked full-time in your present position during the time period in which you are eligible for loan forgiveness.

    Since 2007, the Public Service Loan Forgiveness programme has been helping people pay off their school loans faster. PSLF has a qualifying period of 10 years or 120 payments. Employees of federal, state, and municipal governments, as well as certain nonprofit organisations, are eligible for the programme. To apply, utilise the PSLF eligibility tool to determine whether you fulfil the requirements. However, the COVID virus has caused certain temporary alterations in the PSLF programme.

    You must work for a public entity that delivers a qualifying public service to be eligible for loan forgiveness. Emergency management, legal aid, early childhood education, public health care providers, libraries, and crime prevention and law enforcement are just a few of the services available. You must fill out an application form certifying your employment and the number of qualifying monthly payments.

    PSLF programmes are managed by the US Department of Education and are intended to reward those who volunteer in the community with debt forgiveness. You must work full-time for a qualified employer and make at least 120 qualifying monthly payments to qualify. If you match the criteria, your loan debt will be forgiven, and you will no longer be required to repay it.

    Consider attending a PSLF webinar hosted by AccessLex Institute for more information on PSLF programmes. These 30-minute webinars will lead you through the process and answer any questions you may have. PSLF webinars are also available on the National Education Association’s YouTube channel.

    Repayment arrangements based on income

    By providing income-driven repayment schedules, student loan forgiveness programmes can assist borrowers in staying out of default. Borrowers might prolong their payback time from ten to twenty or even twenty-five years under these arrangements. Because the government subsidises interest payments, these plans also minimise the amount of interest that borrowers pay. Borrowers who choose income-driven repayment plans can pay off their loans faster than those who use the conventional plan, which normally takes 120 months to repay.

    An income-driven repayment plan decreases a borrower’s monthly payments by capping the amount a borrower pays monthly based on their discretionary income. The majority of these plans pay off the outstanding debt after 20 years of payments. These plans are far superior to forbearance in that they keep borrowers on track toward repayment. However, they do not ensure forgiveness. Before deciding on an income-driven repayment plan, borrowers should enter their loan information into the Federal Student Aid Loan Simulator to see what their monthly payments would look like. This will assist them in comprehending the total cost of the plan as well as the amount of forgiveness that is available.

    Student Loan Forgiveness Programs

    Income-driven repayment programmes (IDR) enable low-income borrowers to repay their student loans at a low-interest rate. For example, if a borrower’s income is less than 150% of the poverty level, their monthly payment will be 0 for the first three years. The IDR will allow a borrower to get forbearance payments for the rest of the period. This payment plan may appear to be impossible to achieve, yet it will most likely be the lowest payment for borrowers with limited income.

    The disadvantage of income-driven repayment arrangements is that they can result in negative amortisation. When loans are not returned, their debt grows, which can be stressful for borrowers. Under present law, income-driven repayment arrangements may potentially be taxable. This is not an issue for debtors who are eligible for Public Service Loan Forgiveness. If a borrower is able to make his or her monthly payment, credit bureaus will report him or her as current on all debts.

    There are several income-driven repayment schemes for student loans available. The eligibility conditions for these plans vary depending on the type of loan and the size of the household. A borrower’s salary and family size affect the monthly payment. Repayment plans often need income verification and may necessitate a yearly reapplication. Depending on the terms and circumstances of the plan, eligible payments may even be forgiven in some cases.

    Loan Forgiveness for Teachers

    If you are a teacher trying to pay off your student loans, you should apply for one of the teacher loan forgiveness programmes. These programmes allow you to get your student loans forgiven after five years of qualifying work at a qualifying school. You must have taught for at least half of the five-year term or fulfilled contractual responsibilities to be eligible. Those who are unable to teach the entire school year or who have left the profession to attend college may still apply if they teach at a low-income or high-need school.

    You can apply for two programmes: the Teacher Loan Forgiveness Program and the Public Service Loan Forgiveness Program. The first requires five years of full-time teaching service at an eligible low-income school, while the second requires 120 qualifying on-time payments. You must also have a bachelor’s degree and full state certification.

    You may also apply if you are a teacher in a Bureau of Indian Education (BIE) school. However, you must adhere to a tight payback schedule and remain in the teaching profession. Most of the time, this means you’re eligible for a teacher loan forgiveness programme.

    Leading 10 Student Loan Forgiveness Programs

    If you work in a private or nonprofit public school, you may be eligible for the Public Service Loan Forgiveness Program. If you meet the requirements, you may be able to have your loan forgiven after making 120 eligible payments. This scheme typically works well with income-driven repayment, which necessitates small monthly instalments. After ten years, the remaining balance is totally forgiven, and the forgiven sum is not taxed.

    The US Department of Education oversees the Teacher Loan Forgiveness Program. It provides teachers with a one-of-a-kind opportunity to have up to $17,500 of their student loan debt cancelled. Qualifying might be difficult, and some teachers are not eligible for the entire benefit. However, it is a wonderful programme that benefits instructors greatly.

    Forgiveness of Nursing Loans

    Consider applying for one of the various loan forgiveness programmes available if you plan to pursue a nursing degree. Some of these programmes require you to work in a health care facility in an area where nursing professionals are in short supply. Others demand that you serve in the military. Depending on the programme, you may be able to receive up to 85% of your debts.

    You must research each programme and the requirements that they require in order to discover the best loan forgiveness programme. While the majority of them forgive some or all of your nursing debt, some may need a specific institution or area, or a set period of time of employment. Furthermore, some nursing loan forgiveness programmes are quite precise about where you’ll be working and what professional route you want to take.

    It’s critical to keep track of your financial documents and loan information if you’ve decided to apply for a nursing loan forgiveness programme. Check the eligibility requirements and whether you have the necessary papers for the programme. You should also maintain all of your papers in one place. By doing so, you may ensure that you will receive your loan in full and avoid paying excessive interest.

    In addition to federal loan forgiveness programmes, many states have their own programmes to assist nurses with loan repayment. For example, in New Jersey, you can apply for forgiveness after completing ten years of service. This is one of the more lucrative state-based loan forgiveness programmes, and you may qualify for up to $120,000 in free money if you’re a licenced nurse with teaching experience.

    Nursing is a rewarding job, but it is also one of the most expensive. Due to escalating tuition costs, many nurses are turning to student loans to fund their studies. You can apply for a nursing loan forgiveness programme to help you make ends meet. There are numerous programmes to consider, but you should look for ones that meet your specific requirements.

    The Perkins Loan programme is another possibility for loan forgiveness. This programme will cover both the principal and interest on your nursing loans. You may be eligible for a 100% forgiveness if you work in an underprivileged area for at least five years.

    If you want to learn more about student loans, please visit our website at https://oxfordwisefinance.com/blog/top-10-trainee-loan-forgiveness-programs/.

    The Article Student Loan Forgiveness Programs First Appeared ON
    : https://snopug.org

    The post Student Loan Forgiveness Programs appeared first on https://gqcentral.co.uk