Compound Exercises

Don’t have much time to workout? Want the top muscle builders? Want to develop real strength? If so compound exercises should be the core of your strength routine!

Compound exercises are simply exercises that target more than one muscle group. For clarity, exercises that target a single muscle group are called isolation exercises.

Anyway on to the Herculean strength builders!!


The good old traditional squat should be a part of any strength workout.

Clean and Press

This exercise will work the muscles AND the heart and lungs, it’s like a workout on its own!!


You can move some big weights eventually with this strength builder.

Chin Ups

Tough to do at the start but worth persevering with as they will give you a fantastic physique.

Bent Over Row

Really works the back, but make sure of your form when performing this exercise.

Press Ups

The good old fashioned press up has the test of time for a reason!


Another time tested exercise.

Bench Press

The way to work out those pecs.


A great leg builder that will also build explosive strength and the heart and lungs.


Not strictly a compound exercise but simply the best way to work those abs!

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Get a cheap rate and invest the difference

When interest rates are low, link now, it is usually safe to say that inflation is also low. Thus, bricks and mortar may not be the best place to invest. Try getting the cheapest home loan you can find and make the minimum repayment. This allows you to use the extra cash to invest in other, more profitable areas.

You may find that the return you get on shares or some type of investment means that you have creates a nice little nest egg which you can use to pay off a bigger chunk of your home loan than you might otherwise have been able to do.

But beware-high returns often mean high risks. Before undertaking any investment, invest in a consultation with a qualified financial adviser.

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Apply to Google AdSense

Joining the google adsense program is quite easy. You simply apply for an account and then google will take a look at your site and decide if they want to allow you to display their ads on your site. If you do not currently have a website or you do not believe your website is up to google’s standards, you can hold off on applying for now and apply once you have set up a site by following the guidelines that will be explained later in this book.

In order to increase your odds of bring accepted into the AdSense program you should have no problem being approved for the Google Adsense program.

Apply for a Google Adsense Account:

We will dive into getting Adsense ads on your site a little later on once we have our website set up.

Now that you have your Adsense account set up you are probably ready to jump into building your site. However, before we just start blindly building sites we need to find a niche to attack. Discovering an under developed and profitable niche is the key to Adsense successes.

Please fell free mail me if you want to know more about google adsense. Email:

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Stay informed- don’t forget about your mortgage

With any long-term commitment, there is always the temptation to let your mortgage roll along, make your repayments as they fall due and think as little about it as possible. As long as you keep up the repayments, there’s not much else you need to do, right?

This attitude can be a mistake. Keep yourself up to date with what’s happening in the marketplace. You might find that there’s an opportunity to put yourself well ahead of the game. Rates change, new products and changes in the market itself may allow you to seize an opportunity or negotiate a better deal.

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Forgo those minor luxuries

This is the bit you don’t want to read. Once you have a mortgage, your life is likely to be luxury-free (or at least pretty close it ). Think of all the weight you will lose by giving up your favorite indulgent snack. For the sake of your health you should quit smoking and drink less anyway. Take your lunch from home and save on bad fast food. Trust me, your body will thank you for it.

If you’re still not convinced consider the following example. A typical day ay include a pack of smokes ($10), a coffee and donut ($5), lunch ($12) a couple of beers after work ($8). That’s $35 a day or $175 a week or $750 a month or $9,100 a year.

Assuming a mortgage of $300,000 at 7.07 percent over 25 years, by making $750.00 in extra repayments each month, you’d save more than $175,000 in interest and be mortgage free 11 and a half years sooner.

No one is saying you should live a convict but just cutting down a little on your expenses will see you reap future financial benefits.

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Switch to a lender with a lower rate

It may sound like a simple idea but switching out of your current loan and taking out a loan at a lower rate can mean the difference of years and thousands of dollars. If you have  a loan that is tricked up with all the features, or even if you have a standard variable loan, you might find that you could get a no frills rate that is as much as a percentage point cheaper than your current loan.

However, before you jump the gun, check out what it will cost you to switch loans. For example, there may be exit fees payable on your old loan and establishment fees and stamp duty on your new loan. Work it all out and if it makes sense, go for it.

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Use your equity

If you have already paid off some of your home, you are said to have equity. Equity is the difference between the current value of your property and the amount you owe the lender.

Foe example, if you have a property worth $500,000 on which you owe $ 150,000, you are said to have home equity of $350,000, which you can re-borrow without having to go through the approval process by accessing it through your existing loan.

Many lenders will allow you to borrow using your equity as collateral. Most lenders will allow you to borrow up to about 80 percent of the loan-to-value ratio (LVR) of your available equity. If you are careful, you can use this equity to your advantage and help to pay off your home loan sooner.

Using an equity loan to improve your property could be a good way to ensure that your home increases in value over time. But larger expenses such as cars and holidays that would have been paid by credit card arte more affordable on the lower rate of your home loan.

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Make your mortgage your key to financial product

Mortgage products known as all-in-one loans or 100 percent offset loans allow you to use your mortgage as your key financial product. This means you have one account into which you can pay all of your income and draw from your living expenses by using a credit card, EFTPOS or a cheque book, as well as making your mortgage repayments.


These types of accounts can make a huge difference to the speed at which you pay off your loan. Because your whole pay goes into your mortgage account you are reducing the principal on which interest is charged. Sure, you might take a couple of steps back as you withdraw living expenses but careful use of this sort of product can get you thousands of dollars ahead of where you’d be with a “plain vanilla, pay once a month” home loan.

These loans work well when you are able to make additional payments towards the loan. If you are only able to make the equivalent of the minimum repayment on your loan (and not put in any extra) you may be better off with a cheaper standard variable or basic variable loan. However, it’s not unusual for dedicated borrowers using these types of loans to cut the term of a 25 year-old loan to less than ten.

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Split your loan

Many borrowers worry about interest rate and whether they will go up but don’t want to be tied down by a fixed loan. A good compromise is a split loan, or combination loan as they are often known, which allows you to take part of your loan as fixed and part as variable. Essentially this allows you to hedge your best as to whether interest rates are going to rise and by how much.

If interest rates rise you will have the security of knowing part of your loan is safely fixed and won’t move. However, if interest rates don’t go up (or if they rise only slightly or slowly) then you can use the flexibility of the variable portion of your loan and pay that part off more quickly.

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