Cheap Holiday Deals to Stalis Provide Perfect Holidays For All

Family holidays to Stalis are about as popular as couples holidays, beach holidays, 18 – 30′s holidays, and mature holidays to Stalis. In fact, it is difficult to find a group that can’t appreciate holidays spent in Stalis. Greek island holidays seldom have as much to offer visitors as you will find in the resort of Stalis-a resort that offers a little bit of everything you could possibly want from a beach holiday and a little bit more.

First of all, you should check out various package holidays to Stalis. You might be able to learn a little more about the possibilities that holidays to Stalis present for the entire family simply by taking in the long list of package options that are available to you. More importantly, in these economic times, packages are a great way to make cheap holiday deals to Stalis and other locations on Crete.

The nightlife in Stalis is rather lively though not nearly as dominating as the nightlife and club activities are in Malia. Stalis is a more well-rounded option for holiday fun than those resorts that are designed to appeal to party crowds or even those that attract more mature holiday crowds. What you have in Stalis is a healthy mix that makes it a worthy choice for family holidays.

The beaches of Stalis provide excellent opportunities for families that enjoy beach holidays and are content to spend the entire time on the beach. There is much more to this charming resort than a few beaches though so you don’t risk running out of things to do. Popular excursions to enjoy from Stalis include mini trains to Malia, boat trips to Santorini, and the traditional villages that can be found further inland. Greek island holidays are about experiencing the best Greece has to offer. Don’t miss out on the cultural treasure chest waiting for you away from the primary resorts.

Cheap holiday deals to Stalis are a great way to enjoy the very best of Crete. Don’t miss out on package holidays and prices that are lower in price now than they have been in years. Family holidays to Stalis may be the perfect way for you and your family to enjoy Greek island holidays. Make your plans today and you could be enjoying the beautiful views and gorgeous waters of Crete before you know it.

Top 50 Christmas Quotations

  1. "Let us remember that the Christmas heart is a giving heart, a wide open heart that thinks of others first. the healing medicine of love which has transformed all manner of hearts for almost two thousand years … Underneath all the bulging bundles is this beating Christmas heart. " - George Matthew Adams
  2. "The rooms were very still while the pages were softly turned and the winter sunshine crept in to touch the bright heads and serious faces with a Christmas greeting." - Louisa May Alcott
  3. "Christmas Eve was a night of song that wrapped itself about you like a shawl. But it warmed more than your body. - Bess Streeter Aldrich
  4. "The perfect Christmas tree? All Christmas trees are perfect!" - Charles N. Barnard
  5. "Gifts of time and love are certainly the basic ingredients of a truly merry Christmas." - Peg Bracken
  6. "The earth has grown old with its burden of care But at Christmas it always is young, The heart of the jewel burns lustrous and fair And its soul full of music breaks the air, When the song of angels is sung." - Phillips Brooks
  7. "I am not alone at all, I thought. I was never alone at all. And that, of course, is the message of Christmas. indifferent. For this is still the time God chooses. " - Taylor Caldwell
  8. "Remember, if Christmas is not found in your heart, you will not find it under a tree." - Charlotte Carpenter
  9. "Christmas is not a time nor a season, but a state of mind. To cherish peace and goodwill, to be plenteous in mercy, is to have the real spirit of Christmas." - Calvin Coolidge
  10. "Christmas, in its final essence, is for grown people who have forgotten what children know." Christmas is for whoever is old enough to have denied the unquenchable spirit of man. " - Margaret Cousins
  11. "Without we make Christmas an occasion to share our blessings, all the snow in Alaska will not make it 'white'." - Bing Crosby
  12. "Whatever else be lost among the years, Let us keep Christmas still a shining thing: Whatever doubts assail us, or what what fears, Let us hold close one day, remembering its poignant meaning for the hearts of men. faith again. " - Grace Noll Crowell
  13. "It is the personal thoughtfulness, the warm human awareness, the reaching out of the self to one's fellow man that makes giving worthy of the Christmas spirit." - Isabel Currier
  14. "Something about an old-fashioned Christmas is hard to forget." - Hugh Downs
  15. "They err who thinks Santa Claus comes down through the chimney; he really enters through the heart." - Mrs. Paul M. Ell
  16. "Christmas, my child, is love in action." - Dale Evans
  17. "Do give books – religious or otherwise – for Christmas. They're never fattening, seldom sinful, and permanently personal." - Lenore Hershey
  18. "My first copies of Treasure Island and Huckleberry Finn still have some blue-spruce needles scattered in the pages. They smell of Christmas still." - Charlton Heston
  19. "At Christmas, all roads lead home." - Marjorie Holmes
  20. "My idea of ​​Christmas, whether old-fashioned or modern, is very simple: loving others. - Bob Hope
  21. "The joy of brightening other lives, bearing each others' burdens, easing other's loads and supplanting empty hearts and lives with generous gifts becomes for us the magic of Christmas." - WC Jones
  22. "A Christmas candle is a lovely thing; It makes no noise at all, but softly gives itself away; While quite lonely, it grows small." - Eva K. Logue
  23. "Were I a philosopher, I should write a philosophy of toys, showing that nothing else in life need to be taken seriously, and that Christmas Day in the company of children is one of the few occasions on which men become absolutely alive." - Robert Lynd
  24. "Blessed is the season which engages the whole world in a conspiracy of love." - Hamilton Wright Mabi
  25. "The merry family gatherings – The old, the very young; The strangely lovely way they harmonize in carols sung. For Christmas is tradition time – Traditions that recall the precious memories down the years, The sameness of them all." - Helen Lowrie Marshall
  26. "There is no ideal Christmas; only the one Christmas you decide to make as a reflection of your values, desires, affections, traditions." - Bill McKibben
  27. "I wish we could put up some of the Christmas spirit in jars and open a jar of it every month." - Harlan Miller
  28. "Christmas is the keeping-place for memories of our innocence." - Joan Mills
  29. "Christmas is, of course, the time to be home – in heart as well as body." - Garry Moore
  30. "What is Christmas? It is tenderness for the past, courage for the present, hope for the future. - Agnes M. Pharo
  31. "Mankind is a great, an immense family … This is proved by what we feel in our hearts at Christmas." - Pope John XXIII
  32. "One of the most glorious messes in the world is the mess created in the living room on Christmas day. Do not clean it up too quickly." - Andy Rooney
  33. "Christmas – that magic blanket that wraps itself about us, that something so intimate that it is like a fragrance. day of remembrance – a day in which we think of everything we have ever loved. " - Augusta E. Rundel
  34. "Christmas is doing a little something extra for someone." - Charles Schulz
  35. "As long as we know in our hearts what Christmas bought to be, Christmas is." - Eric Sevareid
  36. "Christmas is the day that holds time together." - Alexander Smith
  37. "Christmas renews our youth by stirring our wonder. The capacity for wonder has been called our most pregnant human faculty, for in it are born our art, our science, our religion." - Ralph Sockman
  38. "Christmas … is not an eternal event at all, but a piece of one's home that one carries in one's heart." - Freya Stark
  39. "Christmas is a day of meaning and traditions, a special day spent in the warm circle of family and friends." - Margaret Thatcher
  40. "At Christmas play and make good cheer, For Christmas comes but once a year." - Thomas Tusser
  41. "What do you call people who are afraid of Santa Claus? Claustrophobic." - Unknown
  42. "Perhaps the best Yuletide decoration is being wrought in smiles." - Unknown
  43. "If there is no joyous way to give a festive gift, give love away." - Unknown
  44. "Until one dreams the spirit of Christmas, there is no Christmas. All else is outward display – so much tinsel and decorations. Firelight's glow. It's the warmth that comes to the hearts of men when the Christmas spirit returns again. " - Unknown
  45. "Many banks have a new kind of Christmas club in operation. The new club helps you save money to pay for last year's gifts." - Unknown
  46. "Are you willing to believe that love is the strongest thing in the world – stronger than hate, stronger than evil, stronger than death – and that the blessed life which began in Bethlehem nineteen hundred years ago is the image and brightness of the Eternal Love ? Then you can keep Christmas. " - Henry Van Dyke
  47. "Christmas is for children. But it is for grownups too. Even if it is a headache, a chore, and nightmare, it is a period of necessary defrosting of chill and hide-bound hearts." - Lenora Matttingly Weber
  48. "Like snowflakes, my Christmas memories gather and dance – each beautiful, unique and too soon gone." - Deborah Whipp
  49. "Somehow, not only for Christmas, But all the long year through, The joy that you give to others, Is the joy that comes back to you. your heart's possessing, Returns to you glad. " - John Greenleaf Whittier
  50. "Never worry about the size of your Christmas tree. In the eyes of children, they are all 30 feet tall." - Larry Wilde

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Can You Really Lose As Much Weight As a ‘Big Loser’ Each Week – And Would You Want To?

With shows like the Biggest Loser getting massive reviews and viewer numbers, clearly its hitting a chord with the general public. The show encourages massive weight loss on a weekly basis. How do we know how much is a reasonable amount of weight to lose? Is it true that you can only lose half a kilo per week. Let's take a look at what is realistic – and achievable – for you …

First off, is it really possible to drop fat as quickly as the contestants on The Biggest Loser? Can the man on the street (or you :) take these kind of losses without a team of trainers, nutritionists and camera men following their every move? Or are the massive and speedy losses on the show nothing more than clever marketing and a not-so-subtublic manipulation of the viewer?

I did a little research to find out just how much weight some of our contestants have stacked up. At the time of my research the show was airing Week 11. Here's a summary of total weight loss for the final four contestants at that time:

Sam: just over 40kg (88 pounds)
Cosi: close to 48kg (105.6 pounds)
Alison: around 36kg (79.2 pounds)
Gary: close to 59kg (129.8 pounds)

The weekly weight loss (divided by 11 just to keep it simple, although obviously they would have lost different amounts each week) is shown here:

Sam: 3.63 kg p / week (7.9 pounds)
Cosi: 4.36 kg p / week (9.6 pounds)
Alison: 3.27 kg p / week (7.2 pounds)
Gary: 5.36 kg p / week (11.8 pounds)

Just in case you're interested, this averages out at a body weight percentage loss of around 2.8 weekly. If you matched this to the 'average' 70kg woman, that would equate to 1.96kg per week, and for a 90kg man it would be around 2.66kg per week.

Does not sound like too much, really, does it? I'm sure many readers out there would be thrilled to lose this amount of weight each week, and not necessarily consider it extreme.

But let's think about that. In my experience most of you have heard over and over that healthy weight loss is around 0.5-1kg per week. In fact, every health expert, resource or study I've mentioned that a 'healthy' (as in mainly fat, and sustainable) amount of weight loss is just that – around half a kilo per week for women, and 1 kilo for men. Extremely overweight people are said to be able to lose 1.5 kg per week.

If we take this as a gospel (for now), then clearly the BL contestants are losing weight much faster than they should be in order to keep it off. According to Anne Collins, fat loss expert extraordinaire,

'When we lose weight we do not just lose fat. We lose a combination of body fat, and muscle tissue. Studies show that when we diet, the weight we lose is on average 75 percent fat and 25 percent muscle. (Also) remember water accounts for about 70 percent of the total body weight of an average person, with muscle tissue containing roughly 75 percent water (plus 20 percent protein and 5 percent minerals), and body fat containing roughly 50 percent water. '

How is this relevant?

When you lose weight quickly, your body will shed muscle and water before it lets go of fat stores. This is because your body views rapid weight loss as a threat to your survival – your physiology assumes that you must be low on resources (food), or on the run. Why else would you starve or over-exercise yourself?

In order to preserve life (yours!) Your very intelligent body gets rid of the less important stuff – like muscle. Yep, that's the metabolism boosting stuff in case you forgot. After all, fat stores will keep you alive for longer.

So the long and short of it is that losing weight too quickly will not only mean you lose muscle and water over fat, but you will also (at least semi) permanently lower your resting metabolic rate, meaning that the same amount of food you used to eat will cause you to gain more weight.

This is where the concept of the 'yo-yo effect' comes in to play – the idea (reality) that most diets result in a bounce-back effect that leaves the sorry soul in question more overweight than when they started.

NOT good.

But that's not really the full story. Here's where it gets even more confusing (or interesting, for the thinkers among you).

o If your body is under a lot of stress, you can not safely lose weight. Basically, your body will not allow you to. This is because stress is a threat to your survival – and your body can not distinguish between our modern day stress of a demanding job or unsettled relationship, and the stress of a threat on your life. Therefore, your body views all stress as a threat to your survival – and attempts to give you a fighting chance by keeping a protective layer of fat that will not go away regardless of what you eat or how you exercise.

o According to William W. Wolcott, author of The Metabolic Typing Diet, 'It is not uncommon for people to gain weight in response to stress. Weight gain literally represents a protective layer, an insulator, against the pain and suffering of the stress. In such cases, diet, nutrition, and exercise are powerless to resolve the problem '. Solution: put steps into place to detoxify stress. This includes eating correctly, but also taking time out.

o Ironically, cutting back calories to an extreme or doing high amounts of cardio exercise can also prevent you losing weight.

o Even if you are losing weight at the 'safe' rate of, you will still find your lean muscle mass decreases to some extent. In the long run this means you will lower your metabolism and possibly gain weight back. The only way to counteract this is to perform resistance exercise. I'd recommend at least 1-2 half hour sessions per week, for maintenance, or more if you're looking to gain a significant amount of muscle.

o A final spark of hope – Over the years I have known clients to 'lean up' in an incredibly fast manner. Without losing a significant amount of muscle – and I'm not just talking abut extremely overweight people. I'm going to finish this article with my hot tips for maximizing weight loss from fat.

MAXIMISE YOUR FAT LOSS

1. Eat correctly. Trust me on this – pill popping is NOT how the human body achieves true health and weight loss. Choose natural, minimally processed sources of carbohydrates, fat and protein.

2. Sleep correctly. Numerous studies have shown that building up a sleep debt will result in rampant stress hormones that cause your body to store fat. Regardless of how you eat or exercise. I've written many articles on the topic myself.

3. Think correctly. I do not care how 'airy fairy' this sounds – your thoughts do have power. If you believe and tell yourself that you can not lose weight, you WILL NOT lose weight. Positive thinking on its own may not cut it, but it sure is not going to hurt. Build confidence and promote positive action by telling yourself that you can and will improve your health and weight.

4. Reduce stress. We've spoken about how stress hormones cause you to store fat. If you really can not change your lifestyle, put steps into place to relax and recuperate. Using your one free hour pounding the treadmill is not always the best option. But ask yourself this. Can you REALLY not change your lifestyle? If your life depended on it I bet you would walk out of the job, relationship, situation or whatever it might be. Guess what? Your life does depend on it.

I guess when all is said and done, the rapid weight loss of Biggest Loser contestants may not be possible or ideal for most people. This next I believe the show does a brilliant job of inspiring people to reach, to fight, to do whatever it takes to achieve their dreams. I think if you asked them, the BL contestants would tell you that they had definitely been living life.

How 'bout you?

Life is Now. Press Play.