College Cost Reduction and Access Act Stipulates Student Loan Forgiveness for Public Service Employees

The College Cost Reduction and Access Act of 2007 have been in effect since October 2007 but it is its loan forgiveness provision for public service employees that are infusing hope in a shaky economy. Is the hope justified and do you qualify?

The College Cost Reduction Access Act

When President Bush signed the College Cost Reduction and Access Act of 2007, it was hard for students to find fault with the measure. There are a number of provisions in the legislation that make college loans a lot more affordable over the course of the years.

For example, undergraduate students with subsidized Stafford loans disbursed from July 1st of 2006 to July 1st of 2009 will see a 6.8% interest rate. In comparison, students with loans disbursed between 07-01-11 to 07-01-12 may expect a 3.4% interest rate. While also the income-based repayment program is of interest, it is the loan forgiveness that is making the biggest headlines.

Loan Forgiveness under the College Cost Reduction Access Act

Students groaning under the massive weight of their education loans may take heart and consider that there is hope for loan forgiveness. The National Association of Student Financial Aid Administrators (NASFAA) reports that the Secretary of Education has the authority to forgive the balances of federal direct loans – Stafford, Plus and even consolidated – if the student has made 120 scheduled payments on the loan after October 1, 2007.

Given the precarious economic times, finding students who will make their 120 payments faithfully might be difficult. Nevertheless, if the student conscientiously makes the payments, s/he must also clear a second hurdle. The second provision of the College Cost Reduction Access Act stipulates employment in the public service during the 120 payment timeframe.

Defining Public Service Employment under the College Cost Reduction and Access Act

If you are sending in money on your 120 college loan payments and you work full time for an agency that is defined as providing a public service, you may take advantage of the loan forgiveness provision of the College Cost Reduction and Access Act. This includes employment in the fields of social work, public education, law enforcement, public safety, military service, child care, and more! Moreover, if your employer is a tax-exempt 501(c)(3) organization, you also meet the requirements.

Does Banking on the Future Help You Today?

The potential for debt forgiveness that may encompass huge chunks of money is staggering, but will there really be a lot of qualified applicants for the loan forgiveness under the College Cost Reduction and Access Act? First and foremost, the requirement of public service employment is a bit of a double-edged sword, as pointed out by the National Law Journal. According to their numbers, fledgling attorneys employed in the private sector make an annual income of about $160,000. The same candidates employed in the public service only bring in about $41,000.

Can new grads really afford to work in the public sector for a down the line loan forgiveness? That being said, with the private sector registering job losses and even the public sector instituting hiring freezes, will new grads with student loan debt really have a fighting chance to aim for loan forgives by meeting both requirements of the College Cost Reduction Access Act? In addition to all this, Personal loans can also help you start a business as you get the best possible interest rates and payment options so that you can start or boost your business without any financial burden from banks or money lenders. 

Choosing a Tummy Tuck! How? Read to know

Educate yourself first: Watching a tummy tuck on television might give you a little information about this surgery. Actually called an abdominoplasty, this is major surgery, not a lunch hour procedure. Research online for actual surgery footage to better understand what will be happening during your surgery. Realize this is major surgery, and not to be taken lightly.

Know your surgeon: Any surgeon in the United States is allowed to do plastic surgery. This does not make them a plastic surgeon. Look for a physician that is a member of the ASPS-American Society of Plastic Surgeons. In order to be a member of ASPS, a physician has to have a minimum of 5 years experience as a surgeon, and a minimum of 2 years as a plastic surgeon.

Learn about the surgery: Men and women often enter the decision to have a tummy tuck before investigating what is really going to happen during the surgery. Some important things that should be considered include your health history: Do you have high blood pressure? Are you taking medication for high cholesterol? Do you bleed easily? What health issues have you been treated for in the last 5 years? Be sure to tell your physician everything. This is no time for secrets. Your life is on the line anytime you have surgery.

Ask about tummy tuck options: Be sure any physician you have a consultation with explains alternatives. Does the doctor think you can get rid of your concerns with exercise? Does the physician state you will not have a 100% success according to your hopes? Has a mini tummy tuck been offered or explained? Do you need a radical tummy tuck? You may not need as much surgery as you think. Would lypo be enough?

After the tummy tuck: Men and Women need time to recover from tummy tucks. Following a tummy tuck, or a mini-tummy tuck, you will be sent home with drains in the lower abdomen that will remain for 2-3 weeks. Usually you can return to work after the drains are removed. You are usually required to wear a compression garment for several weeks afterward as your body heals.

Check your insurance to see if the tummy tuck is partially covered: In some instances, even though you may think of this as a cosmetic surgery, insurance will pay a portion of your costs that provides Women and men who have loose skin and fat on the abdomen can benefit from an abdominoplasty scheme that covers all the aspects of operation. This might include preliminary tests, laboratory fees or consultation fees for a second opinion. What is covered may depend on what your surgeon states as the reason for your tummy tuck. At a cost of $3,000 to $10,000 in some areas, it would be nice to have a portion paid by insurance.

Where does the surgeon do surgery? Will you be using a hospital facility, or will you be in the doctor’s own surgical center? The location may make a difference when it comes to insurance and emergency treatment if needed.

Your support system: You will need some help after this surgery. Be sure you have everything lined up so that once you return home you can relax and heal. Try not to have anyone who is critical of your choice around while you are beginning to enjoy your new look.


Come summers and all ladies wish to go hair free so that they can show off their skin in cool summer clothes. Laser hair removal is considered to be superior to most other methods of hair removal when compared on the basis of time involved and convenience. Are you also someone who is Thinking about laser hair removal in New Jersey? Buying a reliable and professional grade hair removal machine can be the way out for you if you wish. 

Given the variety of options and choices regarding hair removal machines in the market, it can be somewhat difficult to decide which one you ought to go for. Different machines need to compared on the basis of their characteristics, pros and cons. 

If you are someone who owns a salon and you are planning to invest in a laser hair removal machine, this might be especially useful for you. A laser hair removal machine might only cost a bit but the successive sessions that your patients will avail through that machine will rake in much more than that for you. If your salon receives a good footfall, you can easily expect to recover the costs of the machine in no time. 

Shared below are some of the best laser hair removal machines that are mostly used in salons and preferred by laser professionals as well. 

The best laser hair removal machines for your salon

  • Philips Lumea Prestige – The model BRI949/00 is one of the best laser hair removal machines that you can get for home and salon use. It is suitable to treat light and dark skin tones, with a wide array of adjustable options and features that make it ergonomic to use. 

This model has been featured by many specialists many times, owing to its product features. It is a portable device that can be used to remove hair from the limbs, face, upper lips and armpits as well. The model makes use of advanced IPL laser technology that fits well for use on someone with a dark skin tone, with dark hairs as well. Results from the machine show a significant hair reduction of up to 92%. 

The machine is accompanied by multiple adaptors for different parts of the body, providing quick hair removal and better effects. However, it comes at a steep price that might be too much to afford for someone who wants to purchase it for domestic use. 

  • Project E beauty hair removal machine: This is a professional grade machine which is best for those who want to equip their salon with one such procedural equipment. The machine offers a broad wavelength and pulsed light technology and is also equipped with a unique cooling system, which helps in cooling down the skin during the process. 

The machine helps in carrying out the removal procedure with the help of multiple modes and functions that can be modified as per requirement. The compact size of the machine and its affordable price make it a good choice for professionals. However, the machine runs for only 1 lakh shots during its lifespan, which merits making a decent calculation about the returns you will get from the machine. 

  • Skinact IPL machine for hair removal: The problem with the variety of products in the market today is that they aim to target multiple issues with one product. This means paying a higher price for some of these products, the benefits of which might come only from a single function. 

Take for example laser hair removal machines, which claim not only to remove hair but also to treat various skin issues, which is not something that you may need in your machine. This is the strong feature of this machine here that has been designed with a sophisticated control system. It targets hair removal in a safe environment that protects the hair follicles from the harmful UV lights. 

The machine consists of separate filters for the process and provides a seamless interface for operation. 

  • Vinmax E light OPT laser hair removal beauty machine: this is a professional grade machine that can be used on every body part for hair removal. The quality of this machine is so good that it can also be used for hair removal on the pubic area. 

The impressive part of this machine is that it comes at a relatively cheaper price that makes it suitable for use by beauty salon owners and professionals as well. 

The additional features of this machine include reduction of wrinkles and improvement of skin elasticity by using different wavelengths. The machine runs on a unique OPT technology which provides a technological edge to the machine as compared to those that run on the IPL technology. 

Considering the cheap price of the machine in comparison to some of its alternatives, the suitability on a variety of skin tones and the quality of outcome, makes it largely favourable. However, it does not come without its share of cons, including a bulky and heavy built that makes it difficult to navigate around and an outcome that is limited to 30000 shots. 

  • Silk’n Sensepil Professional Grade hair removal machine: If you are looking for something that is professional, yet light and easy to operate, then this is the perfect choice for you. 

The only associated con with the use of this machine is that it cannot be used on skin that is dark or hair that is light in pigment. Otherwise, it is a very professional and handy device that delivers quick and efficient results. It offers different energy level settings that allow the user to modify the treatment as per the requirement. 

These are some of the best machines that you can use for hair removal using a laser machine. They have their own pros and cons, which merits assessing them for their viability for your unique requirement. It is highly recommended that you look for a FDA approval rating on the machine of your choice. 

Bad Mobile Phone Habits

Technology has altered the way we live and how we communicate with the world. Telecommunications now includes the use of both land and cell lines for phone communications, in addition to several options for internet access. The technology has become so advanced that cell phones have become a regular part of our daily lives. 

Mobile phones are light, compact and very affordable. The option to shop for Mobile Covers Online in India also makes it easy to protect the phone against falls and breaking. Some cellular companies don’t even require contracts to promote long-term use or customer loyalty. We have integrated cellular communications into nearly every situation and life experience. This has created a need for certain establishments to develop policies and post signs pertaining to when this technology can and cannot be used. This often includes airline regulations and medical facilities, where cellular frequencies can interfere in critical business operations and present safety issues. 

As a society, we have many different standards when it comes to mobile phone etiquette. These phones seem to be nearly glued to the ears of some users, while others rarely power their phones on. They may feel this technology was intended for emergency use only and be particularly bothered being in the presence of someone who interrupts their conversation to answer incoming calls, make quick calls or check their voice mail. 

We conduct business over the phone, manage our families, make financial transactions, schedule meetings, arrange activities and discuss many other topics with our community of people. Our practice with how we use technology differs, perhaps based on the usage requirements for this service or the active lifestyles of its users. 

It can be quite annoying to listen to a cell phone ringtone or even a conversation when we are in certain environments, hoping to escape the pressures and stressors of our lives. It seems like even in the movie theatre, just as a movie reaches its climax, that someone will rudely accept an incoming call. So we attempt to find that perfect seat where we find isolation, not just from people but also of technological advances. Even those kind enough to switch their cell phones to vibrate mode, we can still see the phone light up as we sit in the dark of the theatre. Cell phones can be very distracting.

It is difficult to have to listen to someone’s conversation in public places as well. This might include public transportation, facilities like a doctor’s office or library and even young children or teenagers carrying phones to school. As we pass our bad habits to a younger generation, some wonder if children are mature enough to handle the responsibilities of all this technology or whether they really need it. Some sit in class text messaging friends, when they should be focusing their attention on learning and being present with their class. The use of cell phones has invaded nearly every aspect of life. 

One of the most disturbing topics concerning society today is the use of cell phones while driving. It only takes a moment of distraction to lead to a tragic event and the potential loss of life. While it is a convenience to be able to multi-task while driving, asking for directions or communicating with others, it can be one of the most dangerous habits even for experienced drivers. 

It is unlikely that we will agree on a set of rules for mobile phone etiquette or that we can retrain the chronic abusers who will continue to use the technology to meet their own needs regardless of their impact on society. We can only hope that as we continue to evolve our communications abilities that we will determine better ways to improve use this technology while minimizing the risks associated with it. Cellular phones aren’t a bad thing, but our habits can create significant consequences that we need to be prepared to accept. The technology provides a privilege and should be respected as a responsibility. 

Spray Foam Insulation – Are They Flammable Or Not?

Insulation is basically ensuring that any form of energy (be it sound, light, thermal, etc.) is protected or guarded with a material so as to avoid it from being transmitted. Spray foam insulation is a type of insulation amongst a few others (like cellulose, fiberglass etc.) and it is used in houses to help save energy and provide great resistance making it a good insulator. It is comprised of two main materials which are known as polyurethane and isocyanate. These materials react with one another to form formaldehyde which is useful for repelling heat and minimize the penetration of air in joints and cracks. 

Types of Spray Foam Insulation

This technique consists of two types which are opened and closed-cell spray foam insulation.

  • Open-cell spray foam: They are also known as low-density spray foam which weighs about 0.5 pounds and is a very flexible hard foam. It is applicable in either high or low pressure. They are sprayed on ceilings, walls, unvented attics, and ducts. They provide high insulation, ability to block air very efficiently and low permeability for moisture.
  • Close-cell spray foam: They are the opposite of the open-cell. Also known as high-density spray foam and weighs about 3 pounds. It is very heavy; therefore, it doesn’t expand as compared to the open-cell and it provides higher insulation abilities. They are seamless, thermal-resistant, and solid; therefore, they are mostly used by construction workers that require high insulation and power, exterior works, and roofing (especially for high wind seasons).

How to Install Spray Foam Insulation

  • The substance is in the form of liquid which is then sprayed on the chosen area through the tip of the spray foam gun.
  • Comprises of polyurethane and isocyanate which forms the hard substance on the surface area.
  • The hardened substance is expanded on the area, which forms the layer of defense to seal area against air, moisture and heat.

Advantages of Spray Foam Insulation

  • They are very efficient in saving energy and air infiltration.
  • They help the rooftop to maintain a very low temperature which also helps to save energy.
  • They help to give household items a long-span. For example, they are used on rooftops and even during the high-wind season, which increases the resilience of the building.
  • They are used to effectively seal holes and cracks in buildings against unwanted air penetration.
  • Efficient water resistors made up of polymer such that bacteria, molds, and mildew cannot grow.

Is Spray Foam Insulation flammable?

One thing you must understand is that insulators react to whatever form of energy is placed on them, but they react slowly. For example, if you expose an insulator to electricity, they will conduct electricity but they do this very weakly. What does this tell you about Spray Foam Insulation? They are flammable when exposed to a specific amount of heat. From research by the International Building Code, it is given that foam plastic materials from proofing foam, Styrofoam, and spray foam are all flammable. Make sure its interaction with the sun or any form of heat is kept at a minimal level so as to ensure efficiency for a longer period of time although there are a lot of regulatory laws put in place to improve the design, comfort, sustainability, and enhanced insulation. 

Close-cell spray foams may also be waterproof, but the same cannot be said about open-cell spray which may be water-resistant since they can hold a specific amount of water. High-density spray foams can be considered to be more effective with its resistance to water.


How To Pick The Best Hair Dye Product For You

Women and more recently even men have been dyeing their own hair at home for years. Once you get it down to how you like it and what product works best for you it is not such a scary and anxious experience.
Products for hair dye have come a long way and that means good news for the consumer because we now have a great deal of high quality products to choose from and also many stores to purchase them from. The people who work at these beauty stores are usually people who are still in the business or have been in the beauty business for some time and they can give you some pointers also.


I have found the most helpful place to get information about dyeing your hair at home is on the Internet. You can search through and read up on any personal stories, professional tips and insider knowledge. There are also some stories about hair color disasters that you can avoid by reading about someone else’s experience and how they handled it. You just have to be carefully aware that someone’s blog or review of a product might be just another advertisement for that company, as now a days that is how some bloggers and reviewers and even commenting on blogs make their money by endorsing the companies product and making it look as though it is an unbiased individual who is neutral.

Another issue that comes up frequently is that “professionals” will pretty much 100% tell you not to even attempt this because they are the only ones trained to do this; of course they are going to tell you that partly because it is how they make their income, and also they do see first hand the disasters that some people create because they have to try to fix them. I just do not agree that you can’t dye your own hair, and there are a lot of people have been doing it for many years.


You need to consider that no matter how close to color or cut or even heredity you are to someone else your hair is completely different than anyone else’s to choose Laser hair removal is a medical treatment which is necessity if you want a perfect looking face. And with that fact comes the other revelation: You have no idea how a hair care product or dye will work for you until you actually bite the bullet and use it. That is why every product states very clearly to do a strand test for sure, from the first time you use the product and every time after, because you can and will have different results even in a day’s time. Your hair and body and stress level, environment, weather, etc. change every time you dye your hair, so if you have any apprehension at all by all means do the strands test first. Once you know your brand, how it usually turns out, how you want it to turn out, you may feel confident enough to just jump right in because you have gotten good results and trust that you know what works and what doesn’t. But, if you read about someone’s disaster or success, just be aware that until you get a little real time experience under your belt, you won’t know for sure what your hair will do.

4 Best Tips Of Using EPOS System For Your Online Business

An EPOS system is one of the basic necessities of any online business. As you Use sales tracking software and sales management system for best results you get to improve the overall productivity and efficiency of your business. This is why it is really important that you choose an effective software according to the requirements of your business. In this article, we will go through some of the best tips that you can follow to get the best results from your EPOS software system.

  • The first and the most important that you should be doing is choosing the right EPOS system according to your business requirements. Since these EOPS systems are highly customizable you need to do thorough research about the requirements of your business and what you need with your EPOS system. You should always look for the EPOS system that can easily integrate across all your sales platforms and the system that you use. Here is the list of things that you should consider as you choose an EPOS system for your business:1. The rate at which you process any order and the rate of getting orders from all your online channels. 2. What is the most common way through which orders are placed on your website and what are the essential features that you need to make this process more seamless.3. How often do you run promotions and discount offers for your customers and how you manage your system at that time.4. How do you plan on tracking your inventory and how often you update the data. Besides all this, how can you avoid overstocking and understocking?5. What aspects of your business do you want to track with your EPOS system and how are you going to access the whole dashboard.6. Lastly, what is your budget to upgrade your system into an EPOS system? These are the things that you should be considering as you look for an EPOS system. Moreover, the only disadvantage of these systems is that they are quite expensive as you need help from professionals to integrate the software to your existing system and online platform. However, you get a standardized process that allows you to work more efficiently.

  • Another reason why you should be opting for the EPOS system is that it allows you to scale and develop your business at a much faster and efficient rate. As you grow your business, the number of orders that you get along with your inventory increases which makes it really difficult for you to manage that on your own. At some point in time, it would be really difficult for you to manage all that with your traditional POS system. However, as you switch to EPOS you get to automate all these processes along with easy management. The EPOS system will automatically update and maintain all your sales records, inventory, and the complete order process allowing you to work more efficiently. Even if you are new to the industry you can plan to upgrade to the EPOS system sometime in the future.

  • As you get a customizable dashboard for all the operations of your business the EPOS system adds more flexibility to your work. Moreover, since you can control all the data of your business on your mobile phone you can easily manage your work on the go as well.
  • Lastly, since most of the sale processes are automated with the help of the EPOS system you get accurate data about your customers so that you can run promotions and discount offers for your regular customer more efficiently. This will also improve your customer retention rate as well.

Advance Wars Grows Up – Latest Installment

There’s been a lot of talk about the new look and feel of the latest installment of the Advance Wars franchise and not all of it positive. Well, I’m here to drop the skinny.

The Good:

The heart of the Advance Wars survives in all its splendor. Hardcore strategy meets fast-paced fun in over 100 maps which are sure to give you more than enough distraction from work and family. The setting has moved from a happy-go-lucky world at war to a post-apocalyptic wasteland devastated by comet strikes and a deadly virus running rampant among the survivors. This may put off some die-hard loyalists, but I view the change as a positive one. The on-line play matches you up against opponents from all over the world. And, of course, your CO influences his units uniquely. The CO Power is handled differently in this release though. Where in previous installments of Advance Wars the CO stored his energy and unleashed it in outlandishly overpowered attacks like meteor strikes or map encompassing floods, this time around, the CO Power is toned down and requires more strategy to use it effectively. In fact, it is sometimes more advantageous to not use the stored power but let your CO’s sphere of influence grow to encompass more units (which powers up their offense and defense). If you want to boost your performance then you can also use elo boosting for that. It is an affordable service that you can use for improving your level in Advance Wars Grows up. 

The Bad:

While much of what players love about the Advance Wars franchise survives, one sadly missed casualty of war is the War Room. Anyone who has played the prequels knows all about the dozens and dozens of maps that players were open to. And some say that much of the replay value is lost with the exclusion of the War Room since new maps were opened up based on achievements made through the replay. And in regards to online play, there is a time limit per turn. This necessity obvious to anyone who has ever played checkers with a hesitant opponent; but the visible countdown can distract from strategy making.

The Ugly:

In a game as nearly perfect as this one, there are always some let downs. And after all my hours of play, my biggest complaint is the writing. While most of the dialog is adequate, there are many instances where I wished I had dug out my eyeballs instead. For example, the line, “Where there is life, there’s hope”, is acceptable – however cliched – once or possibly twice, I certainly didn’t need to hear it a dozen times. In addition to that, the ‘human spirit can overcome all obstacles’ theme of the hero team’s dialog can become very annoying and contrasts strongly against the post-apocalyptic setting. And the interaction of the hero and his girlfriend are very anime-influenced. While I do enjoy some melodrama, I think it should have been handled more sparingly. By no means is it “gag-inducing” but it does cause you to roll your eyes from time to time.

The Verdict:

All in all, I highly recommend purchasing this title, especially if you loved the prequels. What flaws do exist in this game are far overshadowed by everything that Nintendo and Intelligent Systems did right. Buy it, you will not be disappointed.


What to Do With Your Cat While You’re On Vacation

You’ve spent weeks looking forward to your vacation. You’ve arranged for time off from work and made all the travel reservations, but there’s one major obstacle standing between you and your getaway. What to do with Kitty??? 

When making arrangements for your cat, keep in mind that most cats do not like change. Having you absent from the home for several days is a big deal for them, so it’s best to minimize other change as much as possible. With that in mind, let’s review the options for ensuring your cat is well cared for in your absence: 

#1 – Let the cat stay on its own. Most cats do just fine on their own as long as someone comes in briefly every day or even every couple of days to put down fresh food and water, clean the litter boxes, deliver a few scratches behind the ears, and play with them a bit. They’re at home in their environment, your scent is everywhere, and if you have multiple cats they can amuse each other. 



#2 – Arrange for a friend, family member, or professional pet sitter to stay in your home while you’re gone. If you have a cat who does not do well alone or if your cat has health concerns then this is a good alternative. Although your cat may go skittering for cover until they get used to someone other than you coming through the door, chances are they’ll soon warm up to their caretaker and be glad for the companionship. 

#3 – Take your cat with you. Most cats do not enjoy traveling, but if yours does and if you will be staying in pet-friendly lodging, then this may be the perfect solution for you, especially if you plan to spend a lot of time in your lodging facilities. 

#4 – Leave your cat with a friend or family member. If you don’t have anyone nearby to stop in and care for your pet and a pet-sitter isn’t in your budget, then consider asking a cat-loving friend or family member if your cat can stay with him or her while you’re gone. Although your cat may not appreciate being taken out of its normal environment and may spend a good deal of time hiding under a bed the first day or two, chances are it will come around and do just fine. 

#5 – Board the cat. Some cats do well in boarding facilities while others have difficulty adjusting to the kennel environment with all its strange sounds and scents. If you decide to board your cat, visit the facility in advance and ask to see where your cat will be kept. Make sure you feel confident that this is a safe and comfortable place for your cat to stay while you’re away. 



Once you’ve decided on the best arrangements for your precious pet, remember to leave their caretaker with your cell phone or another number where you can be reached in case of emergency. Also leave written information such as the name and number of your veterinarian, any special feeding considerations, or medication needs. Additionally, if your cat will be staying away from home, whether with a friend or at a boarding facility, send along a pillowcase you’ve recently used or anything else that carries your scent, as this will be reassuring to your cat. 

By taking the time to make the proper arrangements for your cat, your vacation time can be a positive experience for both of you. Your cat can remain safe and healthy and you can enjoy your vacation to the fullest, knowing that your faithful companion is being well cared for in your absence. 

Normally, it is one hell of a task to take your pets along when you are travelling at long distances but you can’t just leave them behind as they are part of the family but sometimes they do create nuisance onboard a flight or cruise so they have to be monitored and never let out of sight whenever they are out on their own and that couldn’t be more true for our trips & tours program where there was a get together of college friends which turned into a nightmare when my cat went berserk at a dinner party and caused pandemonium all around. 

How Yoga, Water Aerobics And Walking Help Burn Fats

There are many diet pills which promise reat weight loss results. Some procedures such as coolsculpting offer great fat reduction in lesser time as well, although the price of coolsculpting depends on several factors. Then, there is water aerobics, walking and yoga.

Ever wonder if yoga, water aerobics and walking can actually burn fat? Many people doubt that fat-burning can be a result of walking, yoga and water aerobics. I’m a certified personal trainer.

So let’s start with yoga. Can yoga burn fat? Well, you’re always releasing fat. The real question is: Can yoga contribute significantly to this? You will burn more fat in a yoga class than you will sitting at the computer, especially with more demanding forms of yoga.

But the direct fat-burning effect of yoga is limited. However, yoga can strengthen your lower back and core, and this in term will make you more efficient with traditional gym routines that do expend a lot of fat, like barbell squats, deadlifts and pushups. So don’t blow off yoga yet.

Now what about walking; how much fat can walking burn? Well, quite a lot when you add inclines or hills. Strolling in the park does not define the concept of walking as exercise, any more than bench pressing just the 45 pound Olympic bar defines the concept of bench pressing for exercise.

To burn a lot of fat, walking – like any form of exercise – must be done intensely. You can apply the protocol of high intensity interval training to walking. Here’s an example: Walk (don’t jog) at 4.2 mph on the treadmill, but with the incline set at 15 percent.

Do not cheat by holding on! Just don’t. Keep those hands at your sides and swing the arms, and see if you can sustain this pace and incline for 60 seconds. Thirty seconds will be too difficult for some people. If you’re in poor shape, you won’t last 15 seconds. That’s fine. Go 14 seconds, then, or use a slower speed.

Then set the grade at zero incline and walk 2 mph for two minutes. Then go back up to 15 percent and 4.2 mph (or 3.5 if you’re not in great shape). Go back and forth like this for 30 minutes. This kind of walking will burn a butt-load of fat! This principle can be applied outdoors on hills.

Can water aerobics burn any respectable amount of fat? Water aerobics is a good medium for certain populations, but for fat-burning, it doesn’t cut it. I’m referring to the typical water aerobics group class, rather than doing your own thing in the water with 50 pound dumbbells.

A water aerobics class, given at a rec center or health club, is ideal for very poorly conditioned people, the elderly, people rehabbing from injuries, and people with mobility challenges. However, water aerobics also attracts more able-bodied folks. It’s fun and refreshing, and some people just love being in water.

But again, water aerobics ranks low on the fat-melting scale. This isn’t about whether or not water aerobics burns fat. It does. You’re using up fat just sitting there reading this. The question is: Does water aerobics burn substantial amounts of fat? The answer is no. Rigorous lap swimming, on the other hand, does.