As a credit union, we're organized differently than other financials. Veridian is a not-for-profit financial cooperative owned by our members. That means all the net earnings are returned to members in the form of lower loan rates, higher savings, and low-to-no fees. Veridian is also governed by a volunteer board of directors who are elected by our members. Each member has one vote in the election for our board regardless of how much money that individual has on deposit.
If you want to shrink your gut, get enough protein in your diet. In this case, about 25 percent of calories. Why? For starters, protein makes you feel full and helps you build muscle (which increases metabolism, thereby making it easier to lose weight). Just as important, high-protein diets have been shown to be the best way of attacking belly fat. In one study, published in the International Journal of Obesity, Danish researchers put 65 people on either a 12 percent protein diet or a 25 percent protein diet. The low-protein dieters lost an average of 11 pounds, which isn't bad. But the high-protein subjects lost an average of 20 pounds--including twice as much abdominal fat as the low-protein group.
Plus, a 2015 study from the Annals of Internal Medicine showed that for those who have a hard time following a strict diet, simplifying the weight loss approach by just increasing fiber intake can still lead to weight loss. Women should aim for at least 25 grams of fiber per day (based on a 2,000-calorie) diet, according to the most recent U.S. Dietary Guidelines. Not sure where to start? Check out our step-by-step guide to increasing your fiber intake.
Mobile Shredding — Mobile shredding services are perfect for any amount of paperwork up to 300 pounds (ideally 3 – 10 copy paper boxes). The truck comes to your home or office and shreds your paper while you watch in order to help prevent identity theft. The cost for mobile shredding is around $100. If you have more than three boxes but nowhere near ten, you can ask a friend, neighbor or other business to join you and share the cost.
During this cleanse, you’ll still eat your four meals and three snacks, but you’ll make additions to help stimulate detox. Every morning for breakfast, have a cup of lemon water with flaxseed oil to help fight inflammation. You’ll also consume one cup of hibiscus tea and one cup of 100% cranberry juice daily. Full of antioxidants, these drinks will help your body fight off harmful free radicals. To aid in cleansing your liver, avoid alcohol this week.
Keep a calculator handy. To calculate your waist-to-hip ratio accurately, measure the narrowest point of your waist and the broadest part of your hip. Divide the values you obtained from the measurement and you have your ratio. The waist-to-hip ratio is a more accurate parameter to measure BMI. Those with a waist-to-hip ratio of 0.8 are susceptible to cardiovascular disease and stroke.

Making a smoothie and ordering a smoothie at a shop are two very different things. When you make a smoothie yourself, you can measure the exact amount of fruit, swap water or almond milk for juice, and avoid any additional sweeteners. But many pre-made smoothies contain between 600 to 1,000 calories, on average, and are loaded with sugar. “An average height woman who is trying to lose weight is probably on a 1,200 to 1,400 calorie diet,” Amidor says. “So consuming one smoothie with 1,000 calories can easily sabotage any weight loss efforts.”

"Belly fat doesn't decrease at any different rate depending on your training methodology," Dr. Harrison told POPSUGAR. "If the goal is to lose belly fat, you've got to lose all fat," he continued. According to Dr. Harrison, "Where you hold the most fat will be the place where you're last to lean out." Spot reduction won't work, but Dr. Harrison did explain what you can do to lose fat in general.
Fitness newbie or not, if you're trying to lose belly fat, you're probably wondering exactly how you should be training. With all the workout options — HIIT, strength training, cardio, and CrossFit — it can be difficult to find the best workout that will get rid of belly fat. To find out if cardio or strength training is better for losing belly fat, POPSUGAR spoke with Alex Harrison, PhD, CSCS, a sports performance coach for Renaissance Periodization.
Markwald, R. R., Melanson, E. L., Smith, M. R., Higgins, J., Perreault, L., Eckel, R. H., & Wright, Jr., K. P. (2013, April 2). Impact of insufficient sleep on total daily energy expenditure, food intake, and weight gain. Proceedings of the National Academy of Sciences of the United States of America, 110(14), 5695–5700. Retrieved from https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3619301/
As a result, about four in 10 Americans are obese -- that’s a whopping 93.3 million adults -- which increases their risk of heart disease, stroke, type 2 diabetes, certain cancers and early mortality, and cost the country $147 billion in medical costs in 2008, according to the CDC. Nearly 80% of American adults are also not getting enough aerobic and muscle-strengthening activity, which is linked to about $117 billion in annual health care costs and 10% of premature mortality, according to the U.S. Department of Health and Human Services.
It depends on your goals and preferences. Some weight training will be beneficial in any regimen as it'll help you build lean muscle mass, increase the amount of calories you burn daily, and aiding in body fat management. However, the total number of weight training days can be altered between 2-6 depending on what form of exercise you actually enjoy doing.

1. High Intensity Interval Training (HIIT): This type of exercise is your key to melting belly fat fast.  HIIT is highly effective for all over weight loss, particularly removing stubborn belly fat. If you are not eating right, you have reached menopause or you are not losing weight you should do these exercises. Don’t let the name scare you as it is you who determines the intensity.  It is your perceived exertion that counts.
Try on clothes and pay attention to the fit. A great way to identify weight loss is if your clothes become too big or fit loosely. Stay positive, even when the numbers on the scales increase. When building muscle, you may experience weight gain -- lean muscle tissue -- but as long as your body fat percentage is decreasing, you’re on the right track.
A 2012 study also showed that people on a low-carb diet burned 300 more calories a day – while resting! According to one of the Harvard professors behind the study this advantage “would equal the number of calories typically burned in an hour of moderate-intensity physical activity”. Imagine that: an entire bonus hour of exercise every day, without actually exercising. A later, even larger and more carefully conducted study confirmed the effect, with different groups of people on low-carb diets burning an average of between 200 and almost 500 extra calories per day.

Keeping a toothbrush handy can do more than polish up that smile (and counter the effects of all that belly-slimming garlic); brushing your teeth throughout the day can also help you ditch that belly fat fast. A study conducted a sample of over 14,000 participants found that brushing after every meal was linked to lower weight. That minty toothpaste flavor not only clashes with virtually every food, brushing may also trigger a Pavlovian response that tells your brain the kitchen’s closed.
2. Ab Plank is a great exercise to really challenge your entire core and build up your strength and endurance. The Plank works the lower abdomens, the oblique muscles and your lower back. It takes focus and concentration plus some upper body strength. Start with holding the plank position for 30- 40 seconds and build your way up. You will be amazed at how strong your cores will get by doing this exercise regularly.
Too little sleep or too much sleep can throw your stress and regulatory hormones out of whack, and may lead to weight gain. A single night of sleep deprivation can increase levels of ghrelin (a hormone that promotes hunger), making you more likely to overeat the next day. Reduced sleep may also lead to fatigue during the day (duh) and less physical activity, which may be another reason why people who regularly don't get enough sleep tend to gain weight.

It’s possible you’ve lost significant fat already with foods like milk, wheat bread, and artificial sweeteners in your diet, but for the next week, cut these out entirely—even if you don’t think you have an intolerance to them. Even the slightest irritation to your digestive system can cause bloating and water retention, so eliminate the risk completely. Dairy and gluten appear in numerous condiments (soy sauce, salad dressings, some brands of barbecue sauce, etc.), so to avoid a potential problem, read labels and control your intake as much as possible. Season your food with condiments such as sea salt, salsa, and balsamic vinegar instead.
Being sedentary is a major risk factor of metabolic syndrome, obesity, and diabetes. But every type of movement is helpful—even small gestures we make throughout the day, like tapping our toes or pacing while talking on the phone. These moves, known as non-exercise activity thermogenesis or NEAT, can constitute as much as 50 percent of the total energy expenditure of a person who keeps busy throughout the day. Simple things like taking the stairs instead of the elevator and taking a brisk walk on your lunch hour can help sizzle calories and reduce fat. These 22 ideas can keep you moving, no sneakers required.
Thing is, there’s no reason you shouldn’t be in on the secret, too. Whether you’re planning a last-minute vacation, or auditioning for latest action movie there’s a method you can follow to get as lean and hard as possible, so your muscles look like they’ve been shrink-wrapped by your skin. Follow these seven steps to get “the body” for your big moment.
Another strategy to keep your metabolism off-kilter is to take your body on a calorie roller coaster. As you start off the Shred Diet at Week 1, you’ll slowly reduce your calorie intake. This will be a difficult uphill battle — the steep climb of the roller coaster. Luckily, this effort is only short-term; halfway through the diet, around Week 3, you get to bring the calories back. As you glide down the roller coaster’s hill, you can indulge in your favorites like pizza and pasta (in healthy moderation), and your metabolism will run overtime. This roller coaster of calorie consumption is the perfect metabolic recipe for shedding fat. 
Most low-carb diets advocate replacing carbs with protein and fat, which could have some negative long-term effects on your health. If you do try a low-carb diet, you can reduce your risks and limit your intake of saturated and trans fats by choosing lean meats, fish and vegetarian sources of protein, low-fat dairy products, and eating plenty of leafy green and non-starchy vegetables.

As a result, about four in 10 Americans are obese -- that’s a whopping 93.3 million adults -- which increases their risk of heart disease, stroke, type 2 diabetes, certain cancers and early mortality, and cost the country $147 billion in medical costs in 2008, according to the CDC. Nearly 80% of American adults are also not getting enough aerobic and muscle-strengthening activity, which is linked to about $117 billion in annual health care costs and 10% of premature mortality, according to the U.S. Department of Health and Human Services.
You can’t skimp on sleep. Losing weight for good calls for a total lifestyle change -- and that includes getting more Zs. Missing the recommended seven to nine hours of shut-eye has been linked repeatedly with increased obesity rates. “When you don’t sleep enough, it certainly affects your brain,” explained Dr. Arad. “What we’ve learned is that people who don’t sleep well are making poor choices — eating more unhealthy diets, and they are obviously more fatigued, so they become less physically active.” In fact, people who sleep six hours or fewer per night on average consume about 300 extra calories the following day.

To encourage ketone production, the amount of insulin in your bloodstream must be low. The lower your insulin, the higher your ketone production. And when you have a well-controlled, sufficiently large amount of ketones in your blood, it’s basically proof that your insulin is very low – and therefore, that you’re enjoying the maximum effect of your low-carbohydrate diet. That’s what’s called optimal ketosis.

Forgive yourself. So you were going to have one cracker with spray cheese on it and the next thing you know the can's pumping air and the box is empty? Drink some water, brush your teeth, and move on. Everyone who's ever tried to lose weight has found it challenging. When you slip up, the best idea is to get right back on track and don't look back.

How much fiber should I eat per day? Most Americans eat less fiber than the USDA daily recommendations suggest. This article looks at the guidelines for fiber intake in men, women, and children. We also talk about how fiber can help with weight loss, and discuss how much fiber is too much. Learn about good sources of dietary fiber and a handy meal plan. Read now

If you’re routinely skimping on the recommended seven to nine hours, or you have difficulty falling or staying asleep, it’s time to get serious about your bedtime rituals. Your better-sleep strategy includes: limiting caffeine past the early afternoon; sticking to alcohol caps of one drink for women, two for men (since alcohol can interfere with the quality of your sleep); and staying off the phone and iPad within an hour of bedtime.

Rains, T. M., Leidy, H. J., Sanoshy, K. D., Lawless, A. L., & Maki, K. C. (2015, February 10). A randomized, controlled, crossover trial to assess the acute appetitive and metabolic effects of sausage and egg-based convenience breakfast meals in overweight premenopausal women. Nutrition Journal, 14, 17. Retrieved from https://nutritionj.biomedcentral.com/articles/10.1186/s12937-015-0002-7

Nuts, the second food to watch, contain a fair amount of carbohydrate, and it’s very easy to unwittingly scarf down large quantities. Cashew nuts are among the worst carb-wise – you’ll find that they contain around 20% carbohydrate by weight. For someone following a strict keto diet with a 20 grams of carbs per day allowance, this means that consuming 100 grams (which happens in a flash!) will have filled their daily quota. Peanuts tend to be around 10-15% carbohydrate – not putting them in the clear either.
You might have heard the term ‘middle-age spread’. This means, as women progress towards their middle years, the ratio of body fat increases compared to the body weight. During menopause, when the levels of estrogen go down, and the amount of androgens or male hormones increase, then there is an increased risk of fat accumulation in the waist. Hormones actually regulate the fat concentration in the body, and your figure depends entirely on it!
Worried about hunger? There are a lot of simple tactics you can use to curb your appetite. Drink caffeine in the morning to kill your appetite until lunch, eat a lot of vegetables and protein, drink a lot of water, and make sure to have your sugar water at night. The first few days can be tough, but the hunger goes away a lot faster than you’d think.
To lose body fat, you've got to hit the weights, and you're going to want to strength train a minimum of two times a week. If you're wondering which exact exercises to do, Dr. Harrison recommends compound exercises. Why? Because they're multijoint movements that work large groups of muscle and elicit a greater energy expenditure. This means that you have to work harder to perform them, and as a result, your body will burn more calories and fat. Exercises like barbell back squats, deadlifts, walking lunges, bench press, and pull-ups are all examples of compound exercises.
Dr. Ian Smith is the author of the #1 New York Times bestselling books, SHRED: THE REVOLUTIONARY DIET, and SUPER SHRED: The Big Results Diet, and BLAST THE SUGAR OUT. Dr. Smith’s highly anticipated newest book, The Clean 20, became an instant New York Times best seller, helping hundreds of thousands of people reduce bad sugars from their diet, lose weight, lower blood sugar levels, and cut the cravings. Read More
Listen to your mum - dieting is faddish. Instead, improve the "quite" to "all" healthy and eat only nutritionally balanced, healthy foods. Cut out all sweets and junk foods, apart from an occasional treat, as humans would have always done till recent times. The exercise is important, and include plenty of stealth exercise, such as taking the stairs instead of the elevator and cycling to the shops instead of driving, etc.
Frequent and sustained cardio training is one of the best ways to burn fat and boost metabolism. One of the best cardio exercises to perform is running, according to the American College of Sports Medicine, as it burns a high number of calories per hour and improves cardiovascular health. ACSM recommends training five days a week, with a minimum of 60 minutes per session.
The notion that abdominal obesity is the most dangerous kind isn't new. Back in the 1940s, the French physician Jean Vague observed that some obese patients had normal blood chemistry, while some moderately overweight patients showed serious abnormalities that predisposed them to heart disease or diabetes. Almost always, the latter patients carried their fat around their middles. And, almost always, they were men.
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