FutureStarr

A Increase 30 by 15

# Increase 30 by 15

The best time to do anything is now, even if it means waking up 15 minutes earlier. In the last year I did exactly that, and it helped increase my productivity, wellness, and creativity while saving me time. Here's why.

### Change

Percentage increase and decrease are calculated by computing the difference between two values and comparing that difference to the initial value. Mathematically, this involves using the absolute value of the difference between two values, and dividing the result by the initial value, essentially calculating how much the initial value has changed.

Training results in an increase in the efficiency of oxygen transport within the body. By lowering the resting heart rate (HR), and the HR at sub maximal loads, the heart pumps more blood with every heart beat. This, in addition to other physiological changes, increases the oxygen extraction capability. When an individual is tested before and after training while performing exercise at the same load, a lower HR is shown after training because more blood (thus, oxygen) is delivered in each heart beat. Such HR differences during exercise can be used to predict aerobic fitness. The % of increase in VO2 max is dependent on many variables and differs considerably from individual to individual, ranging from 5-30%. In general, individuals who are the least fit see the largest changes and individuals who are highly fit see the smallest changes. (Source: health.ucdavis.edu)

### New

Refinancing your mortgage can make sense if you plan to remain in your home for a number of years. There is, after all, a cost to refinancing that will take some time to recoup. You’ll need to know the loan’s closing costs to calculate the break-even point where your savings from a lower interest rate exceed your closing costs. You can calculate this by dividing your closing costs by the monthly savings from your new payment.

A functional, decorative ceiling fan is a beautiful thing. It provides necessary light and, in warm months, creates a soft breeze reducing the need for expensive air conditioning. But, an outdated, wobbly, loud or broken ceiling fan is a useless eyesore. Replace old fixtures with new ones to make your home more enjoyable for you now and to increase the bottom line should you decide to sell. (Source: www.hgtv.com)

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