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The 7-minute workout: a personal trainer in your pocket

We are a nation that loves a bargain. We tend to get a boost from getting more for less, more bang for our buck. In my work with busy professionals, not to mention in my own life, I know that time is at a premium and we crave convenience. When asked why my clients don’t exercise on a regular basis, the number one reason is time, closely followed by “it’s not convenient.” What’s better — or more convenient — than a personal trainer in your pocket? That “trainer” is the Johnson & Johnson Official 7 Minute Workout, and its goal is to give you more for less; that is, an effective and convenient workout in minimal time.

Our daily realities were in the back of my mind after Brett Klika and I published High-Intensity Circuit Training Using Body Weight: Maximum Results with Minimal Investment” in the peer-reviewed American College of Sports Medicine Health & Fitness Journal (May/June 2013, Volume 17, Number 3). I wanted to combine our science-based information on high-intensity interval and circuit training with an exercise tool that made sense for busy lives. It was with that idea and a lot of technical work that the 7 Minute app was born. The beauty of the workout is that it’s simple, safe and accessible, and access to a gym with equipment isn’t necessary because you use your own body weight. As long as there is floor space, a wall and a chair — what you’d find in any home, office or hotel room – – and seven minutes, you’re able to conduct an effective high-intensity workout, wherever you are. The workout combines high-intensity interval exercises with circuit training, for a full body benefit. Interval training consists of short bursts of blood-pumping exercise, such as 30 seconds of jump rope, sprinting or high knees, with short recoveries, such as walking or marching in place. Circuit training involves taxing specific muscle groups in sequence with limited rest between sets of exercises. Interval training can result in improved aerobic fitness in less time, and circuit training has been shown to improve muscular fitness.

I often hear, “Sounds too good to be true.” In the spirit of full disclosure, for maximum health and fitness benefits, we do recommend that you work up to three circuits for a total of approximately 21 minutes of high-intensity, non-stop exercise three times a week, on non-consecutive days. However, for many, a seven-minute workout can mean the difference between doing some exercise and no exercise, and some is better than none.

Another question I often get is, “Does it really work?” I can give you five reasons why the 7 Minute Workout app is effective:

1. You don’t have the inconvenience excuse. If your workout is contingent upon getting to a class, accessing a gym with equipment or needing special clothes, it’s too easy to let your workout slip. As long as you have a chair, a wall and some floor space, all you need is your body weight to do these exercises. There are 12 different workouts on the app, or you can design your own program using the library of 36 exercises. Whether you’re just beginning an exercise program (always check with your doctor first), re- starting a program or can handle an advance workout, you will find a workout on the app to meet your needs.

2. You don’t have the time excuse. When you work out at a high intensity, you push yourself safely for a shorter duration. As intensity increases, duration decreases, so you can get an effective workout in less time. The benefit is that you get similar fitness results in less time compared to a moderate-intensity workout, such as jogging or using an elliptical machine at a constant speed.

3. It’s a “two-for- one deal.” A balanced exercise program is one that gets your heart pumping while targeting specific muscle groups. The 7 Minute Workout does just this by combining aerobic and resistance exercises to target major muscle groups. Combining and rotating exercises, such as high knees, step- ups and mountain climbers, to get your heart pumping with push-ups, lunges and abdominal crunches to provide resistance training, makes for a complete workout that can be mixed and matched, so it’s not the same workout every time.

4. It works your body right. The order of exercises matters: This workout deliberately organizes them in a specific order to help you exercise as hard as you safely can for maximum benefit. It starts with the “total body” or aerobic portion to rev up the heart rate followed by the pattern of lower body, upper body and core. Then it repeats. By alternating between opposite muscle groups, one set of muscles can recover slightly while working the other muscle group is working.

5. You save your rest for later. The workout is designed to keep you moving quickly from one exercise to the next with minimal rest. This helps to keep the intensity high, but the workout duration short.

The best part: The app is free, so if it’s something you might want to try, join the nearly 1 million people who have downloaded the Johnson & Johnson Official 7 Minute Workout, and try it for yourself. You can chose one of the 12 workouts available on the app, design your own or select the Smart Workout feature that designs a program for you. My voice will go along with you, guiding you through the program — just like having your own personal trainer in your back pocket.

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The 7-Minute Workout: a Personal Trainer in Your Pocket originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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