The Purpose of Yoga- Yogic Walking for Anxiety

Lets look at more solutions, which Yoga can give you, for anxiety and stress management. All of these solutions will take a bit of practice, and in some cases, you may need the guidance of a competent Yoga teacher.

After Pranayama (Yogic breathing techniques), there are still a large number of techniques to choose from. the next one that comes to mind is Asana (Yoga Posture). In a typical Hatha Yoga class, you will learn Asana on a mat, but you can learn to practice good posture all day long.

You can practice good posture in a chair, when eating a meal, standing, and walking. You can even use pillows to sleep in good posture. Most people prefer to multi-task these days, so Yogic walking is a wonderful way for those of us, who just have to do many things at once. This is not to be confused with walking meditation, which is an entirely different technique.

Put on good walking shoes, comfortable clothes, and begin to walk your course. Always watch the road, but keep your spine straight, and your gaze should be at eye level, while you visually take in the world around you. Close your mouth and breathe only through the nose. Breathe naturally, and do not force your inhales or exhales.

As you continue to walk, maintain your personal pace, and be mindful of your posture. The recommended time for Yogic walking is, at least, 20 minutes. Once breathing is natural, and not strained, some practitioners of this method practice walking meditation or silent Japa (Prayers).

This is a complete mental, physical, and spiritual practice, but you must pick a safe course and be ready to react to traffic, animals, and other pedestrians. Just because you meditate, or practice Japa, is not a reason to ignore people who wave or say hello.

Some people carry dog snacks for dogs and squirrels - while others may stop and chat to friends in the park. To accept life, people, animals, and the changes around us, without judging everything, is a treasure of life. If you can avoid judging everything, while you go for your walks, your health will change for the best in a multitude of ways.

Yogic walking is good aerobic exercise and prevents many diseases, anxiety, and depression. Your heart, vital organs, bones, joints, connective tissue, and muscles will benefit from Yogic walking. You may control, or lose weight, by practicing Yogic walking.

Maybe you were only looking to reduce your anxiety levels, but you are now convinced that Yogic walking is the way to go. Talk to your physician and get advice, which is specific to your body. Choose your course wisely and have fun.

Copyright 2007 Paul Jerard / Aura Publications

Paul Jerard, E-RYT 500, has written many books on the subject of Yoga. He is a co-owner and the Director of Yoga Teacher Training at: Aura Wellness Center, in Attleboro, MA. http://www.riyoga.com He has been a certified Master Yoga Teacher since 1995. To receive a Free e-Book: "Yoga in Practice," and a Free Yoga Newsletter, please visit: http://www.yoga-teacher-training.org/index.html

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Retirement Planning

Insurance offers a very attractive option of buying an insurance called Annuity that pay us a regular sum of money monthly/yearly from age 60 or 62 till our last day with our loved ones. You can invest a lump sum of money into annuity and the insurance company will compute the regular payout. And when unfortunate event happen to you, and the payout you received so far is less than the amount that you have invested in the annuity, the insurer will return the remaining amount with some interest to your beneficiary. However, if you outlive the amount invested, it is a blessing as you will be paid for life. Hence, by investing in annuity, we have no worry of not receiving consistent income for life. Moreover, some annuity declare bonus every year, hence your payout will increase each year to compensate for the inflation. So you get income increment even during your retirement years!

This annuity is really a necessary investment for everyone of us, whether you are single or married.

CPF board will automatically create a CPF Retirement Account once we reach 55 years old. The minimum sum required to be set aside will be deposited into the CPF Retirement Account. CPF will then start the payout from the official retirement age of 62. The payout ends once the full amount is withdrawn.

You may use CPF Retirement Fund to purchase the annuity. For those who cannot resist the attractive interest rate paid by CPF board, you may leave the money in CPF retirement fund to earn the guaranteed 4% interest. However, it is still prudent to use cash to buy a separate annuity policy so that you will still get some payout from the annuity when CPF stops the payment to you.

Supplementary Retirement Scheme (SRS) is a scheme to help the high-income earner to save tax by contributing any amount up to a maximum cap of $11,475 into the SRS account. It also helps to build up your retirement fund. The amount contributed to SRS will be deducted from your assessable income. This works out to be a savings about $1000 if you invest the maximum amount allowed. The capital gain for investing the SRS sum is not taxable. You will be able to withdraw the SRS money from age 62 onwards, the official retirement age when you open the SRS account at any local Singapore bank. And only the 50% of the amount withdrawn are subjected to income tax if the assessable income is above $24k. So you can plan and spread out the withdrawal amount for the next 10 years to minimize the chargeable income tax.

Amount deposited into SRS account can be used to invest anything such as share, unit trust, insurance policy and even fixed deposit. just dont leave the money in the SRS account as it only gives the meager % of interest rate offers by the bank.

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