FHA Single Family Mortgage Insurance Program. Homebuyers may obtain FHA- insured mortgages from HUD- approved lenders to purchase homes (including condominium units) with low downpayments. This program provides mortgage insurance to protect lenders against the risk of default on mortgages to qualified buyers. Insured mortgages may be used to finance the purchase of new or existing one to four family housing, as well as to refinance debt. Section 2. 03(b) is the centerpiece of FHA’s single family insurance programs. It is the successor of the program that helped save homeowners from default in the 1. Today, FHA One to Four Family Mortgage Insurance is still an important tool through which the Federal Government expands home ownership opportunities for first time homebuyers and other borrowers who would not otherwise qualify for conventional loans on affordable terms, as well as for those who live in underserved areas where mortgages may be harder to get. FHA has insured more than 3. These obligations are protected by FHA’s Mutual Mortgage Insurance Fund, which is sustained entirely by borrower premiums. Section 2. 03(b) has several important features: Downpayment requirements can be low. In contrast to conventional mortgage products, which frequently require down payments of 5 percent or more of the purchase price of the home, single family mortgages insured by FHA under Section 2. This is because FHA insurance allows borrowers to finance approximately 9. MIP can be financed. FHA mortgage insurance is not free: borrowers pay an upfront insurance premium (which may be financed) at the time of purchase, as well as monthly premiums that are not financed, but instead are added to the regular mortgage payment. Some fees are limited. FHA rules impose limits on some of the fees that lenders may charge in making a loan. For example, the loan origination fee charged by the lender for the administrative cost of processing the loan may not exceed one percent of the amount of the mortgage. Nor can borrowers pay a tax service fee. HUD sets limits on the amount that may be insured. The current FHA mortgage limit can vary depending on geographic location and can be found online at HUD. A single-family home rehabilitation program that enables you to finance both. FHA Mortgage Insurance Costs For an FHA loan the borrower will be charged a. Down Payment Gifts for FHA Loans FHA allows 100% of. FHA loans are a type of mortgage that offer favorable. Loan amount – FHA home loans have maximum. The rates shown above are the current rates for the purchase of a single-family primary residence. HUD Report Shows Continued Success of Single Family Loan Sale Program. When a distressed loan is sold, FHA generates savings by avoiding claim. FHA Home Loan Programs. FHA Home Loan Program. Here we identify all the available loan programs. Some of them will not apply to you and some of them will. Our goal is to make you aware of your options. FHA 2. 03. B: This program offers the easiest qualifications to get financing. Lenders go down to a 5. You can get the down payment from family, savings, tax refund. Can be used for basically any type of home urban or rural. With a 6. 40 or better credit score you can take advantage of this $0 down program. The benefit here is that you can buy a home in an urban area, like a big city. For instance, lets say you want to buy a home but it needs a lot of work to make it suitable for your needs. For example, house needs roof, flooring, appliances, and furnace. For instance, if the home is $1. FHA $1. 00 Down: This program is designed for homes that are FHA owned foreclosures. The FHA offers a special deal where the down payment is $1. It has to be a HUD owned foreclosed property. It can be for a single family home or a mobile home. Must be on a secure FHA approved foundation. Unit has to be built after 1. All FHA Single Family Housing. FHA mortgage insurance for a loan that covers both the acquisition and. Status of ADP codes for this housing program is Deleted. Home Equity Mortgage. Single Family Home: Mortgage Programs: Events & Training: Buying a Home. Have a question about an FHA policy, program, or technology?
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Introduction to Programming in C++: Algorithms, Flowcharts and Pseudocode by Brent Daviduck The following material was developed by Brent Daviduck of the.Algorithms & FLowcharts * *** ***** *******************************. This video covers concepts of basic computer setup, algorithms and flowcharts. Computer Basics, Programming, Languages, Algorithms, Flowcharts. Lab 2 Introduction to Flowcharts and Algorithms Name. Download as DOC, PDF, TXT or read online from Scribd. Flag for inappropriate content. More information Show. Algorithms and flowcharts are two tools a software developer uses when creating new programs. Virtually all useful algorithms perform logical operations. Algorithms and flowcharts. Using our steps in problem solving, a typical programming task can be divided into two phases: 1. Examples of Algorithms. Mcq Questions On Algorithm Or Flowchart PDF. Algorithms Question Answers Objective. Algorithm and Flowcharts Menu. 2.ALGORITHMS, FLOWCHARTS. Examples of Algorithms and Flowcharts Example 1. Algorithms, Flowcharts, Data Types and Pseudo Code. Flowcharts became a popular means for describing computer algorithms. The popularity of flowcharts. PDF format) FlowChart. Designing Algorithms Structured programming In 1966, Bohm and Jacopini demonstrated that any algorithm can be described using only three control structures. Captain Marshall Hanson, USNR (Ret.), Legislative Director, ROAEXECUTIVE SUMMARY Improvements to increase employment supported by ROA and REA follow: Education: Include Title 1. Post 9/1. 1 GI Bill. Exempt earned benefit from GI Bill from being consider income in need based aid calculations. Develop a standard nation- wide payment system for private schools. Re- examine qualification basis for yellow ribbon program, rather than first come first serve. Increase MGIB- Selected Reserve (MGIB- SR) to 4. MGIB- Active. Enact Uniformed Services Employment and Reemployment Rights Act (USERRA) and Service members Civil Relief Act (SCRA) protections for mobilized Guard- Reserve students to adjust interest rates on federal student loans of mobilized Reservists when the market rate drops below 6 percent. Employer Support: Continue to enact tax credits for health care and differential pay expenses for deployed Reserve Component employees. Provide tax credits to offset costs for temporary replacements of deployed Reserve Component employees. Support tax credits to employers who hire service members who supported contingency operations. What is 'Return On Assets - ROA' Return on assets (ROA) is an indicator of how profitable a company is relative to its total assets. ROA gives an idea as to how efficient management is at using its assets to generate earnings. Calculated by dividing a company's annual earnings by its total assets. Advocate for change is powerful: ROA is just such a constituent group. Here are some specifics to back up the claims. Bill after the Student Loan Repayment Program Obligation is satisfied. Health Care: Provide a health care plan regardless of. South-South Development Cooperation: A challenge to the aid system? The Reality of Aid Management Committee Introduction. Group of Seven wealthy nations by 2032, with China becoming the world’s largest economy before 2030.1 In terms of official2. Challenge #3: undermining safeTy, soundness, and ComplianCe is noT an opTion. Program from CUNA Mutual Group. Credit unions of all sizes are faced with a difficult reality: flat, even shrinking, margins and higher operating expenses But. Three Reasons to Choose ROA Level Term Life Insurance Your rates and benefit amount are designed to stay the same for 10 or 20 years.** You'll pay economical group rates. You have the buying power of nearly 66,000 ROA Members to help keep the. Our provider is the US affiliate of the International Assistance Group, the largest network of medical assistance providers world-wide. This collaborative network delivers 60 medical and travel assistance companies with response centers worldwide on 6. Group Benefits Group Annuity Business Insurance Advisors 1 2 3 Group Benefits Important Information. Why Choose Our Group Benefit Solutions 5 Reasons to Offer a Group Benefits Package Advisor Resources Plan Members Claim Forms and Documents. Employee Support: Permit delays or exemptions while mobilized of regularly scheduled mandatory continuing education and licensing /certification/promotion exams. Continue to support a law center dedicated to USERRA/SCRA problems of deployed Active and Reserve service members. Uniformed Services Employment and Reemployment Rights Act (USERRA)/Servicemembers’ Civil Relief Act (SCRA): Improve SCRA to protect deployed members from creditors that willfully violate SCRA. Fix USERRA/SCRA to protect health care coverage of returning service members and family for pre- existing conditions, and continuation of prior group or individual insurance. Enact USERRA protections for employees who require regularly scheduled mandatory continuing education and licensing/certification and make necessary changes to USERRA to strengthen employment and reemployment protections. Exempt Reserve Component members from federal law enforcement retirement application age restrictions when deployment interferes in completing the application to buy back retirement eligibility. Amend SCRA to prohibit courts from modifying previous judgments that change the custody arrangements for a child of a deployed service member. Encourage Federal agencies to abide by USERRA/SCRA standards. Ensure USERRA isn’t superseded by binding arbitrations agreements between employers and Reserve Component members. Make the states employers waive 1. Amendment immunity with respect to USERRA claims, as a condition of receipt of federal assistance. Make the award of attorney fees mandatory rather than discretionary. Veterans Affairs: Extend veterans preference to those Reserve Component members who have completed 2. Permit any member who has served under honorable conditions and has received a DD- 2. INTRODUCTION On behalf of our members, the Reserve Officers and the Reserve Enlisted Associations thank the committee for the opportunity to submit testimony on veteran and National Guard and Reserve employment issues. ROA and REA applaud the ongoing efforts by Congress to address employment problems faced by so many veterans and service members. As contingency operations continue with increased mobilizations and deployments, many of these outstanding citizen soldiers, sailors, airmen, Marines, and Coast Guardsmen have put their civilian careers on hold while they serve their country in harm’s way. More than 2. 75,0. The United States is creating a new generation of combat veterans that come from its Reserve Components (RC). The significance of these numbers cannot go unnoticed or unanswered. ROA and REA would like to thank the committee and staff for making improvements to the Post 9/1. GI Bill, enhancing benefits for caregivers, and much more. EDUCATIONPost 9/1. GI Bill ROA and REA are grateful for passage of the Post- 9/1. Veterans Educational Assistance Improvements Act of 2. Education improves a veteran’s chance for employment, and many returning combat veterans seek a change in the life paths. For example, while Title 3. AGR was included for eligibility while Title 1. Coast Guard Reserve was left out. Other issues that student veterans have raised to ROA in which we recommend include the following: Require timely application and submission of documentation by the institution to the Department of Veterans’ Affairs (VA) and vice versa. Establish dedicated and well- trained officers for student veterans to speak with via the call center. Better define the Yellow Ribbon Program to determine what . By law under the Higher Education Opportunity Act of 1. HEA), FAFSA’s current need analysis formula, while including some sources of untaxed income, excludes veteran’s educational benefits and welfare benefits. On the other hand, CSS require military service members to disclose their earned educational benefits for the formulation of their need- based aid levels. That disclosure of veterans’ educational benefits on the CSS is then often weighed by those institutions that use an IM in the same manner of other traditional untaxed income items such as child support or a contribution from a relative, in the formulation of their aid package. Disclosing these earned- benefits on the CSS profile serves to bring down service members’ financial need level, thus increasing the cost out of pocket, by improperly treating earned benefits as equivalent in nature and function as untaxed income items. Since CSS is not restricted from asking for disclosure of the benefits, institutions use the CSS to add these earned benefits into the aid formulation, shirking FAFSA’s and the HEA’s intentions. ROA and REA urge Congress to bar institutions of higher learning from considering veterans’ educational benefits in need- based aid calculations and apply the Higher Education Opportunity Act to all financial aid practices of institutions of higher learning. While many may gain advantages under the changes in law, others are actually negatively affected. For example ROA has received concerning calls and emails from members that feel forsaken as such members signed commitments based on the benefits which they now feel are reduced. One of the most significant problems that link all issues pertaining to the Post 9/1. GI Bill is the lack of effectively trained customer service representatives. One of the many examples came from two of our members that are married, both serving in a Reserve Component. They wanted to transfer their benefits to their children, but were told that only one parent can register the children in the DEERS system and therefore only one of the parents could transfer the benefits. After going through a couple back channels ROA found out that the couple needed to go to a DEERS office and request an . ROA and REA urge Congress to enforce the VA to properly and effectively train their personnel. Montgomery GI Bill To assist in recruiting efforts for the Marine Corps Reserve and the other uniformed services, ROA and REA urge Congress to reduce the obligation period to qualify for Montgomery “GI” Bill- Selected Reserve (MGIB- SR) (Section 1. Selected Reserve to four years in the Selected Reserve plus four years in the Individual Ready Reserve, thereby remaining a mobilization asset for eight years. Because of funding constraints, no Reserve Component member will be guaranteed a full career without some period in a non- pay status. BRAC realignments are also restructuring the RC force and reducing available paid billets. Whether attached to a volunteer unit or as an individual mobilization augmentee, this status represents periods of drilling without pay. MGIB- SR eligibility should extend for 1. EMPLOYMENTEmployment Protections Veterans and service members are provided protections through the National Committee for Employer Support of the Guard and Reserve (ESGR), the Uniformed Services Employment and Reemployment Rights Act (USERRA), and the Servicemembers' Civil Relief Act (SCRA). Notwithstanding the protections afforded veterans and service members, and antidiscrimination laws it is not unusual for members to lose their jobs due to time spent away while deployed. Sometimes this is by employers who go out of business, but more because it costs employers money, time, and effort to reintroduce the employee to the company. The most recent national example is in the case of Straub vs. Proctor Hospital in which Army Reservist Vincent Straub was fired by Proctor Hospital of Peoria due to his service requirements. The Supreme Court upheld Straub’s rights under USERRA. Employer Incentives Partnerships: The Army Reserve under Lieutenant General Jack Stultz initiated the Employer Partnership Program with civilian employers that is an initiative designed to formalize the relationship between the Reserve and the private sector, sharing common goals of strengthening the community, supporting RC service members and families, and maintaining a strong economy. Over 1,0. 00 companies are currently in various preliminary stages of implementing partnership programs. This sets a model for businesses to hire veterans. The program has its own website http: //www. Periodic and Predictable: Employers need increased notification time in order to better support their personnel. The military services and components should provide greater notice of deployments to RC members, so that they, as well as their families and their employers, can better prepare. Collaboration between industry and the military needs to occur as the military considers deployment cycle models so that the nation’s defense needs are met but its industrial base is not compromised. Employer care plans should be developed that will assist with mitigation strategies for dealing with the civilian workload during the absence of the service member employee and lay out how the employer and employee would remain in contact throughout the deployment. Program Parkir Kendaraan . Isi Data . Cari berdasarkan kode . Cari berdasarkan nama . Tampil data . Keluar . Bahasa C Adalah bahasa sederhana/standart, yang artinya suatu program yang ditulis dengan versi bahasa C Tertentu akan dapat di kompilasi dengan versi bahasa C yang.Program dengan Bahasa C++. Sistem Informasi Parkir Kendaraan dengan Visual Basic 6. Aplikasi pembayaran ini dibuat dengan bahasa c yang terdiri dari variabel, operator, control flow, fungsi. Program Parkir sederhana; Pemrograman bahasa c. Aplikasi pembayaran ini dibuat dengan bahasa c yang terdiri dari variabel, operator, control flow, fungsi, array, struct dan rekursif. Dalam Aplikasi ini user di. Cara membuat aplikasi parkir kendaraan dengan.
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Diocese of Providence, Rhode Island. Welcome from Bishop Tobin; Bishop Tobin; Bishop Evans; Vicar General/Moderator of the Curia; Chancellor; Assistant Moderator of the Curia & Vice Chancellor; Former Bishops. The History of Fort Worth Diocese. Deaneries of Fort Worth Diocese; Statistics of Fort Worth Diocese. The military post, Camp Worth, was established in 1849 on a bluff overlooking the west fork of the Trinity.How to Kill Vocations in Your Diocese. Cardinal Raymond Burke has recently laid some of the blame for the precipitous decline in priestly vocations upon the feminization of the liturgy. His assertion prompts two questions. What would qualify as “feminization”? Have we in fact done that to the liturgy? The question that the assertion should not prompt is, “Would a feminized liturgy actually cause young men to turn away from the idea of the priesthood, in indifference, perplexity, or bemused contempt?” For example, would a sight of two priests twirling a- tippytoe like big- bellied ballerinas at an Easter Vigil service, along with a troop of girls waving scarves and sashes, for six minutes and more, to Aaron Copland’s arrangement of The Lord of the Dance, have any natural appeal whatsoever to the overwhelming majority of boys and young men who know to what sex they belong? Rather, that sight would pretty much guarantee that those fellows would be stifling laughter, or staring at their knees while waiting for it all to stop, or glancing toward the doors. And just imagine if one of the boys had made the dreadful mistake of inviting a non- Catholic friend to the service, or someone wondering why anybody should take religious faith seriously. I sometimes wonder whether we Catholics actually want vocations to the priesthood. It’s reasonable to judge people’s intentions by their habitual actions. If I do something experimental in one of my college classes, and a host of good students flee the course, I might, if I were stubborn, try it again in modified form. But if it still happens that the good students flee, and I persist in what is an experiment no longer, a reasonable observer may conclude that I don’t care if they leave. It won’t matter if I express my supposed intentions all the time, crying out, “This course needs far more students in it, and far more of the best!” Why, I might pray for those students to enroll and to stay enrolled, just as reasonably as I might pray that I could keep banging my head against the wall and not have headaches. In fact, if my actions not only continue to fail me, but begin to hurt many others also, and I still persist, that reasonable observer may attribute to me more than incompetence or indifference. He may conclude that I really want the bad result; I am glad of it. I mean that literally: not one. They have ordained two men in the last ten years, one of whom has left the priesthood to get married. Churches are closing everywhere. The stalwart priest who is our pastor has had to say Mass for five churches scattered over twenty miles. The farther- flung diocese of Lincoln, Nebraska, serving not quite one hundred thousand Catholics, has forty eight seminarians, at least two priests in every parish, no churches being shut down, and plenty of schools. The obvious question is, “Why doesn’t everyone try at least a few of the things they do in Lincoln?” Or, more properly put, “Why doesn’t everyone stop doing nine or ten of the things they never have done in Lincoln?”Professional envy explains some of the resistance. Stubbornness explains some more. Timidity and worldly political commitments might also play a part. But I have begun to wonder whether some of our leaders are animated by a death- wish for a Church in which they no longer really believe. Here, then, from what I have observed in the failing diocese. Fighters want something to fight for. Make sure there is nothing to fight for. Do not preach the full doctrine of the Church. Never speak about the terrible sins of our age. Be more sensitive about offending a couple of the people who still show up for Mass, than about offending God. Cut the sixth commandment out of the ten. While you are at it, cut out the second, the third, and the ninth too. Equate Christian “charity” with rendering to Caesar what is Caesar’s, God’s, your own, your children’s, and your community’s. Assume that everybody who is not named Hitler is going to heaven, because some middling bit of natural pleasantness is enough to please the Almighty. Lower the bar so that even a moral cripple could fall over it, and at the same time make it seem as if the cripple’s feat of acrobatics, rather than the grace of God, will earn him a place in heaven. Never suggest that the faith is a matter of eternal life or death. Turn the Sacrament into snack time. Get rid of any remaining altar rails. Make sure that everybody takes the Sacrament into his hands, like a fortune cookie. Tell the people to stand afterwards. Go as far as you can to prevent people from kneeling during Mass. Make it as difficult as possible for people to receive the sacrament of confession. Treat it as insignificant. If somebody does want the sacrament, roll your eyes and make sure that the penitent knows how much it annoys you. Don’t take the penitent’s sin seriously. In fact, give the penitent the impression that he can go on and commit the same sin with impunity. In this way you will make it likelier that a moose will amble down Main Street than that a sin- burdened soul will seek you out, or that a healthy line of them will be making their way to the confessional. And, while you are at it, make sure there are no confessionals. Turn them into closets for brooms, mops, and bleach. Strip the altars. Are there paintings in your church? Cover them with whitewash, or take them down. Is there an old high altar in the back of the sanctuary? Chop it up and use it for fuel. Better still, tear down two or three old churches and build a new one in the shape of a gymnasium. If you place the stations of the Cross on the side walls, make them so small and ambiguous that no one can tell what they are from more than ten feet away. Put the priest’s chair in the center, at the back wall. Get rid of any trace of genuine folk art, or of the great artistic heritage of the Church. Wet sloppy twaddle. Shut down your schools. Give them away to the government to manage, as they have done in Canada. Hire secularists to teach there, or, better, Catholics who hate the Church. If you have an all- male high school, turn it into a co- ed school. If you have a boys’ basketball program, and you don’t have the money for a girls’ basketball program, shut it down. Put RCIA into the hands of laymen of dubious learning and piety. Do the same for religion classes in school. Try to make sure that your classes in history or English will be just like those taught anywhere else. Make Catholic education into public education with holy water. Get rid of every single hymn that has anything to do with Christian soldiership. Castrate the rest of the hymns. Or, better, favor hymns that make Jesus into a kind of safe sweet Boyfriend, with whom you can make out on the couch now and in heaven later. Let the music be led by women, especially women who like to be seen and heard performing it. Put the hand- raising cantor up front, to upstage the priest and Christ. Let girls do silly dance routines up and down the aisles. If you can, have five or six girls do that, in the company of one boy whose mother has obviously compelled his attendance, and who stands there gritting his teeth and fuming. Favor any musical instrument except the organ. Let the piano player tickle the keys like a hired performer at a bar, so that the communicants can, as they return to their pews, slip a fiver into the hat, right next to the long- stemmed champagne glass. Use as many altar girls as possible. Discourage the boys from joining. Give them nothing important to do. Use as many women lectors as possible. In fact, once Mass has become too bland for girls themselves, use the old ladies as acolytes, busying about the altar as if they were laying out the tablecloth and silverware for a party. Never suggest that the Church needs men for anything. Make “man” into an obscenity. Never suggest that fathers and mothers play complementary roles in the family. Never suggest that Jesus had something important in mind when He chose twelve men as his brothers. Suggest instead that to be a genuine Christian, a man has to stop being a man. Buy the silly feminist notion that Christian women have been “oppressed” for nearly two thousand years. Then pray for vocations, after you have done your level best to make sure that you will never have any. 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Body offers a number of workout programs, such as the Insanity, the Power 9. Brazil Butt Lift. Power 9. 0 is the basic program for those with fitness experience, followed by P9. X. The name means Power 9. Extreme, and it’s a harder version of the 9. Note: For those who have done P9. X, there is now a P9. X2 and P9. 0X3.)The Mind Behind P9. X: Tony Horton. Tony Horton is probably one of the best- known male celebrity fitness trainers in the country. The P90X program contains 12 hardcore, fat burning. Order today and receive Tony’s Ab Ripper X workout and the complete P90X Nutrition Plan absolutely free. The most popular P90X series is the Ab Ripper X. P90X Ab Ripper X Overview: Every Exercise . P90X, or Power 90 Extreme, is a commercial home exercise regimen created by Tony Horton. Developed as a successor to the program called 'Power 90', it is designed to. Part of the P90x series, the Ab Ripper X workout takes you. It's an area of the hugely popular and successful P90X exercise program. Ab Ripper X focuses primarily on a person's ab. He has written books, produced a number of fitness programs, and gives fitness lectures, seminars, and motivational training courses around the country. According to his website: Tony Horton“His expertise includes post- rehabilitation training, advanced stretching, yoga, weight/resistance training, cardiovascular/aerobic training, boxing and kickboxing, plus circuit, cross and interval training.”“Tony has been featured in numerous national publications like Men’s Fitness, Fitness, SELF, Women’s Health, People, LA HEALTH, ESPN, Washington Post, Washington Examiner, Politico, LA Times, Roll Call, Military Times and has made multiple appearances on National Television, including CNN, ABC, A& E, NBC, CBS, FOX and TV Guide Network.”“His training techniques have produced amazing results for TV celebrities such as Without a Trace’s Poppy Montgomery and Roselyn Sanchez, Brothers and Sisters star Rob Lowe, James Bond star Sean Connery and legendary film star Shirley Mac. Laine. Music celebrities such as Bruce Springsteen, Usher, Tom Petty, Billy Idol, Annie Lennox and Sheryl Crow credit Tony for their mean touring machines.”Quite the resume here! He definitely has the bona fides to make a great fitness program, so let’s take a look at the P9. X program review below! A Look at P9. 0XRight off the bat, be warned: P9. X is not for beginners! The workout program is QUITE intense, and you’ll find yourself sweating hard even while doing the stretching workout video. For those totally new to the world of fitness, the P9. X program isn’t the best choice. However, for those who are ready to push themselves hard and who have some experience lifting weights, running, and training, the P9. X program is an excellent one. Most of the P9. 0X reviews you read will give you basic information on the program and the trainer, but in this review we’re going to take a much closer look at the individual workouts and the way they’re laid out on the calendar. The P9. 0X Workout Videos. What makes the P9. X program so effective is the fact that each workout is performed by the people on the video screen. Each video comes with its complete workout, including: 5 to 1. This is very important to start with, as you’re going to be pushing yourself HARD throughout the next phase. You do a lot of different exercises, many of which focus on your cardio while pushing your muscles at the same time. Be prepared to sweat! At the end of your workout, you’re going to feel amazing just relaxing and cooling down. You’ll be soaked in sweat, and you’ll love every minute of it! The P9. 0X program is comprised of 1. Chest and Back — As the name of the video suggests, the focus is placed on your chest and back. You do A LOT of pull- ups and push- ups, but many variations on each exercise. Chest, Shoulders, and Triceps — With this workout, you’re focusing on your shoulders and triceps as well as your chest. You do a lot more isolation exercises to give those triceps a workout, and many of the exercises hit both chest and shoulders. Plyometrics — This workout is all about combining upper body and lower body movements in the same exercise, and you’ll find yourself breathing hard while doing exercises like Burpees, Lunge- Curl- Presses, and more. Shoulders and Arms — This workout focuses on building strong shoulder muscles, but works out both biceps and triceps at the same time. It’s a more well- rounded shoulders and arm workout. Back and Biceps — Most of the exercises done in this video involve “pulling” movements, so your biceps are hit hard as you work out your back as well. This workout will give you nicely sculpted arms. Yoga X — You may think this will be an easier video, but it’s probably the most challenging of all. Not only do you do classic standing Yoga poses, but you do seated poses, stretching poses, and twisting poses. Plus, you finish it with an intense ab workout. Legs and Back — Working out upper and lower body in the same exercise video is a good way to balance out the effort. Your legs will be complaining loudly once you’re done, but it’s amazing for building strong leg muscles. Kenpo X — For a fun, Tae. Bo- style cardio workout, this is the one for you. You do lots of jumping, punching, and kicking, all while breathing hard and moving around. The hour will fly by before you know it! X Stretch — This is the workout you do on your day off, but it’s no cakewalk. You do some pretty intense stretching, and you’ll be sweating even at the end of this “relaxing” workout. Ab Ripper X — Want to shred those abs and build some serious strength? With this abs workout video, your core will be complaining in no time. You build back, abs, and oblique muscles, increasing your core strength dramatically. Core Synergistics — This one is designed to focus on your core, but it uses muscle- building exercises that focus on both upper and lower body movements. Where Plyometrics is all about cardio building, this is about muscle and core- building. Cardio X — This cardio workout is usually only done by those who are doing P9. X doubles, a workout program that involves both a cardio workout and the regular P9. X video on the same day. As you can see, P9. X is not for the faint of heart! However, when you compare your before and after pictures, you’ll realize just how much progress you’ve made. Workout Schedule. If you check out the workout calendar, you’ll find that the workouts are divided into a number of weeks: Weeks 1 to 3. These three weeks give you the intro to the hardcore course, focusing on improving your cardio while building muscle at the same time as well. As you can see by the layout of the workout schedule, you work out your abs and core three days a week. Day 1: Chest and Back, Ab Ripper XDay 2: Plyometrics. Day 3: Shoulders and Arms, Ab Ripper XDay 4: Yoga XDay 5: Legs and Back, Ab Ripper XDay 6: Kenpo XDay 7: X Stretch, or a day off. By the end of Week 3, you’ll be looking forward to the slightly easier Week 4. Week 4. The focus on Week 4 is on your core, giving the rest of your body a chance to recover from the highly intense previous weeks. You also improve your cardio, and the workouts tend to be much easier on your body. Day 1: Yoga XDay 2: Core Synergistics. Day 3: Kenpo XDay 4: X Stretch. Day 5: Core Synergistics. Day 6: Yoga XDay 7: X Stretch, or a day off. When recovery week ends, it’s back to pushing your body! Weeks 5 to 7. In these three weeks, you focus on building muscle again, but with all different exercises from the previous workout videos. You change up the muscle groups you work, which means your body won’t adapt to doing the same exercises over and over. Day 1: Chest, Shoulders, and Arms, Ab Ripper XDay 2: Plyometrics. Day 3: Back and Biceps, Ab Ripper XDay 4: Yoga XDay 5: Legs and Back, Ab Ripper XDay 6: Kenpo XDay 7: X Stretch, or a day off. You’ll be feeling it by the end of Week 7, and you’ll feel so glad when you slip into recovery mode in Week 8! Week 8. This week is exactly like Week 4, and you follow the same workout schedule: Day 1: Yoga XDay 2: Core Synergistics. Day 3: Kenpo XDay 4: X Stretch. Day 5: Core Synergistics. Day 6: Yoga XDay 7: X Stretch, or a day off. Now, things are going to get a bit complicated! The P9. 0X program is designed to get results, and anyone who has gone through the program will write reviews saying just how effective it is! P9. 0X vs. Insanity. If you’ve read our Insanity review, you’ve seen just how hard the program can be. The good news is that the P9. X program isn’t quite as difficult or intense as the Insanity workout. In fact, Insanity was designed AFTER P9. X, and it was meant as the “next step” in your Beach Body fitness journey. P9. 0X2 and P9. 0X3. Thanks to the popularity of the P9. X program, P9. 0X2 and P9. X3 were created. Both of the follow- up programs increase in difficulty, but the purpose of both workouts is the same: to get you shredded and ripped in no time! If you have already finished the P9. X program, it’s worth considering doing the next one. If not, it’s always best to do the P9. X first. You may need to do it a couple of times to get accustomed to the INTENSE workout style, but it’s worth it. P9. 0X Diet and Meal Plan. Included in the P9. X package is a diet plan for those who are trying to lose weight with the P9. X program. It’s a pretty simple plan, nowhere near as complete as many of the other diet programs we’ve reviewed here. However, considering that P9. X is a program designed to help you lose weight by doing exercise, the diet side of things isn’t as important as the supremely intense workouts. What We Think of P9. XAs someone who has gone through the P9. X program, I can attest to the fact that it works. I lost a lot of weight, improved my stamina and endurance, and even cleared up my back pain thanks to the Yoga X and X Stretch videos. |