Tag Archives: rate

Heart rate chart: What should YOUR exercising heart rate be? Key levels per age group

Often we don’t think about our hearts beating away in our chests, as it does so quietly and typically without cause for concern. However checking your heart rate can often give indications for a range of illnesses, the general health of your body and even your fitness levels. So what should YOUR exercising heart rate be?

Having a healthy heart means the right amount of blood is making its way around your body to support anything you are doing.

This means when you exercise your heart rate increases, in order to supply your muscles with the blood they need.

You can measure your heart rate a number of ways, with the typical way being to hold two fingers on your wrist.

Smartwatches can also measure heart rate, helping you to monitor your resting and active heart rate.

Read More: High blood pressure: The warm beverage that can raise your reading

For adults, this is different, with the normal resting heart rate range being between 60 and 100 bpm.

If you have a resting heart rate that lies outside of the normal resting heart rate range – you can sometimes experience symptoms like shortness of breath, dizziness and fatigue.

If you are concerned about your heart rate and experience any symptoms, book an appointment with your GP.

However, the resting heart rate range comes with caveats, as having a heart rate lower than 60 doesn’t necessarily mean you have a medical problem.

What should your exercising heart rate be?

When exercising, there are limits for where your heart rate should fall depending on exertion levels and these are

Age 20

  • 50 to 85 percent exertion – 100 to 170bpm
  • 100 percent exertion – 200bpm

Age 30

  • 50 to 85 percent exertion – 95 to 162bpm
  • 100 percent exertion – 190bpm

Age 35

  • 50 to 85 percent exertion – 93 to 157bpm
  • 100 percent exertion – 185bpm

Age 40

  • 50 to 85 percent exertion – 90 to 153bpm
  • 100 percent exertion – 180bpm

Devices like smartwatches can measure your exercising heart rate, and to ensure your heart keeps healthy the NHS recommends 10 things you can do day to day.

1. Give up smoking

2. Get active

3. Manage your weight

4. Eat more fibre

5. Cut down on saturated fat

6. Get your five a day

7. Cut down on salt

8. Eat fish

9. Drink less alcohol

10. Read the food label – watch how calories and certain foods fit in with your diet

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This post originally appeared on Daily Express :: Health Feed
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HSBC urges Britons to ‘switch on summer’ with £125 offer and 1% interest rate

HSBC is used by millions of people right across the country, but of course there are individuals who opt for other providers. In what appears to be an effort to entice new savers to the bank, HSBC is offering an incentive for switching. A new HSBC current account switching offer is being provided which has come into effect in recent days.

It offers £125 to new customers when they choose to switch to an HSBC Advance or Premier Bank Account.

They must, however, use the official Current Account Switching Service – which is actually designed to make switching easier for Britons.

While the switching offer is enticing in and of itself, there are also other benefits to changing to HSBC.

Particularly of note is the savings account which currently offers a one percent interest rate to savers.

READ MORE: Savings: Britons urged to give cash a ‘boost’ as many ‘lose money’

Furthermore, HSBC customers may also benefit from additional savings on shopping through this promotion.

The bank’s Home and Away offers site has a number of different choices including discounted cinema and theatre tickets as well as offers from Costa Coffee and ASOS to name a few.

To be eligible, customers must not currently be an HSBC current account holder on the date of application, and have not been on or after January 1, 2018.

The offer is also not available to customers who have opened a first direct account since January 1, 2018.

Customers must use the Current Account Switch Service using a complete a full switch within 30 days of the account opening.

They are required to set up a minimum of two direct debits or standing orders within this time frame, also.

For an HSBC UK Advance Account, Britons must pay in at least £1,750 a month into the account each month, or a minimum of £10,500 every six months.

This does not include money which is transferred from any other sole or joint personal accounts held with HSBC.

Fiona Anderson, HSBC UK’s Head of Everyday Banking, commented on the new offer.

She said: “With lockdown and social distancing restrictions easing, the country is starting to switch back on. 

“People have more opportunity to switch from back gardens to pub gardens, switch from FaceTime to face-to-face time.

“Instead of staying local, people can switch to enjoying more of the country and some of the wonderful experiences it has to offer.

“Our current account offer will provide switchers to our Advance and Premier current accounts with £125 cash to help them move on from what has been a challenging year and a half and to celebrate as summer finally arrives.”

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This post originally appeared on Daily Express :: Finance Feed

'Hidden tax!' – how to 'minimise exposure' as UK inflation rate surges

The latest figures, released on Wednesday, revealed the rate of inflation has surpassed the Bank of England’s target of two percent. It comes as investors have been watching the rising rate of inflation closely for several months now.

The news was further bad news for savers, amid a low interest rate environment and the rate of inflation more than doubling in April 2021 – when it increased by 0.7 percent to 1.5 percent.

But what does the rate of inflation mean for other aspects of personal finance – such as investments?

The impact of rising prices upon households’ investments is something Tom Stevenson, investment director for Personal Investing at Fidelity International, has explored this week.

He has also suggested a number of steps people can take to protect their personal finances.

READ MORE: State pension payments can be increased – are you among 1 in 4 over 65s unaware of option?

“How can you protect your portfolio from the ravages of inflation? Rising prices are a kind of hidden tax,” Mr Stevenson said.

“And, as with any tax, there are things you can do to minimise your exposure.

“Some assets are more vulnerable to inflation than others.

“Principally, anything which pays a fixed income and/or offers a fixed capital return.

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“Bonds are the obvious case in point here.

“Bonds, which pay a fixed income (or coupon as it is sometimes called), become less valuable to an investor as interest rates rise.

“That is reflected in a rising yield and a falling price. Bond investors hate inflation.”

So, what about the impact of inflation on shares?

“Shares are traditionally a much better home for your money in a modestly inflationary environment,” he said.

“That’s particularly true if, as now, inflation is the consequence of rising demand rather than a supply shock such as the oil price hikes in the 1970s.

“Companies can pay a higher dividend if their profits rise which provides some protection to investors.

“They can also raise their prices if demand allows, securing the profits out of which they pay their dividend.

“Only when inflation rises to historically high levels can it also cause a problem for investors in shares.”

Mr Stevenson suggested there are various forms of action to take.

“Review your portfolio to make sure it’s well-diversified across a range of assets.

“As well as bonds and shares, a well-diversified portfolio will hold other assets, some of which also have a good track record of hedging against moderate levels of inflation.

“These include infrastructure (where income streams can sometimes have an explicit inflation link), real estate (where rents can rise in a strong economy) and commodities, including gold.”

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This post originally appeared on Daily Express :: Finance Feed

Pound to euro exchange rate: Sterling 'treading water' as value gradually decreases

The pound had an “extremely sluggish” start to the week, according to one expert, and it has not moved much since. Sterling has been steadily decreasing against the euro over the past few days. What does this mean for your travel money?

Yesterday saw the pound trade at a similar rate to today, with Mr Brown saying the week had got off to “an extremely sluggish start”.

He added: “There is, sadly, little on the docket that suggests today will be any different, with this morning’s UK labour market data likely to be ignored, and GBPEUR happy to do little more than tread water around €1.16.”

After the prime minister’s announcement on Monday, some currency experts noted that the Government’s decision to delay the lifting of lockdown rules could negatively impact the pound to euro exchange rate.

George Vessey, UK currency strategist at Western Business Solutions, shared his insight with Express.co.uk at the start of the week.

So, what does all this mean for your travel money?

With the news that the easing of lockdown has been delayed by four weeks, Britons are again faced with uncertainties surrounding international travel this summer.

Ian Strafford-Taylor, CEO of travel money specialist FairFX advised last week: “Britons hoping for an overseas break should keep an eye on any announcements and watch the pound closely to make sure they’re getting more bang for their buck by securing the best rates available for their travel money.”

Mr Stafford-Taylor commented again after the Government’s announcement yesterday, saying the confirmation of a delay to the easing of lockdown rules “didn’t come as a shock to many”.

He added: “It seems the pound is weathering the storm too, with almost no movement against the euro compared to this time yesterday.

“Brits are yet to see how this delay to restrictions at home will affect their chances of an overseas summer holiday.

“However fresh speculation that foreign travel is unlikely to reopen to popular European destinations before August won’t do much to ease people’s minds.

“This comes as major airlines including British Airways, Virgin Atlantic and easyJet have started cancelling flights set to take off before July 19.”

Mr Stafford-Taylor added: “Although it’s yet to be confirmed, this news will be a big blow for holidaymakers who have their hopes pinned on a summer break after so many months in lockdown.”

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This post originally appeared on Daily Express :: Travel Feed

Pound to euro exchange rate: ‘Extremely sluggish’ start to the week – travel money advice

The pound to euro has been trading in a tight range in recent weeks. With Boris Johnson announcing yesterday that the final stage of lockdown will be pushed back by a month, should you swap your travel money now?

He said: “Markets were, yet again, moribund yesterday, with the week getting off to an extremely sluggish start. 

“There is, sadly, little on the docket that suggests today will be any different, with this morning’s UK labour market data likely to be ignored, and GBPEUR happy to do little more than tread water around €1.16.”

Yesterday was similar news when the pound continued to trade around the same mark.

At the time, Michael explained: “Sterling-euro continues to trade in a tight range just north of the €1.16 handle, with the market continuing to lack impetus to make a decisive move in either direction – broadly mirroring the broader G10 market, in fact.

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“With a quiet data docket in store today, the market is likely to do little more than mark time once more.”

George Vessey, UK Currency Strategist, Western Union Business Solutions, also explained that the delay to the full lifting of restrictions is a drag on the pound’s value.

He explained yesterday: “On the data front this week, jobs numbers are due out first thing Tuesday morning, and should show more signs of improvement.

“Inflation data drops in on Wednesday morning and retail sales wraps up the week on Friday morning.

“Against the euro, sterling has risen for five weeks on the bounce and lingers just under the €1.17 handle. Strong UK data this week could be enough to trigger a breakout north of this current resistance level.”

At the end of last week, the euro suffered a wave of “selling pressure” as traders “digested the dovish European Central Bank (ECB) meeting and favoured the cheap US dollar ahead of the Fed’s meeting”.

The expert added: “Amidst a lack of top-tier European data this week, investors will be focusing on the Fed’s rhetoric and how it compares to the ECB last week.

“The expectation is most major central banks will remain on hold from tightening monetary policy despite inflation worries, but a shift in policy stance could soon upend the calmness of financial markets at present.”

What does this mean for travel money?

With the current news that Boris Johnson is pushing back the date for lifting restrictions due to the rapid spread of the Delta variant, holidaymakers are once again faced with uncertainty about travel.

James Lynn, CEO and co-founder of Currensea explained that those heading on holiday should only swap their money once they are certain that plans are going ahead.

Ian Strafford-Taylor, CEO at travel money specialist FairFX said: “Yesterday’s confirmation of a delay to the so-called ‘Freedom Day’ didn’t come as a shock to many, and it seems the pound is weathering the storm too, with almost no movement against the euro compared to this time yesterday.

“Brits are yet to see how this delay to restrictions at home will affect their chances of an overseas summer holiday. However fresh speculation that foreign travel is unlikely to reopen to popular European destinations before August won’t do much to ease people’s minds. This comes as major airlines including British Airways, Virgin Atlantic and easyJet have started cancelling flights set to take off before July 19.

“Although it’s yet to be confirmed, this news will be a big blow for holidaymakers who have their hopes pinned on a summer break after so many months in lockdown.”

Author:
This post originally appeared on Daily Express :: Travel Feed

Pound to euro exchange rate trading in ‘tight range’ but market lacking ‘impetus’

The pound to euro has been trading in a tight range in recent weeks. Today, with Boris Johnson to unveil his plans on whether or not to ease further restrictions on June 21, the exchange rate continues to trade in a tight range, according to experts.

“Indeed, Chancellor of the Exchequer Rishi Sunak is willing to accept a delay of up to four weeks to the final stage of England’s reopening roadmap.

“Sunak has in the past been regarded as more keen to lift lockdown constraints than some cabinet colleagues.

“However, that position has since been clarified, that he was more concerned that when restrictions are lifted, the move can be permanent.”

Plans out of lockdown will be announced by the Prime Minister today.

What does this mean for travel money?

For those looking to jet off on holiday to green list countries, there remains uncertainty about international travel.

It comes after Portugal was added to the amber list after first being added to the green list. 

Ian Stafford-Taylor, CEO of travel money specialist FairFX said: “Britons hoping for an overseas break should keep an eye on any announcements and watch the pound closely to make sure they’re getting more bang for their buck by securing the best rates available for their travel money.”

This is most likely to be last minute for many with travel plans changing constantly. 

James Lynn, CEO and co-founder of Currensea also explained that Britons should only swap their foreign currency once they are certain their travel plans are going ahead. 

Post Office Travel is currently offering a rate of €1.1229 on orders over £400.

If customers place an order of more than £500, they can get a rate of €1.1393 at the time of writing.

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This post originally appeared on Daily Express :: Travel Feed

Pound euro exchange rate: Post-Brexit 'tensions' threaten 'UK trade' – GBP falls

The pound was enjoying a steak of growth against the euro just one month ago amid the positive vaccine rollout, however, since then it has plummeted as Brexit rears its head once again. Rising tensions between the UK and European Union (EU) could “threaten” UK trade, according to one expert.

The trade conversations come ahead of this weekends G7 summit in Cornwall.

Mr Vessey said: “The British pound eventually gave up ground on Wednesday following an increase in tensions regarding post-Brexit UK-EU trade.

“Despite the calmness of currency markets of late, sterling volatility crept higher as a result, and GBP/EUR fell under the €1.16 mark on Thursday morning.”

He continued: “The pound has been overlooking the UK-EU tensions of late, but the recent standoff about the Northern Ireland (NI) protocol ahead of the key G7 summit this week triggered a wave of sterling selling – dragging GBP pairs lower.

“The EU is considering advancing its legal challenge as a result of the UK Government’s unilateral extension of a grace period for goods moving into NI from Britain.

“This could result in tariffs and quotas being imposed, which would harm UK trade and probably cause headwinds for the pound.

“Eyes are on US President Joe Biden in case he weighs in and suggests a UK-US trade deal could be compromised, which would likely weaken the pound further.

“GBP/EUR is on track for its first weekly decline in five weeks after failing to reclaim the €1.17 handle over the past two months.

“The upside traction looks to be tiring, but short-term support lies at the 50- and 100-day moving averages before €1.15.”

For those looking to jet off on holiday in the coming weeks and months, there remains an air of uncertainty.

Whether or not countries will be added to the green list at the next review has not yet been clarified.

Ian Strafford-Taylor, CEO of travel money specialist FairFX advised: “Britons hoping for an overseas break should keep an eye on any announcements and watch the pound closely to make sure they’re getting more bang for their buck by securing the best rates available for their travel money.”

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This post originally appeared on Daily Express :: Travel Feed