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The Fallbrook Village News | www.VillageNews.com
February16, 2017
BUSINESS Club Paradise Fitness – keeping Fallbrook fit since 1993 Tom Ferrall Staff Writer
Club Paradise Fitness has been part of the Fallbrook community since 1993 and owner Brian Hanson, who purchased the gym in 2000, couldn’t be prouder of that fact. “ We h a v e b e e n k e e p i n g Fallbrook fit for more than 23 years,” said Hanson of the familyfriendly gym located at 1371 South Mission Road. “We try to make it fun. We want you to engage with your friends here.” Tim Marks, manager of Club Paradise Fitness, said the gym’s longevity is a testament to the fine customer service it provides its members. “We’re a staffed gym, meaning that at any time of day, you can walk in and get the personal attention that you need,” said Marks. “Whether it’s a personal trainer or front desk staff, there will be someone here to greet you.” The gym’s hours are as follows: 4:30 a.m. to 11 p.m. Monday through Thursday; 4:30 a.m. to 10 p.m. Friday; and 7 a.m. to 7 p.m. Saturday and Sunday. Club Paradise Fitness offers all the staples of a top gym – free weights, weight and strength machines, treadmills, stationary bikes, stair climbers, chin up bars, medicine balls, kettlebells, heavy bag, speed bag, and jump ropes – as well as an outdoor area for some crossing training where one can workout by flipping a
giant tractor tire or swinging a sledgehammer. “I always try to have a variety of equipment,” said Hanson. “We have four different kinds of treadmills and four different kinds of ellipticals. We want to give you a variety of stuff to do.” There are a lot of seniors living in Fallbrook and Club Paradise Fitness honors a special membership offered through insurance companies called SilverSneakers®, a premier fitness program provided at no cost by more than 60 health plans nationwide. “We have workout programs specifically-designed for seniors every Tuesday and Thursday,” said Hanson. “In addition to those classes, SilverSneakers can come in and use the gym anytime they want.” Marks said Club Paradise Fitness prides itself on catering to the community it serves. “We’ve added programs based on the wants and needs of the people here,” said Marks. “We’ve had some tremendous success stories of people meeting their fitness goals, whether that was to put on weight and gain muscle, or losing a great deal of weight. We’ve helped people to reach those goals, and we’re happy to be a part of that for those individuals.” Marks added that Club Paradise Fitness offers popular classes such as pilates stretch and zumba at no extra cost to its members.
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Club Paradise Fitness is located at 1371 South Mission Road in Fallbrook. “We offer a great deal of programs that people will go out of town to specific studios and pay a great deal of money for,” said Marks. “We actually offer that as part of the membership.” Club Paradise Fitness offers a full slate of classes Monday through Friday. As an example, here is the Thursday schedule, as posted on the gym’s website: Step ‘N Sculpt, 8:15 a.m., instructor: Laura; Stretch/Flow Fitness, 9:30 a.m. instructor: Sandra; SilverSneakers® Circuit, 10:45 a.m., instructor: Carolyn; SilverSneakers® Classic, 11:45 a.m., instructor: Carolyn; SilverSneakers® Circuit, 12:45 p.m., instructor: Carolyn; Zumba®, 4 p.m., instructor: Perla; Body Blast, 5:15 p.m., instructor: Kellen; and Step ‘N Sculpt, 6:30 p.m., instructor: Sue. Marks said the club has had success in helping people lose fat
pounds and weight overall. “Weight loss is just starting weight, end weight – it doesn’t differentiate between muscle mass, water weight, or fat,” explained Marks. “As opposed to a fat loss, when we’re actually trying to help you with the nutrition side of things and focusing on losing only, or targeting primarily, the fat pounds. “And we have a very advanced scale that actually measures that information and we’re able to kind of break it down and see the numbers, so people can actually see their progress week by week,” continued Marks. “We’ve had people that have been really successful losing a lot of fat pounds and weight as well, depending on whatever their goal was at the time.” Club Paradise Fitness promotes camaraderie among its members and likes to promote the success
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stories of its clients inside the gym. For example, the first name of the person who lost the most weight during a specific period of time will be posted on the announcements board for others to see while they’re working out. The winner may also receive a prize, such as a Fitbit. “When people see someone else meeting their goals, it motivates them,” said Marks. “When they see that someone lost 10, 15 or 20 pounds, they are motivated and they want to work harder themselves.” Certified personal trainers, for a fee, are also available at Club Paradise Fitness, which also offers small group training with a certified trainer for a reduced price. For more information about Club Paradise Fitness, call (760) 731-0133 or visit www.clubparadisefitness.com.
Refinancing your debt could be a good idea Nathaniel Sillin Special to the Village News
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following situations. Interest rates dropped. Some loans’ interest rates depend on a benchmark interest rate, such as the London Interbank Offered Rate (LIBOR). Even if your financial profile stays the same, when the benchmark rate rises or falls, your interest rate on a new loan could rise or fall as well. You want to change the terms of your loan. Because you’re taking out a new loan to pay off existing debt, you might have the opportunity to change the terms of the loan. For example, you could have a variable-rate student loan whose interest rate rises or falls with a benchmark. You might be able to refinance with a fixed-rate student loan and have certainty that your monthly payments won’t change in the future. If you have a lower interest rate after refinancing and have the same amount, or less, time to repay the loan, you can save money over the lifetime of the loan. You want to lower your monthly payments. Say you have a 30-year mortgage that you’ve been paying off for five years. If you refinance with another 30-year mortgage, you have an extra five years to
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pay off approximately the same amount of money. As a result, your monthly payments could be lower, but be sure to take into consideration the fact that you will likely wind up paying more in interest. Your loan has a cosigner. Perhaps you asked someone to cosign your auto loan to improve your chances of getting approved or getting a lower interest rate. If you’re eligible for refinancing on your own, you might be able to release your cosigner and take full responsibility for the new loan. Proceed carefully because applying for refinancing could hurt your credit. Applying for refinancing often results in a hard inquiry, when a potential lender reviews your credit. Generally, a single hard inquiry won’t have a large negative impact on credit, but multiple hard inquiries might. When you’re refinancing a mortgage, auto loan or student loans you can still shop around and try to find the best rate without worrying about your credit too much. As long as the hard inquiries happen within a 14- to 45-day period (depending on the creditscoring model) the credit-scoring model will consider them a single inquiry. Consider the fees and find your break-even point before refinancing. Depending on the type of debt and the lender, there could be costs associated with refinancing debt. For example, some loans have an origination fee, either a flat fee or a percentage of the loan amount, which could be significant. The break-even point is how long it’ll take you to recoup the costs associated with refinancing. For example, it could cost you $3,000 to refinance your mortgage, but you’ll save $150 each month. You’ll break even after 20 months because that’s when you’ll have saved $3,000 in monthly payments. If you plan on selling the home before the break-even point, it likely doesn’t make sense to refinance. Use the same sort of calculations to weigh the pros and cons of refinancing other types of debts. When it looks like refinancing could be beneficial, shop around to try and find the terms that best fit your needs. Nathaniel Sillin directs Visa’s financial education programs.
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