Crank out a seemingly endless stream of these. To add to challenge of this incredible move, now start swinging your shoulders from left to right. Don't worry about trying to bring opposite shoulder to opposing knee. It appears not to matter.

After a few of these your face should be beet red and you should feel like you've strained your neck and not your abs.

Obviously I am being funny and sarcastic to make a point, but this is what a guy was actually doing as his version of a simple stability ball abdominal crunch.

Instead of attempting to keep his back centered on ball and resting his head in his hands, and letting his abs do work, he was finding every way possible to avoid it.

Moral of story, form is key. If you don't know correct way to perform an exercise then get help of a qualified personal trainer or conditioning specialist.

Rick DeToma is a fitness coach, and trainer who specializes in home workouts. Contact Rick for a no obligation telephone fitness assessment at:

www.tailored-fitness-home-workouts.com/contact.html

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4. Consider Making a Higher Down Payment Making a higher down payment on a home will reduce your mortgage, but there are definite pros and cons, according to Dr. Nothaft.

”The pro of putting down more money is that you can often obtain lower-cost financing,” he says. “High down-payment loans—that is, low loan-to-value ratio—represent less default risk to a lender, and are safer. That may translate into a lower interest rate or obviate need for mortgage loan insurance.

“The con,” he continues, “is that it may result in borrower having to delay a home purchase, because borrower does not have enough liquid assets to make a larger down payment. Low down-payment loans are especially important for first-time home buyers, who typically do not have financial wherewithal to make a large down payment.”

5. Select Your Lender Carefully As in any industry, there are “bad apples” who ruin reputations of respectable professionals. In mortgage business, these folks are known as “predatory lenders”—individuals who take advantage of vulnerable consumers. Those most prone to becoming victims include ill-informed, elderly, women, minorities, low-income buyers and consumers with bad credit.

To avoid becoming “prey,” select a lender with solid credentials. You can secure a referral from your bank or credit union, real estate agent, government housing agency, or friends and relatives who have successfully purchased homes.

Never trust a mortgage offer that arrives via email, as it likely originated from a spammer.

---- Mortgage Relief specializes in assisting Australian families with mortgages by making their monthly repayments more manageable and decreasing their overall debt and total interest paid over life of their mortgage. Mortgage Relief is a mortgage refinance provider that it part of Australia’s largest Debt Relief™ organization. Visit Mortgage Relief on web at http://www.mortgagerelief.com.au or contact them directly on 1300 789 014.