What is a BMI Calculator?

There is a good percentage of the population that is very unfamiliar with what a Bass Mass Index (BMI) is. They don’t realize how important this index is to their overall health. The BMI index is what doctors use to determine a persons body fat or health percentile ranking. By using a BMI calculator they can measure a person overall body weight and fat density.

The process doesn’t measure the body fat directly, however the measurement does correlate with a direct measure of body fat. Using a BMI measurement is considered very inexpensive and easy compared to the alternative of paying a company to perform a direct body fat test.

The BMI index uses a person weight and height to determine their overall health percentile ranking. The ranking is age and sex-specific, and not just a genetic reading. After combining a person age and weight, the BMI calculator assigns a number to different categories. The categories are than ranked by levels such as; underweight, healthy weight, overweight and obese. The BMI calculator is not a diagnostic tool, but a gage on a person’s morbidity and/or mortality risk. A doctor will be able to gage if a person weight poses a health risk.

Patients who are classified under the underweight ranking have just as much of a possibility of developing health issues as those who fall under the overweight and obese categories. It just more common to see an overweight patient with health programs than an underweight.

The BMI index was created between 1830 and 1850 by the Belgian polymath Adolphe Quetelet. They were in the process of developing “social physics” when they realized what they had developed was a way to calculate body mass. At the time of development a BMI calculator wasn’t considered to be of much use. During that time your body mass wasn’t link to the number of diseases it is today. Today we understand that obesity can be linked to heart, liver and many bring upon the onset of other diseases such as Diabetes. You BMI can also effect whether or not you qualify for health and/or life insurance. From a health practitioner’s point of view, your BMI is something you want to work with your doctor to keep under control.

Why BMI Calculation and Interpretation is Important

Body mass index, or BMI, is used as the standard of measuring a person’s risk for developing health problems. Based on given results, a person may need further health screenings to check for potentially life-threatening conditions. When calculating BMI, a person’s height and weight are tracked on a universally-accepted, graph chart. This leads to a classification ranging from starvation to morbidly obese. While height and weight are analyzed, body mass index does not disclose a person’s actual percentage of body fat. The goal of using a BMI calculation chart is to give a physician an idea of someone’s body mass index classification score and if necessary, to screen for possible present and future health problems.

Because a body mass number range provides an indicator of how much someone should weigh, many people have the perception that a lower BMI is better. This is only partially true as overweight, obese and morbidly obese people should set goals to enter into the normal category, which is classified as a range of 18.5 to 25. However, having a BMI lower than 18.5 is unhealthy and classifies persons either into the underweight or starvation categories. This could indicate that medical conditions such as anorexia, malnutrition or absorption deficiencies may be present and should be immediately addressed by a qualified physician.

On the opposite end of the spectrum, classifications from overweight to morbidly obese may indicate immediate health issues. Being overweight is having a BMI ranging from 26 to 30; obese ranges from 31-40 and morbidly obese is any body mass index number greater than 40. While this may scare some, athletes or people with large amounts of muscle mass may fall into these categories. If a person is very athletic, lifts weights or is generally very muscular, a physician can perform additional tests to ensure a person receives proper medical guidance.

It is important to know there are different BMI charts for adults and children. In adults, body mass index is calculated based on height and weight, whereas children’s BMI is calculated based on age and gender. Children’s body mass index charts allows for the comparison of each child against his or her peers. The goal is to be as close to the 50 percent range as possible, with extreme deviations requiring immediate physician attention.

No matter what age, people with a high BMI may be endangering themselves. A body mass index in the overweight, obese or morbidly obese categories may be a warning that diabetes, heart disease, high blood pressure, sleep disorders, joint stress or other issues may be present. If not addressed and rectified, continued obesity may lead to early mortality. Without losing muscle mass, the only way to obtain a lower body mass index score is to lose weight.

In addition to increased health benefits, having a lower BMI may actually lower health insurance premiums. Some health insurance companies base a person’s premium using risk assessments. The more liable the patient is to insure, the bigger the premium. Having a BMI in the normal range, combined with other healthy living habits can be a cost-saving personal improvement.

If needing to calculate your personal body mass index, there are a variety of calculators available. Since all calculations are universal, you can rest assured the result is factual. After viewing your result, be sure to see your doctor as recommended. Take steps to ensure your BMI will enter or stay in the normal range by practicing good nutrition, exercising daily and eliminating unhealthy behaviors. This will reduce your long-term health risks and lead to increased vitality. See your doctor as recommended and be sure to track your body mass index’s reduction while on a weight loss plan.

Savings Calculator For Retirement – What’s Needed?

Perhaps the most important point about saving for retirement is start as early as possible, because the sooner you start, the more likely you are going to achieve your financial goals and have the money to do the things you want to do in your retirement.

So in my savings calculator for retirement you have to be aware of inflation because what you can buy with a dollar now, will not be possible in 10,20,30 and certainly not 40 years time. For instance, when I was a kid a loaf of bread cost about 50 cents, now the average in this part of the world is more like $2.50.

The next step in my savings calculator for retirement is to ask yourself the question ‘how long am I going to be retired for?’ and for most people who plan to retire around the age of 60, the answer should really be 40 years. This is not excessive, even though most people don’t live to the age of 100, because I’ve heard of quite a few stories that retirees start running out of money – and who wants that sort of pressure when you are potentially old and feeble?!

This next idea you probably won’t come across in a more traditional style of savings calculator for retirement. This idea is: don’t count on any government assistance at all. I’m well aware that at this point in time governments in a number of countries provide some sort of financial assistance to the seniors of society through pensions and/or subsidized services such as health care and housing. Just because these services or payments are available now, does not mean they will be there in the future. The reason being that the post WW2 baby boomer generation is now starting to reach retirement age and they make up approximately 20 percent of the entire population in the US. That approximate statistic would be somewhat accurate in many countries. The effect of the baby boomers retiring is that more and more people will be eligible for government support with fewer tax payers to provide the income. I believe that the end result is government support will significantly diminish over the next 20 years and this will happen in many countries.

The next thing to look at in my savings calculator for retirement is health. None of us can guarantee that will be fit and healthy. Sadly, most of us will experience a significant decline in health over a number of years and that translates into a huge cost. If you want to make sure that you will get the health care that you want, then its better to budget for this.

Obviously any savings calculator for retirement will deal with the day to day living expenses and this is very important, especially to allow for inflation over a long period of time.

My final tip in my savings calculator for retirement is to understand that the economy goes in cycles and every so often there is a recession where invested money looses a significant amount of value. For instance, in my lifetime, there has been a stock market crash in the late 1980’s, the ‘dot.com’ bubble burst that affected the stock market in the late 1990’s and in recent years, the global financial crisis.

I know my savings calculator for retirement is different to most, but I hope it has given you useful information.

All the very best for your future.

BMI Calculator for Females: How Much Body Fat Do You Have?

The BMI calculator for females is actually the same as for males, which is one of the reasons people sometimes question the validity of its use for everyone over the age of 20. However, regardless of the critics, the BMI or Body Mass Index is still a good way to get a general overview of your health and whether you are overweight (or underweight) for your height.

To calculate your BMI you need to know your height and weight. You can do this using pounds and inches or kilograms and meters, whichever you are most familiar with.

Kilograms are simpler, so let’s start there. Take your height in meters and multiply it by itself. So, if you are 1.6 meters, you will calculate 1.6 x 1.6 which equals 2.56. Next take your weight in kilos and divide by that multiplication figure. So, if you are 75 kilos, divide by 2.56 and your BMI is 29.29.

The calculation for pounds and inches is very similar. Multiply your height in inches by itself. Take your weight in pounds and divide by that multiplication, then multiply that figure by 703.

A healthy BMI is considered to be between 20 and 25. Under 18.5 you are considered underweight, while between 25 and 30 would be overweight. A BMI score over 30 puts you in the obese category.

Based on our calculation above that means you would fall in the top end of the overweight category, but just because you fall outside the healthy number range doesn’t mean you have a problem. For example, the BMI cannot tell the difference between muscle and fat, and if you have a BMI higher than 25 but have a lot of muscle and very little fat, you are not likely to be overweight or obese.

The BMI calculator for females is not terribly accurate for determining the overall percentage of fat in the body and was developed as a simple way to determine body fat in large groups of people. We are all different shapes and sizes so make sure you use it as a quick reference only. If you want a more accurate determination of your health, consult a doctor or health professional. Many gyms will offer skin fold tests to calculate your body fat more precisely.

Remember, take your BMI result as an indication of how much body fat you have but don’t rely on it as the final word on your health.