The 34 coolest online workouts that you can do from home during COVID-19

Joel Olson • April 19, 2020

1. Fitness Blender: https://www.fitnessblender.com/videos

This husband and wife team’s websites contain a plethora of workouts. Workouts contain a total body, strength, pilates, kickboxing. The workouts contain a variety of different options for time, so its something you can use regardless of how much time you have. They also have some paid options for some more custom plans.

2. Do Yoga with Me: https://www.doyogawithme.com/yoga-classes

The majority of the classes are filmed outdoors in BC. Do Yoga with me, contains yoga classes for all different levels. It also has options for kids as young as two years old and a section for seniors. Another added feature is they have a lot of yoga videos that target specific areas that you may want to target.

3. Orange Theory Fitness: https://www.orangetheory.com/en-us/athome/

This science-based workout around getting your heart rate to go through several different zones to achieve maximum results has “At-Home” workouts that contain cardio and strength training. All of the workouts contain options for household objects you can use for the weight component.

4. Upside-Down Pilates:

https://www.youtube.com/user/jefforig/videos

Video workouts here contain various pilates workouts for all levels. Workouts are designed for at home, or even when traveling. Many of the workouts are quite short, and there is also some to go with foot injuries.

5. HASfit:

https://www.youtube.com/user/KozakSportsPerform

This particular workout channel has videos designed for all types of fitness goals. There are great videos for HITT, Dumbell, and also age-specific classes for seniors and teenagers for working out.

6. BodyArt: https://www.bodyart-studios.com/take-class

BodyArt was designed by Ryan Daniel Beck, a choreographer, it combines Yoga, Dance, Mindfulness, and Strength Traning. They hold live classes on Facebook at 7amPSt, and Instagram at 4:30Pst for free.

7. Rumble: https://www.instagram.com/p/B92fcZfHPHJ/

Rumble, a popular boxing studio, hosts daily Instagram live classes with Cardio and Bodyweight Workouts. Classes vary in times, so best to check their schedule daily.

8. Rowhouse: https://www.facebook.com/rowhousego/

Rowhouse is exactly like it sounds. A workout with rowing machines. They are hosting daily facebook lives classes for free. Some workouts require a mat and some small weights.

9. Barry’s Bootcamp: https://www.instagram.com/barrys/

The popular fitness gym combines weight training and treadmill work. Daily they are broadcasting Instagram live sessions with trainers from around the world. They have also opened up an online store to allow you to order anything you need to work out from home- most of their classes are bodyweight though.

10. Ta Bo Fitness: www.youtube.com/channel/UCMGIp3jifsoufZv_y8_c1Qg

These free workout videos combine cardio and martial arts. The workout claims to burn up to 120 calories per workout and last in length from 30 minutes to one hour.

11: 567 Broadway: https://www.567broadway.com/

This is a musical workout to your favorite Broadway shows. All workouts have cardio and strength training and the are currently free on youtube.

12. Box and Flow: https://www.instagram.com/boxandflow/

Box and Flow combines boxing and yoga into one workout. They are currently streaming free classes via Instagram Live at various times throughout the day.

13. Fhitting Room on Demand: https://ondemand.fhittingroom.com/

The fhitting room offers HITT workouts with strength building through Kettlebells. You can currently receive a free 30 day trial for on-demand workouts.

14. Mayweather Boxing and Fitness: https://mayweather.fit/

Currently they are offering free Instagram workouts with cardio and boxing. They also have several ongoing challenges that you can be involved in.

15. Spartan Unbreakable: https://life.spartan.com/tag/be-unbreakable

Designed by the Spartan Company responsible for the Spartan Events, they are currently uploading a family workout for every day. The site also has quite a bit of content around fitness, nutrition, and relationships.

16. 9Round: https://www.facebook.com/9RoundOfficial/

The popular kickboxing workout offers a Facebook Live streaming workout at 3 pm PST every day.

17. MySwimPro: https://myswimpro.com/

MySwimPro has workouts for swimmers to use on dryland and inside of the pool. It’s a downloadable app with other content that can be accessed as well

18. Nike Training Club: https://apps.apple.com/us/app/nike-training-club/id301521403

A brand that needs no introduction. The Nike training app is free and has over 185 workouts that you can stream.

19. Fly London: https://www.instagram.com/fly_ldn/?utm_source=ig_embed

This London yoga and barre studio offers hip hop yoga classes and sweaty barre classes. Currently, they are streaming their classes on Instagram Live and posting them on YouTube. Sessions last for 45 minutes.

20. Sweaty Betty: http://www.sweatybetty.com/us/free-online-workout-videos

Sweaty Betty is a UK-Based Fitness Brand. They have loads of free fitness videos, varying in length and also in type of workouts (yoga, barre, HITT, and boxing).

21. Zuzka Light: https://zuzkalight.com/

There is a ton of content here. In the free workout section, you can find bodyweight, kettlebell, HITT, and jump rope workouts. There is also a ton of great content in the form of blogs, and some great custom options.

22. Blogilates: https://www.youtube.com/user/blogilates

This streaming channel has Pilate workouts set to music. All workouts are easy for anyone to do, and the channel has many other videos around clean eating and self-esteem that are excellent too.

23. The Fitness Marshall: https://www.youtube.com/user/TheFitnessMarshall

The Fitness Marshall workouts are set to popular music. All workouts are short and cardio-based.

24. Tone it up: https://www.youtube.com/user/ToneItUpcom

This streaming workout offers toning workouts. All workouts allow you to use household objects and you combine many short ones into a playlist to design a great workout.

25. SLT: https://www.instagram.com/sltnyc/channel/

SLT stands for strengthen, lengthen and tone. Currently, they are offering Instagram Live classes for free.

26. Aarmy: https://www.instagram.com/aarmy/?hl=en

Streaming on Instagram live, these boot camps are not for the faint of heart. They usually have four live classes in the morning.

27. FightCamp: https://joinfightcamp.com/

FightCamp is online virtual booking workouts. In addition to working out with online instructors, their app allows your progress to be tracked and improved upon.

28. Y7 Studio: https://www.instagram.com/y7studio/

Y7 Studio is a yoga class that is down in the dark to candlelight and hip-hop music. They are currently offering Instagram classes live for all levels.

29. Physique57: https://physique57.com/

Physique 57 is offering a free trial to have online access to all their studios. Physique 57 is a barre workout, and all the needed materials are things that you will have access to in your house.

30. Johnson and Johnson 7 Minute Workout: https://apps.apple.com/us/app/j-j-official-7-minute-workout/id784797900

Johnson and Johnson has created a free app full of seven-minute workouts that you can get maximum results from.

31: SoulCycle’s Off the Bike: https://soul-cycle.com/news/offthebike

Soulcycle is currently offering free Instagram classes that focus on bodyweight, cardio, and mindfulness. No equipment needed.

32. “The Class” https://theclass.com/digitalstudio

Taryn Toomey’s workout class combines both plyometric and calisthenics with popular music. There is a mindfulness component, that means it’s a great workout that also helps with stress and anxiety. Currently, there is a two- week free trial.

33. Solidcore: https://www.instagram.com/solidcore/channel/

Solidcore is offering free Instagram live classes. The workout combines Pilates, strength training and sliders to take the place of the reformers.

34. ConBody: https://conbody.com/

Conbody is a workout developed by Coss Marte – when he was in prison. The workout is designed to be done in small places and uses only bodyweight. You can get a subscription for $9/month.

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What is a “No-Frills” Mortgage?

By Joel Olson • March 25, 2025

A no-frills service or product is where non-essential features have been removed from the product or service to keep the price as low as possible. And while keeping costs low at the expense of non-essential features might be okay when choosing something like which grocery store to shop at, which economy car to purchase, or which budget hotel to spend the night, it’s not a good idea when considering which lender to secure mortgage financing. Here’s why. When securing mortgage financing, your goal should be to pay the least amount of money over the term. Your plan should include having provisions for unexpected life changes. Unlike the inconvenience of shopping at a store that doesn’t provide free bags, or driving a car without power windows, or staying at a hotel without any amenities, the so-called “frills” that are stripped away to provide you with the lowest rate mortgage are the very things that could significantly impact your overall cost of borrowing. Depending on the lender, a “no-frills” mortgage rate might be up to 0.20% lower than a fully-featured mortgage. And while this could potentially save you a few hundreds of dollars over a 5-year term, please understand that it could also potentially cost you thousands (if not tens of thousands) of dollars should you need to break your mortgage early. So if you’re considering a “no-frills” mortgage, here are a few of the drawbacks to think through: You'll pay a significantly higher penalty if you need to break your mortgage. You'll have limited pre-payment privileges. Potential limitations if you want to port your mortgage to a different property. You might be limited in your ability to refinance your mortgage (without incurring a considerable penalty). Simply put, a “no-frills” mortgage is an entirely restrictive mortgage that leaves you without any flexibility. There are many reasons you might need to keep your options open. You might need to break your term because of a job loss or marital breakdown, or maybe you decide to take a new job across the country, or you need to buy a property to accommodate your growing family. Life is unpredictable; flexibility matters. So why do banks offer a no-frills mortgage anyway? Well, when you deal with a single bank or financial institution, it’s the banker’s job to make as much money from you as possible, even if that means locking you into a very restrictive mortgage product by offering a rock bottom rate. Banks know that 2 out of 3 people break their mortgage within three years (33 months). However, when you seek the expert advice of an independent mortgage professional, you can expect to see mortgage options from several institutions showcasing mortgage products best suited for your needs. We have your best interest in mind and will help you through the entire process. A mortgage is so much more than just the lowest rate. If you have any questions about this, or if you’d like to discuss anything else mortgage-related, please get in touch. Working with you would be a pleasure!

How to Handle Missed Payments

By Joel Olson • March 11, 2025

If you’ve missed a payment on your credit card or line of credit and you’re wondering how to handle things and if this will impact your creditworthiness down the road, this article is for you. But before we get started, if you have an overdue balance on any of your credit cards at this exact moment, go, make the minimum payment right now. Seriously, log in to your internet banking and make the minimum payment. The rest can wait. Here’s the good news, if you’ve just missed a payment by a couple of days, you have nothing to worry about. Credit reporting agencies only record when you’ve been 30, 60, and 90 days late on a payment. So, if you got busy and missed your minimum payment due date but made the payment as soon as you realized your error, as long as you haven’t been over 30 days late, it shouldn’t show up as a blemish on your credit report. However, there’s nothing wrong with making sure. You can always call your credit card company and let them know what happened. Let them know that you missed the payment but that you paid it as soon as you could. Keeping in contact with them is the key. By giving them a quick call, if you have a history of timely payments, they might even go ahead and refund the interest that accumulated on the missed payment. You never know unless you ask! Now, if you’re having some cash flow issues, and you’ve been 30, 60, or 90 days late on payments, and you haven’t made the minimum payment, your creditworthiness has probably taken a hit. The best thing you can do is make all the minimum payments on your accounts as soon as possible. Getting up to date as quickly as possible will mitigate the damage to your credit score. The worst thing you can do is bury your head in the sand and ignore the problem, because it won’t go away. If you cannot make your payments, the best action plan is to contact your lender regularly until you can. They want to work with you! The last thing they want is radio silence on your end. If they haven’t heard from you after repeated missed payments, they might write off your balance as “bad debt” and assign it to a collection agency. Collections and bad debts look bad on your credit report. As far as qualifying for a mortgage goes, repeated missed payments will negatively impact your ability to get a mortgage. But once you’re back to making regular payments, the more time that goes by, the better your credit will get. It’s all about timing. Always try to be as current as possible with your payments. So If you plan to buy a property in the next couple of years, it’s never too early to work through your financing, especially if you’ve missed a payment or two in the last couple of years and you’re unsure of where you stand with your credit. Please connect directly; it would be a pleasure to walk through your mortgage application and credit report. Let’s look and see exactly where you stand and what steps you need to take to qualify for a mortgage.