The Weight Loss Bullshit New Year Resolution – Stop Talking and Just Act

It’s the time of the year when all we hear people talk about is new year resolution (I’ll type NYR from now on).

I hate it. There, I said id. I hate it.

I don’t tell someone to shut up if they do talk about it… I simply smile and nod.

The most talked about topic for NYR is losing weight. Probably the first on most people’s list.

But here’s what I wonder, if every year we are saying we are going to lose weight… that means people didn’t do it. And if people just don’t do it every year, why do they keep talking about it?

It’s like lying to yourself.

A lot of people just talk and won’t achieve it. Here’s what I propose:

Stop talking and just act. Achieve it, then talk.

You may argue “well, people lose the weight and then gain it back over the year…” And this takes me to my 2nd point…

Losing weight is probably not such a great goal after all!

Fine, you can set “losing weight” as an initial goal. But at some point on your way to it, you should switch that goal to something less ephemeral… A better goal would be…

“Staying healthy.”

There is no excuse around this one. It means for us to stay consistently healthy and it also includes working on the mind, the body, and the spirit.

Staying healthy is all around wellness. You monitor yourself. Everyday you’ll watch want to feel your body. Everyday you’ll monitor yourself the mental and emotional state. You learn to see and feel your body and mind so you act to stay healthy.

You’ll know when you feel toxic emotions. And then you act.
You’ll feel when your body’s worn and stressed. And then you act.
You’ll see where you stand in life. And you act to improve it.

You’ll learn that you need to act in all facets including balanced diet, exercise, and lifestyle to maintain this health that involves more than your physical components.

Staying healthy is a continuous process. If you make that your focus, you’ll always end up studying a lot and will learn a balanced diet means, a healthy fitness style that suits you, and your own approach to react to whatever your body tells you. You’ll learn to maintain this health that involves more than your physical components.

This is so much more than weight loss because weight loss is a shallow goal.

Forget weight loss and figure out what it means to stay healthy.

Stop talking and just act.

And one last tip, be consistent.

Originally posted 2013-01-07 00:44:31. Republished by Blog Post Promoter

Discover Your Limit

Have you ever wonder what your limits are? Physically? Mentally? Skill-wise?

Today I did leg-press at 235 lbs. More than I have ever done. Rar! More than I could barely do last week, which was 190 lb. Our body is truly an interesting and amazing piece of machinery.

By the way, some of you may think that is nothing… it maybe so, but keep in mind I weigh a little under 130 lb.

I mentioned the difference of 45 lbs in my ability to do leg press within a week’s period. Surely, my body hasn’t changed so drastically in a week’s time, and thus reveals how our mentality, attitude affects what we can do. This is the most amazing part about weight training. You start to discover what your body can do, what you are truly thinking, and what you, as a whole being, can do.

The process of weight training, not simply for health reasons, allows me to learn more about myself than ever. Of course it is a physical activity, but simultaneously, there is an internal aspect of it where you must be aware of your body (posture, breathing, [which] muscle tension), and also pay attention how your mind affects you during your routine.

Now the most interesting part…

At the point of exhaustion while moving some massive weights, when I feel that I am exhausted, the questions comes in… Is it truly physically impossible for me to move? Or is it that I am my mind affects me, or letting my mind acquit myself with excuses, and that if someone points a gun at me to move it, and will shoot me otherwise, I will muster up the strength to move agian? Which one is it? I need to be truly honest with myself. Can I move just once more to discover my limit? To overcome my limit? Despite the doubts. Despite the pain. Just to discover my own limit. And probably help myself grow.

This is the fun part to training. The process of growing and learning about yourself. I will be honest, that if it is only for the health aspect of it, I probably would not put myself in such god awful discomfort continuously. I will also be honest that, proper weight training WILL give you a better looking body :P

This idea of training is not only true for weight training. It is the same in just about any form of trainig… for physical activities and for art. You have to ask yourself and be fully honest, am I really reaching my limit? And if not, am I finding excuses? What is holding me back? How can I move beyond?

Originally posted 2009-02-16 22:23:52. Republished by Blog Post Promoter

Subprime Mortgage Crisis? Student Loan Crisis?

MSNBC has this article: Pricey student loans sow seeds of trouble.

While scholarship, grant money and government-backed student loans — whose interest rates are capped — have taken up some of the slack, many families and individual students have turned to private loans, which carry fees and interest rates that are often variable and up to 20 percent.

Consumer prices on average rose less than 29 percent over the past 10 years while tuition, fees, and room and board at four-year public colleges and universities soared 79 percent to $12,796 a year and 65 percent to $30,367 a year at private institutions, according to the College Board.

Meanwhile, complaints about marketing of private loans — like ads promising to approve loans worth $50,000 in just minutes — are on the rise. The complaints have made their way to lawmakers, who see a need to regulate the highly profitable and diverse group of companies and the loans they make to college students.

In other words, available government loans is not able to keep up with the increase in student tuition in the past years, forcing students to turn to private loans that have some very hefty interest rates.

“College students, you need a large sum of money for school? And have little to no credit? No problem! We will still give you the loan. (But we will take back a lot more from you later, in the form of interests, yeah!!)”

Wait…have I heard this before? I think this sounds similar to what they did in the subprime mortgage sector. Not only will students carry a bigger amount of debt out of college, they will also carry those debt at a much higher interest rate. This will clearly bring their monthly loan payment to double, triple, quadruple… than what their previous generations had to pay. And since I doubt future salary can increase at such a joyous rate, this gives birth to the question on how the future generation can afford their loan payments graduating from college. If they cannot afford them, they are going to start to default… oh crap…

And wait…have I heard this before? I think this also sounds similar to what’s going on in the subprime mortgage.

Despite this being pure speculation that I draw and agree with such a comparison from the article, I really wonder what are these people thinking? Is making instant or quick money all they care about now?

In short-term definitely, they will reap some heavy profits with the high interest rate, and probably packaging these loans to sell as collaterals also.

Now in long-term, I don’t know if it looks so good anymore, and I would say worse than what may happen in the mortgage sector because the people they screw over this time will be the whole future generation. Not only will all the investment and hedge-funds base on these student loans crash. These are the people who will be future consumers, the entire or majority of the population, unlike the subprime population that makes up a much smaller percentage.

So what these private loan companies will end up doing is crippling the future population’s spending power with these loans and probably destorying a good portion’s credits. Without spending power and credits, they can’t buy houses, they can’t buy services, they can’t buy consumer goods… Let’s see such a economy will work out then.

Again this is pure speculation and albeit pessimistic, I can’t help but see the resembling occurrence between the student loans and subprime mortgage. It seems like these people are just moving sector to sector aiming only to make a quick buck and to get instant gratification with no caring about other people’s lives. Where is their sense of decency and compassion? I don’t see any. They are now targeting 17-20 years old with little life experience and will probably make their life experience a sad and painful one before they have a chance to start it. I would rather live poor than having to sell my children’s life away like that, but actually in my standard, I would consider myself living rich the way I choose to live.

I sure hope they are ready for such a future.

Originally posted 2007-10-03 01:47:08. Republished by Blog Post Promoter

Mortgage Bailout and Rate Freeze, Government Comes to the Rescue?

Based on current news, the federal policy will help a selective group of subprime homeowners by freezing the rate for a period of 5 years applicable to those who are still on time with their payment but could not afford a rate reset. In a sense, the selectiveness of this plan is good news because the less government intervention the better, and it means limited government involvement with a free market that badly needs to correct on its own. Nonetheless, the concept of a government supported bailout is still scary, no matter in what scale. Notice I said concept.

Let’s walk through some implications that I had learned.

Promoting Irresponsible Spending, Investing Behavior

Let’s be honest. People who are truly responsible are not those who cannot afford their mortgage. People who are responsible would learn and understand what they are getting themselves into and buy a place they can afford down the road. These people who took an ARM made a bet, whether they think of it this way. Any betting involves risk, just like investing in stocks, starting a business, or gambling in casino. Now that they lost the bet, are they supposed to be able to kick, scream, whine, and complain to get away with it? People who lost in casino don’t get saved. People who bankrupted on their own business don’t get saved. Why this case? Sorry to sound cold-blooded but tough love is sometimes best to teach a lesson. Without consequences, it is difficult for people to learn responsibility, like how we teach kids. If they provide a bail out in this scenario, they may as well bail out people who lost money on stocks, lost money in business. Heck, they should even bail out those who are defaulting on their car loans. After all, we need to “protect the American dream”, and last I heard, that includes owning a McMansion and luxurious vehicles. And what lesson? Who needs to learn anyways?

Repurcusion for Future Home Buyers

Banks are not the owner of the money they lend out. They receive those money from lenders who are looking to receive return base on interest rate. If the government freeze the rate, that takes away the potential return that they invested their money for. They will be intimidated by what else they government can possibly do in the future and therefore, will become much more conservative about investing in the bank loans. To secure a certain income level and to entice lenders for their money, banks will start charging higher rate for all mortgage loans. For this, let me laugh at those who will take out mortgage in the near future. You just got screwed. Oh wait, I’m one of those people… crap!

Punishment for Taxpayers

This is speculation, but the government may end up paying some lenders, not the banks, who actually own the loans to compensate for their loss. Additionally, the government or the banks will need an agency to identify qualified homeowners and process their applications. Someone has gotta foot the bill. This means taxpayers are paying, including many of us who are too responsible to take out an ARM to buy a giganto house. Banks will try to come up with ways to pay for the cost of this plan. They will do things such as increase various financial charges, invent new types of financial charges, lower saving account’s rate… So why save? All you dummies should be taking out ARM you cannot afford. Wait, I don’t have an ARM either… Argh!!!

Prolonging the Housing Bubble

We can all agree on how bloated the housing prices have gotten, especially in major cities. A correction is needed and is a healthy process for the cycle. Responsible people who have been saving diligently to afford a home will benefit from the correction that will lead to more reasonable pricing. Looks like they will have to wait longer now.

Renters will also suffer

Based on the last point, less people will be able to afford their own place due to the lack of, or a delayed correction. Consequently, they will have to rent. The demand for rentals together with sustained high housing price will lead to high and increasing rental prices, which also means less saving to contribute to a down payment. Ouch, a double whammy. I’d like to point out renters in the bay area is definitely feeling the pain of the ever-raising rent. On a side note, I guess when the government says “they will protect the American Dream”, they apparently mean they will protect the American Dream just for those who already own a house, and not those who rent. Renters don’t deserve to dream. I guess I’m stuck in reality then.

Delaying the Inevitable

Last but not least, people who need to be bailed out cannot afford a rate reset on their ARM payment now, how likely are they able to do that 5 years down the road? Their possibility for this is not high, unless the interest rate drops to something like 1% again, which very very unlikely. These people stand a good chance to lose their home to foreclosures 5 years from now still. Will the government bail them out again? I guess we will have to see.

Unpredictable Outcome and Behavior

We don’t know the specifics on who and how ones qualify for a rate freeze. Once we find out, some may take drastic measures in order to qualify. The possibility for abuse simply exists.

I’m not saying that all of these things WILL happen. They are all possible ripples that may result from the government dropping this stone in the pond. However, in the grand scheme of things, this plan which supposedly “protect people from losing their homes” will hurt everyone in more ways than one and at the same time, will “save” just a small group of homeowners only within a 5 years period. You can decide if this is worth it. I personally see more political agenda for this action than the government genuinly want to do something for the people. Now they can claim they have done something. I feel the situation is dire because our economy, and therefore our life, is dictated by a bunch of halfwits who seem to be irresponsible, lacking foresight, and high on we… I mean, greed.

Thank you for reading my commentary.

Originally posted 2007-12-08 23:06:19. Republished by Blog Post Promoter

Pages: 1 2 3 4 5 6 7 8 ... 87 88 89 Next

Subscribe using Email

Get notified of new posts by email.