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Random health and exercise thoughts

Discussion in 'Health & Body' started by Eason, Dec 20, 2009.

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  1. Khayembii Communique

    Khayembii Communique Senior member

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    Do diets like PSMF actually work? I feel like if you ate 800 cals/day even if it's all protein it's the same as eating 800 cals of anything else and your strength would suffer something fierce
     
  2. ridethecliche

    ridethecliche Senior member

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    Send her the buscemi pic.

    Superimposed on her chest for extra points.
     
    Last edited: May 6, 2015
  3. tesseract

    tesseract Senior member

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    This works.
     
    1 person likes this.
  4. barrelntrigger

    barrelntrigger Senior member

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    Wish I were in Japan right now...
    But tell her da ass thou.
     
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  5. Cool The Kid

    Cool The Kid Senior member

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    Everyone I know who has done it was absolutely miserable. I would bet you would bounce or relapse so hardcore too. Not worth it
     
  6. Benesyed

    Benesyed Senior member

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    How did she get your number? Some prior fling?
     
    Last edited: May 6, 2015
  7. APK

    APK Senior member

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    Down 30 pounds after 7.5 weeks. I feel like I'm always eating, too, so it hasn't been a case of just starving myself. Incredible what getting back to the weights and cleaning up the diet can do. There shall be no beach body this summer, but things should be looking remarkably different by time the season's winding down.

    Comparing my starting pic to progress pictures from three years ago makes me almost disgusted that I let myself walk around like this for a year.
     
    4 people like this.
  8. ridethecliche

    ridethecliche Senior member

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    Don't beat up on your former self now and channel that energy towards your future self. You're doing great man!
     
  9. tesseract

    tesseract Senior member

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    Sisters friend.
     
  10. APK

    APK Senior member

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    Thanks. I'm not being too hard on myself. I know were it not for the kick in the ass I described in this thread a couple months ago, I wouldn't have had the discipline to clean up my diet like I have. As for training, well, it was really just a matter of getting back to the gym. Within a week I was reminded what a privilege it is to be able to train.
     
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  11. Khayembii Communique

    Khayembii Communique Senior member

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    33 lbs to go, I'm gonna make it srs
     
  12. TeeKay

    TeeKay Senior member

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    Okay finance brahs...I could use some advice if someone would be so kind.

    I owe 26k in undergrad debt at an interest rate of 6.50%
    Next year my fiancee will be starting a job with access to a 403b and a starting salary of 51k. If she contributes nothing, the university automatically puts in 5% of her gross income. If she contributes 3% of her pay, the university puts in additional 5% for a total of 10%

    My question is does it make more sense to contribute that 3% of her income 51k salary to her 403b, or would that money be better spent helping pay off my loans?
     
  13. Khayembii Communique

    Khayembii Communique Senior member

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    Make an excel spreadsheet.

    The fact that you don't have your loan in a spreadsheet already bothers me
     
  14. ridethecliche

    ridethecliche Senior member

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    /me whistles.

    What would you suggest, tbh?
     
  15. Khayembii Communique

    Khayembii Communique Senior member

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    What? I'd suggest he put them both in a spreadsheet and see which one saves him more money....
     
  16. Cool The Kid

    Cool The Kid Senior member

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    Sounds like her putting money in the 403b (????) is a better deal... much higher return
     
  17. TeeKay

    TeeKay Senior member

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    403b is like the educational institution equivalent of a 401k. Or at least I think.
     
  18. TeeKay

    TeeKay Senior member

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    I use excel to make grocery lists
     
  19. Khayembii Communique

    Khayembii Communique Senior member

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    Depends on if he can put it towards principal repayment.
     
  20. fuji

    fuji Senior member

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    Do tax shields exist on personal debt or is it only corporate debt? I don't actually know what a 403b is, but I assume it's just some investment vehicle.

    If you pay down your debt you get a return of 6.5% times 1 minus the tax rate assuming there is a tax shield. If she puts in 3% of her income and gets 5% you get a return of 66.7% multiplied by the return of 403b. You should put the money in the 403b.
     
    Last edited: May 6, 2015
    1 person likes this.

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