Barbershop quartet singer, weight-loser, philosophy student of life
Suddenly? Nothing sudden about it been going around for years.
From the article:
[In 2022], banks issued about 680,000 reports of check fraud, nearly double what they reported in 2021. And one expert predicted total check fraud will hit $24 billion in losses this year, roughly twice what it was just five years ago.
We use the FOSS Homebank. We have been using it for years, I just did not want a pony up the money for Quicken.
This story makes a really good point, thanks for sharing it.
The average APY in US banks is still 0.5% despite much higher interest rates and inflation. My credit union offers 3% for their premium (high balance) savings.
Are all your rides on pavement? I know there are all-street GPS apps so that you can walk or run on all the streets in your town. Perhaps they work for bikes too.
I think you typo’d FitNotes which, indeed, is a great app.
LOL at proficit – I will use that in the future instead of caloric surplus.
I lost 125 lbs and lost some muscle, but also re-earned some. I don’t have the muscle I used to have at 300 lbs, though.
One of the amazing things bodies can do is grow and shrink at the same time, but it can’t do both superbly. In fact, to gain muscle superbly, you have to gain some fat. To lose weight superbly, you’re likely going to also lose some muscle).
i want to lose weight and also build some muscle, ive have been hitting the gym and cutting my calories by 500-900cal for the past two months, while i am seeing some muscle growth, its not very substantial or something people around me will notice, ive also lost about 2kgs which is not much
Not too shabby. Sounds quite right.
Here’s the thing – you’re not only preserving the muscle you had from being the heavier body you were, you built on that. Most people on a cut who aren’t lifting will lose some muscle mass too given not only the smaller need for muscle in a smaller body, but also some catabolization (the body eating muscle cells for energy). You aren’t just not losing muscle, you’re gaining some.
Don’t worry that 2 months work isn’t something to see yet – your habits are your destiny – it’ll happen.
A loss of -2 kgs is over 15000 kcal not eaten, but you’d expect more out of -700 average deficit for 60 days (-42000). Is your food tracking in real time? Complete including condiments, cooking oils, salad dressings, and other (often) forgettables? Are you checking portions with a digital kitchen food scale or measuring cups or some other reliable means? These self-reporting problems are the most common ones.
When we’re at our biggest, our skin holds everything “up.” When there’s less everything to hold, our skin sags lower due to gravity and our fat hangs a bit lower. This is why the spare tire “collects” around the lower part of the abdomen when everything used to hang higher when we were at our biggest weight.
You probably have lost some girth there in the middle. Try your non-stretchy pants that you used to wear for formal occasions and see if they fit any differently now that you have lost 4 kg. Or, an old leather belt with well-worn belt holes can show progress because we’re suddenly needing the next smallest hole to hold our pants up.
We (76 and 60) shop with our plastic (credit, never debit). Next cash if it is hand-to-hand, or we can get a receipt. Otherwise check, but we don’t carry a checkbook. I may do PayPal, Venmo, or Zelle, but only if I know you personally – if you’re dealing with my spouse, you’d better take a check or plastic or wait for me.
How so? It’s an option. The other option may be “no sale.” We grew up on these and we understand them. All the high-tech ways are ever-changing, and we’re never sure where we stand with them.