Forum Replies Created
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cvmom
Participant[quote=bearishgurl]
I think a simpler life is what we should all aspire to in “retirement.”[/quote]Sounds good, except in addition, I’d really like to travel more…
Participant[quote=bearishgurl]
I think a simpler life is what we should all aspire to in “retirement.”[/quote]Sounds good, except in addition, I’d really like to travel more…
Participant[quote=bearishgurl]
I think a simpler life is what we should all aspire to in “retirement.”[/quote]Sounds good, except in addition, I’d really like to travel more…
Participant[quote=CA renter][quote=ocrenter][quote=CA renter]
We’re talking about people who eat fruit, nuts, vegetables, whole-wheat bread (open-faced sandwiches to minimize caloric intake), etc. That’s exactly the point.[/quote]HOLD ON HERE!
how many obese people out there got to the state of obesity eating only fruit, nuts, vegetables, whole wheat bread???
We have two issues here. How people become obese and what happens after.
People get to the state of obesity by eating more than their metabolism allows. And it is very hard to get to the state of obesity eating the food you just outlined. And the main reason is you do not get into the addiction cycle with the food you listed. The addiction cycle (refined starch and fat are well known to upregulate hormones that stimulate appetite and increase craving) is what lead to the obesity because raw biochemical desire takes on the driver’s seat and you lose control.
Now once someone become obese. Then a whole different process take over. Metabolism slows down even more, insulin (which is a growth hormone) need to increase because of insulin resistance. And most of all, the body has an intrinsic defense AGAINST weight loss. So people will try to lose weight, they lose 5-10 lbs, then the body senses what is going on and activates Operation-Hold-On-To-Fat. So it is quite realistic to see someone eating the food you mentioned but stay obese.[/quote]
You’re assuming that someone “becomes” fat in the first place. There are some people who are born overweight (even when the mothers were not overweight, and did not gain more than the recommended amounts during their pregnancies) — people who were NEVER “normal” weight in their entire lives, even when they were exclusively nursing as babies.[/quote]
CArenter, I also have one of these. One of my kids has been overweight since birth, including the entire time of breastfeeding (exclusively until 7 months old). My other kid is overly skinny. No appreciable differences during pregnancy or since. Definitely makes you realize how much of this is baked in to the genes.
Participant[quote=CA renter][quote=ocrenter][quote=CA renter]
We’re talking about people who eat fruit, nuts, vegetables, whole-wheat bread (open-faced sandwiches to minimize caloric intake), etc. That’s exactly the point.[/quote]HOLD ON HERE!
how many obese people out there got to the state of obesity eating only fruit, nuts, vegetables, whole wheat bread???
We have two issues here. How people become obese and what happens after.
People get to the state of obesity by eating more than their metabolism allows. And it is very hard to get to the state of obesity eating the food you just outlined. And the main reason is you do not get into the addiction cycle with the food you listed. The addiction cycle (refined starch and fat are well known to upregulate hormones that stimulate appetite and increase craving) is what lead to the obesity because raw biochemical desire takes on the driver’s seat and you lose control.
Now once someone become obese. Then a whole different process take over. Metabolism slows down even more, insulin (which is a growth hormone) need to increase because of insulin resistance. And most of all, the body has an intrinsic defense AGAINST weight loss. So people will try to lose weight, they lose 5-10 lbs, then the body senses what is going on and activates Operation-Hold-On-To-Fat. So it is quite realistic to see someone eating the food you mentioned but stay obese.[/quote]
You’re assuming that someone “becomes” fat in the first place. There are some people who are born overweight (even when the mothers were not overweight, and did not gain more than the recommended amounts during their pregnancies) — people who were NEVER “normal” weight in their entire lives, even when they were exclusively nursing as babies.[/quote]
CArenter, I also have one of these. One of my kids has been overweight since birth, including the entire time of breastfeeding (exclusively until 7 months old). My other kid is overly skinny. No appreciable differences during pregnancy or since. Definitely makes you realize how much of this is baked in to the genes.
Participant[quote=CA renter][quote=ocrenter][quote=CA renter]
We’re talking about people who eat fruit, nuts, vegetables, whole-wheat bread (open-faced sandwiches to minimize caloric intake), etc. That’s exactly the point.[/quote]HOLD ON HERE!
how many obese people out there got to the state of obesity eating only fruit, nuts, vegetables, whole wheat bread???
We have two issues here. How people become obese and what happens after.
People get to the state of obesity by eating more than their metabolism allows. And it is very hard to get to the state of obesity eating the food you just outlined. And the main reason is you do not get into the addiction cycle with the food you listed. The addiction cycle (refined starch and fat are well known to upregulate hormones that stimulate appetite and increase craving) is what lead to the obesity because raw biochemical desire takes on the driver’s seat and you lose control.
Now once someone become obese. Then a whole different process take over. Metabolism slows down even more, insulin (which is a growth hormone) need to increase because of insulin resistance. And most of all, the body has an intrinsic defense AGAINST weight loss. So people will try to lose weight, they lose 5-10 lbs, then the body senses what is going on and activates Operation-Hold-On-To-Fat. So it is quite realistic to see someone eating the food you mentioned but stay obese.[/quote]
You’re assuming that someone “becomes” fat in the first place. There are some people who are born overweight (even when the mothers were not overweight, and did not gain more than the recommended amounts during their pregnancies) — people who were NEVER “normal” weight in their entire lives, even when they were exclusively nursing as babies.[/quote]
CArenter, I also have one of these. One of my kids has been overweight since birth, including the entire time of breastfeeding (exclusively until 7 months old). My other kid is overly skinny. No appreciable differences during pregnancy or since. Definitely makes you realize how much of this is baked in to the genes.
Participant[quote=CA renter][quote=ocrenter][quote=CA renter]
We’re talking about people who eat fruit, nuts, vegetables, whole-wheat bread (open-faced sandwiches to minimize caloric intake), etc. That’s exactly the point.[/quote]HOLD ON HERE!
how many obese people out there got to the state of obesity eating only fruit, nuts, vegetables, whole wheat bread???
We have two issues here. How people become obese and what happens after.
People get to the state of obesity by eating more than their metabolism allows. And it is very hard to get to the state of obesity eating the food you just outlined. And the main reason is you do not get into the addiction cycle with the food you listed. The addiction cycle (refined starch and fat are well known to upregulate hormones that stimulate appetite and increase craving) is what lead to the obesity because raw biochemical desire takes on the driver’s seat and you lose control.
Now once someone become obese. Then a whole different process take over. Metabolism slows down even more, insulin (which is a growth hormone) need to increase because of insulin resistance. And most of all, the body has an intrinsic defense AGAINST weight loss. So people will try to lose weight, they lose 5-10 lbs, then the body senses what is going on and activates Operation-Hold-On-To-Fat. So it is quite realistic to see someone eating the food you mentioned but stay obese.[/quote]
You’re assuming that someone “becomes” fat in the first place. There are some people who are born overweight (even when the mothers were not overweight, and did not gain more than the recommended amounts during their pregnancies) — people who were NEVER “normal” weight in their entire lives, even when they were exclusively nursing as babies.[/quote]
CArenter, I also have one of these. One of my kids has been overweight since birth, including the entire time of breastfeeding (exclusively until 7 months old). My other kid is overly skinny. No appreciable differences during pregnancy or since. Definitely makes you realize how much of this is baked in to the genes.
Participant[quote=CA renter][quote=ocrenter][quote=CA renter]
We’re talking about people who eat fruit, nuts, vegetables, whole-wheat bread (open-faced sandwiches to minimize caloric intake), etc. That’s exactly the point.[/quote]HOLD ON HERE!
how many obese people out there got to the state of obesity eating only fruit, nuts, vegetables, whole wheat bread???
We have two issues here. How people become obese and what happens after.
People get to the state of obesity by eating more than their metabolism allows. And it is very hard to get to the state of obesity eating the food you just outlined. And the main reason is you do not get into the addiction cycle with the food you listed. The addiction cycle (refined starch and fat are well known to upregulate hormones that stimulate appetite and increase craving) is what lead to the obesity because raw biochemical desire takes on the driver’s seat and you lose control.
Now once someone become obese. Then a whole different process take over. Metabolism slows down even more, insulin (which is a growth hormone) need to increase because of insulin resistance. And most of all, the body has an intrinsic defense AGAINST weight loss. So people will try to lose weight, they lose 5-10 lbs, then the body senses what is going on and activates Operation-Hold-On-To-Fat. So it is quite realistic to see someone eating the food you mentioned but stay obese.[/quote]
You’re assuming that someone “becomes” fat in the first place. There are some people who are born overweight (even when the mothers were not overweight, and did not gain more than the recommended amounts during their pregnancies) — people who were NEVER “normal” weight in their entire lives, even when they were exclusively nursing as babies.[/quote]
CArenter, I also have one of these. One of my kids has been overweight since birth, including the entire time of breastfeeding (exclusively until 7 months old). My other kid is overly skinny. No appreciable differences during pregnancy or since. Definitely makes you realize how much of this is baked in to the genes.
ParticipantWhat a great thread. All of the experience here is amazing.
I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.
ParticipantWhat a great thread. All of the experience here is amazing.
I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.
ParticipantWhat a great thread. All of the experience here is amazing.
I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.
ParticipantWhat a great thread. All of the experience here is amazing.
I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.
ParticipantWhat a great thread. All of the experience here is amazing.
I also have kids/spouse with dual citizenship, no debt (including house paid off), and a healthy net worth (>OP). But as much as we would like to, we have concluded that we need to work as long as possible, for the reasons already stated. As we are nearing 50, our “re-employability” is definitely dropping, and we’d better save as much as we can while our health etc. is still good. Soon enough, we may no longer have that option.
Participant[quote=SK in CV][quote=CA renter]
I’ve often questioned the wisdom of paying a dollar in interest in order to save 30-40 cents in taxes.
Am I missing something?
[/quote]
No, you’re not. You’ve identified something that should be obvious, yet I don’t know how many times I’ve had new clients come to see me, with huge mortgages, and they tell me that their prior CPA told them to buy the most expensive house they could and borrow as much as possible to save taxes. Friggen morons.
It’s simple. If the question is to put another $100K down, or borrow another $100K, if the taxable return on investing the $ is the same as the interest rate on the loan, taxes will be almost exactly the same. (there are some exceptions to this, but those exceptions would certainly not apply in a case where the purchase is a $1M home.) Nobody EVER needs a tax deduction in the form of home mortgage interest. Mortgage interest costs REAL money. It NEVER pays to buy a dollar for dollar deduction. If it did, no one would ever complain about my fees, since they’d be essentially free after taxes.
If someone is fortunate enough to have the flexibility like the OP does, it’s a pure investment decision. Taxes are a variable like they are for all investments. They are usually not the driver. Net return is.[/quote]
SK–this is the most sensible thing I’ve read on the subject in a long time. If you are accepting new clients, could you please PM me your contact information?
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