ScubaCinci

Dude, you're making me hungry with that shit

I've also been putting Chipotle flavored Tobasco on about everything these days...spicy stuff is supposed to rev up the metabolism too so might as well. It tastes good!

Yeah, can't always go by the scale. I'm due for a whole new wardrobe soon though I'm about to spend 2 weeks in the Caymans, 10 of which will be aboard a live aboard dive boat. So, I'm captive to the food they serve and while it's generally healthy, I'm a picky eater so I end up eating a lot of one thing that may or may not be so good for me. Diving (like swimming) makes you hungry and they are always putting out snacks (cookies, etc) between dives. Gonna be tough to just maintain my current weight on the trip but I'm not going to stress over it. First world problems, I know.

Tim...don't drop your calories too low, it can be counterproductive - especially if you are exercising hard. Go to a nutritionist or other and have them measure your resting metabolic rate (RMR). This is what your body will burn every day if you just laid there inactive all day (it's not a perfect measurement but close). It cost me ~$80 at my gym and I think it was $10 more for non-members. Use that for a guideline for calorie intake. Mine was ~2300 so I eat between 2000-2300 which is actually pretty easy to do and stay full if you eat the right things. I normally burn 3000+ calories a day if you factor in exercise/activity depending on how active I've been. That means every day I have caloric deficit of AT LEAST 700-1000 calories day - one pound of fat is 3500 calories so 2lbs a weeks is a very realistic. I'm down over 85 lbs now since mid-Feb. I have 50 more I'd like to lose. Forget the long cardio all time. Do it once a week if you feel like it. Instead, mix in some intervals and weight training. I only do a little cardio, simply for cardio health and not weight loss. Most of that is in the form of intervals so my workout lasts 20 minutes whereas I see people on cardio equipment for hours at a time and probably aren't getting the same benefit. I also lift a lot of weights, about 4 days a week. This has been my primary form of exercise and not only does it burn a lot of calories during AND after the workout, but it adds muscle which kicks up your metabolism. Muscle up! Diet is 80% of it though. Just stay at or below your RMR and you will lose weight and it almost doesn't matter what you eat (I avoid simple sugars). I've been eating Chipotle probably 5 times a week for the last 3 months (I get a chicken burrito bowl, brown rice, cheese, hot salsa, no guac) and I'm still dropping weight. Actually, Chipotle is a great after workout meai - contains a good mix of carbs and proteing. Just stay away from the wrap - it's 300 calories by itself.

I get 20%...they still ass rape you.

Yep me too...I used to snore badly and people would always complain. Now I use a CPAP and other than the white noise of the machine (like a humidifier), it's all silence from me. Still, single occupancy for me.

^^^ always a salient question

I should've signed my post.. Sent from my iPhone 7 Plus

Could be worse, they could brainwash you into upgrading for no reason.

I'm sure it heavily depends on your helmet model, how much wind protection your bike has, the sound level of your exhaust, and what your speed is - not necessarily in that order.

That is one of the best reasons for getting a headset/intercom. You can send or respond to texts on the fly, check weather, traffic, without having to stop, pull of your gloves, pull out the phone, etc. If you have the phone mounted, it saves you from having to be looking at it while you're riding while doing the above.

Knee bend is ultimately what drove me to sell the Z1000. Can't keep my knee bent like that for long periods and it wasn't even a very aggressive riding position.

Everyone does well in a bull market...

You guys are too focused on the money aspect but I won't continue to beat the drum. Keep Google handy and your fingers crossed.

Are there advisors out there that will try to take advantage? Sure. Are there doctors, lawyers, repairmen, salesman, etc (ad nauseam) that would also try to take advantage? Of course. Guaranteed the # of advisors that are crooked these days are far less in % than lawyers, doctors, etc. but when they are it's bad and it always makes news which skews the perception. The financial industry is more heavily regulated than medicine, law, etc.That new law you refer to is just the tip of the iceberg and if you learn about it, it actually pushes more people to advisors. In the financial world, you are guilty until proven innocent. All advisors shouldn't be lumped into a category of not having your best interests at heart no more than you can label all cops as racists. Though that's the perception people have from the news and Hollywood because all you ever see and hear is what's sensational and that's generally something bad. Of course, you should have a clue about finances and the advisor should explain everything to you so you understand. Just like anything else, you pay attention, do your homework, and if something does sound or feel right, you ask more questions or even a second opinion. Also, advisors are not wall street brokers, they are financial planners. They don't take your money and invest for you as they see fit and leave you in the dark telling you don't worry, I have this covered. Many times, they simply educate you based on detailed analysis on what you need to do and you go do it. Here's how to allocate your 401k or you need to save x amount to have x amount for retirement, etc. So it's not like you hand them your money and they go sticking it in stocks and hoping for the best. They also advise you on estate planning - what happens to your assets and children when you die? What if you become disabled, or unable to make decisions because you are in a coma? Do you have the right documentation in place to cover those things? Do you know all of the scenarios to plan for? There's more than your money at stake. I work for a large financial firm, I have nothing to do with money in the least and you wouldn't believe the amount of required "training" I have to take annually. In addition to codes of ethics, a million disclosures about my finances, political activity, outside activities (i.e second job), etc, etc. It's ridiculous.

Yes...as I mentioned your initial consultation should be free. Advisors aren't just for the wealthy...how do you think people accumulate wealth outside of inheritance, etc? Likely they had someone helping them plan for it. It's not always about what you have, it's about what you want and how you plan to get there. How many people without an advisor have a solid, realistic and detail plan for retirement, college savings, etc? Most wing it, throw $ in a 401k and expect that when they get to certain age (they usually don't have a #) they'll magically be able to retire and keep the same lifestyle they are accustomed to. Ask around with people in your area - friends, neighbors, even your doctor...see who they use and what they think. There are many articles on the web about this and what to look for. Most critical, make sure they are at least a Certified Financial Planner (CFP) - anyone can call themselves an advidor and have absolutely no training/credentials/education. There are a lot of CPA's that will also do "advising" but have no credentials to do so. Should be against the law but it's not. Then take that info and do a little research. You meet with one, don't like the vibe, check out another. Or you could do like me and marry one. Before I met my wife, I had no goals or plans for retirement etc. I didn't even think about it. I have a son from a previous marriage. I had no college savings, no will, no estate planning - nothing. I probably still wouldn't have that stuff if not for her. In hindsight, I was an idiot and naive for not planning for my golden years (assuming I get there). Yeah, it costs money to have an advisor but in the grand scheme of things, it's not much and it depends on how complicated your finances and planning needs are. Well worth it. I can't tell you how many clients of my wife I've met, some of whom didn't become clients of hers until late in life, and they'd tell me- Joe, if it wasn't for her we'd never have been able to retire, afford x, etc.She literally changed our lives. This is why I'm passionate about recommending this...I see first-hand the impact it has. All that said, you can't pick up an advisor and expect to just all of sudden have money to retire, etc. You have to actually follow their advice, maybe sacrifice buying that hot new Ducati, etc to get there but at least you'll have a solid plan and know what you can and can't do to meet your goals.

^^^this is why you get with a professional. They know all the ins and outs and what's best for your situation/future plans.

I received the cam late yesterday and tried it out on the way to and from the gym...the first while daylight and the next after dark. Works really great! I can read plates on cars in front of me if they are relatively close (a few car lengths) except at night where the license plates are blown out (too bright) because I'm guessing the camera cranks up the ISO. However, the quality of the night video was good though there is no night vision so it has to be illuminated by headlights or streetlights to show up but even things lightly lit appear. My observations/complaints (most are nitpicks) thus far after only 20 minutes of actual use are: The micro SD card gets inserted/ejected from the top of the camera. It's very recessed and without fingernails, it's tough to get at - especially since it's mounted very high on the windshield. Some detail gets blown out at night from headlights but not a big deal unless you want to read someone's plates. The USB port that is used to power it comes from the bottom of the unit - I would've preferred it came from the side The documentation that came with it is not the greatest. I more or less had to figure out for myself how to set the date, time, preferences, etc Time is only captured/displayed in military time (24 hour format). I couldn't find a way to change it to a 12 hour format. The 12V plug has no USB piggyback ports on it like I've seen with other models. The screen is small so you have to get close up when getting it aligned etc to see what's what - though I like that the unit is small so can't have it both ways I'd prefer a wider FOV (it claims 156 degree view) My other 'issue' has nothing to do with the camera and all to do with my car. The rear view mirror is mounted on a large plastic covered piece which houses all of the sensors, etc for rain, cruise distance control, etc. It's pretty big. Most people mount the camera behind the mirror to limit view obstruction. I have to mount mine way over to the passenger side and even more so since after the plastic ends, there's shading that extends further. The driver view is not obstructed still but the passenger has it pretty plainly in front of them.. My wife has yet to get into the car with it installed and I know she's going to bitch complain about it. All in all, if you see it on sale for $60 I think it's totally worth it.

that one will be all about location, location, location

Yes, definite improvement.

That's a good attitude. That's just nuts!

Consult a financial planner for this and for yourself while you're at it. A good one will not charge you for the first consult. Odds are good you aren't adequately prepared (most people aren't) for retirement goals, estate plans, etc. Seems like small amount of money but that's how net worth is accumulated. At little at a time. Slightly off topic BUT... For everyone - especially married and/or with kids, you damn well better at least see an attorney to AT LEAST get your wills and powers of attorney (financial and medical) done. Don't wait. Yes it will cost you money (less so if you get your ducks in a row beforehand) but it will cost you and/or or your family more if this isn't done. And I'm not just talking about money. People with no wills or estate planning can go through incredibly painful and expensive months if not years of getting things settled after the fact. Don't let third parties and government decide what to do with your money, estate, and children! It took years but I finally got my mom and dad to set up their wills and POA's. I literally had to have the atty come to their house. Not 3 weeks after this was done, my dad went into the hospital and was in bad shape, not able to make medical decisions for himself. If it wasn't for the POA, my mother never would've been legally able to dictate and give consent for his treatment, etc. It would've been left to the discretion of the doctors and hospitals. I'm happy to say he's better now but she was so happy we got that done. Made a huge difference.

SMH - My biggest pet peeve is when people think something about you that's not true but there's no way to convince them otherwise. Like when they cut you off and they blame you. The problem is they have no accountability with little risk to themselves so they feel free to do as they wish, not caring about us because we are "idiots on motorcycles".

On an ironic note, I received a notice from work that it's that time of year to fill out our compliance review where they basically ask if you are doing any activities that may conflict with the firm policies on conduct/ethics (i.e workplace gifts and entertainment, political activity, etc). One of the questions asks if I've "been arrested, arraigned, indicted, convicted, or pled guilty or no-contest in connection with any criminal offense, misdemeanor or felony, including DUI/DWI?"

I get on a lot of conference calls at work where I don't have very much stake or participation in the content so I have to occupy my brain with something "light" so I can still listen in case something is said I need to address.