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Advance Without Checking Account

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Unlike what you hear from the thousands of diet peddlers or the diet drug companies, losing weight is actually very simple: take in fewer calories than you burn each day. But, how many calories should you be consuming? That question was answered almost a century ago by Harris Benedict and is referred to as your Basal Metabolic Rate (BMR). BMR is defined as the number of calories your body consumes at rest to maintain your current weight. To determine your BMR, use the following formula:



Women: BMR = 655 + (Weight x 4.35) + (Height x 4.7) ? (Age x 4.7)

Men: BMR = 66 + (Weight x 6.23) + (Height x 12.7) ? (Age x 6.8)

*Weight is in pounds and height is in inches

Once again, your BMR is simply the number of calories used by your body to sustain life. Since lifestyles vary widely, you must apply a multiplier to find the approximate number of calories that you actually burn each day. I recommend using a sedentary (1.2) or light activity (1.375) multiplier since most people fall into these categories but tend to overestimate their activity level by as much as 50%. Therefore, to find your approximate calorie requirements, multiply your BMR by your activity level. Because I am a 38 year old, 5'8?, 155 pound male, my BMR works out to:

BMR = 66 + (155 x 6.23) + (68 x 12.7) ? (38 x 6.8) = 1636.85

Calories needed to support 155 pounds (sedentary) = 1636.85 x 1.2 = 1964.22

If math is not your thing, you can use one of the many BMR calculators available on the web or use the one I provide at http://www.wellness4one.com/calculator.aspx.

In order to lose weight, you must either consume fewer calories than your body needs to sustain its current weight or burn more calories through various activities. As you may have heard before, a combination of diet and exercise works best.

It may be easier to think of your daily diet as a checking account. The major difference being instead of having overdrafts and financial problems as your punishment for overspending, you get something much more dangerous: weight gain and obesity.

The good news with your calorie account is that it fills up every day with a certain number of calories you can spend. For me, that number is around 1964. This is the approximate number of calories my body will burn if I do little else but go to work and sit behind my computer all day. Therefore, if I only ingest 1964 calories, my diet is in balance and I neither gain nor lose weight.

In the same manner, let's say I needed to lose a few pounds and I am only taking in 1664 calories; I know that there are 3500 calories in a pound of fat. In a little over 11 days, I will lose a pound of fat. That's not very fast you say. Well, all I had to do to lose that pound was switch two cans of your average soft drink with diet drinks or, better yet, water.

However, say I really like cookies and I take in an extra 300 calories. Now I have to work a little overtime to pay for this and, for your diet, this means exercise. Never fear, without much effort I can burn the calories with a brisk 20 minute walk.

Ok, so it's not that easy. Let's say I hate to exercise and I think I don't have 20 minutes to walk. Incorporate the walk into your daily life. Instead of finding the parking spot closest to the store, pick one farther away and avoid the door dings. Go one further and walk to the store if possible. Instead of using the elevator or escalator, use the stairs. Simple things like these will add up: play catch with your kids, work in your garden, or just stand sometimes instead of sitting (you'll burn twice as many calories).

Removing the mystery behind diets and weight loss is the key to successful weight control. It's important to remember that your diet is not something that you start and finish or can cheat. Your diet is with you every day for the rest of your life. To control your diet, you should know your BMR and how many calories you have to burn each day. When losing weight, either eat fewer calories than your modified BMR (BMR x Activity Level) or increase your physical activity. A combination of eating less and doing more generally works best.
Advance Without Checking Account
Two important pieces of information that you should never give out about your checking account unless you know for certain who you are dealing with are the account number and the bank routing number.

Having both of these numbers makes it far easier for scam artists to get funds out of your checking account. A good rule of thumb is to never give out this information unless you know the company asking for it or unless you were the one to initiate the transaction.

The above is true for internet transactions but it is also true for telephone transactions. Many of today's criminals are finding it more profitable to do their business over the phone. These calls, when they come, sound very authentic and persuasive. Do not fall for that. If they ask you for your checking account information, do not give it to them. If you do, they may create what is known as a demand draft which they can use to take funds out of your account. They may also use the information to make an electronic funds transfer, which also results in you losing your money.

The second most important thing to do to protect your checking account from unauthorized use is to review your statement as soon as you get it in the mail, or if you have online banking, every few days or so. All transactions, whether they are authorized or not, will eventually show up on your statement. Keeping close tabs on your statement will not only alert you when something is amiss but it will also keep you from bouncing checks in many cases.

If you discover a problem it is important to contact the bank as quickly as possible. If you believe that someone has gained access to your account, tell the bank and follow their instructions. In some cases, you may need to put a hold on the account. Some banks may want a written statement as to what happened. If this is the case, make sure you get that to them. You will also want to keep copies of all documents that you and the bank exchange as the problem is worked out. In cases of fraud, it is also a good idea to contact your local police or the state attorney general.

Sometimes it is not criminals who get us into trouble with out checking accounts but rather ourselves. You may not be aware of it, but checks are being processed faster today than ever before.

Many places that take checks will convert your written check to an electronic payment, which allows the money to be withdrawn from your account sooner. Needless to say, if you do not have enough funds in your checking account when you write a check or authorize a debit, you could end up with an overdraft and have to pay the fees for that.
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About Author
Both Joseph P Kennedy & Peter Kenny are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Joseph P Kennedy has sinced written about articles on various topics from . Joseph Kennedy is the founder of ; a free online provider of personalized health and fitness services to individuals and businesses. Joseph is an ACE cer. Joseph P Kennedy's top article generates over 880 views. to your Favourites.

Peter Kenny has sinced written about articles on various topics from Credit Cards, Finances and Best Money Market. Peter Kenny is a writer for The Thrifty Scot, please visit us at and. Peter Kenny's top article generates over 368000 views. to your Favourites.
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