Sunday, February 27, 2011
A Christ follower living in a secular world: Taxes, taxes, RRSPs, Charitable donations and taxe...
A Christ follower living in a secular world: Taxes, taxes, RRSPs, Charitable donations and taxe...: "I often hear people talking about taxes and in many ways they just don't know what is what. I'm no expert on all the intricacies of our taxa..."
Taxes, taxes, RRSPs, Charitable donations and taxes
I often hear people talking about taxes and in many ways they just don't know what is what. I'm no expert on all the intricacies of our taxation laws etc. but I do have a grasp on some of the fundamentals.
Things I hear....
"I don't want to work too much OT or I'll end up in a higher tax bracket."
At one time(long ago) this statement was true. However our taxation laws changed many years ago and it is much more fair to low wage earners IMO. There are tax thresholds and if you make it past certain thresholds you do pay higher tax rates but only on the overage. For example....
If you made 45k in a year the first 35,859 would be taxed at a rate of 20.06%. From 35,859 to 40970 would be taxed at 22.7%(only what you made over 35859) and from 40970 to 45000 would be taxed at 29.7%. So if you were fortunate enough to get more work yes you would be taxed at a higher rate but only on that overage.
Making more money is always going to end up with more money in your pocket. Now there is a fine line in there where HST rebate cheques stop coming so you must be careful but you can utilize RRSPs to drop your taxable income back below these thresholds if you are right in the cut line. Most people are either gonna be discernably above or below those thresholds. This year I am using only part of my RRSPs and deferring most until next year but you must purchase your RRSPs before March 1st to have that option at your disposal.
Next question... "My company has an RRSP plan but I'm not sure if it is a good idea or not."
If there is a matching component to your company plan(there almost always is) then it is an absolutely great idea. Your company is paying you extra money. What doesn't sound alright about that? The other thing about it that is good is it saves money for you. If your cheque is 30 bucks smaller you will survive right? People tend to not be particularily good savers on their own so why not have your company do it for you. It is an absolutely great idea so do it.
Next question... "I don't do RRSPs but I have a tax free savings account so isn't that pretty much the same?"
No, it is not. You just don't pay tax on the interest accrued. The interest is usually pretty low(2 or maybe 3 percent normally). RRSPs are a tax shelter where the entire amount including any interest is pretax. On to the next question.
Next question... "Why should I do RRSPs and when should I start?"
They are a tax shelter. Any eligible amount put into one drops your income level for the year which is a minimum 20.06% tax savings. At some later time(hopefully after retirement) when you withdraw the money you will then have to pay tax on it however in the interim you have been able to make money off the governments portion and if you are creative you may be able to reduce the amount of tax you pay at that time.
Some wise man once said to me regarding RRSPs "the thing is once you give taxation the money it is gone forever". Once it is gone you'll never get it back no matter what.
Regarding when to start, the time is now. The younger you are the more your money can grow. Even if you think well I'm older now you can still start. Today is the day, whether you are 20 or 50!!!
Next question... "I give to charity but isn't getting a receipt kind of tacky and self righteous?"
Flatly I will say it is foolish. The Gov't gives you about 43% return on all donations over 200 dollars per year. Even the first 200 they give you about 29% back. If the gov't is willing to fork over that amount why wouldn't you take it. You could give more to charity if it makes you feel better about it.
If the charity isn't able to give donation receipts because they aren't recognized by the gov't then I'd question the legitimacy of said charity. I don't mean you can't give 10 bucks to the youth soccer team planning a trip or give a few bucks to a Sally ann kettle without getting a receipt but anything significant might as well be claimed.
Last question... "I took my t4s to a tax preparing place(you can guess the name) and had them do it for me. It only cost me x amount of my return. Cool eh?"
Tax prep places are there to take your cash. Truth is most peoples returns are not very difficult to prepare(even for you). These places take an exorbitant fee and often miss simple things that you should get credit for. Your taxes may take a couple of hours to prepare and about 6 weeks for processing. Then you will get your whole return and in the mean time you can figure oiut what to spend it on. Please don't take it to those places. They are a rip off.
Happy tax season everybody :)
Blessings, James
I'll leave you with the great quote about taxes...
Things I hear....
"I don't want to work too much OT or I'll end up in a higher tax bracket."
At one time(long ago) this statement was true. However our taxation laws changed many years ago and it is much more fair to low wage earners IMO. There are tax thresholds and if you make it past certain thresholds you do pay higher tax rates but only on the overage. For example....
If you made 45k in a year the first 35,859 would be taxed at a rate of 20.06%. From 35,859 to 40970 would be taxed at 22.7%(only what you made over 35859) and from 40970 to 45000 would be taxed at 29.7%. So if you were fortunate enough to get more work yes you would be taxed at a higher rate but only on that overage.
Making more money is always going to end up with more money in your pocket. Now there is a fine line in there where HST rebate cheques stop coming so you must be careful but you can utilize RRSPs to drop your taxable income back below these thresholds if you are right in the cut line. Most people are either gonna be discernably above or below those thresholds. This year I am using only part of my RRSPs and deferring most until next year but you must purchase your RRSPs before March 1st to have that option at your disposal.
Next question... "My company has an RRSP plan but I'm not sure if it is a good idea or not."
If there is a matching component to your company plan(there almost always is) then it is an absolutely great idea. Your company is paying you extra money. What doesn't sound alright about that? The other thing about it that is good is it saves money for you. If your cheque is 30 bucks smaller you will survive right? People tend to not be particularily good savers on their own so why not have your company do it for you. It is an absolutely great idea so do it.
Next question... "I don't do RRSPs but I have a tax free savings account so isn't that pretty much the same?"
No, it is not. You just don't pay tax on the interest accrued. The interest is usually pretty low(2 or maybe 3 percent normally). RRSPs are a tax shelter where the entire amount including any interest is pretax. On to the next question.
Next question... "Why should I do RRSPs and when should I start?"
They are a tax shelter. Any eligible amount put into one drops your income level for the year which is a minimum 20.06% tax savings. At some later time(hopefully after retirement) when you withdraw the money you will then have to pay tax on it however in the interim you have been able to make money off the governments portion and if you are creative you may be able to reduce the amount of tax you pay at that time.
Some wise man once said to me regarding RRSPs "the thing is once you give taxation the money it is gone forever". Once it is gone you'll never get it back no matter what.
Regarding when to start, the time is now. The younger you are the more your money can grow. Even if you think well I'm older now you can still start. Today is the day, whether you are 20 or 50!!!
Next question... "I give to charity but isn't getting a receipt kind of tacky and self righteous?"
Flatly I will say it is foolish. The Gov't gives you about 43% return on all donations over 200 dollars per year. Even the first 200 they give you about 29% back. If the gov't is willing to fork over that amount why wouldn't you take it. You could give more to charity if it makes you feel better about it.
If the charity isn't able to give donation receipts because they aren't recognized by the gov't then I'd question the legitimacy of said charity. I don't mean you can't give 10 bucks to the youth soccer team planning a trip or give a few bucks to a Sally ann kettle without getting a receipt but anything significant might as well be claimed.
Last question... "I took my t4s to a tax preparing place(you can guess the name) and had them do it for me. It only cost me x amount of my return. Cool eh?"
Tax prep places are there to take your cash. Truth is most peoples returns are not very difficult to prepare(even for you). These places take an exorbitant fee and often miss simple things that you should get credit for. Your taxes may take a couple of hours to prepare and about 6 weeks for processing. Then you will get your whole return and in the mean time you can figure oiut what to spend it on. Please don't take it to those places. They are a rip off.
Happy tax season everybody :)
Blessings, James
I'll leave you with the great quote about taxes...
Tuesday, February 22, 2011
A Christ follower living in a secular world: Sarcasm, the darker side of irony
A Christ follower living in a secular world: Sarcasm, the darker side of irony: "Sarcasm is very prevalent in todays society. In this postmodern culture it is often considered harmless playfulness. In reality it is always..."
Sarcasm, the darker side of irony
Sarcasm is very prevalent in todays society. In this postmodern culture it is often considered harmless playfulness. In reality it is always cutting someone or something down. It is very negative and damaging.
I have been known to be sarcastic. I remember specific incidents where I used sarcasm in such a way to be very cutting of one person who was not bright enough to get it. Meanwhile their love interest was sitting there getting what I'm saying and seething at me. I was trying to "help" that person see how dumb their partner was and break it off. Eventually I went way too far with this line of derogatory sarcastic behavior and destroyed a long term friendship in the process. That was many years ago and I've changed a great deal since then but even now I can have a sharp tongue and I let it slip out occasionally.
Let's see what the dictionary has on sarcasm....
1. harsh or bitter derision or irony.
I have been known to be sarcastic. I remember specific incidents where I used sarcasm in such a way to be very cutting of one person who was not bright enough to get it. Meanwhile their love interest was sitting there getting what I'm saying and seething at me. I was trying to "help" that person see how dumb their partner was and break it off. Eventually I went way too far with this line of derogatory sarcastic behavior and destroyed a long term friendship in the process. That was many years ago and I've changed a great deal since then but even now I can have a sharp tongue and I let it slip out occasionally.
Let's see what the dictionary has on sarcasm....
1. harsh or bitter derision or irony.
2. a sharply ironical taunt; sneering or cutting remark: a review full of sarcasms.
Yikes, I don't like the sound of that. I don't want to be like that. Do you? Sounds rather cynical to me.
Why do we as a society have this need to belittle? Is it really necessary to cut other people down to size or squish them beneath our superior intellect? I don't know the answer. I think it is just a pop culture thing that has got totally out of control where bad behavior has become acceptable and good behavior is treated with contempt and mistrust.
Much like gossip, there just isn't a positive aspect to sarcasm. It is hurtful plain and simple. Both for the author and the subject. Totally unnecessary dialogue that really needs to be held in check. It is often a personal attack dressed up as a joke but born out of bitterness. It can be at a company, organization or government too and again it is bitter root judgement.
Irony is simply saying one thing while meaning the opposite but sarcasm comes from our hurt and inflicts other victims. How about checking the sarcasm at the door one day and when you want to say something sarcastic try saying something kindly. Instead of cutting down someone praise their positive qualities. Try it for a day and see how you feel. I'm guessing you'll have a good day and if you do then try it again the next day. If you fall again into the trap of sarcasm don't despair. Get back up and dust yourself off. There's always going to be the opportunity to do the right thing next time but why wait that long?!? Take the high road and I'm sure you'll enjoy the view.
Blessings, James
Sunday, February 20, 2011
A Christ follower living in a secular world: My core values, words I desire to live by...
A Christ follower living in a secular world: My core values, words I desire to live by...: "Companies and institutions develop core values or principles. Often they rarely live up to them. I too have core values which I try ver..."
My core values, words I desire to live by...
Companies and institutions develop core values or principles. Often they rarely live up to them. I too have core values which I try very hard to live up to. By publishing them perhaps then others will read it and remind me if I am not up to my own standards. Everyone needs accountability. I'll paraphrase what Paul said in his letter to the believers in Rome: I know what is good but I don't always do it, what I know to be bad, this I keep on doing.
So here it goes:
#1. To treat others with respect and dignity. To never belittle a person.
#2. To never be wise in my own eyes.
#3. To be truthful and trustworthy.
#4. To be a good steward(morally, financially, etc.).
#5. To never hold a grudge.
#6. To always give my best effort in anything I do.
#7. To love people just the way they are. Not their attitudes or actions but the actual human being.
#8. Leave room for God's judgement and not to try and do his job for him.
#9. Pray regularily, not out of habit but out of desire.
#10. Read my bible every day.
#11. To be open minded when it comes to people and concepts.
#12. To be an active listener/good communicator.
Please, if any of you who read this know me outside of the cyber world would remind me of this if you see me not living up to it I would very much appreciate it.
Thank you!
Blessings, James
So here it goes:
#1. To treat others with respect and dignity. To never belittle a person.
#2. To never be wise in my own eyes.
#3. To be truthful and trustworthy.
#4. To be a good steward(morally, financially, etc.).
#5. To never hold a grudge.
#6. To always give my best effort in anything I do.
#7. To love people just the way they are. Not their attitudes or actions but the actual human being.
#8. Leave room for God's judgement and not to try and do his job for him.
#9. Pray regularily, not out of habit but out of desire.
#10. Read my bible every day.
#11. To be open minded when it comes to people and concepts.
#12. To be an active listener/good communicator.
Please, if any of you who read this know me outside of the cyber world would remind me of this if you see me not living up to it I would very much appreciate it.
Thank you!
Blessings, James
Monday, February 14, 2011
A Christ follower living in a secular world: The past, not to be lived in but also not to be fo...
A Christ follower living in a secular world: The past, not to be lived in but also not to be fo...: "In recent times I've been contacting old friends, people I went to school with and people I worked with via facebook and I noticed something..."
The past, not to be lived in but also not to be forgotten
In recent times I've been contacting old friends, people I went to school with and people I worked with via facebook and I noticed something that seems pretty common. People have very little recollection of the past and don't really want to remember. My personality type(green) tends to be very reflective and I have a very good memory of places and events. A lot of things that have happened in my life are good but a few events that were not so good have come to the surface with these exchanges I've been having. I'm totally okay with what has happened in my life(the good and the bad) because it has made me who I am today and I like who I am. Most of these exchanges I've had have abruptly ended and I really don't know why. I ask questions and I really genuinely care about these people but I think I touch on areas they just don't want to go to so they shut down.
The truth is, you can do nothing to change your past. It is what it is. However there is a lot that can be learned from your path. The longer you live the more potential you have for solving problems because you've been there before(or at least a similar situation). Repressing memories is just a coping mechanism to live on in denial of what has been done to you or what you've done to others. A lot of the bad things that have happened have either happened to you or were accidental on your part. Not a lot of people set out to intentionally hurt people, most of it is done in the name of fun and is often born out of your own hurt. If you don't deal with it then it will be repeated again and again. No one is perfect. I've done things I've felt remorse for. I had terrible things done to me but I don't hold a grudge. Carrying around that hurt just makes it worse. Forgiveness is the key. I made a lot of apologies in recent years for things I've done over my life. Some in person, some via email and some just to God(for people I can't contact any other way) and I've forgiven every thing that ever happened to me that I remember and when something I've forgotten is remembered I go through the whole process. I don't want to carry around pain. It is just not healthy nor necessary.
Several years ago I went through a program at a church called Freedom session. It is a Biblically based 12 step program developed by Ken Dyck and it is for anyone who has ever hurt or been hurt. You don't have to be an alcoholic or addict of any sort to have a need for healing through the process of handing your hurts over to God so he can heal them. It was an intense time of deep introspection and I didn't like it some of the time. I had to be steadfast as I saw most of my brothers in my group drop out. It went for 9 months and my group of 12 shrank to 5 by the 4 month mark and was down to 2 by the end. It was difficult but very rewarding. Even after it finished I wasn't sure how helpful it was but as time has gone on I can see how its benefits have grown fruit in my life.
I continue to take inventory in my life and when I realize I've done something wrong I seek forgiveness. As for the hurts others try to impose on me I don't take them personally. I know where it is coming from and can forgive them. Often instantly but at times I need to work through it. Life is a process.
Your past should be embraced as a part of who you are. Those who don't learn the lessons of the past are doomed to repeat them in the future.
If you want more info on Freedom Session click here .
Blessings, James
The truth is, you can do nothing to change your past. It is what it is. However there is a lot that can be learned from your path. The longer you live the more potential you have for solving problems because you've been there before(or at least a similar situation). Repressing memories is just a coping mechanism to live on in denial of what has been done to you or what you've done to others. A lot of the bad things that have happened have either happened to you or were accidental on your part. Not a lot of people set out to intentionally hurt people, most of it is done in the name of fun and is often born out of your own hurt. If you don't deal with it then it will be repeated again and again. No one is perfect. I've done things I've felt remorse for. I had terrible things done to me but I don't hold a grudge. Carrying around that hurt just makes it worse. Forgiveness is the key. I made a lot of apologies in recent years for things I've done over my life. Some in person, some via email and some just to God(for people I can't contact any other way) and I've forgiven every thing that ever happened to me that I remember and when something I've forgotten is remembered I go through the whole process. I don't want to carry around pain. It is just not healthy nor necessary.
Several years ago I went through a program at a church called Freedom session. It is a Biblically based 12 step program developed by Ken Dyck and it is for anyone who has ever hurt or been hurt. You don't have to be an alcoholic or addict of any sort to have a need for healing through the process of handing your hurts over to God so he can heal them. It was an intense time of deep introspection and I didn't like it some of the time. I had to be steadfast as I saw most of my brothers in my group drop out. It went for 9 months and my group of 12 shrank to 5 by the 4 month mark and was down to 2 by the end. It was difficult but very rewarding. Even after it finished I wasn't sure how helpful it was but as time has gone on I can see how its benefits have grown fruit in my life.
I continue to take inventory in my life and when I realize I've done something wrong I seek forgiveness. As for the hurts others try to impose on me I don't take them personally. I know where it is coming from and can forgive them. Often instantly but at times I need to work through it. Life is a process.
Your past should be embraced as a part of who you are. Those who don't learn the lessons of the past are doomed to repeat them in the future.
If you want more info on Freedom Session click here .
Blessings, James
Friday, February 11, 2011
Pride, a dangerous thing for the soul.
Many people think that pride is an essential part of who they are. They wear their pride like armour to protect themselves from outside interference. It can drive them to do things, sometimes dangerous things, just to prove their worth. I was once very prideful and still can be so I know what I am talking about. But lets define pride and then start by looking at the different aspects of it.
Here is what dictionary.com has...
1. a high or inordinate opinion of one's own dignity, importance, merit, or superiority, whether as cherished in the mind or as displayed in bearing, conduct, etc.
2.
the state or feeling of being proud.
3.
a becoming or dignified sense of what is due to oneself or one's position or character; self-respect; self-esteem.
4.
pleasure or satisfaction taken in something done by or belonging to oneself or believed to reflect credit upon oneself: civic pride.
5.
something that causes a person or persons to be proud: His art collection was the pride of the family.
So there is pride in oneself, there is pride in accomplishment, there is pride in ownership and none of these things are wrong in good measure but all of them can be taken to extremes if they are not mixed with a sense of humility and discretion.
Someone who is prideful will be described as brash, egotistical, arrogant, self righteous, big headed, cocky, conceited, vain and so on. Do you want to be considered any one of those? I know I sure don't. At one time I definitely was at least some of those and perhaps still am but I recognize how wrong a way that is to be.
The bible is very clear on how God views pride. Here's just a sampling....
Love the LORD, all his faithful people! The LORD preserves those who are true to him, but the proud he pays back in full.
Rise up, Judge of the earth; pay back to the proud what they deserve.
Haughty eyes and a proud heart— the unplowed field of the wicked—produce sin.
When pride comes, then comes disgrace, but with humility comes wisdom.
God opposes the proud but gives grace to the humble.
So you see how the Bible views pride. In my opinion it is a balancing act and you have to find the right balance in order to be truly happy. Pride can make you carry a heavy load and struggle with it when you could use a cart to carry it or ask a friend for help. It can stop you from asking a question because you worry people will think you're foolish for asking it so you glide along in ignorance or get stuck in a situation which is much worse than the perceived dumb question posed. Pride can make you boastful about one of your children/siblings/friends while making the others feel worthless or lesser worthy of your attention. Your words are important, be thoughtful of what you are saying and your audience.
Pride comes before the fall, not after. Be wise to not be overly proud or overly humble. Anything in extreme is dangerous for your life and your ultimate enjoyment in it. Even in humilty you can become proud. There once was a man given a plaque for being the humblest man alive which he accepted after much prompting from his friends/family. When he got home, he hung on the wall in a prominent place so everyone would see it when they arrived at his front hall. The next day they took it away. Humility is what others see in you, the moment you start boasting of your humility then you are no longer humble but proud.
I'll end it with a quote of C.S. Lewis....
A man who is eating or lying with his wife or preparing to go to sleep in humility, thankfulness and temperance, is, by Christian standards, in an infinitely higher state than one who is listening to Bach or reading Plato in a state of pride.
Blessings!!
Here is what dictionary.com has...
1. a high or inordinate opinion of one's own dignity, importance, merit, or superiority, whether as cherished in the mind or as displayed in bearing, conduct, etc.
2.
the state or feeling of being proud.
3.
a becoming or dignified sense of what is due to oneself or one's position or character; self-respect; self-esteem.
4.
pleasure or satisfaction taken in something done by or belonging to oneself or believed to reflect credit upon oneself: civic pride.
5.
something that causes a person or persons to be proud: His art collection was the pride of the family.
So there is pride in oneself, there is pride in accomplishment, there is pride in ownership and none of these things are wrong in good measure but all of them can be taken to extremes if they are not mixed with a sense of humility and discretion.
Someone who is prideful will be described as brash, egotistical, arrogant, self righteous, big headed, cocky, conceited, vain and so on. Do you want to be considered any one of those? I know I sure don't. At one time I definitely was at least some of those and perhaps still am but I recognize how wrong a way that is to be.
The bible is very clear on how God views pride. Here's just a sampling....
Love the LORD, all his faithful people! The LORD preserves those who are true to him, but the proud he pays back in full.
Rise up, Judge of the earth; pay back to the proud what they deserve.
Haughty eyes and a proud heart— the unplowed field of the wicked—produce sin.
When pride comes, then comes disgrace, but with humility comes wisdom.
God opposes the proud but gives grace to the humble.
So you see how the Bible views pride. In my opinion it is a balancing act and you have to find the right balance in order to be truly happy. Pride can make you carry a heavy load and struggle with it when you could use a cart to carry it or ask a friend for help. It can stop you from asking a question because you worry people will think you're foolish for asking it so you glide along in ignorance or get stuck in a situation which is much worse than the perceived dumb question posed. Pride can make you boastful about one of your children/siblings/friends while making the others feel worthless or lesser worthy of your attention. Your words are important, be thoughtful of what you are saying and your audience.
Pride comes before the fall, not after. Be wise to not be overly proud or overly humble. Anything in extreme is dangerous for your life and your ultimate enjoyment in it. Even in humilty you can become proud. There once was a man given a plaque for being the humblest man alive which he accepted after much prompting from his friends/family. When he got home, he hung on the wall in a prominent place so everyone would see it when they arrived at his front hall. The next day they took it away. Humility is what others see in you, the moment you start boasting of your humility then you are no longer humble but proud.
I'll end it with a quote of C.S. Lewis....
A man who is eating or lying with his wife or preparing to go to sleep in humility, thankfulness and temperance, is, by Christian standards, in an infinitely higher state than one who is listening to Bach or reading Plato in a state of pride.
Blessings!!
Thursday, February 3, 2011
A Christ follower living in a secular world: White sugar update
A Christ follower living in a secular world: White sugar update: "I had a long winded blog about white sugar about 3 weeks ago. Just a little update as to what has happened in the weeks since. In 3 or 4&nbs..."
Tuesday, February 1, 2011
A Christ follower living in a secular world: The REAL high price of fast food
A Christ follower living in a secular world: The REAL high price of fast food: "It seems to me that at one time fast food restaurants were a cheap alternative when eating out. Nowadays the prices in reality aren't a lot ..."
The REAL high price of fast food
It seems to me that at one time fast food restaurants were a cheap alternative when eating out. Nowadays the prices in reality aren't a lot less(if any at all) than what you'd pay in a sit down full serve restaurant unless you go to a high end place. Now there are some healthier choices available but most of the foods offered have poor nutritional values and a lot of negatives for your health(both short and long term). They also push combos and try to get you to buy a pop(which is absolutely horrible stuff for your body).
The appeal of it is that it is tasty and quick. You don't have to think about it too hard when making up your mind on what to have and you can move on with your day. There is no planning involved and little effort. I used to be much like others in that I ate in places like that several days a week.
Over time and with effort I have weaned myself off of those places. The last time I went to BK(I hadn't been there in months) a couple of weeks back I had some deliciously decadent food that tasted good but left me feeling not so well an hour afterward. If you are going to do fast food there are better choices than BK. Subway is pretty good although their bread is packed with white sugar. Wendy's has a decent array of salads and such. For your own sake stay away from the burgers and the pop. Those are deadly and although the fries are not fried in trans fat anymore they are still very fatty and in most places the fries are coated with a sugar combination to give them that golden brown appearance.
So take some time to think about it. It will take time and discipline to change your eating habits. I have lost weight and my energy levels have improved since adopting a healthier attitude towards food. For me the benefits have been wonderful and I've saved some money too but there is more to life than money. You don't have to stop all at once. Little by little chip away at it and see how it makes a difference. Don't get discouraged and never ever give up. Start slowly and finish strong and healthy.
Blessings, James
The appeal of it is that it is tasty and quick. You don't have to think about it too hard when making up your mind on what to have and you can move on with your day. There is no planning involved and little effort. I used to be much like others in that I ate in places like that several days a week.
Over time and with effort I have weaned myself off of those places. The last time I went to BK(I hadn't been there in months) a couple of weeks back I had some deliciously decadent food that tasted good but left me feeling not so well an hour afterward. If you are going to do fast food there are better choices than BK. Subway is pretty good although their bread is packed with white sugar. Wendy's has a decent array of salads and such. For your own sake stay away from the burgers and the pop. Those are deadly and although the fries are not fried in trans fat anymore they are still very fatty and in most places the fries are coated with a sugar combination to give them that golden brown appearance.
So take some time to think about it. It will take time and discipline to change your eating habits. I have lost weight and my energy levels have improved since adopting a healthier attitude towards food. For me the benefits have been wonderful and I've saved some money too but there is more to life than money. You don't have to stop all at once. Little by little chip away at it and see how it makes a difference. Don't get discouraged and never ever give up. Start slowly and finish strong and healthy.
Blessings, James
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