October 31
Friday, October 31st, 2008
Categories: Family, Personal — Len @ 6:01 am

7 years.  But we have lots to be thankful for.  I love you Jen.

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Coding and Coding Some More…
Monday, October 13th, 2008
Categories: Financial, Technology — Len @ 10:00 pm

My how life goes full circle.  I have returned to the life of web programming after an almost 3 year hiatus.  I was a programmer for Dendrite for 6 1/2 years, and I have over 10 years of programming experience.  By the end of my run with Dendrite, I was so  disgusted with programming.  Some of it was burn out.  Most of it was disgust because my company (and many others) were outsourcing programming jobs to India.  And that’s the main reason that I was laid-off.  At that point in my life, I vowed never to program again.

Well, here I am programming in my spare time.  I decided to do some freelance programming work.  My original intent was to be able to bring in extra income from home.  When I first started looking, I found some sites where you could “bid” for work.  Programming projects that started at a $1000 bid were outbid by people offshore in India and other 3rd world countries for $100.  That would probably work out to $10 per hour, far less than the $50 to $100 per hour that I expect to make.  I was annoyed.

I was fortunate enough to be contacted by a company that provided the opportunity to make money for projects that they have sold.  They are one of the top web hosting companies in the country, so I decided to give it a shot.  I had to submit a programming test and I was accepted.  Now, I get to choose any project that I want and I know exactly how much I’m going to get paid in advance.  Granted, some of them are easy, some of them take more time than I anticipated.  But all-in-all, it has been a good run so far.

I started making money right away.  And my weekly paychecks are getting higher.  The more I do, the easier it gets.  It was a rough start though.  I am able to save every penny that I make.  It goes right to the kitty.  My goal is to make 50% of my full-time income and save it all.  It has been a little stressful, because between my regular job, family, and this, I hardly have any time.  This weekend, though, I pretty much ditched all work and had a great family weekend.  It was a relief and I enjoyed every second of it.

Back to the programming…  I have always been interested in technology, but I have shunned it as my calling.  But no matter what I do, I find myself drawn to it.  So I have decided to embrace it.  I never thought that I would want to make a business out of software because that is what I have done full-time for so long.  But here I am…  I am forming a new corporation - Perroots Software, LLC.  Right now, I am using my existing corporation Perroots Enterprises, LLC for my programming, but that company was originally set up for real estate.  The new company will be a Nevada corporation, which means…  No state income taxes.  And since I have a residence in Nevada, this will certainly help me save lots of money!

I am excited about my new endeavor.  The best part is getting paper checks and depositing them into my savings!  I don’t think I even want to switch it to direct deposit!  

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Top FDIC Insured Savings Accounts
Wednesday, October 8th, 2008
Categories: Financial — Len @ 10:10 am

FDIC is all the buzz these days.  With the collapse of the economy, you probably want to move at least some of your money to an FDIC-insured savings account.  Here are some of the top-paying banks where you can open a savings account online:

Dollar Savings Direct (Emigrant Bank) Type: Savings    Yield: 3.75%
Flagstar Bank Type: Money Market    Yield: 3.65%
Nationwide Bank Type: Money Market   Yield: 3.52%
HSBC Direct Type: Savings    Yield: 3.25%
ING Direct Type: Savings   Yield: 3.00%

More banks and info at bankrate.com.

Now this is not going to make you rich, but the returns are much better than your local bank.  It’s all about capital preservation now.  You may as well take advantage of these high-yield paying banks.  If you don’t need the money in the short-term, you can get CDs for a variety of lengths.  They are generally paying up to 1% more than the savings and money market funds.

I chose Nationwide Bank because I have used their mortgage company and insurance company several times.  Plus they had good reviews.  I also opened an HSBC Direct account but I haven’t funded it yet.

The FDIC now insures up to $250,000 per depositer per bank up until December 2009.  This now includes money market funds sold by member banks.  View the press release on the FDIC’s website.

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The Food That I Eat…
Saturday, October 4th, 2008
Categories: Food, Personal — Len @ 8:17 pm

Due to the success of my “Not Diet“, I am frequently asked by people what I eat. You can refer to my other blogs to see the foods that I don’t eat, but I decided to focus this blog on the things I do eat and the nutritional information of each.  I will tell you to beware of anything labeled “Low Calorie” - because many times the carbs are sky high.  And the opposite is true of foods labeled “Low Carb” - you need to watch the calories on those.  But with lots of comparisons of nutritional labels between products, you will learn what is good and what is not.  Balance is the key.

Other than the basic chicken, veal, lean beef, turkey and fresh vegetables, here is a partial list of the things that I eat:

Egg Beaters
Serving Size: 1/4 cup
Calories: 30; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 1g; Fiber: 0g; Protein: 6g; Sodium:115mg
Notes: I eat an Egg Beater omelet everyday, with 2 slices of Naturally Slender American Cheese and fresh vegetables. The omelet is made with Pam instead of butter. No toast. I also have 1 cup of coffee, no sugar or milk.

Land-o-Lakes Naturally Slender American Cheese
Serving Size: 1 ounce
Calories: 90; Calories from Fat: 60; Total Fat: 6g; Trans Fat: 0g; Carbs: 3g; Fiber: 1g; Protein: 23g; Sodium: 50mg
Notes: 2 slices daily.

Protein Shake (EAS Brand from BJs)
Serving Size: 1 scoop (30g)
Calories: 130; Calories from Fat: 25; Total Fat: 2.5g; Trans Fat: 0g; Carbs: 1g; Fiber: 0g; Protein: 7g; Sodium: 380mg
Notes: I have 2 scoops with water at 10am and again at 2pm 5 days per week.

Pure Protein brand High Protein Bar (from BJs)
Serving Size: 1 bar
Calories: 190; Calories from Fat: 160; Total Fat: 6g; Trans Fat: 0g; Carbs: 17g; Fiber: 1g; Protein: 20g; Sodium: 210mg
Notes: I don’t have these as much anymore. I usually only have them if I’m on the road or when I’m not at work.

Beefsteak Soft Rye
Serving Size: 1 slice
Calories: 60; Calories from Fat: 5; Total Fat: 0.5g; Trans Fat: 0g; Carbs: 12g; Fiber: 0g; Protein: 2g; Sodium: 130mg
Notes: Less calories and carbs than “Low-carb” and “Reduced Calorie” branded bread. This bread has the best of both worlds- low carbs and low calories. This bread is lower in carbs than any whole wheat bread I have ever seen. This has better nutrition than Weight Watchers brand bread. This is the regular blue-labeled bread.

Ballpark Fat Free Franks
Serving Size: 1 frank
Calories: 40; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 4g; Fiber: 0g; Protein: 5g; Sodium: 420mg
Notes: I have these once in a while with horseradish mustard. No bread.

Fresh Spinach
Serving Size: 4 cups or 85g
Calories: 20; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 3g; Fiber:2g; Protein:2g; Sodium: 65mg
Notes: I eat about 3 times the above serving size of fresh spinach 3 to 5 nights per week. Plus I often have spinach at lunch.

Country Crock Omega Plus Light
Serving Size: 1 Tbsp
Calories: 50; Calories from Fat: 45; Total Fat: 5g; Trans Fat: 0g; Carbs: 0g; Fiber: 0g; Protein: 0g; Sodium: 80mg
Notes: I put about 2 Tbsp on my spinach. By the way, this brand is the exactly the same product as I Can’t Believe It’s Not Butter Light.

Seltzer
Calories: 0; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 0g; Fiber: 0g; Protein: 0g
Notes: I’ve gotta break up the water with something else.

Heinz One Carb Ketchup
Serving Size: 1 Tbsp
Calories: 5; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 1g; Fiber: 0g; Protein: 0g; Sodium: 190mg
Notes: I hardly use ketchup at all anymore.

Horseradish Mustard
Serving Size: 1Tsp
Calories: 5; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 0g; Fiber: 0g; Protein: 0g; Sodium: 60mg

Vlasic Kisher Dill Pickle Spear
Serving Size: 2/3 spear
Calories: 5; Calories from Fat: 0; Total Fat: 0g; Trans Fat: 0g; Carbs: 1g; Fiber: 0g; Protein: 0g; Sodium: 210mg
Notes: This is usually my snack packed with my lunch 4 or 5 days per week.

Hellmann’s Reduced Fat Mayo
Serving Size: 1 Tbsp
Calories: 20; Calories from Fat: 20; Total Fat: 2g; Trans Fat: 0g; Carbs: 1g; Fiber: 0g; Protein: 0g; Sodium: 125mg
Notes: When I have sandwiches, I spread a little of this on.

33 pounds lost since the end of May and I feel great!  Now the pounds come off slower, but at a nice, healthy pace.  My guess is that I will drop 10 more pounds, but we will see…

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My “Not Diet” Update
Friday, September 19th, 2008
Categories: Food, Personal — Len @ 9:52 am

(This is an update to my original blog “My Not Diet“)

Well, I can’t believe it, but my results have been truly a success.  Since the end of May 2008, I have lost a total of 31 pounds!  I pretty much lost all of the inner tube that took me 15 years to build!  It’s a great feeling.  The best part of all is that I feel good about the way I have been eating and it is not a struggle at all.  It has been a total lifestyle change.  Hence, the name “Not Diet“.

I have slowly allowed some “bad” carbs into my eating - after all, anything in moderation is OK.  I am happy to say that I am now OK with occasional mashed potatoes (yummy!), whole wheat pasta and pizza (double yummy!).  I even had a lite beer last week after mowing the lawn!  Because of the ongoing healthy eating, that allows me to “indulge” once in a while in the things that are not a part of my daily eating regimen.

Of the above 3 foods, the worst one is the pizza because of the white flour.  It’s that white bleached flour that creates fat.  For that reason, I opt for whole wheat anything if I can.  No doubt that your body needs carbs to create energy, but they may as well be good carbs.

So now after 4 months, here is my updated regimen:

  • Low carbs.  I do not regularly eat pasta, potatoes, rice, pizza, etc…  I am mindful of when I eat foods with carbs and when I eat them, I look for carbs with high fiber.
  • I still have a protein shake or protein bar at 10am and 2pm daily.
  • I drink about 1 gallon of water per day
  • My bread intake is reduced but I do eat some rye bread and whole wheat wraps on a weekly basis.
  • Nothing fried in vegetable, corn or canola oil.  Olive oil only.
  • Lots and lots of fresh leafy greens - spinach, broccoli rabe, etc…  Lots of peppers and onions.
  • A lot of chicken, pork, veal.
  • I eat lean beef occasionally, but I’ve reduced my beef intake for no other reason than cholesterol.
  • I still hate fish so I won’t ever eat it.
  • Eggs.  I’ve switched to Egg Beaters on a daily basis due to cholesterol content.  Each yolk is 70% of the USDA recommended daily allowance, so if you have 2 eggs, you’ve exceeded this.  That’s no good.  Egg Beaters are all real egg without the yolk.  So I have regular eggs once in a while when I need to have some “dippy eggs”.
  • I’ve eliminated butter at home.  I replaced with “I can’t believe it’s not butter” or an equivalent.  If I’m out dining or over someone’s house, I will have butter.
  • I’ve greatly reduced my salt intake.
  • No processed foods.  I can’t eliminate it completely, but for the most part, I eat fresh nonprocessed food.
  • Portion control.  I don’t think you can eat as much chicken and other high-protein foods as you want (Ahem Atkins).  When I first started this whole thing, I still consumed a lot of food.  And that worked for a little while.  But reducing my intake has helped dramatically.  Did you know that the average American consumes about 4000 calories per day??  I do not count calories at all, but my guess is that I consume anywhere between 1500 - 1800 per day.  Sometimes more than that, never less than that.

So, in the end, I’ve gone from 196 pounds to 165.  I’m often asked how much more weight am I going to lose.  My answer to that is whatever my body wants.  I “think” I could stand to lose another 10 pounds of fat.  And if my body feels that way based on my healthy eating, then so be it.  But I’m not going to force myself to lose more weight by taking any drastic measures.  I feel really good about what I have done so far.  Now if I could only make the time to actually work out, then I’d look really good!

I do think that when I start to work out again, I will gain weight - muscle weight.  I’m 100% fine with that.  I’m not fixated on a number on the scale so much as how I actually look and feel.

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