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My 10 rules to stay sexy and save money

Stay thin without spending money at the gym

Every January, millions of people take out annual membership of gyms they’ll rarely visit, hoping to achieve a svelte version of themselves that in reality they’ll never see again.

Great for the gym industry, which gets its money without having to mop up the missing customer’s sweat, but not so good for the hopeful tubbies, who get fatter, unhealthier, and poorer, too.

I have a dear friend who, being a doctor, knew better than most he needed to lose weight, but who visited the City gym he’d joined no more than half a dozen times a year.

My friend could have had a cheap day away in Paris for the price of day’s attendance at his gym at that rate! Worse, he kept this membership rolling for nearly a decade.

My friend is psychologist, so he really should have known better. But like most of us, he’s better at seeing the problems in other people than himself. He didn’t appreciate he was buying off his good intentions with his gym membership, making it less likely he’d lose weight by joining the gym than if he’d never signed up at all.

Some people love gyms: The shine of well-buffed biceps, the smell of sticky Lycra, the possibility of an illicit affair that starts with a mutual dash for the one spinning machine.

I hate gyms, and only visit the ones in high-end hotels when the alternative is work. And yet here I am, the same weight I was two decades ago when I was still at university and being regularly asked for ‘my secret’ to staying thin.

Since I’ve got a blog, I’ve no excuse not to share my thoughts with my dear but differently weighted readers. Read on, and you’ll never have an excuse again.

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Three reasons to keep buying British

Buy British shares

Today the FTSE 100 touched the level it was at before Lehman Brothers collapsed in October 2008, the markets tanked, and we all checked our cupboards for cans of baked beans.

But more interesting is that of the major developed markets, the UK has risen the most since then. The U.S. and the Japanese markets are still more than 10% below their pre-Lehman crash levels.

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Steep yield curve means equities could fly

The steep yield curve could mean good returns for equities

A pretty good predictor of strong stock market returns is the US Treasury yield curve. And right now this signal is bleeping a strong ‘buy’ signal, if you’re not too scared of bear markets to listen.

A yield curve plots the interest rates (yields) on short, medium and long-term interest rates over a particular time period.

With government bonds, the yield curve typically charts the yields on very short-term securities that will mature in a matter of months, through medium term bonds, up to 30-year long bonds.

Due to the time value of money, longer-term bonds normally pay higher interest rates than short maturities, so the curve usually (but not always!) slopes gently upwards as you go further out in time.

Sometimes, however, the yield curve steepens.

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Weekend reading: Blog battle of the sexes

Money articles

My regular roundup of the week’s blog and financial site links.

I don’t know exactly what I think about feminism, and in particular demands that more should be done to promote equality of outcomes for men and women in career and pay.

I say ‘outcomes’ because that is different from ‘opportunity’.

To me it’s very clear that a woman who wants to achieve something professionally, who has all the talent and drive of her male equivalent – and who will put the same hours in – should meet no prejudice.

But that is not the same it should be made easier for her then for a man.

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