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When starting any weight loss and dieting regimen, people make assumptions based on common fitness myths, believing incorrectly that any plan will work for them. The reason that so many diets fail is that people refuse to understand that they are settling for a generic personal fitness program - and, more commonly, one that is not suited for their body type, shape, or weight. The many factors that need to be considered, simply put, are not. A regimen that affects your body should involve time and thought, and be prepared only after sufficient research. Many factors come into play - how exercises affect your muscles and why this should be taken into account, the necessity of tailoring goals suitable to your needs, and ensuring that your diet matches your personal fitness program. immediate loan on 2007 tax refund consern loan ups student loan bankruptcy discharge stafford loans disbursement dates credit union auto loan rates