A good friend in England tells me that he is thinking of joining a gym this year to trim some pounds from his waistline. Based upon first-hand knowledge on this side of he pond, the only thing that may get trimmed will be the money belt around his waist.

The supreme optimists believe that joining a gym, as part of their New Year's resolutions, will enable them to lose weight and get fit. Sure, but unless you have the discipline to stay committed and maximize use of that membership, it will be your pocket rather than your physique that will be shedding the pounds. Research from one London bank reveals that three million people in England took out new gym memberships during the first two weeks of January with a further four million planning to do so.

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