Firefan

Tropo; I do not disagree. Like you mention when I say "to failure" I should probably say "to failure - light version" I.e. going to failure point but NOT beyond. And not hammering the same muscles with MORE sets and exercises after that point is reached.

For newbies (and even experienced lifters) that can be quite a difficult  target to find.

For the typical weight trainer a couple of times a week over training is hardly a problem, but for more serious trainers with 4-6 sessions a wk (some even do twice a day!) it is certainly an issue. I have been there myself and have found that scaling back gave me better gains, less injuries AND more time for other stuff!

Cheers!

I use Iherb.com. They ship to Thailand and have the lowest airfreight costs I have seen. If you use this code YOQ460 (or one of the other codes found on the internet) you get USD 5 of your first order which pays for the shipping. Keep the order total under about Baht 1200 Baht (from my experience) and customs will not hold it for taxes/duties. Cheers!

The BoA routing number you have found will do the trick. And yes; TDameritrade says they require it so for people here to say they don't is not really relevant.
Cheers!

Imovercs have a good point indeed. Check and understand your actual car credit first.

And as Swiss said; Not having emergency cash should probably be the first thing you sort out before anything else anyway. Having at least 6 months of living costs with reasonably easy access is a rule of thumb by many financial advisers, but use whatever works for you (say 3-12 months worth). This could still go in a time deposit as long as you can take some of it out (against maybe losing a bit of interest) with short warning.

Cheers!

Some great info here. In my experience even heavy training for girls (when not on "da juice") does not lead them to becoming blocky/bulky. Girls often state that they want to "just tone and tighten" - and then spends hours with the little pink weights and way too many reps out of fear of turning into Arnold!

Their level of testosterone (with a few exceptions) will simply not lead to that kind of growth in my experience. It WILL grow the "good looking" muscles and thereby do the toning and tightening that was the target.

All the different programs complicate things sometimes. IMHO the main reasons that guys have a hard time to gain muscle is; 1. not training to failure (after proper warm up sets Etc.) and 2. not getting enough protein (right after the workout especially).

I agree that some of the most growth hormones/testosterone boosting exercise like squads/dead lifts can be tricky for beginners and a good instruction is certainly needed in the beginning for those.

Cheers!