Debt v Fat - the secret of the Universe?

JohnInDebt

climbgirl wrote:

but you said the higher the number the better, surely being close to zero isn't good?!?!?

The higher the DMI the better, but with the last calculation its the lower the number the better.

My head hurts, time for another cuppa!!!

Zulu_Dawn

CAFCGirl wrote:

ok 7 grand debt, pay back circa £300 a month,and I weigh 7st3, and I'm a short !!!!!!, 5ft2......

what does that make me?

On my DMI calculating machine (and which may I thik be severely flawed already), you achieve a DMI rating of 12.8 and have a BMI of 18.5.

Therefore your FAP (fat and poor) rating is a very excellent -0.1. The machine says "go and eat some cheap buns now". I'm afraid it gets a bit jealous. :T

rsykes2000

CAFCGirl wrote:

ok 7 grand debt, pay back circa £300 a month,and I weigh 7st3, and I'm a short !!!!!!, 5ft2......

what does that make me?

Your BMI is 18.6 which is on the very bottom of the healthy range as underweight is 18.5 or less.

*busily refusing to work his own out for fear of what it might tell me...*

CAFCGirl

LOL thanks all.

I was eating some rather lovely coffee cake in an attempt to increase my BMI.

And

Are you single...

I could be lol

Zulu_Dawn

climbgirl wrote:

but you said the higher the number the better, surely being close to zero isn't good?!?!?

I'm in the early days of developing this. You need as high a rating as possible for your DMI but a rating as close to zero as possible for your FAP figure.

OK I-ll think about it some more before I patent it and sell it to the banks for millions.:cool:

ZD

climbgirl

Zulu_Dawn wrote:

I'm in the early days of developing this.

Ummmmm....why?!?

Zulu_Dawn

climbgirl wrote:

Ummmmm....why?!?

Two reasons.

I am certain there is a correlation between debt and obesity. In our modern society there is a significant number of the poor who are the haves and of the debt free who are the havenots. The number of people who come here with no money and large debts and then when we start analysing their expenditure they are spending hundreds on two cars, satellite tv, smoking, food and other luxuries the DFW's wouldn't go near.

If I could come up with a mechansim for evaluating that relationship, it could be incredibly powerful, both in terms of understanding debt but also in managing obesity. What I've done here is crude and a first thought, but I'm convinced there is something to it.

Secondly I think that we as a society, are unable to truly understand who we can afford to lend to and who we can't. The forms we fill in are simply no longer relevant.

As an example, credit scoring gives a plus to people who have a mobile phone. I am firmly of the opinion that posession of a mobile phone makes no difference at best in assessing someone's creditworthiness and certainly makes it little easier to track them down.

Similarly, if I transfer a balance to another credit card, my first credit card would be well advised to reduce my credit balance rather than increase it, which is what they invariably do.

Banks and credit providers by their naivete and lack of socail responsibility have created a hideous self-serving debt culture which will one day tumble around their feet. The only sad thing is that there will be million of ordinary people who just wanted a little bit of luxury, sitting in the gutter below them.

If we can approach debt and credit evaluation in a better way, we can stop generations in the future from getting into the mess that I and others like me are in. That is what I am trying to consider here.

Serious stuff over. I'm off to work on my DMI machine a little more. I'll see you on Dragons Den next year. I'll be the thin rich one!


ZD

climbgirl

I don't really think there is necessarily a link and I think it's a bit arbitrary that you've made it. I've never been in debt for example and I know I sure as hell could do with losing some pounds! The problem is that growing numbers of people in the UK are obese and growing numbers are in debt. Because those two statements are fact does not automatically mean they are linked in a causal relationship. You've assumed they are, and that's where your calculations fall down if you're going to analyse them in any scientific way.

I agree with you that there needs to be a better way of finding out who should be lent to, but I can't see how linking it to BMI can help. BMI is a pretty arbitrary way of measuring obesity anyway if you read the (scientific!) publications about it in recent months....

Does this now mean that a high BMI means you can't borrow money as well as adopt children?

Rgc_3

Zulu_Dawn wrote:

Hi

It seems to me that there may be a link between how much you owe and how overweight you are.

Ones BMI is calculated by ones weight in kilos divided by ones height in cm squared

I.e 90kg and 150cm gives a BMI of 90/ (1.5*1.5) = 40 (V obese!)

I am interested in ones DMI (debt measurement index)!!

This is reached by calculating your monthly available repayments for the last two months multiplied together and then divided by your total outstanding debt.

Thus with a debt of £100k and an available repayment of say £1,000 each month you would have a debt index of

(1000*1000)/100000 =10

A smaller debt and smaller repayment would give you a higher score.

(200*200)/30000 =1.33

Basically the higher score the better.

I have done some playing and come up with the following assessment

DMI over 200 Undergeared. On the way to DFW. Don't worry
DMI 100-199 Indebted. But you can sort it out with a bit of effort
DMI 50-99 Deepdebted. Debts are big. Serious action now
DMI 10-49 Severely in debt. A longterm plan is needed asap.
DMI below 10 Obesely in Debt. Ring up CAB immediately.

For what it's worth my DMI is currently 12. I am on a self administered DMP with a potential DF date of more than 10 years hence

Now the clever bit is to deduct 20 from your BMI (calculated earlier ) and divide it by your DMI. If the answer is close to zero, I hate you, you slim DFW. :rolleyes: If your total is more than 1 then I suspect you, like me blew all your money on piesand need to keep coming back to this site to keep us out of the local bakers.

Madness or a wonderful new invention? I'd be grateful for your opinions/comments.



ZD

I ve only just read this...if it checks out then yes its a wonderful new invention:j ill be back after work to have another look at this

cheers:beer:

debecca

Sorry, here comes the sad maths teacher's response...

As I have no outstanding debt, I have an undefined DMI as I have had to divide by zero... so presumably you can only have a DMI if you have debt to begin with...

I feel deprived. My BMI is 21 by the way