Q1. Why do the back of my things hurt?

Question

Everytime I do 50 reps bending down to touch my toes while standing upright the next day my thighs kill me when i try to do them again. Are there some warm-up exercises I need to do first?

Q2. How come banks are refusing to lend money for those who are trying to get on the property ladder? At the minute house prices aren't as expensive as they were months so this should be the best time for FTBs to buy a house right?

Answer 1

As well as being a little unfit, I see you have really got a handle on the credit squeeze !

Answer 2

question 1:

that's because your muscles are working

stretch out really really good and then continue into your 50 reps.

you have to stretch out your legs.

Answer 3

Q1  Dude.. you have to stretch everything!  I hope you are a young guy.  Cause when you get older and do stuff like that, you can put yourself into a world of hurt.  Check out Yahoo or MSN has a few really good pages in their Health section on stretching.  I'd say to do a few seated positions stretches and lunges.

Q2. I used to be a banker and before this crappy economy hit Bank of America had raised their standards on lending.  I believe you had to have at least a 640 credit rating to get a loan / mortgage.  Don't quote me on that it may have raised since then.  Banks are afraid of people defaulting on their loans so they are very tight with allowing loans.  If you are planning on buying there are tons of banks out there that you can apply to.  Use the internet, you can access many banks of other cities and states to help you accomplish your goal.  PLEASE make sure to check the internet for reviews about these banks and check the better business bureau as well.  I know of countless people that have signed their lives away to loans thinking they were getting the house of their dreams.  There are predatory banks out there you need to be aware of that prey on certain people by income, gender and ethnicity.