Dave Ramsey

  #121  
Old 08-14-2007, 02:37 AM
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Originally Posted by golfhobo
What?!? You've never seen the movie "Dances with Wolves??"
Oh yeah, I've seen the movie. It kinda threw me off for a minute when I first read it. :lol:

Originally Posted by golfhobo
Remember that movie with Glenn Ford?? Don't remember the title. He moved into cattle country in Texas, or thereabouts, and wanted to raise SHEEP!
"The Violent Men". Very good western. Ed G Robinson, and Glenn Ford both were somethin else.
 
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  #122  
Old 08-14-2007, 05:48 AM
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Originally Posted by RedRaven
Flood, first let me say this; This piece you quoted didn't come from my post... :wink:


07.09.99 i hit a car with my yanaha on I-5 in seattle and couldn't work for 3 1/2 months could walk for 2 of that, i had to stay with firends as my house wasn't wheelchair frendly. he had no Insurance and i was under insured. no income for 3 1/2 months yet i paid all my bills for my house and helped my firends with rent & food and i didn't go into debt to do it.! how you ask well i had this little thing called MONEY in the bank.
this is a quote from my first post

Also, sorry if I confused you with anyone else... The posts were so long, they eventually just seemed to meld one into the other... I think I was a bit tired, when I first read them... :lol: :wink:
i can understand that, lastnite is the first good nites sleep i have had in two weeks.

If you buy used vehicles that's one thing. But, from your post it appeared you had bought a "new" vehicle for your step son... Also, you didn't explain that he had been "earning" the vehicle in other ways. It just came across as you just gave him a car, period.
you assumed it was new all i said was it is a nice, and what truckdriver would spend $58k for a new Cadillac STS for a kid (i say kid in a good way he's 22). but the point was that when you save and have money when you see something you want you can just buy it gift or otherwise.

So, not looking for an arguement, I'm just responding to what I read... :wink:
dido

I would also just like to add, that if you buy a new vehicle it is cheaper in the long run to own, then buying a used vehicle... I bought my vehicle brand new, cash you could say, since they wouldn't take $16,400.00 in cash, I had to give them a check... :wink: But, still bought, and paid for my vehicle outright, no loan, nothing. Had title in hand the day I brought it home. I've owned it 18 years now, and as I believe I stated before it now has cost me less than $1,000.00 per year to own...
in 93 i paid $1200 for a 84 ford ranger that needed $140 in frontend work, used it for 7 years working construction, now i use it to pull my antique 1963 14' columbia speed boat and to this day i have not spent $1500 in repairs on the truck. that's $192 per year with insurance it's still $320 per year. still better than buying new and it has never ever had me on the side of the road

When you buy used, you don't know what your getting. It can be a lemon, it can have mechanical problems your not aware of, etc... It can end up costing in mechanical repair costs in some cases more than the vehicle is worth...
i tend to disagree with this. why well 1st you can get a new car that is a lemon (if thy didn't have so many thy wouldn't have lemon laws) and if you look around a find a deal if something needs fixed it's not a big deal. i have a classic 74 ford van that i have had for 9 years all i have had to fix was the starter.

I don't know how many years you saved before you bought your car with cash. Which you stated you sacrificed your opportunities to go out to clubs with friends, and ate a malnourishing diet for a period of time. But, you shouldn't have to "suffer" in other ways, just to be able to afford to buy anything... That's the point I'm making as well...
1st i was 14 and it was a summer job 1 summer, i never said anything about sacrificed opportunities to go out to clubs with friends after all it's a little hard to go out clubing when your 14, and are you saying that my mother didn't feed me and my brother well...? again you are assuming alot.

Everyone in this country should be able to make a decent wage
everyone can. the ones that don't realy don't want to. thy think the job should just fall into their lap, thy will not go out and do what thy need to to get the job.

So, that said, if wages are actually decreasing while inflation, and cost keep rising, if anyone can find a way to save "serious" money, without it hurting them (suffering), to do so, then they are lucky...
that is the problem with todays society if you don't have the newest xbox, game qube, playstation3, biggest flatscreen tv, ipod, iphone. etc.. that somehow you are SUFFERING and as to saving "serious" money it's not hard to save $200 a month IF YOU WANT TO. thats pizza and beer money for one weekend. hell we spend more than that going to a titans game

This isn't supposed to be a pain/pleasure situation. It was always said, that if you worked hard, you could make a good living, in this country. Well, there are many who do work hard, and they still have situations that they could not have predicted, that have set them back financially, such as illness, death in the family, injury, disability, etc...
planning planning planning

Also, if you are married, you are fortunate because regardless of the jobs, you for the most part these days have a two income family... If you are single, you are screwed... They take the most taxes out of those who are single, housing, whether rental, or, purchasing a home is very expensive, that unless your in the 1% of the population making those millioins, and nowadays, Billions. Your not going to have it easy to save much, for anything...
when i was married the first time i had a wife 4 kids buying a house and i was the only one working and not at some high paying job. when i left the b*$#@& all i had was what was in my car. and i did just fine being single.

A lot of what happens in life too, also is a matter of being in the right place, and the right time. Not everyone will get the opportunities, or the breaks, others may be fortunate to have come their way...
people can sit on the ass and wait for opportunites to happen to them or thy can go out and make them happen for them.

Then again, depending on where you grew up, and the educational system provided, would also affect what your were taught in public school... There are children who attend private schools, and Ivy league schools, they are going to have advantages that for the most part, the general population won't receive. Also if you come from a poor rural area your public schools won't be as good, as those in more suburban, areas. We all know that is a fact of life in this country. Equal opportunity just isn't the case in fact if you look across this entire nation, in regard to education.
parents just settle for whatever and don't look around for what is best for their kids. my mother sent me and my brother to both public and private schools and she was a single mom working as a bookeeper so she didn't make alot of money.

When I was in public school, the schools didn't really focus much on girls, and their needs for a good education. They assumed that they would all end up getting married, and raising families, once they reached adulthood. Girls were not prepared to go onto college either. So, you can't say that everyone got an equal start in their educational life, in this country.
gee that is strange my new wife grew up in rural tennesse and she went to college. sex doesn't matter if you have good grades ANYONE can go to collage

Back when I was a kid, most woman married, and stayed home, raising their kids, while the husband was the "bread winner"... That isn't the case these days. Even toward the end of the 70's, it was clear that even married woman were going to have to take up jobs, to help support their families.
she wouldn't need to work if thy didn't have two new cars live in a $300k home and be trying to out spend the neighbors.

They are now in their early, to mid 60's... My Dad is semi retired, but, he will still have to work... He's already told me that, even with his own business. Because he didn't grow the business into something that could be "taken over" by others for him to truly retire. He created his business, and made it a "one man show"... Doing it on his own, no employees... That was his choice, and he will pay the price for that choice...
that's to bad. i had two businesses both one man shows i was doing at the same time and i SOLD both when i moved..?

Some people I think also look at life in different ways, thinking they should enjoy life now, before they get to old to enjoy it. Those who think they should save for retirement, then enjoy life. But, often times either die before they get to retire, or, are too ill by then to enjoy the fruits of their labor. So, it very much depends on which end of the spectrum you are from... Depression era people saved, 60's era people lived up to that song "live for today"...
i have always enjoyed life and saved at the same time. it's not a trade off

Today, it is difficult to do either... :lol:
not if YOU want to

You have the attitude that reminds me of something my father once said... He was asked if you, and your children went overboard on a boat, who would you save?... He said, he would save himself, and my mother... When asked why?... He replied, because you can always have more children...
WTF...?

That is kind of how your looking at society, it is save yourself, at the expense of the other guy... In the long run, what goes around, comes around. :wink:
i don't have a clue were you got that from

There may come a day, you could find yourself in such a situation, then who will you reach out too?... Most importantly, who will be there willing to save you?... But, hey, if you've got all the bases covered, then I'm sure you'll have nothing to worry about, and your life will continue to be one of optimism, and true happiness.
1st if you would reread my first post you would see that i did need help and friends did help...! and i have help many of them when thy needed it (nice thing about having money you can help) and as to having the bases covered I DO. again it's called planning.

Just remember those you discard in society usually are the ones who try to rob from you, take your life, and all because basically they were denied the same opportunities you were fortunate to have obtained. That's why there are millions in prison, and we all know that most of them get out of prison eventually, only to re-offend...
this is a victums mentality i don't discard people but if THY don't care enough to better themself then WHY should i care. and i can guarantee you that if someone breaks into THIS house thy will never have the chance to re-offend and i will not feel bad about it at all after I WORKED for what i have.

If you don't do things right, and equally from the start, then you will never truly have a healthy, well adjusted, peaceful, and productive society... Look at the horror stories of who end up caring for the elderly, in nursing homes, etc...

The low wage earners, with little education, caring for you in your most vulnerable state, elderly, possible ill, disabled, etc., and having to rely on them for your vital daily needs.
well that's what you get if you "live for today" but with planning, insurance and saving it's a non issue btw it's never too late to start IF you want to.

If you remember some stated 9/11 happened because you had low wage workers in security positions at airports...
what BS you can pay a person $25k or you can pay that same person $100k per year it doesn't matter the person is still going to do the same job the same way. it's not just money but the quality of the person doing the job. yes you will get better quality people when you pay more BUT you can find alot of people that do their job and don't make alot and you can also find people that make alot and don't do their job RIGHT. it's call INTEGRITY

Remember, no man is an island...
true but also remember that it DOESN'T take a village to rise a child, it only takes two or one if the parents do their job. my mother sure did and i will thank her for it for the rest of my life.

the long and short of it all is that most people want it all NOW and pay for it later "90 days is NOT the same as cash" i paid my way through school (no loan) as did my brother. it's called work....... i have owned rentals and made money, i've started companies and made money, and i've had all the toys i wanted or want also i moved out when i was 17 and never EVER not paid my own way. it's all about the choices we make in life good ones and you will have a good life bad ones and life will suck and you will be blaming others for the way your life ie... victums mentality "oh poor me the world is against me....!"
 
  #123  
Old 08-14-2007, 06:43 AM
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EXACTLY FLOOD! I couldnt have said it better myself. I hate the fact that we are seeing more and more of the victim mentallity.
In this country NO ONE HOLDS ANYONE BACK. NO ONE KEEPS ANYONE FROM SUCCEEDING. People hold themselves back and then look for someone to blame. Its much easier for someone to pass the blame that look at their own life and accept the blame. Personally, Im also tired of the people in this country (cough cough liberals) who are there handing out excuses like candy. As long as someone is giving out excuces to the financial failures of this country, those financial failures are going to be there eating up those excuses and not even trying to change. Once you stop handing out excuses, people will be forced to look deep at their own lives and then realize that THEY control their financial success.
Im also tired of the old liberal mantras: "It could happen to you" and "You are just one paycheck away from being homeless". NO IT WONT HAPPEN TO ME! And NO I WILL NEVER BE HOMELESS. Why? Because everyday I wake up and CHOOSE to do what it takes for that not to happen. Its called having "forward thinking skills" In other words...PLANNING AHEAD. Some peoples idea of forward thinking and planning ahead is on thursday planning what bar they are going to spend money at on saturday. Me....and Im sure flood was the same way, at 18, I was already planning for when I was 60. And you know what? When you make a few sacrifices and save a little when you are young, things get really easy when you are middle aged. Im 42 now, Im just a typical middle class american, Im not rich by any means. My wife doesnt have to work. My kids are in pretty expensive priavte schools, All of our cars are paid for. I live debt free except a couple of mortgages. All of this is possible because I CHOSE it. Not because I was lucky, not because my father gave me a nice car at 16 and not because anything was handed to me. I GAVE THIS TO MYSELF AND MY FAMILY.
Ok off my soapbox....lol...Im kinda passionate about this stuff.
 
  #124  
Old 08-14-2007, 10:21 AM
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i forgot somthing christmass will be DEC 25 this year i already have MONEY for it and i don't go cheap but the good thing is in JAN i don't have to think about paying for it
 
  #125  
Old 08-14-2007, 12:51 PM
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Sorry about that Flood... I didn't put in my post SheepDancer's name, where it needed to go, that's why you got confused at a point in my last post...

I couldn't look back to all he had stated, as well as you. So, I tried to combine the two... Unfortunately, I suppose I was not successful. :lol: But, well, at least I said, what I wanted to say...

I will say this though, it is easier for a man to make his way financially, then for many woman. Now, before you get "passionate" about my statement. Let me explain. You stated you got married, and had kids.

It has been, and in most respect's still is traditional for a man to ask a woman to marry him. You don't see many woman picking out a man, then asking the man to marry them... Though there are a few who have done so...

While you were out working to build your businesses, etc., your wife was home taking care of your home, and your children. You don't find many woman able to do the same... Rarely, does the husband stay home and raise the kids, while the wife builds a business, etc... It simply hasn't been the tradition. Though again, there are a few stay at home Dad's who do care for the home, and kids, while the wife becomes the bread winner. But, for the most part, it just hasn't been the norm...

I think the truth is that woman can not do it all. That they have to make choices, either become wives, and mothers, and stay at home, and raise their kids to become productive adults. Or, pursue a career, and forfeit having children, maybe even forfeit having a husband as well.

But, such is life I suppose, and we all make choices. All I can say is that I wish you, and Sheepdancer very happy retirements, and hopefully all that hard work, saving, etc., pays off for you both... :wink:

 
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  #126  
Old 08-14-2007, 04:40 PM
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I swear I try my best to stay out of debates like this but .......sorry.........I just can't help myself. :lol:


First a little back-ground: 1997: 3 year old son and a daughter born with a metobolic disorder GSD ( Gylcogen Storage Disease type 1a ). Wife and I both had good long term jobs and insurance. 1999 both of us lost our jobs and our income went down about 75% overnight. We cut back, made plans
and then worked the plan. 2001: We used our home equity to invest in rental property. ( I DO NOT suggest this for anyone because we came real close to loosing it all ). We now have the equity line paid off and have a positive cash flow on the rentals. It is not alot but they will be paid off in 2016. I'll be 55 at the time and they will equal my income where I am now. My house will be paid for in 3-1/2 more years. ( But son will be going to college about that time. ) I swear to GOD if we can make it happen then anybody can do the same for themselves.

It's funny, I drive a 1988 Suzuki Samari to work every day. I bought it in '94 to pull behind our motorhome. I drive it to save on gas as I drive 60+ miles round trip each day. ( 33+ mpg ). And I see my co-workers drive in in their NEW '06-'07 trucks and complain about how their broke. :roll:
 
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  #127  
Old 08-14-2007, 04:56 PM
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RedRaven:

I have NEVER seen anyone that has more excuses as to why they are in the position they are in. First it was injury. Now it is because you are a woman. Good grief woman, get over it and get a life. Go pick up cans on the side of the road. At least you will be EARNING some money. Comming on these boards does NOTHING to improve your situtation. ( Unless it gets you off your A$$ to do something )
 
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  #128  
Old 08-15-2007, 10:38 AM
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Originally Posted by Ridge Runner
RedRaven:

I have NEVER seen anyone that has more excuses as to why they are in the position they are in. First it was injury. Now it is because you are a woman. Good grief woman, get over it and get a life. Go pick up cans on the side of the road. At least you will be EARNING some money. Comming on these boards does NOTHING to improve your situtation. ( Unless it gets you off your A$$ to do something )
I wasn't referring to me, in terms of the situation some woman face. They were remarks based on what I've read, and seen in news reports, and programs relating to woman.

As for my own situation, I deal with 5 different doctors not only for the injuries I suffered, but, medical complications, and other health issues post the auto accident. I can actually relate to your childrens health issues, and I'm sorry you and your family have had to endure this health issue, and I hope your children are happy, and healthy now... I can relate, because one of my "health" issues is the condition known as Metabolic Syndrome (which affects the Endocrine system), and it's related complications to my health.

As far as earning a living. I have posted else where that I am currently working on developing my own business. I am actually looking forward to making it a success. So, I'm not sitting on my backside, I'm actually working to improve my life... :wink:
 
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  #129  
Old 08-15-2007, 06:54 PM
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Originally Posted by RedRaven

As far as earning a living. I have posted else where that I am currently working on developing my own business. I am actually looking forward to making it a success. So, I'm not sitting on my backside, I'm actually working to improve my life... :wink:
Good to hear. Is your new business related to trucking in any way?
 
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