Dave Ramsey
#71
08-01-2007, 11:32 AM
Originally Posted by Karnajj
Originally Posted by BigDiesel
95% of the people who call that fool Ramsey cannot handle their personal finances and credit... They should pay cash for everything since they have no discipline...
#72
08-01-2007, 11:53 AM
Originally Posted by BigDiesel
Originally Posted by Karnajj
Originally Posted by BigDiesel
95% of the people who call that fool Ramsey cannot handle their personal finances and credit... They should pay cash for everything since they have no discipline...
Okay, BD!! But he isn't using his air time to address you, he's speaking to the people who are in trouble, and, to people who have used his tools & methods, and are finding success. If someone tells an alcoholic "Hey dude!! (or "dudette", as the case may be!!) you need to throw waway the bottle, and not pick it back up again", that advice wouldn't apply to responsible drinkers, would it?? Now, the idea that EVERYONE should cut up their credit cards?? I do think that Dave's mantras may seem excessive their, but using a credit card, then paying it off when the statement arrives is making use of credit, but not relying upon it. In aany event, even though I don't agree with him 100% on everything, the man is wealthier than I am, and I'm wealthier than you are, but I STILL attend FPU once a year, so that hardly makes us fools!!
#73
08-01-2007, 12:17 PM
Originally Posted by Useless
Originally Posted by BigDiesel
Originally Posted by Karnajj
Originally Posted by BigDiesel
95% of the people who call that fool Ramsey cannot handle their personal finances and credit... They should pay cash for everything since they have no discipline...
Okay, BD!! But he isn't using his air time to address you, he's speaking to the people who are in trouble, and, to people who have used his tools & methods, and are finding success. If someone tells an alcoholic "Hey dude!! (or "dudette", as the case may be!!) you need to throw waway the bottle, and not pick it back up again", that advice wouldn't apply to responsible drinkers, would it?? Now, the idea that EVERYONE should cut up their credit cards?? I do think that Dave's mantras may seem excessive their, but using a credit card, then paying it off when the statement arrives is making use of credit, but not relying upon it. In aany event, even though I don't agree with him 100% on everything, the man is wealthier than I am, and I'm wealthier than you are, but I STILL attend FPU once a year, so that hardly makes us fools!!
#74
08-01-2007, 12:28 PM
Originally Posted by BigDiesel
That statement makes you look like an even bigger fool... :lol: :lol: :roll: When did this turn into a " I have a bigger D$#@ than you do "... Keep drinking the Ramsay Kool-Ade.... :lol: :lol:
Looks like we hit a raw nerve with you here!! The facts remain the same!! In financial terms, Dave Ramsey has accomplished more than you or me combined, and he bit the dust back when I was operating a small medical equipment company. Here he was in the mid 1980's with his paper house of cards collapsing, leaving him with selling his furniture and leaving his family sitting on the floor. Like it or not, he went on to rebuild, while I was working to build the first time. Since then, he's gone on to accomplish more than I ever have, he's contributed more than I ever have, he's done more to help others than I have, and, like it or not, (and it is quite clear that you DON'T like it!!) yes, in financial terms, I have accomplished more than you have. GET OVER IT, BD!! Yep!! I'll keep drinking the Dave Ramsey Financial Peace University KoolAde, and while crying over your petty insult, I'll be laughing my way down to the bank, and you just keep plugging away at your J-O-B, and flashing your credit cards!! Like I said earlier, George Burns had you pegged perfectly!!
#75
08-01-2007, 01:29 PM
Originally Posted by Useless
Originally Posted by BigDiesel
That statement makes you look like an even bigger fool... :lol: :lol: :roll: When did this turn into a " I have a bigger D$#@ than you do "... Keep drinking the Ramsay Kool-Ade.... :lol: :lol:
Looks like we hit a raw nerve with you here!! The facts remain the same!! In financial terms, Dave Ramsey has accomplished more than you or me combined, and he bit the dust back when I was operating a small medical equipment company. Here he was in the mid 1980's with his paper house of cards collapsing, leaving him with selling his furniture and leaving his family sitting on the floor. Like it or not, he went on to rebuild, while I was working to build the first time. Since then, he's gone on to accomplish more than I ever have, he's contributed more than I ever have, he's done more to help others than I have, and, like it or not, (and it is quite clear that you DON'T like it!!) yes, in financial terms, I have accomplished more than you have. GET OVER IT, BD!! Yep!! I'll keep drinking the Dave Ramsey Financial Peace University KoolAde, and while crying over your petty insult, I'll be laughing my way down to the bank, and you just keep plugging away at your J-O-B, and flashing your credit cards!! Like I said earlier, George Burns had you pegged perfectly!! Your response above proves that the only thing to measure a persons worth is cash. This shows how insecure you really are. I truly feel sorry for you.... :cry: NOT !!!!! :lol: :lol: :lol: :lol: :lol: :lol: One more thing.... Your name says it all..... :lol: :lol: :lol:
#76
08-01-2007, 02:26 PM
Originally Posted by BigDiesel
NOT !!!!! :lol: :lol: :lol: :lol: :lol: :lol:
One more thing.... Your name says it all..... :lol: :lol: :lol: Gee!! Like that's an origional comeback!! (Yaaaawwwwwwwnnn!!) As far as "insecurities" are concerned, go back and look at your own posts, BD!! What do you contribute here?? If what you are telling us about your sense of financial discipline was in fact, the truth, then I could easily understand your sense of ambivolence as it relates to Dave Ramsey, and Financial Peace University. It shouldn't affect you one way or another. But, what you are exhibiting here is malevolence, not ambivolance, so now, I have to ask myself why that is?? If, as you claim, all is so good in your world, then why should you invest any energy, much less negative energy, in a matter that should matter so little to you?? People who have not handled their finances properly turn to Dave Ramsey, and FPU for help; those who follow the program start to see changes in their live's for the better; I know this for a fact, because I personally have seen Dave's plan work too many times. Yet you, in your infinite "wisdom", label Ramsey "a fool"....those were your words, BD!! It does not take a mental heavyweight to ridicule other people's accomplishments, or to find fault with those who have conceived an idea, or accomplished things in life. Those who do only show themselves to be myopic and small minded. BD, you are what I call a "Cybernetic Crab"....If you take a bunch of crabs, and put them in a pot, some will start trying to climb out of the pot; others will reach up, and pull the others who are trying to climbout, and pull them back dowm. Look back at your previous posts, and ask yourself what you have contributed, other than mindless cat-calling. Not much of anything of any value in your shallow, smart-assed quips, is there, BD?? As far as my motivations for being here, what I gain from being here rests within a realm that you simply can not fathom; if you could fathom it, then you would not have asked such a moronic question in the first place. Soooooo, since everything is all so nice in the world of BD, then why should you be so absorbed and immersed in the teaching of Dave Ramsey or Financial Peace University?? Why should you care about ANY of this?? It's not like you have come here to offer anyone anything constructive!! So, BD, if all is so good in your world, as you claim, then why do you bring such a negative attitude here??
#77
08-01-2007, 03:17 PM
I think the point here "gentlemen", is that, there wouldn't be such issues to discuss, if kids were taught finances in school, probably the best years to learn this, would be the Junior High, and High School years. If your parents haven't already taught you, or, you don't have a Dad who is in finances... :wink:
There is a saying, if you want to become a Millionaire, then go talk to a Millionaire, don't go talk to a poor person. What we need are all those "Millionaires", with time on their hands, to get involved in the public school system nation wide, to bring in those people who can teach every child finances, so they won't end up at the bottom of the financial ladder, wondering how they ended up there... As for giving a teen a new car, without the responsibility of having to earn the money to buy it... Well, my first car was given to me, if I didn't take it, it was going to the junk yard... It was my mother's car, and she was buying the "new" car, and instead of using the "old" car as a "trade in", they gave it to me. It was an old 72' Chevy Vega... But, I had been working since the age of 14, so, I had already learned what it meant to want something, and to have to earn it, not expect it to be handed to you for free... When I disagreed with my mother's taste in school clothes that's when I got a job at age 14, and bought all my own school clothes... I saved my money. But, I also have parents who aren't always the kind of parents they should be... They are just the parents I got stuck with in this life... When the Vega with lot's of rot, and the engine (aluminum block), finally was on it's last legs. It was time to buy another car... The problem... As an older teen, a bank wasn't going to give me a used car loan. So, I asked my parents to co-sign. I had never had a loan, but, I had been working since age 14, and was responsible with my money... They refused to co-sign a loan... Maybe they expected me to just keep saving my money and buy a used car out right. But, time wasn't on my side, and the Vega was on it's way out... So, I did manage to buy a used car, and got a co-signer... But, you know who the co-signer was?... The boyfriend I had at the time co-signed a used car loan for me... He actually cared more about my situation than my own family... Say's a lot about my parents... :roll: Well, I never missed a payment, gained a great credit score, and history, and paid off the car... It was very disheartening, disappointing, and discouraging to have your own parents without good reason, not co-sign a small used car loan. It is still something I remember well about my parents, and what I learned from them, was not to rely on them, or anyone else... Unfortunately we don't get to choose our parents, we are stuck with them. But, I have learned that in this life you have only yourself to depend, and rely upon. Credit... You are better off if you have the money to buy whatever it is you want, or require. The problem is that not to many people can buy out right a brand new home, a brand new car. These are the most expensive ticket items all of us will have to consider paying for as a necessity, not a luxury... Though people can pay rent for the roof over their head (it is money thrown away since you gain no financial profit from renting), and you can buy a used vehicle. But, of course if you buy an "old" used vehicle, you end up paying more for the vehicle in repair costs. I bought a brand new vehicle 18 years ago. Paid for it in full, no loan, and comparing the price of the vehicle when it was new, to the "value" I've gotten out of it over the years. That vehicle has cost me under $1,000.00 per year to own. Although now it is old, and getting closer to it's time that it will need to go, since now the repair costs have now gotten to the point of costing more than it is currently valued at, it has given me my monies worth. But, not everyone can afford to buy a brand new vehicle... If you think about it, it is more expensive to be poor, then it is to be wealthy. That is why the poor remain as such. It is like a hurdle, unless you can financially get over that steep hill, you will find yourself stuck at the bottom... It takes money, to make money, regardless of the endeavor... To save money, you have to be able to make money that can be saved. If you are living from pay check to pay check, your going to have a tough time of it... Well, again, I think the conclusion here is that those who know how to become financially successful, need to be teaching the rest of the world how to get there from here...
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#78
08-01-2007, 03:48 PM
Originally Posted by Useless
Originally Posted by BigDiesel
NOT !!!!! :lol: :lol: :lol: :lol: :lol: :lol:
One more thing.... Your name says it all..... :lol: :lol: :lol: Gee!! Like that's an origional comeback!! (Yaaaawwwwwwwnnn!!) As far as "insecurities" are concerned, go back and look at your own posts, BD!! What do you contribute here?? If what you are telling us about your sense of financial discipline was in fact, the truth, then I could easily understand your sense of ambivolence as it relates to Dave Ramsey, and Financial Peace University. It shouldn't affect you one way or another. But, what you are exhibiting here is malevolence, not ambivolance, so now, I have to ask myself why that is?? If, as you claim, all is so good in your world, then why should you invest any energy, much less negative energy, in a matter that should matter so little to you?? People who have not handled their finances properly turn to Dave Ramsey, and FPU for help; those who follow the program start to see changes in their live's for the better; I know this for a fact, because I personally have seen Dave's plan work too many times. Yet you, in your infinite "wisdom", label Ramsey "a fool"....those were your words, BD!! It does not take a mental heavyweight to ridicule other people's accomplishments, or to find fault with those who have conceived an idea, or accomplished things in life. Those who do only show themselves to be myopic and small minded. BD, you are what I call a "Cybernetic Crab"....If you take a bunch of crabs, and put them in a pot, some will start trying to climb out of the pot; others will reach up, and pull the others who are trying to climbout, and pull them back dowm. Look back at your previous posts, and ask yourself what you have contributed, other than mindless cat-calling. Not much of anything of any value in your shallow, smart-assed quips, is there, BD?? As far as my motivations for being here, what I gain from being here rests within a realm that you simply can not fathom; if you could fathom it, then you would not have asked such a moronic question in the first place. Soooooo, since everything is all so nice in the world of BD, then why should you be so absorbed and immersed in the teaching of Dave Ramsey or Financial Peace University?? Why should you care about ANY of this?? It's not like you have come here to offer anyone anything constructive!! So, BD, if all is so good in your world, as you claim, then why do you bring such a negative attitude here?? Tsk Tsk Tsk..... you certainly put a great deal of effort in defending " Dave" ..... Why are you so worked up on this ??? Is it due to the fact that someone is questioning your position and provided a different point of view ??? I see that you use long winded diatribes and your bully pulpit to intimidate others who differ on opinion.... I believe you stated that your minions of your " so-called business" must attend the teachings of Dave... What would happen if one did not agree ???? Would it be death by listening to your Rev. Jim Jones like oratories ??? I look forward to your next diatribe....
#79
08-01-2007, 05:33 PM
Originally Posted by BigDiesel
Tsk Tsk Tsk..... you certainly put a great deal of effort in defending " Dave" ..... Why are you so worked up on this ??? Is it due to the fact that someone is questioning your position and provided a different point of view ??? I see that you use long winded diatribes and your bully pulpit to intimidate others who differ on opinion.... I believe you stated that your minions of your " so-called business" must attend the teachings of Dave... What would happen if one did not agree ???? Would it be death by listening to your Rev. Jim Jones like oratories ??? I look forward to your next diatribe.... You have come here, having crawled out from some rock, an 83 post wonder, with a loser's attitude. You have contributed absolutely nothing of any value here, you certainally aren't here to gain any benefit, so what is it about Dave Ramsey or Financial Peace University that is of any importance to you?? A wolf can howl at the full Moon all night long, but that bright full Moon is still going to keep on shining anyway. I see your postings here on this thread as being of equal insignificance. Since you are such an ardent opponent of Dave Ramsey, then why don't YOU expend your efforts trying to come up with something better?? Thus far, you have contributed absolutely nothing of any value here. You are accomplishing absolutely nothing of any benefit with your foul attitude!!............but, then again, that's how loser's tend to operate.
#80
08-01-2007, 05:39 PM
Big Diesel, I think what Useless is trying to know is why are you putting such a big effort in discrediting Dave Ramsey? Whether you like the guy or not, he does provide invaluable advice to people who may really need it.
Not everyone is a financial guru like you and may need some help with their money needs. I think everyone could learn something from Dave. You would be surprised at the broad coverage of financial topics he covers in his FPU. I know I picked up a few good habits that I've instituted into my life.
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