Dave Ramsey
#81
08-02-2007, 04:59 AM
Originally Posted by Useless
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.... What do you contribute ??? You are not even in the trucking business. My guess is you are someone who is homebound and your only outlet is the internet.... Very sad..... 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. 
#82
08-02-2007, 05:23 AM
Originally Posted by Useless
More to the point, BD, why should you care about any of this?? What do you contribute ??? You are not even in the trucking business. My guess is you are someone who is homebound and your only outlet is the internet.... Very sad..... 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.[quote] B.D. Wrote: Again what have you contributed other than your Rev. Jim Jones/ David Koresh like ramblings ??? You really need therapy, BD!! Obviously, you have no point to make, you are not seeking an exchange of opinions or civil discourse, you are just looking for a pointless arguement. Judging by the contrubutions of others, this thread is of value to many, as are the teachings of Dave Ramsey, and the tools offered through Financial Peace University; that's not just my opinion. I don't want to see this locked, but if we keep this up, that is what will happen; that would be grossly unfair to those who have contributed to making this thread one of quality and value. I can't prevent your shallow ramblings, or your asinine determination to pick a pointless fight, so I'll leave you to indulge in your own pool of shallowness, negativity, and hostility that is every bit as asinine as it is pointless. Meanwhile, I'll direct my efforts and thoughts to those who have perspectives of value to offer. Looking at your writting style, and listening to the negativity and hostility that is comming from you, combined with your status an an (now) 84 post wonder, you are sounding a wee bit too much like somebody else who uesd to post here untill he was banned......hmmmmm.....this isn't the most auspicious way to try to make a comeback, is it?? Enjoy, BD!! I'm done with you!!
#83
08-02-2007, 05:36 AM
Originally Posted by Useless
Originally Posted by Useless
More to the point, BD, why should you care about any of this?? What do you contribute ??? You are not even in the trucking business. My guess is you are someone who is homebound and your only outlet is the internet.... Very sad..... 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.[quote] B.D. Wrote: Again what have you contributed other than your Rev. Jim Jones/ David Koresh like ramblings ??? You really need therapy, BD!! Obviously, you have no point to make, you are not seeking an exchange of opinions or civil discourse, you are just looking for a pointless arguement. I'm through with you. Judging by the contrubutions of others, this thread is of value to many; that's not just my opinion. I don't want to see it locked, but if we keep this up, that is what will happen; that would be grossly unfair to those who have contributed to making this thread one of quality and value. I can't prevent your shallow ramblings, or your asinine determination to pick a pointless fight, so I'll leave you to indulge in your own pool of shallowness, negativity, and hostility that is every bit as asinine as it is pointless. Meanwhile, I'll direct my efforts an thoughts to those who have perspectives of value to offer. Enjoy, BD!! I'm done with you!! Why can't you answer the simple, polite questions I posed ??? It is proven fact that people who evade questions by attempting to flip the subject are not capable of answering the question.... I do enjoy your editing of posts to suit your inept attempt to answer though...
#84
08-02-2007, 06:04 AM
Originally Posted by BigDiesel
Why can't you answer the simple, polite questions I posed ??? It is proven fact that people who evade questions by attempting to flip the subject are not capable of answering the question....
I do enjoy your editing of posts to suit your inept attempt to answer though... If you want to have a polite discussion, with thought provoking points, including those with contrasting points of view, or insights that may be of benefit to others, then I'm willing to start on a new course of discussion with you. Seriously though, with absolutely NO sarcasm intended, I have yet to see where you have asked a "polite" question, or posed a "polite" thought, perspective, or posting on this entire thread. Perhaps you would do well to review earlier posting on this thread, and in particular, to read the exchanges that I have had with "VitoCorleone99", where he did an exemplary job of disagreeing without being disagreeable. If you wish to have a discussion and exchange within the parameters in which he and I operated, then this exchange between you and me will have the possibility of bearing useful fruits. As far as my ability to answer questions, I really have no problem with that at all; but my willingness to humor your desires or needs to drag this thread down any further has reached it's limit. Where it involves me, and my attempts at rational discussions with you, that practice is over and done with, and I'll not indulge you for another monent. Perhaps it would help if you restate your question(s) an thoughts in a polite, civil tone. Short of that, I'll not dignify anymore of your postings with read or reply.
#85
08-02-2007, 08:09 AM
Big Diesel:
After giving this matter further thought, it is clear to me that our present path of discourse is destined to fail. This thread isn't supposed to be about me, or you, or any one particular person, other that Dave Ramsey, and his profers of Financial Peace University. Let's deal with this from an emotionally detached framework, and let's work to get this thread back on course, and keep a positive perspective here. By your own statements, it is clear that you have certain areas of disagreement with Dave Ramsey. Nothing wrong with that; there are areas where he and I disagree as well. Obviously, many of the callers (but certainally not all!!) who turn to him for help have without question or doubt behaved irresponsibley in their handling of credit. Other callers have experienced unexpected life changing events such as natural disasters, fires, or protracted illness or disabilities. Sometimes, it's the caller who has suffered the injury or illness, other times, it is a family member or loved one. Some callers are dealing with the loss of a child or a spouse, while still others may be dealing with a parent in need of extended care, but who is lacking in the financial resources needed to provide that care. Now, if you disagree with Dave Ramsey, or you are at odds with the ways in which Financial Peace University teaches people to handle situations such as these, then perhaps you might be specific in pointing out you areas of disagreement, explain why you think his advice is wrong, and offer other alternatives to people in need of help. Some callers are not in dire financial straights, yet they are not in the position of financial strength that they could be in. Other callers are simply trying to learn more about financial planning, and the possible pitfalls that planning may entail. For Example: Dealing with stock brokers who want to churn a portfolio, or recommend stock picks thtat work for them, but not their cliens, or an insurance agent who is wanting to push annuities or sell whole life policies as an investment vehichle. Another example would be a Realtor or Real Estate agent encouraging people to buy as much of a home as they can possibly afford, under the guise of counting on apreciated values to stengthen their long term financial goals. Now, the fact that you disagree with Dave Ramsey is not neccessarily a bad thing. There are areas where I disagree with him too. Since you disagree with D.R. and F.P.U., what would you encourage people to do differently. You are correct in stating that there are some people who should never use credit cards. While I do understand that this does not negate the fact that there are others who DO use credit responsibly, the fact is that all too many people who use credit cards as a source of income, for buying things that they don't need, with money they don't have. Dave Ramsey is saying, in essence, that these people should treat credit as a recovering alcoholic or drug addict would treat their former substance abuse and dependance; that is, to stay away from using it completely. Now, again, you obviously don't agree with Dave, so what different advice would you offer these people?? Let's consider our personal disagreements to be water under the bridge, let's work together to keep a positive framework going, and let's work together to make this discussion work for others who are following it!!
#86
08-02-2007, 03:08 PM
RedRaven, Part II
Gettin Back To Where We Left Off: RedRaven: I wonder, do you have a good insurance policy should something happen to you, and you are injured, and can no longer work?... One that would pay all of your expenses, for the rest of your life?... Useless: Having long term disability insurance is certainally important, but while affordability is an issue for lower income earners, the quality of the coverage is also important. It's easy to pontifficate about the need for it, but when someone is spending his/her hard earned income on such frivolous things as food, clothing, shelter, and utilities, it isn't something that everyone can afford; sucks to be sure, it demonstrates a considerable degree of shortsightedness in our society, but I didn't write the rules here. That is just the way it is. As for me and my family?? We are covered in that respect, but we are more atypical in financial terms. If you can afford it, then by all means, you should get it. RedRaven: IMO, the most valuable asset you can have is your health. As we all know even the word "health" has been used through the centuries when one makes a toast to someone else. "Cheers, and good health to you.", etc... RedRaven: What would you do tomorrow if you lost your health, either by accidental injury, or simply from disease?... How would you survive financially?... All of a sudden you no longer have the income to support your "lifestyle"... Do you have the millions saved to support you for the rest of your days?... Useless:Well, here again, RR, my circumstances were different. I DID suddenly lose my health when I "Latexed"; I nearly died from it, and it took several months to get back on my feet; my immune system was very seriously damaged, (and remains compromised to thi day) so I was very susceptible to every virus and "bug" that was out there. Fortunately, even though my career as a nurse was ended, I still had a business to turn to. Now there ARE ways of dealing with this, which we will discuss as we go along. Before we leave this matter, there is something else I do wish to point out; I came out of that life threatening experience a different person than I was before I experienced it; when I was told by my doctor that if that Latex reaction ever repeated itself, I would not likely survive to tell about it", along with being "laid up", I became rather bitter. For all of the friction, for all of the endless demands, for all of the pressure, and for all of the burnout which had set in, Nursing was a true calling for me. (Hint: One major sign of "True Calling" is that you will first battle against it before you accept it!!") Red Raven: I'm quite curious about this... I've learned through my own life experiences, that even if you save money, and pay for everything you want, that you can end up in a bad situation should you find yourself suddenly injured, can no longer work in your chosen profession, and the bills continue to come in the mail every month... Useless: That is true, which is why it is so important to see through the myth of "Saving your way to prosperity". This is a perfect example of why I always preach that money is the SEED of your labors, not the FRUIT of your labors. I'm not a Christian, but if you read The Bible, in The Book of Genises, you will find the passage which reads "By the sweat of your brow shall you sew your seed, and in sorrow shall you eat of it ." When we spend money on neccessities or on unneccessary things to satisfy our wants, or desires for gratification, we are "Eating our seeds"....meaning that every dollar and every dime that we spend, for neccessities or otherwise, are dollars and dimes that we can not invest; SEEDS that we can not sew, SEEDS that can not bring fourth a harvest, and money that can not work for us in the future. Now, where TRUE neccessities are involved, we are not so much"stealing from ourselves", and obviously, if we have a job, we need suitable transportation, car insurance, fuel, etc, in order to get to work and bring home a paycheck; but even there, many dollars are spent because of improper planning and poor choices. RedRaven: I've learned that you don't spend money, unless you absolutely have too... You buy the necessities of life, and you had better put the rest, if there is any left over away in the bank, or in some financial institute that will make your money work for you... Since most banks these days are offering more in fee costs to have an account, then they are in interest paid to your account(s). In terms of laying a solid financial foundation, the purpose of a bank should be to have a place to safely park yopur money which will be used to pay your monthly living expenses; 60 days worth, and nothing else. A bank IS NOT the place to look for help in planning your financial future. Your money can not work hard for you in a bank. Look to Mutual funds for that; for very short term savings, you may wish to consider consider a money market account. Other than that, look outside of a bank for financial guidance and planning. To Be Continued: Gotta go pick up my daughter, I'll get back to you with Part III.
#87
08-02-2007, 09:33 PM
Useless...
I will be happy to engage you in a healthy and interesting dialogue regarding Dave Ramsay.... But.... I am on my way home after 2 weeks out and it is my daughters 4th Bday on Saturday. I will continue this Monday.
#88
08-03-2007, 01:08 AM
I was at the point of just locking this thread and be done with it, BUT, after reading the last three posts I will give it ONE last chance to change course. I think it is an important subject that MANY could learn from as long as it doesn't turn back into a P!$$Ing match.
Ridge
__________________
Find something you like to do, be the best at it you can be, the money will come.
#89
08-03-2007, 04:30 AM
Originally Posted by BigDiesel
Useless...
I will be happy to engage you in a healthy and interesting dialogue regarding Dave Ramsay.... But.... I am on my way home after 2 weeks out and it is my daughters 4th Bday on Saturday. I will continue this Monday. I look foreword to dicussing this with you as well, and hopefully, others will benefit by following our discussion, and sharing their perspectives, contributing their insights, and questions as well. So, your daughter is about to hit the "Big 04" !!! That's wonderful. Our daughter is now 12; seems as though 4 was just a few months ago; they grow up so fast! Well, BD!! Have a safe run home, & take care of that precious little girl!! We'll see you Monday! Peace, Useless!! [/url]
#90
08-03-2007, 07:22 AM
:? I don't get it...How can anyone claim that Ramsey is doing some sort of harm?
OK, the guys a little repetitive. OK, I get tired of listening to it after a while. But that doesn't lessen the impact or truth of his message. In my book he speaks wisely.
__________________
Brang it On! |
