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Thread: Dave Ramsey

  1. #11
    Senior Member Teacher Terry's Avatar
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    I agree with Tybee and TMS. Take what’s good and throw out the rest.

  2. #12
    Senior Member Yppej's Avatar
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    I grew up in a religious community and you absolutely would lose your job at any church owned entity for sex outside of marriage. You could also get in trouble for married sex. For instance, any secondary student who got married was kicked out of the church run school. I think the assumption was if you got married that young it was due to pregnancy from pre-marital sex. But if you made it to college and a pregnancy resulted whichever partner would not get married got kicked out and the one who did want to marry to give the baby a conventional home was allowed to stay. In the cases I knew of the fathers were expelled whereas the mothers stayed and later married someone else.

    If you were accused of adultery but there was no proof you were transferred to another out of state position.

  3. #13
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    I really like Dave Ramsey's advice about getting and staying out of debt. This fanaticism in his company is disturbing. And possibly illegal?

  4. #14
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    I'm with the group. Great ideas but some twisted aspects.

    I listen to his daily show via podcast, I walk about 5-7 miles a day so this is easy to do. I find most of the stories and efforts that people make to become debt free to be enlightening and uplifting. The organization is also moving towards career advice, how to go to college debt free, and how to deal with anxiety and personal relationships.

    I am financially independent now so his show isn't necessarily advice for me, however he does enforce on me something to strive for that you can do three things with money, Spend It, Save It, or Give It Away. I have always been a saver and it takes work for me to both spend and give money. The encouragement for me to spend more and give more is a good thing. Yes, I have given more this past year during the plague.

    His Evangelical beliefs are a problem to me as it is a cancer on society. Today's Evangelicals come across as "I've got mine, don't tell me what to do or require me to pay taxes, but because I have my slice of the pie, it is my God given right to tell others how to live. Humbleness is not a trait that many have including Dave who I have heard say "It isn't bragging if you did it".

    He is very closed minded about how other people think. His hatred of California and insistence that the State is all messed up and hoards are leaving, "why would anyone move there and buy overpriced real estate". He also says the same of New York City.

    Anything associated with the government is bad such as the KGB which is how he refers to the IRS and they power it has on people.

    He claims that since government pensions only have a 7% return that when you leave government employment that one should cash in a pension and roll it into an IRA to earn 10-12%. Yes, historically the market has returned that amount. i retired from government employment in 2019. I had a cash out/roll over option. If I had taken that option and earned 12% in an IRA my annual earnings would have been less than half of what I actually receive and my pension goes to my spouse on my death.

    The manner in which he handled the Chris Hogan marriage which was mentioned in the article was disturbing. I see why he bent over backwards to help and save the marriage and how hypocritical the entire situation is, Chris Hogan is a cash cow for the company and likely one of the highest paid people as are all of the entertainers in the firm. He mentions often about his great company and how his employees love working there, very Trumpian. I do believe they love working there as many evangelicals working at like minded firms, you just have to drink the kool aid.

    I can actually over look much of his Christian bent as I am intellectually honest enough to agree that many of the daily verses read such as "The borrower is slave to the lender" are good verses to be remembered. We have to remember that all faiths have many common beliefs which are good to hear regularly. The closing of the show with glowing praise for his lord and savior I just tune out or because i know the flow of the show i just delete at that point.

    I just hope that he recognizes that tax dollars do pay for the nice highways and snowplows that get him to where he is going. One of my favorite memes is the one about Socialist Snowplows

    I will close by screaming "I'm Debt Free!!!!!!!"

  5. #15
    Senior Member rosarugosa's Avatar
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    I will admit that I'm pretty strongly anti-religion, so I rather dislike him on principle, even though I've never actually listened to him directly (although I've read/heard quite a bit about his general themes). So that's a point well-taken to not throw the baby out with the bath water.

  6. #16
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    I always thought that “socialist snowplows” meme was a bit misinformed. In a bygone age, I was the business manager of a county highway department. Those plows weren’t built in state run factories and allocated to us based on a five year plan. We acquired them from private enterprises using a competitive bid process. We had to compete in the labor market to hire people who always had the option of leaving if they could get a better deal elsewhere. Our drivers even dumped their Teamsters local when the law changed to make membership voluntary. We had to compete in the various markets for salt, diesel and other supplies. I think market forces had more to do with clearing the roads than command economy diktats.

    When people on the left or right try to praise or damn any given publicly supported activity by simply labeling it as “socialism”, I think it may betray some confusion over what that word means. I don’t think triumphantly proclaiming that roads or libraries are socialist is really very useful in a discussion on the role of government. Nor do I think calling any government program you have a problem with is socialism on par with the ongoing Venezuelan disaster.

  7. #17
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    My understanding that the phrase “socialist snowplow” came from a response to government haters wanting the government to get off our backs and the response was something to the effect of “how do you like those socialist snowplows?” What is interesting is how in many northern New England towns there are private roads which are not plowed by the government. The private snowplows paid for by the owners don’t meet nearly the same standards as the government plows.

    My point is that there are many activities that government performs well and the taxpayers clearly get their money’s worth for the service performed.

  8. #18
    Senior Member catherine's Avatar
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    Quote Originally Posted by San Onofre Guy View Post
    My understanding that the phrase “socialist snowplow” came from a response to government haters wanting the government to get off our backs and the response was something to the effect of “how do you like those socialist snowplows?” What is interesting is how in many northern New England towns there are private roads which are not plowed by the government. The private snowplows paid for by the owners don’t meet nearly the same standards as the government plows.

    My point is that there are many activities that government performs well and the taxpayers clearly get their money’s worth for the service performed.
    On this topic, but not on the OP topic, there was a great op-ed by Thomas Friedman in the NYT: "Socialism for the Rich. Capitalism for the Rest." It speaks about how the fact that the stock market has soared while small businesses and individuals are on the balls of their a$$es is an elephant flying.

    "“Socialism for the rich and capitalism for the rest” — a variation on a theme popularized in the 1960s — happens, Sharma explained in a phone interview, when government intervention does more to stimulate the financial markets than the real economy. So, America’s richest 10 percent, who own more than 80 percent of U.S. stocks, have seen their wealth more than triple in 30 years, while the bottom 50 percent, relying on their day jobs in real markets to survive, had zero gains. Meanwhile, mediocre productivity in the real economy has limited opportunity, choice and income gains for the poor and middle class alike.

    The best evidence is the last year: We’re in the middle of a pandemic that has crushed jobs and small businesses — but the stock market is soaring. That’s not right. That’s elephants flying. I always get worried watching elephants fly. It usually doesn’t end well.
    "Do any human beings ever realize life while they live it--every, every minute?" Emily Webb, Our Town
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  9. #19
    Senior Member Yppej's Avatar
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    Absolutely we have corporate welfare. Agribusinesses and extractive industries are some of the beneficiaries.

  10. #20
    Senior Member SteveinMN's Avatar
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    Quote Originally Posted by Yppej View Post
    Absolutely we have corporate welfare. Agribusinesses and extractive industries are some of the beneficiaries.
    Every industry is a beneficiary. Cities here were tripping over themselves to offer Amazon perks for locating a distribution warehouse within their limits. The giveaways that my city has offered developers show anything but the invisible hand of the market. "Let the free market handle it" has become a euphemism for "not my problem; I've got mine".
    Success is to be measured not so much by the position that one has reached in life as by the obstacles which he has overcome. - Booker T. Washington

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