RE: Has anyone every heard of Dave Ramsey - See message
Posted By: Kris on 2006-11-13
In Reply to:
He has a program called Total Money Makeover. Has anyone ever tried it?? Thanks!
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I am currently on Dave Ramsey's
program and just paid off my 1st bill yesterday. Everything he says makes complete sense. It took a while to build up my 1st emergency fund, but it really is not as hard as you think if you put your mind to it and stick to the plan.
Try Dave Ramsey
After you tell him (and you HAVE to tell him!) check out Dave Ramsey. He has a show on TV every night at 8 p.m. (central) on the Fox Business channel if you have cable, or check out his book from the library, The Total Money Makeover. He teaches you how to plan a budget and work TOGETHER with the finances, one of his most important techniques, and living within your income. In this economy we are all struggling--your biggest mistake was trying to keep it from him.
You must be an follower of Dave Ramsey. That guy is the best!!!
nm.
According to Dave Ramsey, my hero...sm
He says if you have cards you have paid off or no longer use, you need to call and write the credit card company and let them know that you want the account closed. And that you need to keep checking with those institutions to make sure they have actually done what you asked them to do. IMO, I would do the same thing..cancel them completely and then cut them up to boot. Hope this helps.
I agree with this poster and so does Dave Ramsey. sm
Get your hands on anything of his and follow the recommendations. He has helped me greatly. As Reality Check says, and I agree, our economy is in dire straits and not having any financial worries will be worth the effort to get there.
Good luck to you and your wife.
I've seen Dave Ramsey on Fox News
but never got a chance to try to find his web site. I will though, hopefully sooner than later.
We had our dream car a couple years ago. My favorite color (blue) with blue interior and a very large luxurious car that got unbelievable 30 mpg. It was the first time we spent more than $1000 on a car except when I had a brand new Horizon back in the ྌs. We loved that car, only 50,000 miles on it, thought it would last us forever, but little did we know it was in a flood. We started smelling a musty smell coming from the trunk when summer rolled around and 3 years later, it was trash, all rotted out underneath, nothing electrical worked on it. Even though it had all those things wrong with it, I still loved it, but it had to go to the graveyard. Broke my heart. (They don't make that car anymore).
That same year, a friend gave us a calendar that had daily numbers on it. If the number came up on a certain day, you would win those $$ for that day. December 29, our number came up and we won $100. The same day, DH bought a car with a blown engine for $100 without knowing he had won the $100 from the calendar. So, in reality, we had a free car. We pulled the engine from my blue baby and put it in the $100 car and it lasted 4 years until the windshield and transmission started to go.
We are still going to save the engine from my blue baby because it still has a way to go to hit 100K just in case this other car has engine problems. Then, if not, we will probably sell the engine later on to get a few extra dollars needed.
I've been working on a budget since last year that I downloaded from MS and was surprised to see that we rarely have any $$ in most of the columns, but insurance and taxes are eating us alive. No way to get out from under all the myriad taxes (federal, state, local, property, school, township, breathing, emergency, sales, etc.) and insurances (health, home, car, disability, vision, life, etc.).
Oops, it's Ramsey...nm
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Ramsey's Kitchen Nightmares rocks!
I appreciate the format of that show--trying to better a restaurant in his "loving" way.
BBC America is just great in other shows. How Clean is Your House? and You Are What You Eat are the other great shows, IMO.
LOL, they have been looking for Dave at my house, too, he must move a lot! :-) nm
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Oops, above posts about wrong Ramsey show.
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the underlying read-between-the-lines message of the insurance lobbyist's message was (sm)
to, yes, appeal the denied claim. However, she lobbies for the insurance companies. She comes across sounding like she's on the patient's side but in reality she is on the side of the insurance company. The insurance company gets to deny whatever claims they want right off the bat. That leaves the SICK patient (who needs the coverage NOW when they are sick) to have to go through the appeals process. That could take quite a while. Imagine a cancer patient being denied some form of treatment that is going to help them. They now have to go through the appeals process (or pay out of pocket) in order for that treatment to be covered. In the MEANTIME their cancer is progressing. From the point of view of the insurance company, if they drag it out long enough they don't have to pay for it at all. That same insurance lobbyist was on 20/20 a little while back and basically came right out and said that the insurance companies COULDN'T AFFORD to pay for coverage for sick people. She's not on the patient's side.
go see Meet Dave with Eddie Murphy.
The kids will love it - and so will you. He played it so well! Cracked me up...several times.
Dave is my Baby Daddy who owes $27K,
that's probably me calling....sorry.
"So Damm Lucky" Dave Matthews.
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Dave Ramsy, The Total Money Makeover....
His message, "Live like no on else so later on you can live like no one else." Budget is not a bad word and saying no to the kids is not wrong and does not make you a bad parent.
I've heard of tops and also heard it is a good group.
Message to Mom of 3 below.
Wow! First of all have to give you compliments on stating your opinion as I figure you knew you would get nailed. I am also one that is a firm believer of kids have the ability to learn, sometimes through tough love and sometimes through every day simple life. Although I would disagree with you about the "coat incident" I still can relate to you on trying to teach kids to take care of your things, etc. I love my kids dearly, but I know at any moment I could be taken from this earth and I want them to be as prepared as they can be at 8 and 9. I don't expect perfection, but when they do "screw up" I make sure they definitely know it (and remember it). I think most people now do not appreciate children the way we do. They are very intelligent if you give them the opporunity to be. They deserve respect just as adults do (when they earn it.... just like adults). We have to teach them to be adults and it has to start somewhere. Again, I don't completely agree with you, but overall I understand what you are saying. Please ignore any misspelling in my post... I am using my husband's keyboard, which is "stiff as a board!)
Sorry, should be sm for above message
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I believe homosexuality is a sin, but I also believe that sexual preferences should be personal and private. I would not refuse to shop at a store because a clerk was gay, but frankly, that is something that I shouldn't even know about a stranger. A person's sexual behavior should be totally private.
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I paid my balance off in full, received a finance charge statement of about $42. I called the credit card, and said I do not understand - I paid the balance in full, what is this charge for. Act like you need them to help you understand. They adjusted my account and took that finance charge off and said I will receive a statement of the adjustment and my balance is now 0.
It really all depends on how you handle it and in what way you speak to them. Try it that way and see if they will adjust it off.
Good luck!
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I just had my ovary removed due to a cyst and surgery went well, I did well postop and was relieved that it was over. However, just found out that the pathology report showed carcinoma and now I have to have a total hysterectomy and staging workup. Anyone been through this that can offer some comfort in what to expect? Thanks.
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Thank you for your suggestions. At least you give me suggestions other than telling me to seek therapy or bariatric surgery, which I would never consider anyway. I get defensive when I feel attacked for my opinions, thus the *anger* in my previous posts. I DID read your post thoroughly and I did note that you used to have a weight problem, as well. Anon upset me, and I guess I took it out on you. I apologize.
I will put in to use some of your suggestions, but just so you know, my one meal a day does not include snacking, either. I am busy working most of the day, have a lot to do, and the time just slips away before I realize I am hungry, which is generally around 3 in the afternoon. I may have a cup of coffee or tea in the morning, and sometimes water, but that is all. Some will find fault with that, as well, I am sure, but that's the truth. Again, thanks for your input. At least you are more pleasant about it all.
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Your symptoms sound similar to carpal tunnel, but it may be something else, too. If I may suggest seeing a neurologist? It sounds more like a nerve problem to me and it does not necessarily have to be in your hands or wrists. EMG nerve conduction studies on your hands may be negative, but I have done dictations from doctors who have patients with carpal tunnel with false EMGs and the docs call them false positives, meaning the patient actually has carpal tunnel, but the studies were not definitive for that. As the other poster suggested, it may also be neck related. Just get a second opinion from a different doctor, and be insistent on what YOU want checked. Some doctors are resistant to patient requests, so you have to stand up for yourself. good luck.
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When my 17 year old calico passed away a few months ago, I was with her, as well as my 20 y/o son, and it was very hard for us both to watch. My son couldn't stop crying...she was part of his entire life. We still have the 16 year old male with us, Oscar, who misses her very much. They always stayed in close proximity to one another...even though they still gave each other glaring looks at mealtime. He just hangs onto us all the time and it's hard to work because he insist on laying on my desk, in my lap, knocking everything off. He has never done this before. She always laid at my feet and talked to me and he laid up high. It's sad because he can't understand what's happened. She was his long-time partner.
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I would be careful...I am facing court for just this right now, due to old debt that I started accruing, due to being quite desperate and broke, after my bankruptcy was filed. I can file again but probably won't and don't want to, but still have to deal with the courts, this week actually. can't wait. bankruptcy is not the end of the world. you can get a credit card again and you can work on your credit. It stays on your credit report for ten years. how long will it take you to pay off that debt???
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He obviously wanted to be with her and you cannot fault him for that, I guess. It is never easy when someone in the family takes their own lives and those left behind never truly understand why or how that person was feeling inside. It is very hard, and I feel your pain. Cry, let it out, and then take God's hand. He will get you through it somehow. There will be a brighter day. They are together now. Maybe that will help some. God bless you and your family. {{{hugs}}}
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you only have to look into your heart to know what is right and what is wrong. I am not going to argue religion with you. I have my beliefs and you have yours, or disbeliefs in your case, and I am not going to argue with you about who is right and who is wrong. Time will tell that, in the end. and no one said anything about someone coming into your room on your deathbed and preaching to you, personally. It sounds like you are so opposed to it because you may actually be wrong about it more so than you just do not believe. Good luck to you.
My message above should have had SM as there is more
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See message -- going it alone
Think of a younger family member. Well everyone thought I was nuts to take my almost 18 year old nephew with me to San Francisco as I could not do the "night life" but we had a wonderful time. never walked so much in my life. We have always gotten along but he is so easy to travel with and appreciative of it. Went to a Giants game, did the Fisherman's Wharf almost everyday. Got lost. Took wrong buses and it was so nice being with someone that never got upset, enjoyed the little things and went with the flow. We talk about it all the time. I gave him so much money every day which was out budget for meals and "fun things" and he saw how the money went and if we did not spend much for breakfast it left that much more for dinner or something "extra". He had to figure out what the tips were, etc. It was great -- I did not have to handle money at all, left it all up to him. He read the maps and got us around with buses, etc. It was also nice that I did not have to worry about someone drinking too much and ruining the next day which is what my ex did more times than not. Saw everything down there. There is why I am thinking of taking him (now 19) and his 17 year old brother to Boston with me. So think of taking a younger family member that will enjoy it with you if you do want to share some special time with them. There are a lot of great teenagers out there that do like to spend time with adults.
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http://www.sydneyscloset.com/
YES!!! See message
Hey, this happened to us just about a month ago. My hubby needed his ASAP!! I called the Records place in Kansas (where he was born) and they were willing to overnight it to me. Now, the total cost including the certificate was 36 dollars and we didn't get it until after 5 p.m. (could have paid more to get it before noon) on the 2nd day (ordered it on Tues, got here on Thurs), but I ordered it after 4 p.m. too, so you could probably get it faster. good luck!!!
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I don't mean this to sound rude or harsh, but I would tell them to start saving up now for moving expenses in October. If they have the next four months to save, they could probably find another place to live and pay for security deposits and moving transportation, etc. This is not a good financial situation, it sounds like, and I really do not foresee acquiring a loan in time to purchase this home, not to mention them not being able to meet the payments if they do secure a loan. I would tell them to prepare for the inevitable now, so they are burdened with financial problems when the time arises, and it most likely will. To keep them from moving in with you, this would be the best route for all involved. It is not your responsibility to solve their problems. Good luck to you.
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My friend just went through the same thing but because she didn't want to be alone, they stayed together until recently. He was having an affair and the other lady divorced her husband which is when he decided he was not going to stay married to her. I guess I'm saying this because I have seen what my friend has gone through with the other lady and if your husband feels that way, he might also find someone with the same interests. It is better to separate/divorce before an affair than during/after, as in the case with my friend. Good luck!
No Message
If you look at the end of the subject, before you click on it and it says NM at the end, that means there's no message inside. I hope that helps and didn't confuse you more.
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Have you tried PetShed.com or other out of the country suppliers? I get mine for half the price. I also have several inside cats and this is much cheaper, even with shipping. Same pharmaceutical company making it, same med as in the US, just cheaper, because big pharma aren't buying the other countries.
sorry, there IS a message in there! sm
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I too have an old cat, nearly 17. She has moved into my closet and spends time between my closet and my husband's closet. Odd behavior. She mews very loudly all the time and I don't think she sees well. I believe if the cat wanted to go out, I would let him. He might want to die and you "find" him afterwards rather than watch him die. Sorry about your cat. My Sam is not far behind I am afraid.
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I am looking for Tabletops Gallery dinnerware, pattern is Winterland. Kohl's has this dinnerware 80% off, and I love the pattern, but they had no plates. They have cereal bowls, coffee mugs, and serving bowls, and that's all. I'm mainly interested in the dinner plates and salad plates. If anyone knows where I might find this dinnerware, please let me know. I appreciate it very much!!
To different message
Thank you for your reply....this is the kind of input that I was looking for without being bashed in the process....thank you....
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You need to talk to him as wife to husband, leaving the other people out of it. I mean completely, because if you mention them, he will get defensive.
Just talk to him about not being as close to him as you would like. Ask if there is something he would like to talk to you about. Let him talk. (Yes, I know, men are great talkers!). Try being calm. Good luck, because I wouldn't be, but try. Say you would like to make plans to do things as a couple. Say you might like to include other friends, if he would like, but don't mention that other couple. Make it all sound like it is between the two of you and only the two of you. Try to be very loving. If fact, I would go out of my way to show him how much you care about him.
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Can you email me and maybe can discuss a little more on the issues you and I both are having. Thanks!
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How do I do that exactly?
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I understand what you are saying. I am happy that we are all able to enjoy ourselves, but it is a bit hard to see a thread or two that get stuck in between. You can always E-mail MTStars Administration and maybe they will make a separate board for games, or a Gab Board 2, that way everyone will get appropriate response to their threads and still allow a place for fun. 
Moderator
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Our Terms of Service are available at mtstars.com (look to the left).
Also, I would like to make you aware that as Moderators we are able to see IP addresses. I can see that you are the same person who is continuing this argument. You are also the same person who said something extremely crude to the Moderators approximately 2 weeks ago on the Medquist board...a place where you frequently create problems.
Moderator
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I will address these posts and then the discussion will finish.
1. Yes, we are able to see IP addresses, so we do know exactly who is continuing arguments -- I was referring to the person located in Mt. Laurel, NJ.
2. There is more than 1 Moderator for this site. As far as which Moderator deletes/edits/locks which post, I cannot keep track of this information. If you are following the site TOS, there should be no problem with your post.
Moderator
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You can E-mail the site Administrator and make this suggestion.
Moderator
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The other moderator is correct, there are 4 of us. We are not always aware of what has gone on with threads. From what I can see you did post the msg below, but it was not you who responded with the crude comments. That would be the same poster who WAS continuing the argument on the previous thread.
I do apologize for the accusations, but please understand we err too. We get just as worked up when people start fighting and writing rude remarks.
I am not familiar with previous experiences with you, so I will not comment on those.
I will say, though, that the moderator did explain not to comment on closed threads. There is a reason they get closed, and opening that door back up won't fix anything. Since the moderator explained it and this thread was still started, it's very easy to assume that you are trying to start an argument. If you aren't, that's wonderful. We don't like the fighting anymore than the next person, and we certainly don't like to ban anyone. We would much rather lock or delete posts and give everyone a chance to cool down. If time goes by and one starts posting the same things, we have to assume they are starting fights.
If you have any questions, feel free to email me.
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We are aware of who is causing problems.
Moderator
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I'm very sorry for your health issues, and I'm starting to think you're right about doing it along the way.
My mother, who is 55, has so many health issues it's simply hard to believe some days. BUT, she's been telling me the same thing....I get the mom lecture, saying..you need to take care of yourself. You're running yourself ragged. If you don't start now, you'll end up just like me. I did the same thing you did, and it was always about you kids, but look at me now. You're all grown up, and I have a hard time enjoying my grandkids because I'm doctoring all the time.
Of course, hindsight is 20/20, and I still hardly ever listen to my mother...even though I know I SHOULD:-)
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My mom was the only caretaker of my grandmother. There were two other siblings but they never showed up and when my aunt did show up, she didn't have a clue how to take care of her because she never did. My grandmother was diabetic and over time, deteriorated to bedridden with Alzheimers. Well, since my aunt couldn't ramble with her and act silly "visiting" with relatives, she certainly did not want that day-to-day around the clock care needed. So my mother got power of attorney for all her needs, thereby eliminating any interference from her siblings. They just didn't get it and even though my GM passed away two years ago, they still have some strange resentment towards my mother. She had nothing to bury herself with, so my mother paid for that as well with a little help from me. Her siblings showed up for the burial arrangements as if it were any of their business but never offered a dime to pay for anything. They actually thought my mother had hoarded money from my GM, who by the way, got around $300 a month in SS (rich huh?)and that all went for special meals, medications, and other necessitites that Medicare did not pay for. My mother lives on limited income herself, so no extras. She had absolutely no assets so nothing of material value whatsoever. My uncle's sons told me they wanted to help pay for the burial, since they knew their dad wasn't going to help, but my mom wouldn't accept it. I can't blame her. My aunt had the gall to hand over $40 bucks that HER sister-in-law gave to "help out" but my aunt never offered a dime. Go figure! Long story short, get power of attorney for your father and tend to him yourself. If your sister has a problem with that, too bad. She didn't want the responsibility before and won't have to worry about it now. Sorry this sounds so mean, but sometimes you gotta do what you gotta do.
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All kinds of weird things happen when your pregnant. I remember my baby pressing on my ribs and it was hard to breathe. It could be something like that. I'm sure it isn't anything to worry about. Hang in there, not much longer to go. Good luck to you!
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