That's what gets me. Charging that much and then referring to yourself as a 'ministry'. Come on.
That's what gets me. Charging that much and then referring to yourself as a 'ministry'. Come on.
Ummmm, you do realize that the radio show ( and advice ) is free, right?
His books are ROUTINELY on sale through his website for under $20 shipped.
I guess if a Doctor charges you for services then he/she deserves ridicule?
Dave Ramsey wouldn't have as big of a following as he does if his methods weren't helping people. I find it a little disingenuous to criticize him so harshly when he's helped thousands right themselves financially. I understand the critiques-paying off loans small to large doesn't make as much sense as paying off the highest interest rate loan first, but you have to remember that most of the people who're going through his program are doing the whole "gazelle intensity" thing, so the interest accruing on the higher interest loans (particularly in cases where credit cards aren't a major share of the debt) is almost negligible considering how quickly the loans are paid off.
I'm not one of his hardcore followers, but I hate to see people trashing him because he has a method that some people are passionate about.
That said, I find some of the things he does ridiculous, such as the process to become one of his ELPs.
I'm not one of his hardcore followers, but I hate to see people trashing him because he has a method that some people are passionate about.
That said, I find some of the things he does ridiculous, such as the process to become one of his ELPs.
dave ramsey thinks debt collectors are scum. That i can agree with
I apologize, Lightning. I do not care to "right" anyone, nor do i desire to discuss my financial strategy in life. From here out I will keep my personal opinions of Dave Ramsey to myself. I will, however, continue to badmouth and demonize him behind your back to everyone who speaks of his devilish tools in my presence.
I don't care about Ramsey as a person. His methods are the topic of discussion. You refuse to talk about the methods or the outcome of those methods, and focus instead on off-topic attacks.
So this video represents all of the union members at OWS?
I did give you his method I disagreed with in black and white.... I do not agree with his snowball method.I also stated I was responding to the comment of he has done great things. As for the outcome of those methods, anyone can pay off their debt with enough payments however the amount paid matters also. My main grudge against him is the very fact that he tells people to ignore interest rates on balances.
Yet you didn't. What you claimed he said was not a representation of his advice on the matter.
A lot of the smallest debts have the highest interest rates anyway. Credit cards, payday loans, etc. His rationale for approaching the smaller debts first is listed for free on his website.
I realize that you did respond to a post saying Ramsey had done great things, but I asked you questions in follow-up.
And in his years of assisting people he has found that the success rate of people who pay down the smaller debts first is higher than the people who beat on the higher interest rates first. He acknowledges that you are likely to pay more. He explains that the participants are more confident about paying down their debt when they are checking off small victories to lead with.
It is a mediocre plan. More people finish with it than they do with the perfect plan. Why is that a problem?
Your theories are exactly why corporations have moved assets offshore. If I own a business, I want them to maximize profit. Government regulation has forced them overseas to maximize profit. The last thing we need is bigger government and more regulation. I can't for the life of me figure out why anyone would look at the job our government is doing and say, "they're doing such a good job, they should make more regulations, take more taxes, and have more power."
You are correct, in saying that everyone wants to be in the US. If we did something about our ridiculous corporate tax rate, these corporations would bring trillions held offshore back to the US and put millions of people to work. Some people don't seem to understand that publicly traded companies are owned by "the public." Where do you think the profits from these corporations go? It goes to shareholders who pay capital gains taxes. A corporate tax is just a way for all of us to pay taxes twice. I for one, don't want the government taking a cut before I get a cut and then taxing me again on my cut.
An investor wants to make money. If company X can save $38 billion a year by moving jobs offshore, you as an investor want that to happen. The problem is not with the company. It is with the system that forces them to do so. By eliminating corporate taxes, you put the US on an even playing field with those countries that don't have corporate taxes. Those countries understand that these policies employ their citizens. If we were on an even playing field, those jobs would come home. The .gov would still get their share when they tax the capital gains income from shareholders.
By the way, GE is a major left contributing company who did everything possible to get Obama in office. All the "green jobs" and green "tax credits" being generated by the .gov greatly benefit GE. More regulation is not the answer. Get the .gov out of .com and allow the free market to work. Get the .com out of .gov and eliminate special interest groups and lobbyist in DC. I'm far more appalled by 7 figure politicians than I am by 7 figure business men and women.
Similar threads
