Recruiting Forum Football Talk II

Status
Not open for further replies.
#71,677
#71,677
Devo182 said:
His salesman hokum is financial nonense, that's all. From a finance MBA, I spot that BS. Usually from "financial advisors" which I fully expect it from. I would expect better from a guy selling $20 books to people merely trying to get out of debt. Dude went bankrupt in real estate...great example. What's worse...he's making millions selling prosperity narratives. Never really did it himself, just selling the how-to scheme when he's never really done it. Any salesman could.

"Hey, I never worked a real job and made it rich...but I've made millions selling to you people how to be rich...and now I'm rich...and oh yeah, Jesus something something...thank you for your money!".

I'm glad it works for some people...but it's stuff you could real online for free and better stuff. He does not teach optimal financial principles. He sells expensive exhibition packages for sub-optimal, basic financial education. Or cheap annual online classes for $130/year...to people that already can't afford anything. Almost any city has non-profits that teach it for free, and better. Sad imo.
Click to expand...

Weird crusade, Bro. Dave Ramsey may not be your cup of tea, but that's no reason to make up a bunch of lies about him. Quite the hot take. Lol.
 
  • Like
Reactions: 85SugarVol and Volfanatic_20
#71,679
#71,679
nicksjuzunk said:
Unfortunately when making my tea this morning I grabbed my favorite malty Assam when I intended to grab my lapsang souching which is my clear favorite for winter weather. While the Assam is wonderful I was looking for the strong smokiness of the other tea this morning
Click to expand...

Is that like putting Folgers in your cup instead of Blue Mountain Reserve?
 
  • Like
Reactions: Ulysees E. McGill, DynaLo and UTSuave’
#71,680
#71,680
Devo182 said:
His salesman hokum is financial nonense, that's all. From a finance MBA, I spot that BS. Usually from "financial advisors" which I fully expect it from. I would expect better from a guy selling $20 books to people merely trying to get out of debt. Dude went bankrupt in real estate...great example. What's worse...he's making millions selling prosperity narratives. Never really did it himself, just selling the how-to scheme when he's never really done it. Any salesman could.

"Hey, I never worked a real job and made it rich...but I've made millions selling to you people how to be rich...and now I'm rich...and oh yeah, Jesus something something...thank you for your money!".

I'm glad it works for some people...but it's stuff you could real online for free and better stuff. He does not teach optimal financial principles. He sells expensive exhibition packages for sub-optimal, basic financial education. Or cheap annual online classes for $130/year...to people that already can't afford anything. Almost any city has non-profits that teach it for free, and better. Sad imo.
Click to expand...
I bet you’re a legend in your own mind.
 
  • Like
Reactions: 85SugarVol, Ridgerunner Vol and SamRebel35
#71,684
#71,684
UTSuave’ said:
S**t works.although I use jack,its most effective if you drink it just before actually getting sick,even if you feel slightly different sore throat,running a fever (etc.) body aches.The same goes for drinking a glass of OJ just before you get sick to get your immunsystem levels up.props to you for drinking the hotty toddy with wild turkey though.thats rough🤭
Click to expand...

Lol it always felt like a punishment for getting sick.
 
  • Like
Reactions: UTSuave’
#71,687
#71,687
bleedsUTorange said:
The last go they said I could be developing chronic bronchitis to which I asked is that just something that can happen to an otherwise healthy person. I'm 35, always been in good health for the most part. Really odd to have just came on so quickly, but I also developed allergies out of nowhere this past year as well to the point I had to be put on medication.

My issues pale compared to what you and some others have dealt with. Just frustrating to not have concrete answers I suppose, or a permanent fix. I tire of visits and more prescriptions.
Click to expand...

In general, anytime you develop an acute bronchitis or a URI you can have a cough that lingers for 3-4 weeks. Coughs are notoriously difficult to treat just FYI.

Chronic bronchitis is unlikely and truly is a subtype of COPD. You would need symptoms of productive cough on most days for 3 months of the year for 2 straight years in addition to an obstructive pattern on pulmonary function tests. It’s mostly in severe long term smokers.
 
  • Like
Reactions: bleedsUTorange
#71,689
#71,689
BucVol98 said:
Coming from someone with a Bachelor's in Finance and soon to be Financial Advisor (gotta pass the Series 7 next week) @Devo182 is kind've right.........
Click to expand...
I can understand a $20 book that has helped others get out of debt making a financial advisor uncomfortable.

I haven’t read his books, only listened to Ramsey on the radio some. But I have heard of his advice helping a ton of people. Maybe most people need the mental/ motivation aspect of it more than the numbers side of it. Kinda hard to knock that.
 
  • Like
Reactions: InVOLuntary, drvenner and BleedorangeinGA
#71,693
#71,693
jackcrevol said:
thats awesome.

looks like Maple, Oak, & Poplar? Hard to tell. How long ago was that area cleared?
Click to expand...

Yeah its all that and even a maple or two. I have no idea how long ago it was cleared but I would guess 100 years, it used to be part of a large tract of land that butts up to the Oak Ridge Greenbelt that runs along the north rim of town.
 
  • Like
Reactions: quadlee21 and InVOLuntary
#71,695
#71,695
BucVol98 said:
Coming from someone with a Bachelor's in Finance and soon to be Financial Advisor (gotta pass the Series 7 next week) @Devo182 is kind've right.........
Click to expand...

No, he's not kind of right. Debt isn't a math problem, it's a behavior problem. Dave's baby steps are not the most mathematically efficient way to get out of debt. But they are the simplest way to create discipline in the realm of personal finance.
 
  • Like
Reactions: SmokinBob, crazyguy, Orange Studs and 9 others
#71,696
#71,696
SamRebel35 said:
No, he's not kind of right. Debt isn't a math problem, it's a behavior problem. Dave's baby steps are not the most mathematically efficient way to get out of debt. But they are the simplest way to create discipline in the realm of personal finance.
Click to expand...

tenor.gif
 
#71,697
#71,697
RiotVol said:
Wtf? Any insights on why you'd be giving that to your players? As simple as getting them to focus or something?
Click to expand...

Likely to focus since it is used to treat ADHD (note that I have not read the article yet). It is similar to adderall but with less intense side effects and withdrawals. It can also be used to treat/inhibit binge eating.
 
#71,698
#71,698
SamRebel35 said:
No, he's not kind of right. Debt isn't a math problem, it's a behavior problem. Dave's baby steps are not the most mathematically efficient way to get out of debt. But they are the simplest way to create discipline in the realm of personal finance.
Click to expand...
yup...i agree, but there are specific situations that i would exclude from a behavioral issue...now, signing up for big time car loans, cc's etc....i'm with you....and are usually the things that people do to themselves that create bad debt issues for themselves....

major medical or home maintenance emergencies...i would exclude from "behavior issues".....medical especially. home maintenance (replacing roof, a/c, furnace etc..), well, that is why you're supposed to 'save for a rainy day'......but even good savers will run in to issues that extend past their savings sometimes, so i'd still exculde that.
 
  • Like
Reactions: VolGee4 and chargervol
New posts
Status
Not open for further replies.

VN Store



Back
Top