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Post by kalm »

CID1990 wrote: Wed May 13, 2020 12:35 am
SDHornet wrote:
I listen to him when I can. He's on 3-6 PM here so usually on the commute home I have him on. Funny thing is I was raised with the "live within your means and don't take on debt" mentality so most of what he said wasn't anything new to me. He stays pretty apolitical and essentially rags on all politics because they have no concept of "living within your means" wrt to the national/state budget. But it wouldn't surprise me if he said some positives things because Trumps economy got a lot of people to work at jobs that we were supposed to never see in the US again.

Oh, he's also a "lost it all and pulled myself up by my bootstraps" story so that could be another reason the Marxists hate him.
Yeah I’m waiting for klam to drop the other shoe for us


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My financial advisor passed away last week and I’m meeting with the replacement from his group. Dude sent me an intro announcing how he’s one of the top rated Ramsey disciples in the country and also mentioned how their investment theories are biblically based.

I really don’t care about the religion or the politics of someone who makes me money, only the comfort factor and trust. That’s why I’m still meeting him this week. But I also read a less than flattering Money piece on Dave Ramsey and his showmanship based network to acquiring wealth.

Since I’ve tended to be a magnet for two specific groups my whole life...evangelicals who want to cast Satan out of me, and multi level marketing cultists, the radar went off.

Never been burned and I’ve learned to be better at avoiding these type of relationships quickly as I grow older.
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Post by CID1990 »

kalm wrote:
CID1990 wrote: Wed May 13, 2020 12:35 am Yeah I’m waiting for klam to drop the other shoe for us


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My financial advisor passed away last week and I’m meeting with the replacement from his group. Dude sent me an intro announcing how he’s one of the top rated Ramsey disciples in the country and also mentioned how their investment theories are biblically based.

I really don’t care about the religion or the politics of someone who makes me money, only the comfort factor and trust. That’s why I’m still meeting him this week. But I also read a less than flattering Money piece on Dave Ramsey and his showmanship based network to acquiring wealth.

Since I’ve tended to be a magnet for two specific groups my whole life...evangelicals who want to cast Satan out of me, and multi level marketing cultists, the radar went off.

Never been burned and I’ve learned to be better at avoiding these type of relationships quickly as I grow older.
OK

So, not the boogeyman, and -

His basic message is sound

Right?
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Post by kalm »

CID1990 wrote: Wed May 13, 2020 5:37 am
kalm wrote:
My financial advisor passed away last week and I’m meeting with the replacement from his group. Dude sent me an intro announcing how he’s one of the top rated Ramsey disciples in the country and also mentioned how their investment theories are biblically based.

I really don’t care about the religion or the politics of someone who makes me money, only the comfort factor and trust. That’s why I’m still meeting him this week. But I also read a less than flattering Money piece on Dave Ramsey and his showmanship based network to acquiring wealth.

Since I’ve tended to be a magnet for two specific groups my whole life...evangelicals who want to cast Satan out of me, and multi level marketing cultists, the radar went off.

Never been burned and I’ve learned to be better at avoiding these type of relationships quickly as I grow older.
OK

So, not the boogeyman, and -

His basic message is sound

Right?
So far yes. We only talked on the phone. Zoom meeting on Friday where he’ll expand. Like I said, I’m open minded about it, but to use CID terminology, I’ve also embarked on a cunt removal mission in my life. Just need to be at ease with those helping me with financial decisions.
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Post by CID1990 »

kalm wrote:
CID1990 wrote: Wed May 13, 2020 5:37 am OK

So, not the boogeyman, and -

His basic message is sound

Right?
So far yes. We only talked on the phone. Zoom meeting on Friday where he’ll expand. Like I said, I’m open minded about it, but to use CID terminology, I’ve also embarked on a cunt removal mission in my life. Just need to be at ease with those helping me with financial decisions.
Well if he turns out to be the boogeyman, then I won’t tune in to him when I’m back in good OL Murica

But his message of frugality is sound, regardless of who he is or whatever sins he may have committed
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Post by kalm »

CID1990 wrote: Wed May 13, 2020 5:45 am
kalm wrote:
So far yes. We only talked on the phone. Zoom meeting on Friday where he’ll expand. Like I said, I’m open minded about it, but to use CID terminology, I’ve also embarked on a cunt removal mission in my life. Just need to be at ease with those helping me with financial decisions.
Well if he turns out to be the boogeyman, then I won’t tune in to him when I’m back in good OL Murica

But his message of frugality is sound, regardless of who he is or whatever sins he may have committed
I agree. He seems to provide compelling tough love and help a lot of younger people get out of debt. Many people need that (hell, we all probably do). The Money piece was about his current success with millennials. But there’s still a strong preachy carnival barker vibe to him. Reminds me of the preacher in Fletch Lives.
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Post by Winterborn »

Chizzang wrote: Tue May 12, 2020 5:01 pm
Winterborn wrote: Tue May 12, 2020 4:20 pm

I guess we will have to disagree the Christian point. Even the devil can cite scripture if it fits his purpose and you will know them by their fruits. :)

I am genuinely curious on what ones you don't think have been hijacked? There isn't a major religion or cause that I can think of that hasn't been abused in some way by somebody through history. I am not the most widely read so I could easily be missing something (or someone), hence my curiosity.
it's not who's citing scripture (such as the Devil)
its that they can successfully take unaltered scripture and verse in context and create mayhem
Be it the devil or Donny Osmond is irrelevant

Islamic extremists cite scripture and verse in unaltered context

and do you consider 5 million enough humans to constitute an ideological movement..?

That is something I should of known and now feel stupid for even asking. :doh:

5 million is more than enough.....
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Post by CID1990 »

kalm wrote:
CID1990 wrote: Wed May 13, 2020 5:45 am

Well if he turns out to be the boogeyman, then I won’t tune in to him when I’m back in good OL Murica

But his message of frugality is sound, regardless of who he is or whatever sins he may have committed
I agree. He seems to provide compelling tough love and help a lot of younger people get out of debt. Many people need that (hell, we all probably do). The Money piece was about his current success with millennials. But there’s still a strong preachy carnival barker vibe to him. Reminds me of the preacher in Fletch Lives.
He sounds like a carnival barker because he says the same thing over and over and over again

I feel that way about China and I’m sure I sound that way too

Like a carnival barker.... it doesn’t mean we’re Wronge
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Post by Ivytalk »

kalm wrote: Wed May 13, 2020 5:42 am
CID1990 wrote: Wed May 13, 2020 5:37 am

OK

So, not the boogeyman, and -

His basic message is sound

Right?
I’ve also embarked on a cunt removal mission in my life.
Sounds like a thread/poll topic. “If you could remove 3 cvnts from your life, who would they be? No relatives or in-laws, please”
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Post by Chizzang »

Winterborn wrote: Wed May 13, 2020 6:12 am
Chizzang wrote: Tue May 12, 2020 5:01 pm

it's not who's citing scripture (such as the Devil)
its that they can successfully take unaltered scripture and verse in context and create mayhem
Be it the devil or Donny Osmond is irrelevant

Islamic extremists cite scripture and verse in unaltered context

and do you consider 5 million enough humans to constitute an ideological movement..?

That is something I should of known and now feel stupid for even asking. :doh:

5 million is more than enough.....
Okay,
Jainism is a religious ideology that when taken to its extreme creates an even more peaceful human
Its primary tenet is "do no harm"

the crazier and more extreme you get as a Jainist the more passive honest and helpful you become
The problem isn't really extremism the problem isn't really fundamentalism
the real problem is a poorly constructed ideology

another example would be orthodox Jews
they don't have televangelists defrauding their congregations because they have a tenet that addresses just that
they have a better ideological solution - "You shall not make wrongful use of the name of the Lord"
this encompasses the entire concept of profiting from god

in Christianity, in application, it means don't say "Jeezus christ expletive"
in Orthodox Judaism, it encompasses all uses of the name of the lord including speaking on behalf of the lord
and in its extreme application, orthodox Jews stop and say a prayer after using the word "Lord" or "God"
it's an improved ideological position

extremism and fundamentalism - if the ideology is well constructed - is no issue

:nod:

thus for me: Crazy Christians and Crazy Muslims aren't very different
they have a flawed instruction manual that when taken to its extreme end - leads to a kind of insanity
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Post by CID1990 »

Chizzang wrote:
Winterborn wrote: Wed May 13, 2020 6:12 am
That is something I should of known and now feel stupid for even asking. :doh:

5 million is more than enough.....
Okay,
Jainism is a religious ideology that when taken to its extreme creates an even more peaceful human
Its primary tenet is "do no harm"

the crazier and more extreme you get as a Jainist the more passive honest and helpful you become
The problem isn't really extremism the problem isn't really fundamentalism
the real problem is a poorly constructed ideology

another example would be orthodox Jews
they don't have televangelists defrauding their congregations because they have a tenet that addresses just that
they have a better ideological solution - "You shall not make wrongful use of the name of the Lord"
this encompasses the entire concept of profiting from god

in Christianity, in application, it means don't say "Jeezus christ expletive"
in Orthodox Judaism, it encompasses all uses of the name of the lord including speaking on behalf of the lord
and in its extreme application, orthodox Jews stop and say a prayer after using the word "Lord" or "God"
it's an improved ideological position

extremism and fundamentalism - if the ideology is well constructed - is no issue

:nod:

thus for me: Crazy Christians and Crazy Muslims aren't very different
they have a flawed instruction manual that when taken to its extreme end - leads to a kind of insanity
Did anyone tell the Jainists that the Quakers already went there, did that?


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Post by Chizzang »

CID1990 wrote: Wed May 13, 2020 9:16 am
Chizzang wrote:
Okay,
Jainism is a religious ideology that when taken to its extreme creates an even more peaceful human
Its primary tenet is "do no harm"

the crazier and more extreme you get as a Jainist the more passive honest and helpful you become
The problem isn't really extremism the problem isn't really fundamentalism
the real problem is a poorly constructed ideology

another example would be orthodox Jews
they don't have televangelists defrauding their congregations because they have a tenet that addresses just that
they have a better ideological solution - "You shall not make wrongful use of the name of the Lord"
this encompasses the entire concept of profiting from god

in Christianity, in application, it means don't say "Jeezus christ expletive"
in Orthodox Judaism, it encompasses all uses of the name of the lord including speaking on behalf of the lord
and in its extreme application, orthodox Jews stop and say a prayer after using the word "Lord" or "God"
it's an improved ideological position

extremism and fundamentalism - if the ideology is well constructed - is no issue

:nod:

thus for me: Crazy Christians and Crazy Muslims aren't very different
they have a flawed instruction manual that when taken to its extreme end - leads to a kind of insanity
Did anyone tell the Jainists that the Quakers already went there, did that?
I'll check with all my Jainist buddies and see... but
one started in 500 bc the other started in the 1700's
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Post by 89Hen »

UNI88 wrote: Tue May 12, 2020 8:37 pm So you're able to remove the word machine from the response to Lahren's tweet and see that the message doesn't change and that there is truth to it? Or are you still tripping over your dick trying to distract from anything that makes conservatives look bad?
Why is it that cleets' memes nearly always take what is an absolutely valid and fine point on its own and add fake stuff that's completely unnecessary?
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Post by andy7171 »

SeattleGriz wrote: Sat May 09, 2020 2:28 pm
Chizzang wrote: Sat May 09, 2020 8:47 am

Why did God make masks... and also make Viruses and in general on a good day kill 25,000 toddlers
Where are you getting the 25k per day from?
Oh jeez, here we go.
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Post by SDHornet »

kalm wrote: Wed May 13, 2020 5:52 am
CID1990 wrote: Wed May 13, 2020 5:45 am

Well if he turns out to be the boogeyman, then I won’t tune in to him when I’m back in good OL Murica

But his message of frugality is sound, regardless of who he is or whatever sins he may have committed
I agree. He seems to provide compelling tough love and help a lot of younger people get out of debt. Many people need that (hell, we all probably do). The Money piece was about his current success with millennials. But there’s still a strong preachy carnival barker vibe to him. Reminds me of the preacher in Fletch Lives.
Ramsey's big thing is to get all your debts (minus your mortgage) paid off before you invest. The guy will call this the "debt snowball" and probably walk you through the "baby steps". So if you have any debt besides a mortgage, I'm guessing they'll tell you to not invest and pay off your debt first. As far as investing goes, here is a link to his breakdown (https://www.daveramsey.com/blog/how-to- ... tual-funds).

Personally I don't like the idea of 25% of my investment portfolio tied up in international markets. Especially not in a Trump economy. I go 30-30-30-10 because 'Merica!!! His investment strategy gets knocked because he is more concerned about long term return and uses a 12% average annual return over the long run which is on the high side. Ultimately do what you feel is right. I use Schwab and found loads of mutual funds with 12% average annual return over a 15 year or greater span. Whether those funds live up to expectations remains to be seen, but I'll let you know in 30 years.
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Post by SDHornet »

89Hen wrote: Wed May 13, 2020 9:46 am
UNI88 wrote: Tue May 12, 2020 8:37 pm So you're able to remove the word machine from the response to Lahren's tweet and see that the message doesn't change and that there is truth to it? Or are you still tripping over your dick trying to distract from anything that makes conservatives look bad?
Why is it that cleets' memes nearly always take what is an absolutely valid and fine point on its own and add fake stuff that's completely unnecessary?
Because that's his role on this forum.
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Post by Ibanez »

SDHornet wrote: Tue May 12, 2020 9:47 pm
CID1990 wrote: Tue May 12, 2020 9:14 pm
I only know him from occasional highway boredom when I would put talk radio on the dial

I recall thinking that we would be in great shape as a country if people just followed his basic message of avoiding/getting rid of debt, and living within one’s means.

Maybe he said something nice about Trump since then or sold a bunch of books or didn’t donate to COVID relief, making him evil and his message wrong or something, I dunno


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I listen to him when I can. He's on 3-6 PM here so usually on the commute home I have him on. Funny thing is I was raised with the "live within your means and don't take on debt" mentality so most of what he said wasn't anything new to me. He stays pretty apolitical and essentially rags on all politics because they have no concept of "living within your means" wrt to the national/state budget. But it wouldn't surprise me if he said some positives things because Trumps economy got a lot of people to work at jobs that we were supposed to never see in the US again.

Oh, he's also a "lost it all and pulled myself up by my bootstraps" story so that could be another reason the Marxists hate him.
Ramsey peddles what should be basic knowledge. He lost me when he said you don't need a credit score. Just save and live within your means. That's great advice unless you want to buy a house at some point in your life. Eventually, you need a credit score.
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Post by Ibanez »

SDHornet wrote: Wed May 13, 2020 10:49 am
kalm wrote: Wed May 13, 2020 5:52 am

I agree. He seems to provide compelling tough love and help a lot of younger people get out of debt. Many people need that (hell, we all probably do). The Money piece was about his current success with millennials. But there’s still a strong preachy carnival barker vibe to him. Reminds me of the preacher in Fletch Lives.
Ramsey's big thing is to get all your debts (minus your mortgage) paid off before you invest. The guy will call this the "debt snowball" and probably walk you through the "baby steps". So if you have any debt besides a mortgage, I'm guessing they'll tell you to not invest and pay off your debt first. As far as investing goes, here is a link to his breakdown (https://www.daveramsey.com/blog/how-to- ... tual-funds).

Personally I don't like the idea of 25% of my investment portfolio tied up in international markets. Especially not in a Trump economy. I go 30-30-30-10 because 'Merica!!! His investment strategy gets knocked because he is more concerned about long term return and uses a 12% average annual return over the long run which is on the high side. Ultimately do what you feel is right. I use Schwab and found loads of mutual funds with 12% average annual return over a 15 year or greater span. Whether those funds live up to expectations remains to be seen, but I'll let you know in 30 years.
Ramsey is good for getting yourself out of debt.


For investing advice, go to someone else. TD Ameritrade has a ton of resources and education. Dave's investment advice, unless it's changed is myopic - Mutual funds.

He completely ignores stocks, bonds, CDs, ETFs, REITs.
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Post by UNI88 »

89Hen wrote: Wed May 13, 2020 9:46 am
UNI88 wrote: Tue May 12, 2020 8:37 pm So you're able to remove the word machine from the response to Lahren's tweet and see that the message doesn't change and that there is truth to it? Or are you still tripping over your dick trying to distract from anything that makes conservatives look bad?
Why is it that cleets' memes nearly always take what is an absolutely valid and fine point on its own and add fake stuff that's completely unnecessary?
Artistic license? :-P
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Post by Gil Dobie »

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Post by Chizzang »

andy7171 wrote: Wed May 13, 2020 9:55 am
SeattleGriz wrote: Sat May 09, 2020 2:28 pm

Where are you getting the 25k per day from?
Oh jeez, here we go.
ha !!

Andy is gonna kick my ass if we ever run into each other at a CS.com event

:rofl:

hey! Andy I sent your kids candy bars (does that count for anything?)
Last edited by Chizzang on Wed May 13, 2020 12:17 pm, edited 1 time in total.
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Post by Chizzang »

SDHornet wrote: Wed May 13, 2020 10:53 am
89Hen wrote: Wed May 13, 2020 9:46 am
Why is it that cleets' memes nearly always take what is an absolutely valid and fine point on its own and add fake stuff that's completely unnecessary?
Because that's his role on this forum.
I just post the ones I see and think are funny...

:mrgreen:

I don't even necessarily agree with them
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Post by SDHornet »

Ibanez wrote: Wed May 13, 2020 11:36 am
SDHornet wrote: Tue May 12, 2020 9:47 pm

I listen to him when I can. He's on 3-6 PM here so usually on the commute home I have him on. Funny thing is I was raised with the "live within your means and don't take on debt" mentality so most of what he said wasn't anything new to me. He stays pretty apolitical and essentially rags on all politics because they have no concept of "living within your means" wrt to the national/state budget. But it wouldn't surprise me if he said some positives things because Trumps economy got a lot of people to work at jobs that we were supposed to never see in the US again.

Oh, he's also a "lost it all and pulled myself up by my bootstraps" story so that could be another reason the Marxists hate him.
Ramsey peddles what should be basic knowledge. He lost me when he said you don't need a credit score. Just save and live within your means. That's great advice unless you want to buy a house at some point in your life. Eventually, you need a credit score.
Agree that it should be basic knowledge, unfortunately it's not so you get those yahoos that call into his show with $250K in student loan debt for a sociology degree making $40k a year that have racked up another $100k of credit card debt trying to live a lifestyle their $40k a year can't support.

Regarding a credit score, meh. You build some credit just by renting and having utilities in your name. Any if you dig far enough you can find a lender willing to give you a home loan regardless of your situation (which is part of today's problem as well). I was able to easily qualify for a home loan with nothing more than a few years of credit card use and having paid off a car loan of $17k. It also helped that I had over 10% down and solid employment history so I was golden from a lenders perspective.

I don't agree with his "no credit card" philosophy either. I have a few but only use one and pay it off every month. If you have the financial discipline to live within your means, I don't see an issue with having a credit card and using it responsibly and benefit from the "rewards" and consumer protections that come with it.

I also don't agree with his stance of having a mortgage no more than 25% of your take home pay. I think going as high as 33% still leaves room in your budget for life stuff.
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Re: Political memes, Posters, Funny Pics, Etc.

Post by 89Hen »

Chizzang wrote: Wed May 13, 2020 12:14 pm
SDHornet wrote: Wed May 13, 2020 10:53 am

Because that's his role on this forum.
I just post the ones I see and think are funny...

:mrgreen:

I don't even necessarily agree with them
says the same guy who said this...
Chizzang wrote:Dude... srsly ?
I'm simply pointing out the problem with the meme CID posted (CID of all people)
Where it shows 3rd world boat people - then implies they are fleeing free education and free healthcare
which would them imply they were fleeing an advanced industrial nation - and they are fucking boat people

it was too stupid to let slide
You used to hate on erroneous memes, now you're the king of them.
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