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Viewing profile - Wino

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Wino
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Joined: Thu Aug 16, 2012 9:58 pm
Last visited: Tue Aug 21, 2012 10:22 pm
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 8 Posts / 66.67% of user’s posts ]
Most active topic: Dave Ramsey
[ 6 Posts / 50.00% of user’s posts ]

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Wino Posts

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 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Fri Aug 17, 2012 1:42 pm 

Replies: 27
Views: 6284


Apparently you misread my intent. Yes, general truisms work when followed. The problem is that most people do not follow the truisms. So, for most people, the Dave Ramsey advice to "eliminate all debt" is better than the alternative which is "continue to live beyond your income and gi...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Fri Aug 17, 2012 1:19 pm 

Replies: 27
Views: 6284


spending less than you earn is probably one of the few universal rules If this were true, then every diet book would say, "Consume less than what you expend" and every investing book the above, and every employment book would say, "earn more than you pay out." It really IS that ...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Fri Aug 17, 2012 12:56 pm 

Replies: 27
Views: 6284


I think people do far better when they actually give some serious thought to their situation, how they got into it, and figure out how to get out. Using a plan like DR's and others can give them a starting point if they're feeling lost Exactly. Dave's plan is no panacea to everyone in every situati...

 Forum: General Discussion   Topic: Can't find skilled workers

Posted: Fri Aug 17, 2012 12:35 pm 

Replies: 24
Views: 8354


I was trying to get an entry-level accounting job. For which I am educated and had the equivalent of entry level experience. I concentrated on my major need in my rant-post. I also need folks who can evaluate a request and submit a bid. I cannot find someone who can do this. Your quals seem appropr...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Fri Aug 17, 2012 12:15 pm 

Replies: 27
Views: 6284


OK... Let's look at it another way: Let's say you have $50K in consumer loans, be it car loans, student aid, or plain old "spent too much" credit card debt. It is pretty much a given that you are spending more than you are earning. Why are you doing this? In a minority of cases, it can be ...

 Forum: General Discussion   Topic: The Affordable Care Act - Dispelling FUD

Posted: Fri Aug 17, 2012 11:16 am 

Replies: 62
Views: 14735


So, I'm reading that increasing taxes is a good thing from the Obamacare supporters. I hope your income taxes go up 25% so you can get a better house for the guy next door, too. Fewking idiots who believe anything the government does is for anyone's benefit other than Congressmen. You can quote me o...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Fri Aug 17, 2012 10:31 am 

Replies: 27
Views: 6284


In my view, every dollar has a name without putting it on a piece of paper & forcing yourself to stick to it. Or heaven forbid...use a stupid envelope system...but if that's what you need to do to have financial independence, then do it. So, you have a budget, but you keep it in your head. You ...

 Forum: General Discussion   Topic: Can't find skilled workers

Posted: Fri Aug 17, 2012 1:50 am 

Replies: 24
Views: 8354


I am in my 50's and this is also half-rant. I have nearly 20 years experience as a corporate trainer. I am currently a technical shop manager/engineering director as well as having been a manager in the past. I am well aware of this subject from all angles. My staff is made up of electrical engineer...

 Forum: Personal Finance   Topic: Housing problems, no idea what to do.

Posted: Fri Aug 17, 2012 12:42 am 

Replies: 24
Views: 4890


Once again, I'm a contrarian, it seems. I would short-sell the townhouse. Right now, it has half of its original value. From what the OP said, this is likely to trend downward due to the factors outlined - poor management, no police interest, bad tenants, etc. So, I see negative future prospects and...

 Forum: Personal Finance   Topic: No expenses except food; where to put money?

Posted: Fri Aug 17, 2012 12:14 am 

Replies: 1
Views: 1689


I saw a similar post with someone living overseas. I, too, live overseas, and my contract terms are that my house, utilities, car (fuel, maintenance, everything), return trip annually to the US ... as the topic says, everything except food and entertainment is paid for. We also have some small US ex...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Thu Aug 16, 2012 10:33 pm 

Replies: 27
Views: 6284


This is my first post on this forum. Thanks to everyone who bothers to voice his opinion on the many diverse matters. I am by no means a person who believes in Dave Ramsey's method 100%, but I will defend it from some of the comments/points made by others herein. On the mathematics of paying off the...
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