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Apr 1, 2015
1:21
:39
pm
neopolitech
I just can't get into his show at all.
I think he does give some good advice, but he sometimes takes it too far. There are circumstances where not paying a debt off completely even if you have the money to pay it off right then and there is not the right decision.
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neopolitech
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neopolitech
Joined
Feb 15, 2015
Last login
Dec 29, 2023
Total posts
853 (45 FO)
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Messages
Author
Time
I heard Dave Ramsey tell a caller today to not participate in their employee
cheezedawg
3/31/15 10:48pm
Thats nuts
wapiti
3/31/15 10:51pm
His advice is geared towards those in debtors prison. His tactics are extreme
TrueAndBlue
3/31/15 10:55pm
Yes. Ramsey to get out of debt. Then Clark Howard for living frugally/well
runnincoug
3/31/15 11:11pm
Yeah - all the mutual funds he tells people to buy *never* go down
Jersey hunter
4/1/15 9:13am
Ramsey's advice is targeted for financial incompetents and poor decision makers
BIG XII Coug
3/31/15 11:00pm
But this advice is a poor decision
workindev
4/1/15 6:11am
Comment is spot on, but I think 98.5% of the population fits this bill
AzCoug1
4/1/15 7:16am
His advice should be to sell right away when you actually get the shares
cougarnerd
3/31/15 11:14pm
I think you need to hold for 12 months to avoid capital gains
Downtown
3/31/15 11:15pm
You don't avoid capital gains, but you do get the lower long-term rate
Mikey
3/31/15 11:18pm
Not capital gains - you avoid paying income tax on the gains
TrueAndBlue
3/31/15 11:20pm
Right, that's what I meant...thanks
Downtown
3/31/15 11:21pm
Only if you use the stocks to pay tithing.
grosven
4/1/15 2:49am
This discount you receive when you purchase the shares is taxable income even if
workindev
4/1/15 6:12am
^^^^^^^this. ESPP shares are a GREAT deal. Generally speaking your money is at
Acorn
4/1/15 7:25am
Well, the amount of income vs gain/loss depends on if its a qualifying or
cheezedawg
4/1/15 9:06am
The advice about paying extra for your mortgage is foolish
thecelloguy
4/1/15 6:01am
Huh? Paying one months extra a year on a $250k home at 4% on a 30 year loan
Bert609
4/1/15 6:57am
I don't think you read my post
thecelloguy
4/1/15 7:01am
You are missing a key part of the analysis
workindev
4/1/15 7:16am
Paying off your mortgage is only wise if you can't find something that gets
Jersey hunter
4/1/15 9:20am
That's right in line with what Dave Ramsey suggests.
db59840
4/30/15 1:09pm
I totally disagree. His advice (in context) is sound
AzCoug1
4/1/15 7:29am
Under those circumstances I agree.
thecelloguy
4/1/15 8:34am
Dave Ramsey's advice plays on emotions
Acorn
4/1/15 7:39am
more like dave scamsey...ammiright???
thebruce
4/1/15 8:09am
I just can't get into his show at all.
neopolitech
4/1/15 1:21pm
I don't have any experience with stock purchase plans. What are they? I've
db59840
4/30/15 1:07pm
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