Career

Feb

Dave Ramsey Advice – January 31, 2011

By iadmin · Comments (0)

Why retirement before college?

Dear Dave,
I noticed that your Baby Steps list puts saving for retirement before saving for your kid’s college fund. Sending your kids to college would come first on the timeline, so why do you suggest this?
Jen

Dear Jen,
I advise this approach because everyone is going to retire someday, unless, of course, they happen to die before reaching retirement age. Retiring and eating are necessities. College is a luxury. Lots of people succeed in life without going to college, and thousands have worked their way through college. I worked 40 to 60 hours a week in college, and I still graduated in four years.

Having a college fund set aside by your parents is really nice, if they can afford that kind of thing. But you can go to school by getting good grades, applying for scholarships, working your tail off, and choosing a school you can afford. I believe in education, but there are lots of ways to get a college degree other than having your parents foot the bill.

The last time I checked, there aren’t any good ways to retire except for getting yourself ready for retirement. I mean, you can always live off Social Insecurity and buy that great cookbook, “72 Ways to Prepare Alpo and Love It,” but I don’t consider that a plan.

In short, college funding is not a necessity. That’s why it follows saving for retirement in the Baby Steps. Should you try to save up for your kid’s college education? Sure, if you can. But there are lots of parents out there who won’t be able to pay a dime toward someone’s college education. And that doesn’t make them bad parents!
—Dave

Technorati Tags: college funding, College is a luxury, College Saving Advice, Dave Ramsey, Dave Ramsey Advice, saving for retirement, saving for your kid’s college, succeed in life without going to college, ways to get a college degree

Categories : Career, General, Life, Planning, Saving Money

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Jan

Dave Ramsey advice -January 24, 2011

By iadmin · Comments (0)

Dating on a dime

Dear Dave,
I’m a recent college graduate, and I’m determined to follow your plan and get out of debt. My biggest problem is when it comes to dating. Things aren’t cheap today, so aside from not dating, how do you handle this area of your life when you’re trying to get your finances in order?
Roland

Dear Roland,
First of all, you definitely need to date people. I couldn’t have gone without dating, especially at your age. So, I’m not going to tell you to do something I couldn’t do.

There’s absolutely nothing wrong with dating inexpensively if you’re thoughtful. Just don’t be so cheap that you’re freakish about things. There are plenty of nice, stylish places that don’t cost an arm and a leg. A picnic and a Frisbee will go a long way on a pretty day! Your efforts to be a gentleman and make things happen in creative ways will be a lot more charming to any lady worth dating than throwing down an extra $100 at a snooty restaurant you can’t afford.

The other thing is to make dating part of your monthly budget. In your situation, it’s a legitimate expense, and you need to make it part of your financial game plan. Then, if you’re seeing someone on a regular basis, and the money in the “dating” envelope is getting low, you can explain to her that you’re working hard to manage your money properly so you’ll be wealthy one day.

This will make you even more attractive to the right kind of person, because it shows that you’re mature enough and responsible enough to be thinking toward and planning for the future!
—Dave

Technorati Tags: college debt, dating and debt, dating inexpensively, Dave Ramsey, dave ramsey advice college, financial game plan

Categories : Career, General, Life, Saving Money

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Nov

Encouragement

By Parkey Thompson · Comments (0)

This past Monday was a big day. I had been invited to attend the Get Motivated Seminar in Atlanta. Many were going to be there and the speaker list included Colin Powell, Lou Holtz, Steve Forbes, Bill Cosby and Rudy Guilliani. My big excitement was that I was going to have the opportunity to meet Zig Zigler. For years Zig has been motivating people around the world. As it turns out, I was fortunate to meet not only Zig but his daughter Julie and the Red Head.

Due to an accident a couple of years ago, Zig is not the same person he once was. However, he still has it. I think I could have talked to him for hours.

It was interesting that while we had never met that I was treated just like someone he had known all his life – not only by Zig, but with his wife and Julie. What a great family.

As I came around the corner at what appeared to be the 50-yard line of the Georgia Dome, Zig extended his hand and I introduced myself. The next words out of his mouth were, “you need to write a book.”. It was like he had been waiting on me just to tell me that. Did he really know what I had in my pocket?

I explained to him that the book was in progress and I had a copy to give him. When I said that he asked me, “does is encourage people and do you use the word encourage?”. Frankly, I wanted to say yes, but could not as I wanted to make sure first. His words of encouragement to me were that people today and everyday are looking for someone who will encourage them. People want encouragement.

After some time together, we parted as he was coming on stage. As he spoke, I looked around to the 10,000 plus people in attendance and it dawned on me – we are all here looking for encouragement. The encouragement we were looking for was to come from the leaders speaking that day. I am not sure who left encouraged, but this ol’ boy did.

How about you. Do you need encouragement? Are you encouraging those you are around?

Zig truly encouraged me to keep helping people with their finances, their careers, and with their life goals.

Categories : Career, Coaching, Encouragement

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Aug

Is It Your Time?

By Parkey Thompson · Comments (0)

This morning the unemployment numbers were announced that indicate and increase in the number of first-time filers when projections were for a reduction in that number. It seems as if the numbers keep bouncing back and forth and there is no real progress in getting people back to work.

Many are now in a position to where their positions are no longer there. Like many manufacturing positions over the last couple of decades, many jobs may be lost and will never return. Those affected will need to look at retooling or retraining to find a position in the workforce.

But what about you and that business you have always wanted? What about you taking the steps now to move you into that role you have sought? So many people are now frozen, like a deer in the headlights, because they do not have a plan B. What is your plan B? C? D? …..

Now is the time to get moving. Don’t wait on someone else’s approval. Go for it.

We tend lose sight and remembrance of things in our past. Despite the continual efforts of a government leaders to lenthen this recovery, we will recover. The question is what our workforce will look like then. Many companies have started in the rubble of an economic downturn. When I was in high school in the late 70′s and early 80′s, most had never heard of the personal computer. Most were unaware and afraid of computers. And while IBM was developing this machine that would help businesses, a few guys were getting their heads together and dreaming about what could be. Today, Apple and Microsoft are household names.

I am so glad the economic collapse of those years did not stop them from pursuing what they did. Wow, look at the money they have made for themselves (Gates, Jobs, et al), as well as those who have invested in those companies since then.

What are you waiting on?

Categories : Career

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Dave Ramsey Advice – January 31, 2011

Why retirement before college?

Dave Ramsey advice -January 24, 2011

Dating on a dime

Encouragement

Is It Your Time?

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