The reason for the homelessness epidemic across this country? Dave Ramsey?

[Captante]

Yes, and no.

Just wait until they implement social credit scoring... then what you post on forums may actually render you homeless and unemployable.

We been reading 1984 again lol?

Before any BS like that happens it WILL come down to another "shooting" civil war.... but that still may happen anyway.

I know a bunch of REAL people who are homeless right now and not one of them is living outdoors/in a vehicle due to lack of credit or addiction.

I became LIVID with rage when the local "powers that be" bulldozed a local homeless community and then blatantly lied about there being "shelter-beds for all" and started REALLY getting involved to try to do something instead of parroting right-wing lies. (shameful)

This $hit has to stop.... between healthcare and homelessness combined with a concerted effort to relegate American women to "2ed class citizens" this country and it's "ideas" make me ashamed to be an American.

 

[sdifox]

Yes, and no.

Just wait until they implement social credit scoring... then what you post on forums may actually render you homeless and unemployable.

Why wait? You can move to PRC and enjoy social credit right now!

 

[Captante]

"Greatest country on earth" my fvcking a$$.

We should ALL be SO fvcking proud of the capitolist $hithole we call home .... what a goddamn joke.

Real "Satanism" is all about "me me me and screw EVERYONE else" .... sounds to me like we ARE "the great Satan" a lot of the world has been calling us for many years based on results.

 

[nakedfrog]

I disagree because MOST people don't even know who this "Dave Ramsey" character even is without Googling him lol (including me), and the majority of those that could pick him out of a line-up are too dumb to bother listening to "financial advice" anyway.

1000x more people screw themselves over WITH CC debt then the reverse.

America is rapidly devolving into one giant scam designed to separate normal working people like me and you from our money and our freedoms.

My partner's parents listen to Dave Ramsey, that's how I knew who he was. They've made (and continue to make) a number of very poor financial decisions.

If you're raising these points simply to spur debate that's one thing .... however if you genuinely believe "lack of credit" is driving homelessness in America in any significant way you need to get out more bro.

If you have the money to pay for it you can find a place to live in America and if not then you cannot. Yes it IS that simple.

We. Need. More. Affordable housing !!!!!!!!!

By that I believe he ultimately means "lack of credit history", not "lack of credit".

Yes, and no.

Just wait until they implement social credit scoring... then what you post on forums may actually render you homeless and unemployable.

Are you aware that's a right-wing conspiracy theory line?

"Greatest country on earth" my fvcking a$$.

We should ALL be SO fvcking proud of the capitolist $hithole we call home .... what a goddamn joke.

Real "Satanism" is all about "me me me and screw EVERYONE else" .... sounds to me like we ARE "the great Satan" a lot of the world has been calling us for many years based on results.

It sounds like you're describing classical LaVeyan Satanism (Church of Satan), which is mostly just Ayn Rand with occult shit wrapped around it (and does not involve an actual belief in Satan).
The Satanic Temple is different, and the two don't particularly like each other (TST also doesn't believe in Satan though).

 

[Captante]

My partner's parents listen to Dave Ramsey, that's how I knew who he was. They've made (and continue to make) a number of very poor financial decisions.

By that I believe he ultimately means "lack of credit history", not "lack of credit".

Are you aware that's a right-wing conspiracy theory line?

It sounds like you're describing classical LaVeyan Satanism (Church of Satan), which is mostly just Ayn Rand with occult shit wrapped around it (and does not involve an actual belief in Satan).
The Satanic Temple is different, and the two don't particularly like each other (TST also doesn't believe in Satan though).

The "church of Satan" isn't actually "satanism" at all in a biblical sense.

Although not a practicing member of any church I have read multiple editions of the bible cover to cover and speak from that experience. (FWIW I've also read Ayn Rand ... taken literally neither one is worth much)

Of course the entire idea of "evil" was fomented by a bunch of old, white men among whose primary "worries" was IN REALITY a bunch of "wise" women running around. (remember.... women ARE as a rule smarter than men too)

Sorta sheds light on the actual objectives of the current GOP/fake-Christian war on women's rights doesn't it?


EDIT: And to me "not having credit" and "not being credit worthy" mean the exact same thing.... ain't nobody lending you shite!



I've had an apartment or a share in a nice house for many years and despite having "disastrous/tragic" credit-scores during much of that time I had pockets full of "cashola" on-hand (lol) and thus NEVER had any trouble finding a place to live.

*(to be fair it certainly doesn't hurt that I'm an "OBWG" .... the number one "protected class" in America)




*(OBWG = "old bald white guy" or aka: "cop-kryptonite")

 

[Lost_in_the_HTTP]

What I think about this 'advisor' is unprintable in most venues.

 

[Dr. Detroit]

Dave Ramsay is great for the average person in America.

We have to realize how dumb people are, how impulsive they are, and how terrible they are at saving. Dave is like a cult, if you subscribe to his beliefs he will help you and in turn that helps everyone in society.

Dave's #1 premise is to save, buy a home, and pay off your house with extra payments. He knows if you have extra money the majority of Americans will spend it on scratchers, vices, consumerism, and worthless toys. So if you use it to create equity, that is paying yourself first.

It's much harder to remove the equity from your home to splurge on vices than if you had a regular savings account.

 

[Lost_in_the_HTTP]

^^^ He's human scum and there is no other term that can be used here.

 

[Torn Mind]

Homeownership is overrated; especially in the form of mortgages as stated in the article; its just renting but with different parties and enforcement mechanisms(and far less exploitable as foreclosure favors the state while eviction favors tenants). It's better to learn the ways of the already learned deadbeat tenants and grift off other homeowners.

Also, it's better if you don't own if you approach your expiration date.

 

[Lost_in_the_HTTP]

Umm, false.


I bought this place with one down payment and one cash balance payment 25 years ago. I've had no other payments since. I own it outright, in full. I can do what I want with it, make changes as I see fit on my schedule.

Short of defaulting on taxes for many years, no one could force me out.

I have not paid several hundred dollars a month in rent on a place I would never have ownership of. I do not have to beg and plead with someone to fix a leaky faucet.

 

[sandorski]

Dave Ramsay is great for the average person in America.

We have to realize how dumb people are, how impulsive they are, and how terrible they are at saving. Dave is like a cult, if you subscribe to his beliefs he will help you and in turn that helps everyone in society.

Dave's #1 premise is to save, buy a home, and pay off your house with extra payments. He knows if you have extra money the majority of Americans will spend it on scratchers, vices, consumerism, and worthless toys. So if you use it to create equity, that is paying yourself first.

It's much harder to remove the equity from your home to splurge on vices than if you had a regular savings account.

His advice seems ok for those making 100k+/yr, which already eliminates 50%+ of the population.

 

[Red Squirrel]

I do not have to beg and plead with someone to fix a leaky faucet.

To me that's one big advantage of ownership. I would hate having to be at the mercy of someone else when something does not work or when I want something to be different in the place that I live. I want the place that I live to actually be my own and not someone else's.

Even at work I kinda get annoyed with that. Things like changing a light bulb have to go to maintenance and it takes months for it to get done. Give me a ladder and I'll have it done in 5 minutes. There are times where I actually just did in fact change bulbs myself on a night shift even though we're not really suppose to, and even fixed a toilet. Nobody is going to complain because something works now.

 

[pete6032]

To me that's one big advantage of ownership. I would hate having to be at the mercy of someone else when something does not work or when I want something to be different in the place that I live. I want the place that I live to actually be my own and not someone else's.

Even at work I kinda get annoyed with that. Things like changing a light bulb have to go to maintenance and it takes months for it to get done. Give me a ladder and I'll have it done in 5 minutes. There are times where I actually just did in fact change bulbs myself on a night shift even though we're not really suppose to, and even fixed a toilet. Nobody is going to complain because something works now.

We'll if it's your massive poo that clogged it up it's OK for you to fix it.

 

[snoopy7548]

^^^ He's human scum and there is no other term that can be used here.

What do you hate more, FedEx or Dave Ramsey?

 

[Torn Mind]

Umm, false.


I bought this place with one down payment and one cash balance payment 25 years ago. I've had no other payments since. I own it outright, in full. I can do what I want with it, make changes as I see fit on my schedule.

Short of defaulting on taxes for many years, no one could force me out.

I have not paid several hundred dollars a month in rent on a place I would never have ownership of. I do not have to beg and plead with someone to fix a leaky faucet.

I can break someone's faucet and claim the landlord was negligent if they didn't do the pre rental inspection(Many non-English speakers got money to own and rent out but no legal skills).

 

[Dr. Detroit]

His advice seems ok for those making 100k+/yr, which already eliminates 50%+ of the population.

I think he is great for the average blue collar/trades workers and low level college educated folks.

The working class poor, not so much. The highly educated, not so much.

 

[Kaido]

if you approach your expiration date.

bruh

 

[Torn Mind]

bruh

I've craigslist'd many dead seniors' wares.

Last week, a $75 Inspiron 3880, sold by the late person's son.

And just today, I got a fake decorative tree from a house that just got sold. There was a walker for senior, thus, there is probative evidence to speculate someone died or is done with living a homeowner's life(maybe retirement home, or more macabrely, a nursing home).

Probate lawyers also make a killing.

Then another a couple years back, where a a couple died within months of each other(the lawyer male being the latter to die) and friends had to clear out the house of accumulated over decades. Very interesting in that the couple were workers of the Department of the Interior and had Native American roots.

 

[VirtualLarry]

I've craigslist'd many dead seniors' wares.

Last week, a $75 Inspiron 3880, sold by the late person's son.

Dell Inspiron Desktop (3880) Review

The Dell Inspiron Desktop (3880) is a no-fuss general-purpose PC that gives you just a bit more than the basics.

www.pcmag.com

That's a $500 10th-gen PC!

 

[Kaido]

MSN

As evidenced by this article, Dave Ramsey's advice to never get a CC, never take out a student loan, never get into debt, ever, results in people reaching adulthood, without a credit score, and being DENIED the ability to get a home. Multiply this out by his huge audience, and voila, a housing crisis in the making.

What do YOU think? Am I on to something here (and the linked article)? Should we try to silence Dave Ramsey's advice and radio show, in order to solve the homeless crisis?

1. Lobbyists run the government
2. There are no systems in place to permanently solve the American homeless crisis
3. Capitalism is a great system, but on the downside, breeds greed, thus we have problems like out-of-control housing prices (payments are $745 higher than pre-COVID times)

Improved zoning policies seems to be a good path to helping fix the housing prices: (i.e. build more houses = houses become more affordable because the market isn't so limited anymore)

https://ktla.com/news/nexstar-media-wire/nationworld/fix-zoning-fix-the-housing-crisis-economists-say-in-new-poll/

I know a lot of people who have benefitted from Dave Ramsey's financial advice. It all kind of boils down to this:

58% of Americans are living paycheck to paycheck:

https://www.cnbc.com/2023/04/11/58percent-of-americans-are-living-paycheck-to-paycheck-cnbc-survey-reveals.html

It's difficult because food prices are out of control, inflation was 6.5% last in 2022, the average new car payment is $716, and the average monthly home payment is now $1,600. But, as humans, we also spend our money in a lot of dumb ways. A lot of people simply need help in adopting a system that will help them get out of debt. It's like having a personal trainer...you could just roll out of bed & do calisthenics at home for free, but having a Peloton or trainer at the gym helps with the motivation, so if someone is struggling & wants help getting results, there are a lot of systems available to fit whatever you unique struggles & individual situation is!

Personally, I'm betting on CoolCoin.

 

[WilliamM2]

I've craigslist'd many dead seniors' wares.

Last week, a $75 Inspiron 3880, sold by the late person's son.

And just today, I got a fake decorative tree from a house that just got sold. There was a walker for senior, thus, there is probative evidence to speculate someone died or is done with living a homeowner's life(maybe retirement home, or more macabrely, a nursing home).

Probate lawyers also make a killing.

Then another a couple years back, where a a couple died within months of each other(the lawyer male being the latter to die) and friends had to clear out the house of accumulated over decades. Very interesting in that the couple were workers of the Department of the Interior and had Native American roots.

People who rent have possesions when they die too. Not sure what the point was here.

Owning is far better than renting. For one, when it's over you have an asset. My home has been paid for for over a decade.
While my mortgage payment never went up (actually went down), the cost of renting a home in my area was 3-4 times what my mortgage payment was at the end,

 

[Torn Mind]

Dell Inspiron Desktop (3880) Review

The Dell Inspiron Desktop (3880) is a no-fuss general-purpose PC that gives you just a bit more than the basics.

www.pcmag.com

That's a $500 10th-gen PC!

I got only the i3, 8GB RAM, 219GB SSD. But even that would be a 300-400 dollar value, and still beats up older i7s.
The person had it listed for $100, I offered $85. He told me to wait a week and I could take it for $75. It comes with Windows, a monitor, wireless mouse, and soundbar.

 

[Kaido]

I got only the i3, 8GB RAM, 219GB SSD. But even that would be a 300-400 dollar value, and still beats up older i7s.
The person had it listed for $100, I offered $85. He told me to wait a week and I could take it for $75. It comes with Windows, a monitor, wireless mouse, and soundbar.

Throw Tiny11 on it!

Page 5 - I finally did it...Windows 10 free upgrade on the last day!

Page 5 - Seeking answers? Join the AnandTech community: where nearly half-a-million members share solutions and discuss the latest tech.

forums.anandtech.com

 

[nakedfrog]

Homeownership is overrated; especially in the form of mortgages as stated in the article; its just renting but with different parties and enforcement mechanisms(and far less exploitable as foreclosure favors the state while eviction favors tenants). It's better to learn the ways of the already learned deadbeat tenants and grift off other homeowners.

Also, it's better if you don't own if you approach your expiration date.

Have you ever been a homeowner or a renter?

 

[HomerJS]

MSN

As evidenced by this article, Dave Ramsey's advice to never get a CC, never take out a student loan, never get into debt, ever, results in people reaching adulthood, without a credit score, and being DENIED the ability to get a home. Multiply this out by his huge audience, and voila, a housing crisis in the making.

What do YOU think? Am I on to something here (and the linked article)? Should we try to silence Dave Ramsey's advice and radio show, in order to solve the homeless crisis?

If everyone tomorrow retired their debt and stopped borrowing our economic system would collapse