[Aevery_Freeman]

ping

[BobL]

A 1000 calorie meal can cost a person $0.50 to $50.00. In both cases, the person will get what he needs to not be hungry. It is up to the person, each person, to decide if the high-end price is worth it, in the context of other priorities (like saving for retirement, paying utilities, etc.).

Likewise, a cup of coffee can cost $0.10 to $2.00. Again, it is up to the person, each person, to match cost to priorities.

Note that all of the numbers above are not that large...but there are 365 days in a year (220 or so days in a work year), so the numbers add up, VERY QUICKLY.

[Eepsy]

AAAUUUUUUGGGHHHH!!! If I have to hear Dave Ramsey go on about Mutual Fund brokers one more time I will

I know how to save you $200+ in "broker fees".

It goes AGE-10=Bond Allocation. You take that percentage of your available money and invest it in the lowest fee Total Bond Market fund you can buy (preferably in a tax sheltered vehicle). Put the rest of your cash in the lowest fee Total Stock Market fund you can find. Don't fiddle with the d*mn thing more than twice a year, and only to bring it back to the proper allocation. Once you hit sixty or so move 5 years worth of living expenses from stocks to the lowest fee Short Term Bond fund you can find.

There. You're done. And Dave Ramsey can stick it- with gazelle like focus!

[jimsin]

Dave does have his boring side but ....a lot of church boards buy and use Dave's cd's to hold money mgmt. seminars for newlyweds young and old in order to teach them how to budget. I think he calls it 'Financial Peace University' cd's. Something like that can be nothing but good for unskilled folks clueless in this important part of life. Clearly, sadly they've never being taught money mgmt skills in our whiz-bang school systems. ARRRRGH! I also think I've read his audience numbers are topped only by messrs. Rush and Sean. Pretty good company, eh wot?

http://www.talkers.com/top-talk-radio-audiences/

A GOOD TURN MR. RAMSEY, IS PROVIDING!