No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
Savings321 wrote:I have to check out that book. It's sounds awesome. Just wanted to add my 2 cents, cause I'm pretty obsessed with saving myself. HSBCdirect (www.hsbcdirect.com) has an awesome online savings account 5.05% plus they just added an online account for bill pay that earns 2.5%. It's a pretty awesome deal and their customer service is pretty good too. Just wanted to throw that out there in case anyone wanted to shop around for a good online savings account. Definetly give it two thumbs up.
@Anonymous wrote:
But if you want the book, why not get it for FREE from the library?
That sounds like something Dave Ramsey would suggest.
Or would he ???
masdeocho wrote:I am in favor of doing whatever you need to do to get out of debt and get $ in savings (short of robbing a bank or killing someone for the insurance proceeds).
KevKaos wrote:My recommendation would be to see if your local library has the book in its collection. If it doesn't, and you are in a major metro area, you can usually ask that they purchase the book for their collection. If the book is considered to be useful to others, they will likely order it. I know for a fact that works in my area. Anyway, try to borrow it, read it, and take notes. If you think it is worth continuing with, buy it. It is one of those books that you will find yourself going back to if you want to follow his system step by step. I just bought it outright and I have gone back to it several times.
Of course, Noah, I knew you'd have no problem with the ethics of that solution. Wait a minute, there IS a problem with it ... no bank or insurance company gets $crewed in the process ...
Noah_Bodie wrote:masdeocho wrote:I am in favor of doing whatever you need to do to get out of debt and get $ in savings (short of robbing a bank or killing someone for the insurance proceeds).Does that leave one an out to do contract killings if no insurance payout is involved?
masdeocho wrote:Of course, Noah, I knew you'd have no problem with the ethics of that solution. Wait a minute, there IS a problem with it ... no bank or insurance company gets $crewed in the process ...
And I thought you were a crocodile's personal assistant!
crocpa wrote:I might be a little biased since I have a degree in Accounting and another in Finance, besides being a cpa
@MidnightVoice wrote:And I thought you were a crocodile's personal assistant!
@Anonymous wrote:I might be a little biased since I have a degree in Accounting and another in Finance, besides being a cpa
If you are debt free and don't buy anything on credit, you won't have to worry about your FICO (I LOVE DEBT SCORE!)and the only high interest rates you have to worry about are on your investments. I here a lot of Finance/Accounting types shoot holes in Dave Ramsey's debt free game plan because they only look at the math. Personal finance is as much about behavior and risk as it is about math. I'll know that I am financially successful when my FICO score finally reaches zero. High interest rates can be a great thing, it you are the one collecting the interest.
@Anonymous wrote:Ofcourse it's better to be debt free but if you don't build up your credit, guess what, you'll have to pay higher rates etc.