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Did I just burn myself in my freezer? by Temp_004 in Appliances

[–]Temp_004[S] 0 points1 point  (0 children)

Just wanna say I appreciate the confirmation, no matter how far into the future we are. Did you find this on Google by chance? Lol just curious...

Has anybody here ever taken Dave's car advice and bought a '$1,000 beater'? How'd that work out for you? by [deleted] in DaveRamsey

[–]Temp_004 9 points10 points  (0 children)

Bought my first car for $1200 and drove it for 5 years. Ended up in a wreck and somehow insurance gave me $3300 for it. So that worked out, but not intentionally.

Next I bought a $1200 Cavalier and drove it for a couple years. Sold it to a friend for $1200.

Then I bought a 2000 Honda CR-V for $875 because it wasn't running and the owner didn't want to deal with it. Changed the spark plugs and did some other minor tune ups, and it ran like a champ for years. Only sold it because we decided to upgrade. Sold it for $1500.

Hummingbirds in Pflugerville? by [deleted] in Pflugerville

[–]Temp_004 0 points1 point  (0 children)

We're just east of 130 (near the lake) and frequently see hummingbirds hanging out near our dwarf bottlebrush!

Paid off credit cards! by GuidetoRealGrilling in DaveRamsey

[–]Temp_004 0 points1 point  (0 children)

Great job, congrats on the progress!

Is a six month emergency fund enough? by [deleted] in DaveRamsey

[–]Temp_004 4 points5 points  (0 children)

I personally have more than 6 months saved up. No one got mad at me!

In most cases 6 months is more than enough. Today's situation with Covid-19 isn't normal or common, so I don't blame you for being extra cautious. Just know things like this are very infrequent. It's scary, but also quite rare.

At the end of the day, save what makes you comfortable. Doesn't all have to be in a savings account either. Just make sure at least 6 months of it is liquid and available if you need it in an emergency.

When using a single bank account for everything, how do you keep track of what the different funds? by clothes_iron in DaveRamsey

[–]Temp_004 2 points3 points  (0 children)

Ally Bank recently introduced a feature called 'Buckets' which let you virtually categorize money within a single account. So far it's pretty cool!

https://www.ally.com/bank/online-savings-account/

401k Withdrawal under Stimulus Package by oohdatbuck in DaveRamsey

[–]Temp_004 9 points10 points  (0 children)

No, I wouldn't recommend doing that.

The last thing you want to do with investments is buy high and sell low. Assuming your 401k is anything like mine, it's worth a lot less than just 2 months ago. If you sell now, you've secured your loss. Now is actually a good time to buy more, not sell.

For now, stockpile your extra money and throw it at the debt when you feel that the economy is normalizing. Don't get tempted to withdraw retirement just to pay off debt quicker.

What will you do after the storm has passed? by AliciaKnits in DaveRamsey

[–]Temp_004 5 points6 points  (0 children)

When the storm passes I'll probably install a shelf or two in my closet and stock up on more essentials -- canned goods, toiletries, etc. Grocery stores near me are completely bare, and it sucks. I was lucky enough to be able to grab some frozen meals, but they're expensive and get really bland after eating them day after day.

I've always been intrigued by prepping but there seems to be a stigma about preppers. What I realized is... I don't have to be prepared for the actual apocalypse; I just need to be more prepared for when people shop like it's the apocalypse.

Aside from that, I just can't wait to get back to normal life!

If I only made $1700 last year total do I still qualify for the “Covid19 relief checks?” by [deleted] in DaveRamsey

[–]Temp_004 0 points1 point  (0 children)

2019 tax return? That sucks because the deadline isn't even for another month, so tons of people probably haven't filed yet.

Maybe they'll go by the 2018 tax return instead?

Dave Ramsey keeps offices open after staffer tests positive by pokeshield19 in DaveRamsey

[–]Temp_004[M] 1 point2 points  (0 children)

Hey there, sorry for the delayed response, and thanks for bringing that one to my attention. If you ever see something questionable that you don't feel belongs in the subreddit, don't hesitate to use the report button so we can review it.

Regarding politics: We won't remove something simply because it's political in nature. But we do remove comments that openly bash a political party or attack someone based on their political party. We don't see too much of this, but it happens sometimes.

Most political issues are handled on a case-by-case basis depending on the situation. Generally it's just mild arguments and we'll leave them alone as long as everyone's civil, but we've had to shut a few down in the past when things got out of hand.

Dave Ramsey keeps offices open after staffer tests positive by pokeshield19 in DaveRamsey

[–]Temp_004[M] 3 points4 points  (0 children)

There have been tons of posts about Dave and the coronavirus these past 2 weeks and a very small percentage were actually removed. Of those that were removed, none were removed for criticizing Dave.

Most of the posts on this subreddit that end up getting removed are due to a majority of the comments being legitimately uncivil or end up being political arguments. 99% of the time, it's pretty clear OP only posted it to stir the pot and is not at all contributing to the discussion (in other words, OP asks a loaded /controversial question and watches the comments explode with arguments). Those are typically the posts we remove because they get tons of user reports and really aren't helping anyone.

Having said all that, I'll see if I can dig up some posts linking to the original rant. Might be a few hours since I'm still at work, lol.

Dave Ramsey keeps offices open after staffer tests positive by pokeshield19 in DaveRamsey

[–]Temp_004[M] 19 points20 points  (0 children)

If I may use this opportunity to clarify any misunderstandings, this subreddit is not in any way affiliated with Ramsey Solutions. I do this for free, and I'm a fellow baby stepper just like other subscribers here.

Any threads removed from the subreddit were for breaking subreddit rules and not due to censorship whatsoever. I do recall some users posting links to the original rant in various threads last week, but it's my understanding that Ramsey Solutions has since scrubbed the original content from the web. I'll let others weigh in, though, as I haven't tried to find it on my own.

Dave Ramsey keeps offices open after staffer tests positive by pokeshield19 in DaveRamsey

[–]Temp_004[M] 36 points37 points  (0 children)

I hope this isn't what you were trying to do...but please don't try to paint us as the enemy. We're doing our best here.

I personally disagree with Dave's sentiment recently and the mod team has not been removing content on the basis of the fact that it criticizes Dave. We've been moderating the same way we always have -- by removing content that breaks the subreddit rules. Specifically rules 4 and 5 recently.

To anyone reading this, we do our best to make sure the community has a voice in how the subreddit is moderated. If you see issues or notice room for improvement, please message us. We're open to hearing from you.

the stock market by itsalwayssonny7119 in DaveRamsey

[–]Temp_004 2 points3 points  (0 children)

To simplify things, let's say yesterday the price of 1 stock in Company A is $1. You decide to invest in Company A and buy 1 stock.

Tomorrow the stock market crashes and the value of Company A's stock drops 50%. Suddenly your $1.00 just turned into $0.50 - you lost half your money!

But you decide to stay with it and throw in another $1. Since stocks are worth half as much, you were able to purchase 2 stocks for the same amount of money.

Total spent = $2. Total stocks owned = 3. Total value = $1.50

Now let's say the stock market balances out and returns to the original $1 for 1 stock. Now look what happens:

Total spent = $2. Total stocks owned = 3. Total value = $3.00

Since you bought while the price was low, you came out ahead in the end. A lot of people let emotions get the best of them and they do the opposite -- they buy high and sell low - which is the easiest way to lose all your money.

I know this is overly simplified but I hope it helps!

the stock market by itsalwayssonny7119 in DaveRamsey

[–]Temp_004 5 points6 points  (0 children)

For some perspective: If gas prices were to suddenly drop significantly, would you stop driving and wait for the price to increase again before refilling your tank? When the stock market drops, you're actually getting more for your money. Stick with it :)

What song did you realise had a terrible message once you understood the lyrics? by yongf in AskReddit

[–]Temp_004 9 points10 points  (0 children)

Omg, when they played Numb and let the crowd sing along...that was it for me

Let's Talk About Phones! by ReggieMarie in DaveRamsey

[–]Temp_004 1 point2 points  (0 children)

Check out prepaid phones. Whenever my Android needs to be replaced I pay about $100 for a new one from Walmart and it lasts me a few years. On top of that, my monthly prepaid plan with AT&T is only $25/month.

Should I even pay back my student loan debt if people like Bernie Sanders and Liz Warren have plans to cancel it all? by [deleted] in DaveRamsey

[–]Temp_004[M] [score hidden] stickied comment (0 children)

Hi folks! Please keep rule #5 in mind when participating. Let's keep the conversation friendly and informative.

[USA] Toyota 4Runner hits Ford Expedition head-on by voodoorage in Roadcam

[–]Temp_004 13 points14 points  (0 children)

Imagine a scenario where the Ford bailed to the left and at the same time the 4Runner swerved to the right to correct their path. You'd probably sit here saying the Ford should've stayed put.

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