Grass is done, ready for camp

[drubendall]

The problem is, he's the same guy who talks all the time about going bankrupt at a younger age due to real estate mistakes.

I think every person has a different situation, and any cookie cutter approach for the masses is ill advised.

His advice is spot on for everyone who is drowning financially and feels hopeless.

It is common sense stuff to anyone who is financially literate, but frankly, that is not most people.

Work feverishly to get out of customer debt. Don’t go into debt for automobiles, vacations, or college, have an emergency fund and then start building wealth

He deliberately keeps it very simple. When you got your debts paid and are building up a nest egg, then you can get more advanced with your investment philosophies. That’s where many of his listeners depart from him.

But just look around, I think it’s 75% a country that can’t cover an emergency expense of $1000. What he’s teaching is desperately needed. Someone’s getting rich from keeping people in debt.

 

[Huskers123456]

He chooses to spend his money on things I don't agree with so he's a clown 🤷‍♂️

You're judgy. A lot of people are. No worries.

 

[Dean Pope]

In the fall over seed with Turf Type Tall Fescue and apply starter fertilizer. In the spring fertilize again with starter fertilizer; this is high in potassium fir strong deep roots and enough nitrogen for the green color.

Sounds good. I have a couple questions. Why did you over seed every fall? Did you aerate prior to over seeding? How much watering did you do after over seeding?

I've got clay soil that gets compacted easily. I think that aerating is almost a must before I over seed.

 

[Huskers123456]

I am sorry that Dave hurt you like that.

Good one. You must have bought his CD set where he tells you to pay cash for a car and don't live above your means. My dad was giving out that advice for free back in the 80's and 90's and still practices what he preaches.

 

[RBigredMax]

Some of the WORST financial advice I’ve ever heard came out of his mouth to a caller about a real estate deal. It involved a couple buying a lake house as their primary residence and his in-laws were going to GIVE them half the money. This was back when interest rates were under 3%. He discouraged them from doing it because they would have had to borrow like 30K. Wtf Dave!

I didn’t hear this message but this advice would have been counter to his consistent advice regarding home purchases for primary residence. His recommended guideline would be to have a 15 year fixed term loan and the payment make up no more than 25% of their take home (which at $30k would have been likely).

Unless he mistook the gift from in-laws as a loan (or some other strings attached) would be the only thing that I would see him having issue with in that scenario.

 

[RBigredMax]

Good one. You must have bought his CD set where he tells you to pay cash for a car and don't live above your means. My dad was giving out that advice for free back in the 80's and 90's and still practices what he preaches.

Dave makes no bones about the advice he gives being basic knowledge your grandparents would give. He doesn’t act like this is new stuff and one of his taglines is “common sense for your dollars and cents”. Unfortunately there are many people who don’t get this advice and find themselves in difficult spots and he offers a step by step life line to help.

 

[TampaBaySkers]

I didn’t hear this message but this advice would have been counter to his consistent advice regarding home purchases for primary residence. His recommended guideline would be to have a 15 year fixed term loan and the payment make up no more than 25% of their take home (which at $30k would have been likely).

Unless he mistook the gift from in-laws as a loan (or some other strings attached) would be the only thing that I would see him having issue with in that scenario.

Good luck getting those #s when the median price home is like $400k @ a 7% interest rate

 

[RBigredMax]

Good luck getting those #s when the median price home is like $400k @ a 7% interest rate

That’s the point - the ratios are set up to keep someone from being house poor and falling back into debt. It helps set up a guideline to keep you living within your means so you can build wealth in the future.

The math doesn’t change just because houses and interest rates are high.

 

[Huskers123456]

Dave makes no bones about the advice he gives being basic knowledge your grandparents would give. He doesn’t act like this is new stuff and one of his taglines is “common sense for your dollars and cents”. Unfortunately there are many people who don’t get this advice and find themselves in difficult spots and he offers a step by step life line to help.

I get it. I just find it amusing that the guy went broke at least once, makes a killing offering advice to live within your means and don't waste money on frivolous stuff. And then goes and buys (builds?) a giant castle of a house with statues that pee water like in the movies. Pay me to tell you to sell your car and walk 5 miles to work while I sip margaritas and look at my unbelievably extragavant mansion. Crazy.

 

[WHCSC]

A lot of people are

everyone is

 

[WHCSC]

I get it. I just find it amusing that the guy went broke at least once, makes a killing offering advice to live within your means and don't waste money on frivolous stuff. And then goes and buys (builds?) a giant castle of a house with statues that pee water like in the movies. Pay me to tell you to sell your car and walk 5 miles to work while I sip margaritas and look at my unbelievably extragavant mansion. Crazy.

sounds judgy

 

[RBigredMax]

I get it. I just find it amusing that the guy went broke at least once, makes a killing offering advice to live within your means and don't waste money on frivolous stuff. And then goes and buys (builds?) a giant castle of a house with statues that pee water like in the movies. Pay me to tell you to sell your car and walk 5 miles to work while I sip margaritas and look at my unbelievably extragavant mansion. Crazy.

I get it - but honestly growing up I didn’t understand some of the nuances and using Dave’s recommendations as a foundation has been extremely helpful to me and my family and truly has altered my family tree.

I don’t think there is anything wrong with buying mansions if you can afford it, what’s not publicized much is how much he also gives which makes a huge impact as well. In addition to the millions he has helped.He has good advice for careers and family matters too, in my opinion.

There are plenty of rich people I’m sure that are doing far less to help people 😁

 

[TampaBaySkers]

That’s the point - the ratios are set up to keep someone from being house poor and falling back into debt. It helps set up a guideline to keep you living within your means so you can build wealth in the future.

The math doesn’t change just because houses and interest rates are high.

That’s why I was so surprised he was pushing people to buy when affordability is worse than in 06-07.

 

[drubendall]

Good one. You must have bought his CD set where he tells you to pay cash for a car and don't live above your means. My dad was giving out that advice for free back in the 80's and 90's and still practices what he preaches.

Your dad was a loser for not figuring out how to cash in on that advice on a national scale and become fabulously rich.

I did go to those classes and own those cds. It inspired me to knock out $20,000 in school debt for the wife and myself when we first got married. We do buy used cars and we do pay cash.

 

[RBigredMax]

Your dad was a loser for not figuring out how to cash in on that advice on a national scale and become fabulously rich.

I did go to those classes in on those cds. It inspired me to knock out $20,000 in school debt for the wife and myself when we first get married. We do buy used cars and we do pay cash.

One of the more freeing moments in my life was when I stopped caring what other people thought and bought a cheap Corolla that I drove for a long time enabling me to get ahead on my bank account to upgrade in the future with cash. Still don’t care what others think about my ride but they have gotten nicer over the years.

 

[drubendall]

I get it. I just find it amusing that the guy went broke at least once, makes a killing offering advice to live within your means and don't waste money on frivolous stuff. And then goes and buys (builds?) a giant castle of a house with statues that pee water like in the movies. Pay me to tell you to sell your car and walk 5 miles to work while I sip margaritas and look at my unbelievably extragavant mansion. Crazy.

He pays cash for all of the cool stuff in his life like his boat and lake house.

He wants everyone to live a good life of their choosing, he just doesn’t want them to be a slave to debt.

Do you know who the rich guy is? It’s every single person who makes more money than you.

 

[Huskers123456]

Your dad was a loser for not figuring out how to cash in on that advice on a national scale and become fabulously rich.

I did go to those classes in on those cds. It inspired me to knock out $20,000 in school debt for the wife and myself when we first get married. We do buy used cars and we do pay cash.

Ouch. Maybe if he would been bad enough financially at one point to need to declare bankruptcy and not pay his debts then he would have had a hallelujah moment. Damn fool was too successful.

I'm sure he regrets that the grandkids don't get to look at a fancy fountain when they come to visit.

 

[RBigredMax]

Ouch. Maybe if he would been bad enough financially at one point to need to declare bankruptcy and not pay his debts then he would have had a hallelujah moment. Damn fool was too successful.

I'm sure he regrets that the grandkids don't get to look at a fancy fountain when they come to visit.

That is one rub I have with Dave - I could never forget that I owed people money, especially if they let me off the hook. In my eyes he’s more than in a position to go back and pay his debtors even though legally he doesn’t need to.

 

[drubendall]

Ouch. Maybe if he would been bad enough financially at one point to need to declare bankruptcy and not pay his debts then he would have had a hallelujah moment. Damn fool was too successful.

I'm sure he regrets that the grandkids don't get to look at a fancy fountain when they come to visit.

Only telling half the story which gives me a pretty good idea of your politics.

Him going belly up was the catalyst for his turn around which has since benefited millions of people. That’s his story. His company paid off the debts of 8000 people to the tune of $10 million a couple of years ago. Given his massive reach and the amount of content he produces, how would you personally like the government to cap his income?


And you’re worried about some statues by his pool? Make a right judgment and stop being so envious.

Lots of people make millions of dollars per year. It has no bearing on you personally.

 

[dinglefritz]

Sounds good. I have a couple questions. Why did you over seed every fall? Did you aerate prior to over seeding? How much watering did you do after over seeding?

I've got clay soil that gets compacted easily. I think that aerating is almost a must before I over seed.

Go buy several dozen night crawlers. They’ll aerate for you. Power aeration is really not all that effective unless you get very aggressive. Every time you aerate there’s the potential to bring up soil weeds and allow them to germinate.

 

[RBigredMax]

Only telling half the story which gives me a pretty good idea of your politics.

Him going belly up was the catalyst for his turn around which has since benefited millions of people. That’s his story. His company paid off the debts of 8000 people to the tune of $10 million a couple of years ago. Given his massive reach and the amount of content he produces, how would you personally like the government to cap his income?


And you’re worried about some statues by his pool? Make a right judgment and stop being so envious.

Lots of people make millions of dollars per year. It has no bearing on you personally.

She makes millions …. 😫

 

[Dean Pope]

His advice is spot on for everyone who is drowning financially and feels hopeless.

It is common sense stuff to anyone who is financially literate, but frankly, that is not most people.

Work feverishly to get out of customer debt. Don’t go into debt for automobiles, vacations, or college, have an emergency fund and then start building wealth

He deliberately keeps it very simple. When you got your debts paid and are building up a nest egg, then you can get more advanced with your investment philosophies. That’s where many of his listeners depart from him.

But just look around, I think it’s 75% a country that can’t cover an emergency expense of $1000. What he’s teaching is desperately needed. Someone’s getting rich from keeping people in debt.

I think it's probably about half that 75% stat with an emergency fund, but if I'm wrong please forgive me. I do agree that Dave's advice as well as his stubborn belief in his system is beneficial to a lot of people. I used to enjoy listening to me, but I grew tired of his endless promotion of his businesses as well as other businesses that I suspect he or his family is getting kick backs from. In addition, it's not good advice to pay off a small low interest debt before a high interest debt. And if you're sitting on a 3% or less mortgage over 30 years, do not pay that off.

 

[Huskers123456]

Only telling half the story which gives me a pretty good idea of your politics.

Him going belly up was the catalyst for his turn around which has since benefited millions of people. That’s his story. His company paid off the debts of 8000 people to the tune of $10 million a couple of years ago. Given his massive reach and the amount of content he produces, how would you personally like the government to cap his income?


And you’re worried about some statues by his pool? Make a right judgment and stop being so envious.

Lots of people make millions of dollars per year. It has no bearing on you personally.

You bringing politics into a non-political discussion gives me an idea of your politics....

Who said anything about capping income. This seems oddly personal to you but I suspect that Dave Ramsey must be tied to politics or something that I'm not aware of.

I'm definitely not worried about Dave's statues. Jeff Sims health? Definitely. Dave Ramsey's mansion? Nope. Just find it amusing.

 

[drubendall]

I think it's probably about half that 75% stat with an emergency fund, but if I'm wrong please forgive me. I do agree that Dave's advice as well as his stubborn belief in his system is beneficial to a lot of people. I used to enjoy listening to me, but I grew tired of his endless promotion of his businesses as well as other businesses that I suspect he or his family is getting kick backs from. In addition, it's not good advice to pay off a small low interest debt before a high interest debt. And if you're sitting on a 3% or less mortgage over 30 years, do not pay that off.

It’s been a long time since I’ve listened to Dave Ramsey, because if you’ve heard one show of his shows, you’ve heard them all. I also get sick of some of his promotion. He claims to vet his trusted providers, but they will mostly except anyone willing to pay the entry fee.

 

[drubendall]

You bringing politics into a non-political discussion gives me an idea of your politics....

Who said anything about capping income. This seems oddly personal to you but I suspect that Dave Ramsey must be tied to politics or something that I'm not aware of.

I'm definitely not worried about Dave's statues. Jeff Sims health? Definitely. Dave Ramsey's mansion? Nope. Just find it amusing.

You dummy, you twice made reference to some statues he has on his property. Seriously what do you care? I’m gonna explain it one last time. He has helped millions of people with their finances. Your dad has not. A tiny portion from a massive audience equals real wealth. You’re clearly envious but you don’t have to be.

 

[Dean Pope]

It’s been a long time since I’ve listened to Dave Ramsey, because if you’ve heard one show of his shows, you’ve heard them all. I also get sick of some of his promotion. He claims to vet his trusted providers, but they will mostly except anyone willing to pay the entry fee.

I always enjoyed the conservative nature of his program. It was simple and to the point. Listening to his program inspired me to pay off a car loan early and get my wife's college loan paid off. It's not bad advice really. It's just that I now realize that I would have come out far ahead by putting that money to work in the market than paying off those two affordable low interest loans. Oh well!

 

[Huskers123456]

You dummy, you twice made reference to some statues he has on his property. Seriously what do you care? I’m gonna explain it one last time. He has helped millions of people with their finances. Your dad has not. A tiny portion from a massive audience equals real wealth. You’re clearly envious but you don’t have to be.

You have now brought up my dad two times. Are you envious or obsessed?

If you don't find it amusing that a guy who preaches shunning an extravagant lifestyle actually lives in a giant over the top mansion than I guess you must not have a sense of humor. I think it's funny. I also think it's amusing people worship him.

 

[RBigredMax]

You have now brought up my dad two times. Are you envious or obsessed?

If you don't find it amusing that a guy who preaches shunning an extravagant lifestyle actually lives in a giant over the top mansion then I guess you must not have a sense of humor. I think it's funny. I also think it's amusing people worship him.

For clarification he doesn’t shun that lifestyle, he actually celebrates it and wants everyone to be successful and enjoy their successes but shuns it if you can’t afford to do so.

“Live like no one else today so you can live like no one else tomorrow”

I like your dad FWIW 😁

 

[Walleye79]

Entertaining thread. I had to read to see how it went from green grass to Dave Ramsey and Warren Buffett.

 

[RBigredMax]

Entertaining thread. I had to read to see how it went from green grass to Dave Ramsey and Warren Buffett.

It was my fault for commenting on a Ramsey-ism.

 

[HuskerOH]

Sounds good. I have a couple questions. Why did you over seed every fall? Did you aerate prior to over seeding? How much watering did you do after over seeding?

I've got clay soil that gets compacted easily. I think that aerating is almost a must before I over seed.

Night time temps are cool and best for seeding. The next best is early March and let the spring rains water... No need to aerate but water a couple times a week for about 3 weeks if really hot. What doesn't germinate in the fall will in the spring. The Fescue will in time take over the lawn, it is aggressive but has a thin blade. The Turf Type Fescue loves hot dry weather.

 

[TampaBaySkers]

Entertaining thread. I had to read to see how it went from green grass to Dave Ramsey and Warren Buffett.

Welcome to the off-season after decades of sh!tty football

 

[WHCSC]

Grass is done, ready for camp

Things overheard on the CU campus?

 

[redwine65]

I’d suggest going to the Grass Pad..

One key having a nice yard is having irrigation system..

I'm trying to find what kinda grease works on these, they been acting up

 

[itseasyas1-2-3]

Odd because last summer he said there has never been a better time to buy a home.. guy is a clown

One of his problems is he has allowed himself to be trapped into certain narratives. Plus, he's likely much more savvy about money matters than most of his callers. People in financial trouble are much easier to sway than those who aren't..

Just because he advocates doing this or that, doesn't mean in his personal life he follows that same advice.

 

[dinglefritz]

One of his problems is he has allowed himself to be trapped into certain narratives. Plus, he's likely much more savvy about money matters than most of his callers. People in financial trouble are much easier to sway than those who aren't..

Just because he advocates doing this or that, doesn't mean in his personal life he follows that same advice.

He talked about his situation once on a radio show that I was listening to. He talked about his lifestyle now and pointed out that he has the house because he could pay for it with cash. He’s wealthy beyond most dreams and wants to enjoy some of his money while he still can.

 

[Dean Pope]

Night time temps are cool and best for seeding. The next best is early March and let the spring rains water... No need to aerate but water a couple times a week for about 3 weeks if really hot. What doesn't germinate in the fall will in the spring. The Fescue will in time take over the lawn, it is aggressive but has a thin blade. The Turf Type Fescue loves hot dry weather.

I love turf type fescue by the way and I agree with everything you said. I love how fescue will fill in open patches in your lawn on its own. But I didn't phrase my question correctly. Did you over seed every year? That seems to be overkill.

And what do you think about aerating? I like it for my soil, but this year I didn't aerate. In fact, I've fertilized only once (around Memorial Day but I did put down a Winterizer late last fall). I've watered about 1/2 as much as I normally do even with the drought. And my lawn looks as good as usual. Normally, I fertilize at least three times a year and give my lawn 1" of water a week.

 

[Dean Pope]

Just because he advocates doing this or that, doesn't mean in his personal life he follows that same advice.

Sounds like he could have a promising career in politics ahead of him.

 

[Huskers123456]

I love turf type fescue by the way and I agree with everything you said. I love how fescue will fill in open patches in your lawn on its own. But I didn't phrase my question correctly. Did you over seed every year? That seems to be overkill.

And what do you think about aerating? I like it for my soil, but this year I didn't aerate. In fact, I've fertilized only once (around Memorial Day but I did put down a Winterizer late last fall). I've watered about 1/2 as much as I normally do even with the drought. And my lawn looks as good as usual. Normally, I fertilize at least three times a year and give my lawn 1" of water a week.

Your lawn typically adjusts to what you do. If you start watering 1" a week than cutting that is basically simulating a drought. Fertilizing equals growth. Growth equals water use.

 

[HuskerOH]

I love turf type fescue by the way and I agree with everything you said. I love how fescue will fill in open patches in your lawn on its own. But I didn't phrase my question correctly. Did you over seed every year? That seems to be overkill.

And what do you think about aerating? I like it for my soil, but this year I didn't aerate. In fact, I've fertilized only once (around Memorial Day but I did put down a Winterizer late last fall). I've watered about 1/2 as much as I normally do even with the drought. And my lawn looks as good as usual. Normally, I fertilize at least three times a year and give my lawn 1" of water a week.

It takes a while for the Fesuce to take over so it depends on your patience. A one-time overseed will work but twice will happen faster ( I did it once). Aeration is good for the soil and root development. Roots need moisture and air to thrive. I do not like most grass fertilizers because of their extremely high amount of nitrogen. The higher the nitrogen, the higher the soluble salts, and the higher the soluble salts the more damage it does to the micro and macronutrients in the soil; in other words, over time it sterilizes the soil. Grass is a fertilizer whore and quickly becomes dependent on the fertilizer and stops developing roots and searching for food in the soil; it hangs out where the high concentration of nitrogen is, 1/2" below the thatch, then becomes susceptible to drought. ( Think of Hulk Hogan in his prime with steroids... Then in later years with no steroids) Sterilized soil does not retain moisture and becomes a drought issue. Any brand of starter fertilizer will work with an analysis of 18-24-12. The stronger and deeper the roots of your grass the better. The more chemically dependent your grass becomes, the richer Scotts becomes. Your lawn will become very thick and lush with strong roots.

(Edit, I am not a proponent of chemical fertilizers because of the dependency it creates for the plants. I believe in strengthening the soil first and fertilizers second. I have no problems with chemical fertilizers when used in moderation or for a swift kick in the arse to motivate the plants. 4-5 applications of chemical fertilizers with 40% Nitrogen is not good for the soil and only create problems down the road for a quick-fix green lawn. Proper fertilization to promote deep roots and strong roots saves money and the soil. If you can find Comtil (dry human byproduct compost in a bag) or something similar to put down every couple of years to feed the soil would be perfect too. Feed the soil, not the plant)