Ten Things Dave Ramsey Got Wrong
The other week I finished up a five part series of posts on Dave Ramsey’s Seven Baby Steps. It seems to have been well received and still gets a steady stream of clicks. But honestly, I was expecting a larger and more 
hostile reaction than I got, at least as measured by comments and emails. Ramsey has a very large and devoted following, particularly, it seems, in the blogosphere.
At least I thought so. Maybe I was wrong about that. Perhaps Ramsey is well liked but not, ultimately, taken all that seriously.
Or maybe I was just a little too subtle in what I wrote. Perhaps when I said that “His advice on higher level personal finance topics such as investing and taxes is weak and often misinformed because his knowledge in those areas is limited” my readers thought I was exaggerating for effect. And perhaps when I criticized him for giving advice “on topics such as investing, about which he should probably just keep quiet” those readers didn’t really think I meant that his listeners would be better off if he didn’t cover those topics at all.
Well, I really meant it. And for what it’s worth, let me share some of what I found on Ramsey’s website that led me to believe he has no business giving advice on several sub-areas of personal finance. All are from the “Ask Dave” section, wherein questions and answers from his radio show are summarized with an audio link. It’s a large database, but must still be only a tiny fraction of all the questions he has answered on his show. We can only assume that they are not a random sample and that Ramsey or his staff thoughtfully selected them as being some of his better work.
I will cite ten examples that suggest that Ramsey has a poor command of his material. Several I have already discussed in previous posts. It did not take me long to find these. I stopped at ten because it was getting tedious.
1. On Roth vs. Traditional: (This from my post on Step 4. Italics are his)
Let’s say you’re 30 years old bringing home $40,000 a year. If you put 15% of that into retirement, that’s $6,000 a year – $500 a month. If you put $500 a month into good growth stock mutual funds that average 12% from 30-70 years old, then you would have almost $6 million. Over 40 years, you’ve put in $240,000 and your return is $6 million.
If you do that in a 401K, that money is taxable. The money went in before taxes, but the money is taxable as it comes out. Your $240,000 that went in pre-tax is almost irrelevant in light of the $6 million that is going to be taxed.
But if you put money in a Roth IRA, it grows tax-free. That means if you put the same amount into the Roth, you’ve got $6 million, none of which goes to Uncle Sam. The Roth IRA is always superior to the 401K because of this.
That last italicized bit is unequivocally wrong. The tax savings you get from the up-front deductibility of traditional IRA (or 401k) contributions is exactly the same as the tax savings you get from the distributions of Roths not being taxed, assuming tax rates are constant. If the tax rate is higher now than in retirement, a traditional will save more money.
The FICO score measures how much debt you currently have and how well you are paying it off. So if someone has no debt, there FICO score is “0″. A person could have millions in the bank and no debt at all, but have a FICO score of “0″.
There’s no such thing as a FICO score of 0. The lowest possible score, reflecting the worst possible credit, is 300. If you pay off all your debt, you still get a score, probably a good one. If you are completely unknown to the credit reporting agencies, meaning that you have no credit lines, have not had any for many years, and do not have, for example, an AT&T cell phone account, you will have no score at all.
3. Explaining mutual fund expense ratios:
If it has a very low expense ratio, then it is a mutual fund that doesn’t sell very often.
For example, you saw one expense ratio of 1.1 and that was probably an aggressive growth mutual fund. Those are sold all the time, so the expenses are higher. A growth and income mutual fund would have very low expenses because they are rarely sold.
I’m not really sure what Ramsey is talking about here. Best I can figure, he thinks that the commissions paid by the fund to buy and sell stocks are included in the expense ratio. They aren’t. (And wouldn’t make much of a difference if they were.)
Expense ratios are ultimately pretty arbitrary, based on what the fund company thinks the market will bear. If there is any general trend, it is that higher risk funds, which hopefully also have a higher potential return, also have higher fees.
4. Doing Tax and Mortgage Math:
[The caller’s aunt’s] CPA thinks that she’s better off borrowing money at 5% and investing it at 12%, but because the account is taxable, 12% ends up looking like 9.6%. The CPA will still say that she’s making 9.6%, which is still better than 5%, but he’s not thinking about the risk involved with investment.
Except that because the 5% is tax deductible, it ends up looking like 4%. Ramsey messes these calculations up repeatedly (for example, here and see my post on Step 6) and to a remarkable extent for a guy who once made his living as a real estate developer. His conclusion, that you should pay off the mortgage rather than invest in stocks, may be sound for some people, but he never seems to be able to set up the comparison properly on an apples-to-apples basis.
5. Apparently discussing an investment in an S&P 500 index fund:
I recommend mutual funds because they always beat the SNP. You can own several funds that beat the SNP whether in an up-market or a down-market. It’s alright to own some SNP, but none of your retirement savings should be in that. If you do a little bit of looking you can find tax-protected Roth IRAs and 401-Ks that give much better returns than the SNP.
For example, take a mutual fund with a 25-year track record. Over the course of those 25 years if you can see that the mutual fund almost always beats the SNP, then that mutual fund contains stocks that are winning more than the overall market is winning.
Assuming that “SNP” is S&P 500, mutual funds don’t always beat it, in fact on average pretty regularly lag it. IRAs and 401ks are not investment alternatives to the S&P but accounts which can hold such things as mutual funds.
6. On the income tax effects of getting married:
The Marriage Penalty Tax was a fluke in the tax tables and has been corrected. There should be very little difference in the taxes you pay once you get married.
A clever observer will note the existence of the “Married Filing Separately” tax schedule, as distinct from the “Single” one. Two people making $75,000 each who get married will find that they have moved from the 25% to 28% bracket. They will also find that there are many nooks and crannies in the tax code that may increase their burden now that they are married, including, for example, a smaller addition to the standard deduction if they are over 65 and the phaseout of personal exemptions at a lower income level.
For the record, I don’t think the tax code is anti-marriage, but I wish it were simpler. And the marriage penalty was/is not a fluke, but a fully intentional tax policy.
7. When asked to explain what a hedge fund is:
QUESTION: Tyson wants to know what a hedge fund is, and what it is for, and how it plays into the current economic situation, in this call from September 24, 2008.
ANSWER: The term hedge fund comes from hedging your bets or hedging risk. You do that by doing the opposite of what the market is doing, or some extra risk. An example is extremely high risk mutual funds. You can’t participate unless you are very rich, because you could lose. It’s so high risk that the government wouldn’t allow an old lady to put her life savings into it.
They were the first people who were bundling together the subprime loans together and selling them as a bond. They can then sell it as a bond rather than individual mortgages. When you take many of these and put them together, that’s when it starts affecting the economy. They are the Petri dish from which this whole mess came from.
That’s the entire text of the Q&A as transcribed on Ramsey’s site. I conclude from this that Ramsey does not, in fact, know what a hedge fund is. (I am also left wondering why this particular question was put on his website.) The first sentence of his answer implies hedging reduces risk and in the second that it increases it. Hedge funds were not the first people to bundle sub-prime mortgages into bonds. A firm that creates and sells bonds is called an investment bank.
Hedge funds are like mutual funds in that they are pools of jointly owned assets, but are unregulated and typically have much higher fees, presumably to compensate for superior investment performance. One the requirements to escape regulation is that they can only take a limited number of investors and those investors must be either wealthy individuals or corporations. Although the word hedge does suggest reducing risk by going short, and some hedge funds do this, many do not.
8. Speaking to a retired widow whose broker has suggested certificates of deposit:
Certificate of deposits are not a secure investment. They average about 4% and that’s also the inflation rate. By the time you pay taxes, you’ll lose money. Get away from your broker if they are giving you information like this. Invest in good growth stock mutual funds that average about 12 percent.
CDs are generally FDIC insured and therefore as guaranteed as any investment could be. So secure that they are often said to be appropriate for widows and orphans.
9. When asked where a new retiree can get the best yield:
QUESTION: Nigel says his father just received his retirement in a lump sum of $90,000. Where should he invest that to get the highest yield?
ANSWER: The best place to invest is in good growth stock mutual funds – growth, growth and income, aggressive growth, and international – if you’re going to leave your money alone for at least the next five years. He’s not going to make a ton of money off of that investment in one year though.
Yield refers to income (e.g. dividends) rather than total return. Growth stocks do not typically have much in the way of yield. “Growth and income” and “international” are not examples of growth stock fund types. Investing the entire sum in equities, never mind only growth equities, would be very risky for a retiree. Even with a five year horizon equities it would present too much risk for somebody expecting to live off the money in the near term.
10. On an employee stock purchase plan:
QUESTION: Jake works for a good company that has stock options. He has done a budget and is trying to get out of debt. He can take a little bit away and have $200 a month to put into the stock options. The company buys the stock once a quarter and buys it at 85% of its market value. Should he do that?
ANSWER: All companies purchase at 85% of the value. It’s a bonus assuming the stock price is steady. In a year’s time, it has more than a 15% move up or down. I wouldn’t do it. Honestly, how much would you make off of it?
This last one is poorly transcribed, so you really have to listen to the recording to understand what poor Jake is asking about. It is not, as he and Ramsey call it, a stock option plan but an employee stock purchase plan. The terms are such that Jake can set aside money over the course of a quarter to be used to buy his company’s stock at a 15% discount. He can then immediately sell that stock for its full market value.
Ramsey is dismissive of this, saying that a) it is too risky and b) it is too little money to bother with. Both objections tell me that Ramsey wasn’t really listening to what the caller was saying and that he imagined for himself what the terms of the plan might be. ESPPs are strange and relatively rare beasts. I happen to have once worked for a company that had one very similar to Jake’s, so I know that the right advice is that he should max out the scheme and sell the stock immediately every quarter.
I don’t expect the host of a radio call-in show to know that off the top of his head. I can even excuse not taking up air time to tease out of a nervous caller the necessary details. But authoritatively giving advice on a topic that is of monetary importance to your listeners as if you understood the details, when you don’t, is intolerable.
And in this way this last item epitomizes the entire set. In no case does Ramsey give even the slightest hint that he is not intimately familiar with the subject at hand. And yet, in at least some of these cases, he must have known he was on thin ice. Why not say something like “I’m not really familiar with the details, but in general…” or “You know, that’s just the sort of question you should ask a qualified lawyer/accountant/broker/insurance agent.” Would that have been that damaging to his image? It sure would have improved the overall quality of his advice.
[Photo credit Kamyar Adl]
Dave Ramsey, Gurus, Investing | Frank Curmudgeon | 
May 13, 2009 3:00 pm
By Rob Bennett, May 13, 2009 @ 3:22 pm
Why not say something like “I’m not really familiar with the details
It’s a circular problem.
The middle-class people who listen to the advice are impressed by “expertise.” Those who are able to give quick and authoritative-sounding responses to a multitude of questions are perceived as evidencing “expertise” by doing so. Acting like a know-it-all sounds good. It’s marketing. It sells. It works.
The “expert” is often conflicted. Does he give advice that helps his listeners or advice that sells? If he doesn’t sell, no one listens and he does no good for anyone. If he sells too much, people suffer big financial pain.
The only way out is for people to come to a different understanding of what constitutes “expertise.” Sometimes the best “expert” of all is the one with enough confidence in his material to be able to say “I don’t know.” I don’t see too many of that type around nowadays. It’s mostly Wizards of Oz pulling on levers and turning about cranks.
Rob
By Frank Curmudgeon, May 13, 2009 @ 3:38 pm
The difference between being good at giving advice and giving good advice?
By ObliviousInvestor, May 13, 2009 @ 3:41 pm
#5 makes me physically ill to read. (Not exaggerating.) What the hell is he talking about “mutual funds always beat the S&P.”
What a blatant falsehood.
By bRobert, May 13, 2009 @ 4:03 pm
I followed Dave Ramsey’s plan to get out of debt ($40k), and I’m currently following it to build up my emergency fund, etc. I read all of your articles about him, and frankly, I’m not bothered by them. He seems more than capable of defending himself.
I think the most important thing I have gotten from Dave Ramsey is awareness. I really didn’t know I was a financial idiot before, and he is straight forward enough to tell me that I am directly in terms I can understand. I believe the core of his message is well founded and above criticism. It just works, and he is helping millions of people. How many people are helped by his critics? How many people are confused by his critics?
I don’t think it really matters much, I haven’t met anyone yet who strictly follows his advice after the first couple of Baby Steps. I wouldn’t be reading the dozen or more PF blogs I do if I weren’t hungry for something more than he offers.
I enjoy and appreciate your blog. I have a lot of learning to do, and consider what you do very valuable to me. I would never have known to question Dave Ramsey’s suggestions without it.
By Chris, May 13, 2009 @ 4:31 pm
It’s also important to note in #1, that if you are 30, you can only put $5,000 per year into a Roth IRA. If you believe the rest of the math, that alone cuts more than $1 million off of your return.
By Four Pillars, May 13, 2009 @ 4:37 pm
Dave Ramsey is a complete and utter idiot. Why anybody would take financial advice from him is beyond me. That said, he is a pretty effective debt reduction motivator so maybe he should stick to that topic.
As for lack of response – welcome to wonderful world of blogging.
By SJ, May 13, 2009 @ 4:56 pm
Hilarious…
I mean, it’s not his area of expertise but we can treat him as elementary school or an intro class to personal finance; step 1 get out of debt.
Step two upgrade your class and build wealth
But still SNP. Yay.
By My Journey, May 13, 2009 @ 5:05 pm
There is a simple reason why you didn’t get hate mail/comments.
Your audience (at least those that comment) seems to be made up of people who are not searching for the magic cure to pay off debt, and thus are not in love with a talking head such as an Orman (who I hate) or Ramsey (who I have never heard of until I started blogging myself).
Your audience is made up of intelligent readers who can actually understand your counter arguments to “facts.”
By kurt, May 13, 2009 @ 5:20 pm
#3 and #5 are startlingly dumb responses. It’s unfortunate that Ramsey can’t limit his advice to the specific topic of paying down debt. I just wish he would have mentioned which specific mutual funds ALWAYS beat the “SNP”, now that would be helpful advice.
By SaveBuyLive, May 13, 2009 @ 5:49 pm
I think of Dave Ramsey as entry level personal finance. Some people are going to grasp what he has to say in a few months. If they execute his advice they aren’t going to be that bad off. Let’s be honest. Paying off debt, starting an emergency fund and saving for retirement are really all that most people need. Even if you hate thinking about finance you can pull off Ramsey’s advice relatively easily. And consider the fact that some people are going to struggle with this stuff for their whole lives.
But listening to Ramsey for more advanced personal finance advice is like listening to a very intelligent college sophomore explaining biology. I’ve got a couple of advanced degrees in this area and I can tell you that the college sophomore (like Ramsey) will get the basics right but fall flat on his face when discussing the details. Unfortunately, there isn’t a huge popular market for basic biology knowledge so college sophomore has little probability of landing his own radio show and book deal.
Other people are going to want to move on to more advanced personal finance. I’m slowly moving towards this category. But getting there is hard. I’m not a finance major and most blogs (even my own) are geared more towards the basics.
I’ve been reading your blog for a little while and you seem to know what you are talking about. It would be awesome if you would post a reading list of books/articles/textbooks/blogs for people for people who want to get beyond starting an emergency fund and paying down debt.
By Carl Richards, May 13, 2009 @ 5:54 pm
Unreal.
Really, I am shocked.
One more reason you should never mix entertainment and investing.
By Dangerman, May 13, 2009 @ 6:28 pm
“Except that because the 5% is tax deductible, it ends up looking like 4%.”
Inaccurate.
Only roughly one half of all mortgage holders benefit from the mortgage interest deduction. (see, for example, Spend Till The End, Burns and Kotlikoff, pages 133-134). Dave Ramsey’s listeners are certainly on the lower end, and so the majority very likely do not benefit at all. Thus, Dave’s advice is generally correct.
Fault Dave for generalities all you want, Mr. Frank Curmudgeon, but you do it too.
By Frank Curmudgeon, May 13, 2009 @ 6:38 pm
Point well taken. I had no idea it was as high as half, although I certainly knew it was significant, which I should have mentioned at least in passing.
By Dangerman, May 13, 2009 @ 7:21 pm
I appreciate your “point well taken.” However…
“Two people making $75,000 each who get married will find that they have moved from the 25% to 28% bracket.”
Somewhat misleading.
Each person earning $75k will pay $12,256 in federal taxes in 2008 assuming standard deduction and one exemption, and no other issues. (See any online tax calculator.) But two people each earning $75k and filing as married-filing-jointly will pay $24,532 (standard MFJ deduction and two exemptions). The so-called “marriage penalty” is therefore exactly (24,532 – 2*12,256) $20.
The scenario you chose is almost exactly where the “marriage penalty” just _barely_ begins to kick in.
Of course, only about 25% of wage earners in the U.S. earn >$75k. So, assuming straight independent probabilities, the likelihood of two people earning >$75k is 0.25^2 = 6.25%.
Sounds like Dave’s advice that “There should be very little difference in the taxes you pay once you get married” is basically correct for 93.75% of American households.
So again, Dave may generalize, but that doesn’t mean he’s wrong. In my book, 93% gets an A.
By Kevin, May 13, 2009 @ 8:01 pm
“SNP?” Has the guy ever picked up a Wall Street Journal? What a clown.
By Frank Curmudgeon, May 13, 2009 @ 8:11 pm
Dangerman: Okay, but Ramsey said the marriage penalty was a “fluke” that “was corrected.” He didn’t say “it’s real, but pretty unlikely to be a problem that costs you serious money, so don’t worry about it.”
The marriage penalty was always more of a symbolic issue than a substantive one. You have to be pretty well off, with both spouses working and individually in the higher brackets for it to be noticable money.
Kevin: To be fair (and why not be fair?) Ramsey probably didn’t transcribe this himself, he only hired somebody who doesn’t read the Wall Street Journal to do his typing. And apparently didn’t hire an editor who knew the term either.
By Scott, May 13, 2009 @ 8:37 pm
For #1, it seems to me that most people conflate marginal tax rate and average tax rate. My current marginal tax rate is 28%, so contributing to a traditional IRA saves me 28%. In retirement (given 2008′s tax brackets) my standard deduction is $10,900 (for married filing jointly), so if I understand this correctly my first $10,900 in withdrawals from a traditional IRA will not be taxed at all just as with a Roth. It seems that the Roth IRA has a clear disadvantage here. The next $16k is only taxed at 10%, etc. So assuming that 100% of my retirement income comes from an IRA, then isn’t it more appropriate to compare my expected average tax rate in retirement to my current marginal tax rate. It would seem that there is a clear advantage to having at least some money in traditional rather than Roth accounts unless you expect tax rates to go through the roof.
If I’m making a mistake in the logic above, feel free to point it out. Obviously other considerations like social security and its taxability will have an impact but frankly I am not up on the tax rules surrounding social security income.
By Dove, May 13, 2009 @ 10:32 pm
You don’t get hate mail because your audience expects criticism. It’s right in the title of the blog. And, frankly, you do it well.
Dave may be wrong on advanced topics, but he is useful because a lot of people are utterly financially illiterate. They don’t weigh rates of return. Even odds, they don’t even know what a rate of return is, and certainly not what constitutes a good one. They have never tracked expenses, never considered investing, and never looked beyond the next paycheck. They do not understand that their debt makes them poor. They cannot connect a lifestyle of frivolous purchase to the difficulty they have in making ends meet. They have no context from which to consider large purchases, having simply never lived another way.
Dave exists for these people. For folks who respond to advice like “spend less than what you make” with “I never thought of it that way.” Many of us who have since become wiser received that revelation from him. He’s good at advising a person to get his act together and save $50 this month instead of going further into debt. So I find it somehow forgivable that he’s not so good at telling folks what to do when they’ve been saving for 35 years and have amassed enough wealth that tenths of percentage points really matter.
But it’s disturbing that he tries. I’d rather he simply said “not my field.” True, if it weren’t for him, some folks wouldn’t have retirement accounts at all–so even if he helps them go on to mismanage them, on balance, he’s done them good. Then again, he advised another retiree to make inappropriately aggressive investments, so perhaps he can do a lot of harm, too. And the criticism here makes him start to look dishonest, or at least unwilling to do his own homework and honestly find the bounds of his own knowledge. That’s too bad.
By bex, May 14, 2009 @ 12:43 am
nothing to add… other than “ramsey is a tool.”
By Dangerman, May 14, 2009 @ 6:23 am
“Okay, but Ramsey said the marriage penalty was a “fluke” that “was corrected.””
Well, that’s discussing legislative intent, not really personal finance. Dave’s advice is generally correct for about 93% of the American population. Besides, the “marriage penalty” -was- “fixed” for many households by the 2001 Bush tax cuts. I don’t have my old tables, but I believe that it used to get couples earning as little as $50k each.
“To be fair (and why not be fair?)…”
I’d say you’re right about numbers 2, 3, 5 and 7. For the others:
1- Dave is technically correct based on the scenario he has created. Dave said “If you do -that- in a 401K…” where “that” is “$500 a month.” Then, $500/month in a Roth IRA clearly -is- better than $500/month in a 401K. Dave didn’t account for the fact that $500/month take home is $600 (or whatever) pre-tax, but based on the exact wording he stated, he’s not wrong.
4. Discussed above. Dave’s answer may not run some Monte Carlo simulations to account for the standard deviations of returns in the investments, but as a generality he’s right.
6. Discussed above.
8. “By the time you pay taxes, you’ll lose money.” – this statement is absolutely correct. Your criticism is a different in opinion about the proper asset allocation. If the “retired widow” is 55, then Dave is 100% correct – although if she’s 85 then you are more correct. Without knowing her age, there is no right answer.
9. Dave uses the terms “growth, growth and income, aggressive growth, and international” differently than modern investors use the “growth” vs “value” terminology. These labels were more commonly used 15 to 20 years ago. Dave may be behind the times in the -terms-, but the underlying asset allocation isn’t that bad. You are correct about “yield”, but in all fairness the caller very likely meant “most total amount of money” since that’s what people ultimately care about.
10. “In a year’s time, it has more than a 15% move up or down.” This statement is approximately correct, the typical standard deviation of a single stock is about 20-25% (See, for example, Ferri, All About Asset Allocation).
“Jake… is trying to get out of debt.” Dave’s advice in this situation comes back to point #4 – investing while still in debt. The risk involves in single stocks, while paying interest on that money, makes the plan a poor choice for almost everyone. Since Dave typically discusses mortgage debt differently, it appears that this caller has consumer debt (cars or credit cards), which is likely at a high interest rate. If so, the 15% yield on the plan would very likely be wiped out by the 10%+ interest rate this caller is paying on his debt.
For example, assuming that the caller’s debt is only 10%, the plan achieves a return of 5% -if- the stock price is perfectly smooth (which of course never happens). A 5% return on a single stock is far, far away from the efficient frontier, and therefore is a bad investment.
“so I know that the right advice is that he should max out the scheme and sell the stock immediately every quarter.” Why? Were you in debt at the time? Did you know the long term variability of your company’s stock?
Well, that was really long.
The thing is, Dave generalizes (and, granted, sometimes is plain old wrong or uninformed), but Dave speaks to his audience – and he’s generally correct even if he doesn’t explain why.
Ok, just my two cents.
By ObliviousInvestor, May 14, 2009 @ 8:00 am
Here’s my question for Dangerman:
If, as you say, Dave is “generally correct,” is that good enough?
Or, given the degree of trouble caused by being wrong (#5 from above stands out to me), do you think his listeners/readers would be better off if he simply refrained from addressing investment-related topics?
By Dangerman, May 14, 2009 @ 8:30 am
“If, as you say, Dave is “generally correct,” is that good enough?”
Yes, absolutely. Financial illiteracy is a huge problem in this country, and Dave educates “the masses.” Us internet posters can sit back and criticize, but Dave speaks to some 6 million people every day. If you think he should say “this is generally the answer, but it may depend on various aspects of your specific situation” before he answers any question, well sure – but what’s the point of that?
“Or, given the degree of trouble caused by being wrong (#5 from above stands out to me)…”
#5 also stands out for me, because I’ve personally heard Dave recommend a S&P500 index fund on several shows. I heard him do so in one podcast last week, actually. Therefore, I suspect that this quote is from an older show, although I haven’t retraced Frank Curmudgeon’s steps.
Dave is not really an “efficient markets” guy, although many people would like him to be. But, one key point that this criticism overlooks is that many people -do- need help with their investments, and therefore paying loads to a fund broker can be worthwhile if that broker is actually helpful.
You can say, “everyone should be able to create an asset allocation using low cost Vanguard funds by looking stuff up on the internet.” But that’s not the reality for many Americans. Therefore, Dave’s advice is a “safe” (fund brokers generally won’t screw you over and take your money) avenue, even if other options might be better.
So, is Dave perfect? No. Does he do far, far more good than bad? Yes, absolutely. No need to let the perfect become the enemy of the good.
By ObliviousInvestor, May 14, 2009 @ 9:15 am
To me, the alternative isn’t saying, as you put it “this is generally the answer, but it may depend on various aspects of your specific situation.”
To me, the alternative is simply to admit a lack of expertise when faced with a specific topic about which he isn’t terribly knowledgeable.
Or, perhaps, to take the time to learn a little more. After all, Dave speaks to some 6 million people every day.
By IndependentOperator, May 14, 2009 @ 10:54 am
@Dangerman:
You and Frank arguing about Dave’s level of correctness is pretty silly. The implication in your defense is that Dave didn’t stumble upon what you believe is the right answer by pure accident. If you analyze the words that surround the facts in his responses, he is most clearly an idiot who has no business telling people what to do with the whole of the wealth they have accumulated throughout their entire lives.
Are you being serious? This is not an argument of technicalities. This is an argument of people giving horrible advice about VERY SERIOUS THINGS that ultimately result in all of society being worse off when we have to find ways to take care of people who have blown their retirement savings.
It is BECAUSE financial illiteracy is so rampant that people like Dave need to avoid giving advice where they are not expert. There is little hope that someone will read his advice and realize it is not correct, because the reader knows next to nothing about finances. It is irresponsible for Dave to take an expert role if he is not an expert. That means he either has a huge ego and thinks he is way smarter than he is, or he is being dishonest and should defer to true experts.
Whether or not he stumbled on technically correct answers is not at all the point. He is not, as you are implying, a true expert who only seems kind of wrong because he’s trying to dumb down and generalize the output of his expertise.
By Mike Peterson, May 14, 2009 @ 11:00 am
I think some of your criticism of Dave is a little off kilter. You need to keep in mind that his advice is provided in context of people following his advice, fully.
For intance, #1 above. If you follow Dave’s advice fully (get out of debt, save 15% of your income, live within your means) there is no way someone age 30 will not wind up in the highest tax bracket at retirement. Investing in a pre-tax retirement account with even reasonable investment success would result in RMDs that, alone, would put the person in today’s 35% tax bracket. So, his statement holds true.
Trust me. When I first started listening to Dave, I too was a skeptic. However, if you become a regular listener and hear him address some of your concerns by putting them into the context of following his 7 Baby Steps program, you’ll find that his advice, overall, is pretty sound.
You also need to learn to view things from his point of view. For instance, his comment in #1 above references a 30-year old putting $6,000 per year into a Roth IRA. Now, we all know the contribution limit for a 30-year old is $5,000. However, you have to listen to Dave fully explain this to better understand. What he means by this is that the typical 30-year old probably pays about a 20% average tax rate on income (federal, state, and local). That being true, the person has to earn $6,000 to place $5,000 into the Roth IRA. I think it’s confusing, but he views the taxes paid as part of the $6,000 investment. When you think about it, his comparison is actually a more realistic view, since it deals with the taxes at both ends of the example.
This is coming from someone who 8 years ago heard Dave and thought, there’s a poor fella who just doesn’t understand leverage. Now, I’m a facilitator in my church for his Financial Peace University and am working his 7 Baby Steps Program. I can testify to the positive results of his program, both for myself and for clients I’ve recommended follow his program.
However, I’m not a Kool-Aid drinker. For instance, I still take issue with his view on permanent life insurance ALWAYS being a bad idea. I feel it has a place in estate planning and special needs planning.
But, all in all, Dave’s advice if better than the advice provided by over half the people in the financial services industry.
By GPR, May 14, 2009 @ 11:48 am
@Dangerman: “Ok, just my two cents.”
I charge more per word than you do.
By Frank Curmudgeon, May 14, 2009 @ 1:29 pm
Now this was the sort of reaction I was expecting.
Dangerman: As I’ve said before, I think Ramsey has a role to play and that he does it well. All I am saying is that he should keep inside the bounds of his expertise.
On #1: His exact wording may be correct in some sense, but it is so wildly misleading as to be deceptive and certainly does not support his conclusions. My point is not that he is lying, but that he doesn’t understand what he is talking about. (Which may be worse.)
#5: Ramsey’s position, as I understand it, is that S&P 500 index funds may make sense, but only in taxable accounts.
#8: No, you won’t lose money, you will lose value relative to inflation. His alternative is a stock fund in which you may lose both money and relative value. I believe that the caller refers to living on Social Security, so I infer she is not 55. Although she could have meant survivor’s benefits. Remarkable that Ramsey didn’t ask her for details, isn’t it?
#9: As used by investment professionals, I believe that growth as an investment style always meant what it does today. It certainly meant what it does now 15 years ago, when I was helping to manage a growth mutual fund. (Never forget: I’m old.) I think from the context that the caller, who is asking about a new retiree, really is asking about income.
#10: The terms of Jake’s company’s plan is that the money is taken from his paycheck and set aside over the course of each quarter. On average, his money is locked up for half the quarter, or one eighth of a year. Then he gains 15% on it, meaning his annualized return from this scheme is 206%. Yes, he does own the stock for a short period before he can sell it, but that time period is measured in hours. There’s really nothing to discuss here. Jake should max it out. Again, my complaint is not that Ramsey didn’t understand this, but that he confidently gave advice as if he did.
Mike Peterson: You are making my case for me. If Ramsey thought that $6000 pre-tax meant a $5000 Roth contribution (because of the little-known 16.66% tax bracket?) then he’s really lost, because he then forgets about the issue of taxes on contributions altogether when he compares the relative value of the two schemes.
Yes, a 30 year-old who diligently saves and gets a 12% return on his investments will be rich by 70. But I’m not so confident about the 12% part. You should also consider the effects of inflation. Assuming a 4% average over 40 years (an unscientific but popular assumption) the 35% bracket, which now starts at $372,950 for couples in 2009, will start at $1,790,540 in 2049, based on the very unlikely assumption that they don’t change the laws in the meantime. How sure are you that a typical 30 year-old following the Ramsey Way will end up there?
By Kosmo @ The Casual Observer, May 14, 2009 @ 4:57 pm
Interesting that we never hear about the marriage bonus
Taxpayer A makes $100,000
Taxpayer B makes $10,000
They get married … and much of taxpayer A’s income gets dragged into lower brackets, resulting in a lower total tax.
How common is this? Think of couples with a stay-at-home spouse who has a small in-home business (day care, Tupperware, etc) – or situtations where one spouse is retired and the other is not – or one is unemployed and the other is not.
Regarding Roth vs. traditional (or 401(k)), I dissect some scenarios here:
http://www.observingcasually.com/roth-vs-401k/
By ObliviousInvestor, May 14, 2009 @ 10:35 pm
Kosmo: Such was the case when my wife and I got married. Due to the significant difference in earnings between a tax accountant and a social worker, we ended up with a substantially lower total tax burden.
Marriage bonus!
By Dave C., May 15, 2009 @ 9:26 am
Frank,
I think you must now know what you need to solicit responses from now on, eh? Stick it to ‘em.
By Jon, May 15, 2009 @ 1:07 pm
Can you explain your statement from #1 that:
The tax savings you get from the up-front deductibility of traditional IRA (or 401k) contributions is exactly the same as the tax savings you get from the distributions of Roths not being taxed, assuming tax rates are constant. If the tax rate is higher now than in retirement, a traditional will save more money.
I understand Dave’s “logic” but I don’t understand your statement.
Are you doing a time value of money calculation and saying that the net present value of the future tax savings of the Roth equals the net present value of the current tax savings of the traditional IRA/401(k)?
Perhaps you could give an example.
Thanks.
By Dangerman, May 15, 2009 @ 1:30 pm
“#10…On average, his money is locked up for half the quarter, or one eighth of a year.”
You are completely right, I missed that part and was assuming a year long lock up. My mistake.
So I’d agree on 2, 3, 5, 7 and 10.
“This is not an argument of technicalities. …he is most clearly an idiot…”
Well, how can you know unless you run the numbers? There’s a lot of cultural condescension directed at Dave (and he, of course, hurls it back). Frank wasn’t doing that, but the attitude of “I know better” seems to keep large segments of American from learning from people like Dave.
“he should keep inside the bounds of his expertise.”
&
“…no business telling people what to do with the whole of the wealth they have accumulated throughout their entire lives.”
I think the question might be phrased: “is the world a better place if Dave talks about investments, as opposed to a world where he did not?” I would have to say that the world is better for having Dave to educate us – even if he isn’t exact, and isn’t correct in every situation. In my opinion, he is better than -nothing-, because people without -any- knowledge often make huge mistakes (i.e. get scammed, swindled, blow the money, etc.), whereas the types of mistakes Frank is criticizing are (relatively) small mistakes.
Overall I think its fair to say that, for a guy who fills 4 hours of airtime every day, Dave is incredibly accurate the vast majority of the time -for the vast majority of his listeners-.
Ok, this was fun. A pleasure to chat with y’all!
By Kosmo @ The Casual Observer, May 15, 2009 @ 4:38 pm
Jon,
Very simple example:
- You will double your money between now and retirement
- tax rate is 30% (now and in the future)
- This is a very simple example, but I’m ignoring the other factors because they are the same in both examples and cancel each other out.
Roth:
Start with $1000
Pay taxes of 30% before contributing ($300)
Money left to invest = $700
Money doubles to $1400
Pay no taxes on distributions
Traditional
Start with $1000
Pay no taxes before contributing
Left with $1000 to invest
Money doubles to $2000
Pay taxes of 30% on distributions ($600)
You’re left with $1400
By Kosmo @ The Casual Observer, May 15, 2009 @ 4:45 pm
Oblivious investor: Back before the Bush changes went in, I was discussing this with another friend who also works in IT. Both of us have degrees in accounting, and he has a CPA.
He’s ranting about the marriage penalty … and I eventually get him to take a closer look. His wife had recently begun staying at home with the kids. Yep, he was getting a marriage bonus. He was taken aback at the realization. The phrase “marriage penalty” has become ingrained in our language, though, whereas “marriage bonus” has not.
Single people just have bad lobbyists
By ObliviousInvestor, May 15, 2009 @ 6:45 pm
Jon: The issue of Roth vs. Traditional being the same if your tax bracket doesn’t change is simply the result of the commutative property of multiplication.
Take a 25% (or whatever) cut of the money now, or take a 25% cut later. It shouldn’t matter.
Kosmo: Agreed precisely. The marriage penalty is indeed real. And so is the marriage bonus. Interesting that only one gets talked about.
By Frank Curmudgeon, May 16, 2009 @ 9:15 am
What also never gets talked about is the partisan split between married and single people. Married people lean heavily Republican, single people Democrat. Last I saw numbers (a while ago) this was by far the biggest demographic split around. At some point the Repubicans decided to play to their base in a typically crass way and express outrage about the “anti-marriage” tax code. That’s bad enough, but the Democrats then sheepishly went along with it, rather than pointing out that a) on balance married people are better off with the current system and b) it’s a perfectly reasonable and justifiable tax policy.
By Kevin @ The Money Hawk, May 16, 2009 @ 5:13 pm
Can I ask where you got these quotes?
By Frank Curmudgeon, May 16, 2009 @ 8:00 pm
What, the Ramsey quotes? From his website. Click on the item names to go there.
By Mike, May 17, 2009 @ 4:13 pm
The way I look at is – if someone motivates you to take charge of your own finances and manage your own money and investments, then it’s good advice.
Once you become motivated, you’ll become better educated and figure out what’s in your own best interests. It’s that initial step that’s the most important.
That’s why I like Dave Ramsey, and also why I like Suze Orman. They both have good stories in which we all can identify, and they’re both master motivators.
By Mary, May 18, 2009 @ 12:51 pm
Yeah! Controversy – as Dave C says, know you know what stirs up responses, right? I’m a complete financial amateur who has been trying to get better – lurking on PF boards for about a year, seriously started fixing my screwed up financial house about 9 months ago. I am not qualified to address any of the topics in the commentary above except for the following: I listen to DR for info-tainment and I follow (in general) his basic personal finance advice. He says things that blatantly sound off-kilter and that spurs me to thought & further research to determine what the heck he’s thinking – but I bet I’m in the minority – if someone doesn’t have a filter for what doesn’t seem right, and they don’t follow through with research, they could be harmed following his advice. But god forbid you ask for others’ opinions of what he says – I made that mistake just this weekend on a PF forum and was lambasted for being an idiot even to listen to him and was informed that since I’m in debt I shouldn’t participate in a PF forum. (?!) A civil discourse (civil for the most part) such as above would help those of us who like to listen, but want the additional details of why his advice on broader issues may not be correct…
By Rob, May 20, 2009 @ 4:40 pm
Regarding #1… you mention “If the tax rate is higher now than in retirement, a traditional will save more money.” When Dave (and others leaning in this general direction) have brought this point up, it’s always in the context of “…and you can pretty much bet on the tax rate going up because of the country’s current fiscal condition.”
I just read your other post about traditional vs. Roth IRAs and understand your argument that this concern has been around for three decades, but I think that’s still a reasonable argument, particularly in light of the past couple years’ deficits.
By K, May 21, 2009 @ 1:55 pm
Dave very commonly tells people to talk to an attorney or financial planner, as does the disclaimer at the end of each podcast. He has a network of professionals he endorses to provide additional financial planning services. Yes, they will provide a similar message, but as the disclaimer says, each situation is different.
I’ll concur with the other posters who say that the biggest thing that Dave does well is get people thinking about their money and providing a clear and easy to follow framework for people to get out of debt and build wealth. The “higher problems” don’t really come along until you are well into the steps, anyway, and by that time, it’s likely that the lesson of “understand where your money is going” has been drummed into your head enough by what it requires to make an emergency fund, pay off debt, build the emergency fund larger and THEN you really start worrying about investments. Likely at this point many realize they are out of their depth, yet are in control of their finances, and go looking for professional help.
Put another way, I can tell that my plumbing is leaking (and so could Dave Ramsey). But I likely need to call a plumber in to fix it.
Contrast Dave’s advice with other financial advice that delves into nitty gritty details about financial markets, investment types, leveraged buying, entrepreneurship as the solution to all problems, and so on and the “average” person will get quickly overwhelmed. And it’s far and above “advice” that stock pickers and get rich quick schemers sell or preach.
By Jim, May 21, 2009 @ 5:49 pm
Mike Peterson said: “For intance, #1 above. If you follow Dave’s advice fully (get out of debt, save 15% of your income, live within your means) there is no way someone age 30 will not wind up in the highest tax bracket at retirement. Investing in a pre-tax retirement account with even reasonable investment success would result in RMDs that, alone, would put the person in today’s 35% tax bracket.”
Someone with median income who invested 15% of their pay in a pre-tax 401k from 1966 to 2006 would have accumulated $1.1M if they had achieved 10% annual returns. If they had instead put their money in the S&P500 they would have accumulated a bit under $850k. If they take 4% from age 65 onwards then that would be $34k to $44k distributions. If they waited till age 701/2 before wirthdrawing anything then their required minimum distributions (RMD) would be around $30k – $40k. In any case it would put a married couple in the 15% bracket. Nowhere near the top 35% bracket which is for income over $372k.
By Jim, May 21, 2009 @ 6:07 pm
I do think there is some very bad information in those quotes from Ramsey. #5, mutual funds do NOT always beat the S&P. #8, CD’s are secure.
For #10 whether or not its a good idea depends on the exact nature of the stock participation program. At my company I can put 10% of my pay into a fund and buy stock at a 15% discount every 6 months. So for me its a guaranteedd 15% return in 6 months. Thats a no lose situation so I should definitely participate. However I’ve also heard of stock particiption programs where they won’t let you sell the stock for at least 1 year. In that case you could easily lose a lot of money if your locked into the stock for a period of time. So it really does depend on the details of the program.
By Darcy, February 2, 2010 @ 12:54 pm
Well, as a beginner, I think Dave’s an inspiration for making a lifestyle change that will lead to wealth building. However even as a beginner, I thought his investment advice was iffy. His suggestion about NOT making a company-matching contribution to a 401K was rejected by my husband and I. We just can’t see throwing away the opportunity to get free money out of his otherwise tight employer.
By JWS, February 17, 2010 @ 6:26 pm
How wealthy and successful are YOU?
By Nate CFPwannabe, February 18, 2010 @ 2:12 pm
Dave Ramsey is a remedial measure. Helpful to those climbing out of the pit, he is not optimal for reaching for the stars. A great help, he understands the spirit of the debtor. He is not a Wealth Management Expert. He must be understood in his place.
By Mark, March 2, 2010 @ 11:34 am
I just ran across this posting, but I find it interesting that the author is just as bad as Ramsey. I’m not going to go through every entry, but will use number 1 as an example.
You claim Dave is “unequivocally wrong” in saying a Roth is better than a 401(k) because of deductability, and you use my favorite bad argument to try to say that: “deductibility of traditional IRA (or 401k) contributions is exactly the same as the tax savings you get from the distributions of Roths not being taxed, assuming tax rates are constant.”
Really? You omit the fact that for the deductability to equal tax savings, you are also assuming NO EARNINGS on either retirement account.
Maybe you, sir, have “no business giving advice on several sub-areas of personal finance.” I’m no Ramsey fan, but please don’t add to the bad advice already out there.
By Lisa, March 15, 2010 @ 1:08 pm
I love reading financial advice and agree that technically Dave Ramsey is not always totally correct. You forget that one variable overlooked are the traps laid by sellers puffing their product with no recourse to the little guy. I have one IRA from Sherson American Express since 1980 that is worth 1/3 of the initial investment. Staying with mutual funds with a long track record IS a good long term strategy. You are doing a dis-service to the public by getting too techncal. Technical jargon are the tools of crooks. It is too easy to lose 40 years of savings and no one accurately addresses these investing pitfalls. You are right in some of the details but I’ll stay with Mr Ramsey’s simple formulas.
By Frank Curmudgeon, March 16, 2010 @ 12:09 pm
A user of technical jargon is not necessarily a crook any more than a person who simplifies things down to catchphrases is necessarily honest.
By brian, March 17, 2010 @ 10:15 am
Agree with all the statements. Dave has wonderful advice on personal finance and getting out of debt. since finding his radio station nine months ago I am debt free.
But, yes take caution to his investing advice. I mean, if you dont want to do any research or learning or pay anyone to handle your money – following is advice is a good option. Just take caution, and realize he gives the same investing advice to all his callers – which doesnt really factor in age & risk.
Dave does a good job of telling callers to consult experts in taxes and lawyers. I wish he would do that more for investing as well.
By m hall, March 24, 2010 @ 11:51 pm
This is all I have to say is:
2007: $208,765.00 in debt (not counting mortgage)
2008: start ramsey’s program
2010: $0.00 in debt
shut up his system works, I have a series 6 & 7 investment advise can vary widely from advisor to advisor, I personally give very very conservative advice & have been criticized for years, but in the last 3 years my clients have lost a total of$0.00 dollars so I guess that makes me right. It does not matter if you make 1,000,000 in 5 years if you loose 999,000 in year 6.
By tbaarr, March 28, 2010 @ 3:00 am
dave ramsey system may work
but it aint the greatest tool in the box
it cuts out making money by paying your bills with a 1% cashback credit card cause dave says they are bad
it directs you to pay more IRS taxes
because when you pay your mortgage off early
you lose your ability to itemize your taxes
and you eat your property taxes
BAD IDEA
By tbaarr, March 28, 2010 @ 3:03 am
I said it before and I will say it again
dave ramsey is rich because sheep buy his books
I have been giving the same kind of advice for free since 1996.
but since I aint a christian sheep who blindly votes repub
regardless of how many times they put us into a bubble burst recession
I am not heard in the christian circles
google my screename tbaarr sometime
By John Thomas, March 30, 2010 @ 11:36 am
I love how people are sooooooo quick to make judgements and critique others. You have no affiliation with him and probably for good reason. Being a follower of the Christian faith, I follow Dave Ramseys teachings not only for the “straight financial” advise given, but fort the spiritual background of the financial lessons. Someone too quick to judge would obviously not understand the underlying meanings. Get a life!
By Allan, April 2, 2010 @ 12:30 am
I am also a Christian, but I get tired of people holding Dave out to be an expert in personal finance. He’s probably a good guy, but he’s wealthy because he’s very, very good at giving sub par advice (not because he did well in mutual funds). There are plenty of Christian advisors in every city in this country who advise their clients in exact opposite ways–in some cases– than Dave recommends. It doesn’t make them any less “Christian” than Dave. In fact, Dave should think about checking his arrogance. Not an appealing trait for a follower of Christ.
By Jeremy, April 19, 2010 @ 10:30 pm
The other problem with Dave’s ROTH example is that you can’t put $6,000 into a ROTH each year at 30 years old – max contribution for an individual is $5,000. To say nothing about 12% assumed rate of return nonsense.
By bae, April 23, 2010 @ 9:23 pm
i bought all his books on my credit card is that wrong
By cybergal5184, May 6, 2010 @ 7:24 pm
Yes his advice is pretty simplistic. I listen to the show and I could pretty much answer these questions exactly like he does since none of the issues are ever really new. He should really stay away from the investing advice or just update it a little …. when was that 12% figure last true … 1999?
Love this blog BTW.
By Immigrant Texan, May 16, 2010 @ 3:36 pm
Enjoyed your blog, researching Dave Ramsey and seeing the terrible advice he gives people convinced me to start my own blog. He’s a never ending source of amusement, and though I’ve just begun, I look forward to analyzing more of this negative NPV advice he gives.
By Barry Whittaker, May 16, 2010 @ 7:22 pm
One of the first things I ever read about Dave Ramsey was his advice about gold. Several years ago when gold was around $600 per ounce Dave said gold was a poor investment. Look at gold today, over $1230 per ounce. That tells me all I need to know about Dave.
By Special K, May 17, 2010 @ 3:04 pm
Wow there is tons here, I am not going to try to dispute everything. As for the gold thing, he says that gold has done very well in the last 15 years or so yes, but as a long term investment it is horrible….because it is. It has average around the rate of inflation.
I find it interesting that %99 percent of people who criticize Dave Ramsey, do so on the basis of either “I’ve never really followed him, but based on what I have heard and read, I think that blah blah blah” or “I have caught a few episodes here and there”. Usually, these judgments tend to be taken way out of context.
Also, he is a strong believer in long term investing, yet all you “speculators” want to point out that he is wrong about this or that because “ooh look, he’s wrong cuz the market has dipped the last year or 2 years”….over 15 and 20 year periods, he tends to be correct if you look at your history of the markets…so what if gold shot up for a few years, or a mutual fund dipped for a couple years…what you guys are doing “gambling” with your investing if you are speculating for the short term.
As for when he says things like %12, he usually uses that as a demonstration tool to say, for example, “at %12 the outcome would be 3 million dollars, but even if I am half wrong, that would still be 1.5 million” the point being, “this is what it will cost you to continually waste money instead of blowing it on cars and smoking etc. And the S&P HAS averaged 10-12 percent (before inflation) so why is everyone bitching about those numbers? Because you found some years here an there that did NOT do that? So what? It’s called an “average” for a reason…..long term!
By Special K, May 17, 2010 @ 3:08 pm
….for the record…I recognize all my grammar gaffs in the last post haha…I got lost in the rant.
By Immigrant Texan, May 17, 2010 @ 10:13 pm
Special K,
I certainly agree with you that people shouldn’t judge Dave’s program without understanding it in its entirety, but the fact of that matter is that people don’t need to be daily listeners in order to dissect his ideas. He has a website where he publishes all his fundamental beliefs or recommendations. For most it doesn’t take much more analysis than this to realize some of the substantial errors.
Like others have pointed out, Dave’s system of debt reduction may make sense, but only when considered from a behavioral perspective which implies the difficulty of any assessing it any sort of objective manner. For instance someone who successfully rid themselves of debt under Dave may have been equally successfully under a most-expensive-debt-first reduction policy. But since we don’t know that, all we can debate is that Dave’s system is certainly less optimal financially speaking.
On investing, this is where I have a strong dislike for what Dave pumps out. First and foremost, the S&P 500 has not returned anywhere near 10-12% historically. This requires really creative math to achieve, like ignoring certain math basics and role of inflation. Go to http://www.moneychimp.com/features/market_cagr.htm , pick any time frame you want, adjust for inflation, and look at the CAGR, that’s the annualized rate you would have earned investing in the S&P 500 over that time period. CAGR or geometric mean, is a more correct way to look at the return on an investment. As a quick example/proof, imagine that you have a 10 yr investment, in years 1-9 it returns 20% annually, but in year 10, -90%. The average annual return would be (9*20+(-90))/10 = 9%, seems pretty good. However, the $1 you invested is worth $0.51=((1.2^9)* .1) at the end of year 10. If you still believe we’re just a bunch of haters, google CAGR (compound annual growth rate) or geometric mean. You should not ignore inflation since it’s a measure of earning power which is what you really care about when making financial decisions.
Finally, you’re on to something when you started talking about taking a long term perspective. If you follow that logic out, you’ll soon find that long term investing requires asset diversification which entails much more than Dave’s simplified portfolio. Ignoring gold b/c of the 100 yr history is not wise, especially since from 1999 to 2009 it beat every other asset class (to include any US equity class). The recent performance doesn’t mean you should be 100% invested in gold, but rather that some portion of your portfolio should contain gold or commodities in order to fully diversified. Since you have no idea what the relative performance of any asset class will be in the future or when you will need to access your investments, you should be diversified across asset classes to reduce your overall level of risk.
Cheers, hopefully this persuades some of you to look elsewhere for investment advice. Dave’s will likely be extraordinarily costly in relation to a diversified portfolio of index funds. 20 years from now, Dave won’t have cost the $200-300 you spent on the class, it will likely be thousands and you’ll have learned through the school of hard knocks the definition of opportunity cost.
By Dan Been There Done That, July 6, 2010 @ 8:29 pm
You are correct about the things Dave R. has gotten wrong. I am a firm believer in getting out of debt and following his basic steps to achieve that. I even teach it in churches and to employees of any business that wants it. Only difference between Dave and me is that I do it for FREE. He is worth millions, which he built from selling overpriced books, cds, and seminars. I don’t drink all the Dave Koolade. A house is NOT an investment, and you would think he would figure that out after going broke in realestate. Gold and metals should be part of an overall investment strategy. And his Growth, Growth and Income, Agressive Growth, and International Mutual Fund advice is the same as having all your eggs in one basket when the economy tanks, as it did in 2001, 2008 and may very well do it again in 2010 or 2011. Better advice may be 25% in Money Market- VERY conservative. 25% in a stable somewhat conservative, 25% in a Growth or aggresive fund, and 25% in commodities. I am taking his Financial Peace University 13 week class which is great, but the material is so outdated, that many of his statements went out the window with the 2008 dive of the market.
By Hibryd, July 7, 2010 @ 7:52 pm
Are you getting less than 12% on your investments? Then you’re just stupid!
https://www.mytotalmoneymakeover.com/index.cfm?event=dspAskDave&intContentItemId=116453
I know, I know, that was a surprise to me too. I mean, wasn’t consistent 12-13% returns a big red flag that Madoff’s had to be cooking the books? But at the 4 minute mark on the above clip, Dave helpfully explains things:
“Let’s say you outperformed the stock market because you had the good sense to actually study mutual funds and select a good one and got 12% on your money. Let’s just pretend you are smart enough to do that. I can do that in 35 seconds on Morningstar. Some of you financial people are too STUPID to find a 12% mutual fund. I don’t know WHY you’re that dad-blame dumb, by the way, but some of you are. I can find one in 32 seconds on my Morningstar, but anyway, I just found one…”
By John C-CFP, July 16, 2010 @ 8:48 pm
Immigrant- perfectly said.
The only missing point is my favorite index fund support quote “that fund didnt even beat the S&P500″ statement many Ramsey followers use. Most don’t try to! Investors should realize to be diversified more than one class/style of index fund is necessary and rebalancing is a must.
That being said Dave gives great advice to his audience and most people give him too hard of a time. Even Jeremy Grantham and John Hussman make mistakes!
By Dan, July 27, 2010 @ 9:12 pm
I have read some of these posts, but not all of them.
I have a simple question for all the bloggers here including myself: which of us has gotten out of enormous millions of debt, went back and payed of the bankruptcies even though not required, in full. And, has successfully coached and shown others how to do so including myself, along with a 100 week best-seller book. Answer—nobody in this blog forum. The reason why people don’t follow his steps as well as they should is because of that dreaded four letter word: W-O-R-K. Very hard work at that but well worth it. I am almost debt free and will have my 100k home paid for in 4 years in cash and am LOVING every minute of it. Come to think of it, I might invite all cynics to my mortgage burning party. As Dave says, “yeah, baby!”
Dan,
By Peter Rush, August 2, 2010 @ 12:36 am
I am beyond baffled by something that no one seems to comment on. On his website, Baby Step 2, is do your budget, and refine it over a few months (absolutely correct, it will take a while to really know what your baseline expenses are), and then apply the debt snowball to start getting rid of your debts. What?? That presuposes that you 1) ARE ABLE TO SERVICE ALL OF YOUR DEBTS at the present time, and 2) THAT YOU HAVE SOMETHING ADDITIONAL TO ACCELERATE PAYOFF. Great, if that’s your situation. But what if, after cutting to the bone and getting rid of everything you can live without, you STILL are short each month, or at best just break even.
So, in those situations, you really only have two viable courses. If you have no realistic prospects of significantly increased income, and no way to borrow lump sums from family members, than bankruptcy, hopefully chapter 7, is by far the quickest and most effective route to being unsecured-debt free. You credit score is the least of your problems, and you will get credit cards pretty quickly anyway.
If you have any means to accumulate and/or borrow enough to pay off your credit card debts at 30-45 cents on the dollar, than a do-it-yourself debt settlement is the clear way to go, and get unsecured-debt free in 6-18 months. AVOID all but a handful of debt settlement companies, and there is plenty of competent advice out there to do it yourself. Give me a call if you are in this boat, and need a referral to a top-notch source of all the information you’ll need to do it yourself and save 55-70% of your credit card debt (703-957-6768).
But Ramsey ignores or bad-mouths bankruptch, and does he ever, EVER even mention debt settlement? To me, these are the two biggest crimes he commits–for many people, one of these two routes will be far more financially beneficial than somehow trying to continue paying top dollar to the credit card companies to pay it off the old-fashioned way.
By OhioScott, August 2, 2010 @ 6:38 pm
Everyone on this blog needs to understand one thing: Ramsey caters to people who are broke and scared out of their mind. He is really really good at getting them on task and onto a path out of debt. Dave NEVER said he was a financial planner or expert – he’s learned and knows a lot – but he implores his readers and listeners to talk to a financial planner, tax planner, etc. If you think he’s going to wave a magic wand over your issues and they will magically go away, you’re not very bright and really need to read more and blog less.
By Jeff Staddon, August 19, 2010 @ 11:55 am
Most of you must not live in the source. Down here S&P is pronounced SNP. (Ya’ll just don’t talk (pronounced tall-ck) right.
The fault was probably the editor who transcribed the audio and was unfamiliar with the term. (as someone suggested)
BTW–nice article overall
By Jeff Staddon, August 19, 2010 @ 12:01 pm
please correct “source” to “south” in the comment above.
By michelle, August 21, 2010 @ 6:19 pm
Actually, you CAN have no FICO score (or a O)- my husband did when we were applying for a house and you know what the people talked us into doing: applying for credit! Imagine that…never mind he fact that his score says “we don’t owe anyone anything but love” they wanted a number-so here, YOU sir are mislead.
Dave specifically tells listeners NOT to do something unless they understand it and to HIRE a professional- so, it stands to reason that after you put his plan in action (which is not his alone, there are other debt busting plans the same as his) you would be debt free and smart enough to stay that way and start investing for your future- what in that is worth arguing over…unless you like owing Visa your children’s inheritance…
By Steve Nissen, August 24, 2010 @ 9:33 pm
I hit the site by accident and was surprised by the hatred. I have completed the 7 steps and can tell you–Dave Ramsey is correct.
Complete them and see!
God Bles
By Matt, August 27, 2010 @ 4:46 pm
I think that before you pick apart Dave Ramsey and label him as financially incompetent, you should at least take into consideration that he is a multi-millionaire. Correct me if I am wrong, but not one person who has commented on this forum is worth more than 10 million dollars; Dave Ramsey is. It seems to me similar to watching LeBron James miss a jumper and then proceeding to give him advice on what he did wrong. Or like an overweight person see a fit person eat ice cream and instruct the fit person of its unhealthiness. My point is that you can find small things (like a Q&A section on a website typed by someone else) to criticize about anyone for any reason. Again I would caution that before you point the finger, you realize that his financial plan has made himself and others very wealthy. Assuming all is moral and legal, isn’t wealth the measure of a good financial plan?
By Josh, August 27, 2010 @ 5:56 pm
As Dave says, personal finance is 80% about behavior and 20% about numbers. He’s not like most financial gurus who have little impact on the masses because their focus is ALL about the numbers.
I’d rather listen to and act on the general advice of a multi-millionaire who clawed his way to financial independence from being broke because he understood that the key is BEHAVIOR, than financial gurus who spew numbers but accomplish little in terms of motivating people.
Any of you who call Ramsey an idiot with respect to finance but who have less money than he does (and chances are you all have less than him), might as well be calling yourselves humongous idiots. That is, if REAL money matters to you, and not just academia and theory.
By Toby, September 3, 2010 @ 10:03 pm
Well, Josh, I think you’re wrong. Just because Dave might have more money does not mean he gives good advice which is what is being talked about here. It just means he’s a good pitchman who is good at convincing desperate, uninformed people to paying for subpar advice.
By Randall, September 8, 2010 @ 9:59 am
As a DR fan your blog really made me think. However, #2 seems silly. To me, a “0″ score is the same thing as no score at all. Were you desperate to make 10 things wrong vs. 9?
By jwell, September 10, 2010 @ 10:45 pm
I love that everyone is pointing out what an idiot Dave Ramsey is for the “SNP” error. The author clearly states that these calls are transcriptions of on-air calls. I’m going to go out on a limb and say that the chances that Mr. Ramsey is transcribing his own calls is slim. Therefore the error was most likely not his. Pointing out people’s shortcomings seems to be quite the pass time for all of you, so let’s make sure that we attribute said shortcomings to the correct person.
By RON, September 15, 2010 @ 2:14 pm
I DON’T CARE WHAT ANYONE SAYS ABOUT DAVE RAMSEY. I ONLY KNOW THAT I HAVE BEEN FOLLOWING HIS ADVISE FOR LESS THAN A MONTH AND I CAN ALREADY SEE A DRASTIC CHANGE IN MY FINANCES. EVERYONE HAS THEIR OWN OPINION AND I RESPECT THAT BUT, I THANK GOD EVERY DAY FOR DAVE RAMSEY.
By Texan, September 24, 2010 @ 12:26 am
Well, Dave is worth a lot of money, but that’s because there is a sucker born every minute. I knew this one guy in 2006, he was loaded. Had some crazy job, I think he called it sub-prime mortgage broker, clearly he was smarter than me.
Should you choose to fall his advice, go for it. No one will stop you, we will, however, point out that you would have been much better off had you picked up the Personal Finance for Dummies and Investing for Dummies at your local bookstore. That’s alot cheaper than Dave’s advice and it’s actually correct. On every issue Dave’s information is faulty or sub-par. There’s not area in which he can legitimately be referred to as an expert.
By the way, he’s getting rich off his show, books, and other paraphernalia. He’s not getting rich off any of his investment advice.
By Franklin in Cool Springs, October 11, 2010 @ 9:52 pm
I saw Dave Ramsey has a pretty big mansion in Nashville Tennessee.
http://www.coolsprings.com/news/dave-ramseys-house/
By Hibryd, October 22, 2010 @ 6:54 pm
I’ll agree that Dave Ramsey does one thing very right: motivate and guide people to get out of debt and get their financial lives under control. If I knew someone who was in perpetual credit card debt and running up overdraft charges, I’d probably hand them one of Dave’s books.
BUT if you already are out of debt, if you already have savings and investments and your money under control, he’s no help. In fact, I’d say he’s doing a lot of people a disservice by pushing his Endorsed Local Providers, especially for investing. If he really cared about people, he’d say “open an account at Vanguard, throw your money at index funds, and once you have more than $2 million *maybe* call someone up for additional investment advice.” As it is, he’s pushing high-cost full-service brokers and high-fee mutual funds because he gets a kickback.
By Steve, October 30, 2010 @ 10:23 pm
I understand Dave and understand you and the other comments. When taking advice I always ask ” What in this person’s life exemplifies his/her advice”. I adopted this after many college professors of heady knowledge, the experts, split hairs and critisized those trying the help the common man. Those men, as I learned later, had negative net worths. So I ask, Dave Ramsey’s a multi-millionaire, are you? Before you skoff at my question as undeducated or short sited -stop-think- are you or anyone critisizing a man who, loves Jesus, helped millions, and humbled himself that he does not have all the answers, better off-Or helped anyone?
By Allen, November 3, 2010 @ 1:10 am
To Peter Rush,
I don’t know if you have ever listened to Ramsey regarding the worst cases of unsecured debt. He does suggest a plan when you come up short. Dave sees bankruptcy as a moral issue. He does not ignore it. But, he does teach that it is a last resort. It should not be used to simply make things go away.
I have heard him several times deal with people who have an “income problem.” He suggests prioritizing. Keep up food, housing and transportation first. From there go as far as the money can go. Pay on one and let the others wait.
As to your question does he EVER talk about debt settlement? Yes…quite often. He has a whole section in his Financial Peace class that teaches about collectors techniques and how to settle your debts for pennies on the dollar.
To everyone else, I get it, Dave isn’t the perfect financial planner…that’s not his job. He is a very wealthy man who is sharing what he does with his money…obviously, if he’s doing it with his own money, he thinks he’s right. Still, every radio program has a disclaimer suggesting that you discuss these things with a certified planner.
By Bluesole, November 4, 2010 @ 4:06 pm
You be Frank and I’ll be Earnest.
Your comments are nit-picking 3 minute phone calls that are taken out of context at best. Dave’s show is entertaining, but the main theme is use common sense. He stresses to go to financial advisors that are teachers and not arrogant fast talkers.
His advice has mirrored David Bach’s writings, who I thought had a lot of good advice (the Latte Factor guy).
For people that don’t want to do the hard work or want some magic pill for all their financial woes to go away, Dave Ramsey is a fake.
To the rest of us willing to do the work, he is a stand up guy.
I think you should read his book to get a clearer understanding of his normal content.
We’ve started using his techniques and have noticed immediate effects. I have no doubt now that I will be very well off when I retire (less than 10 years from now).
Good luck on your road to financial enlightenment
By A guest, November 15, 2010 @ 9:11 am
I’ve also noticed he sometimes doesn’t really listen to his caller’s concerns in detail. He’ll often hear some key words and then jump to an answer based off of those. For that we can fault him.
I do however think he probably knows personal finance quite well. If you sat down and had a coffee with him, I’m pretty sure you and he would be able to talk the same language and would agree on things from the FACTUAL point of view (leaving out opinions such as asset allocation, etc.) I also think you’d probably find him pretty big-headed as I tend to when reading or listening to him. This is probably what leads him into answering questions without really listening to the details all the time. He needs to work on that. His big-headedness probably also causes the problem you mention of him not saying “I don’t understand your question” or “I’m not familiar with your particular situation but in general…”
I have to say though, we can nit-pick these issues all we want, but if an average Joe follows the advice he gives (even the erroneous advice you mention), they’re STILL going to be in really good shape financially. And, though you may overlook it, is actually a really big deal.
By jerry, November 15, 2010 @ 5:35 pm
I disagree with your view on the 401K. If you have $6 million at retirement and you only made 40 k up to that point, you are going to be in a higher tax bracket when you pull that money out; therefore, the Roth is the best way to go. Pay taxes on the money when you are making 40 k not when you have 6 million. It is mathematically impossible to be in the same tax bracket at with that kind of money in you bank account.
By jerry, November 15, 2010 @ 5:38 pm
If you want to be rich; do as rich people do, Dave Ramsey.
By kitty, November 17, 2010 @ 6:27 pm
“If you want to be rich; do as rich people do, Dave Ramsey.”
You mean have your own talk show, sell advice to people on how to get out of debt, or however else Dave makes money? Because this is how Dave Ramsey made money not by following his own advice. He certainly hasn’t made money investing in stocks, so why is his investing advice any better then that of any random person on a street?
I find this “do as rich people do” line silly. There are many rich people out there, and they all behave differently. You can interpret “do as rich people do” to mean “buy same jewelry Donald Trump buys”. Then there are those who made money by scamming people, mafia bosses, or silly people who buy $22,000 cats or $19,000 skis (from a scam artist), etc. shall we do as they do?
By Harry, November 20, 2010 @ 1:17 pm
@Kitty,
You are taking that line out of context. Dave was referencing the book, “The Millionaire Next Door” and how there are a lot of rich people who live frugally. His advice is to emulate them, not the Kardashians.
Is Dave Ramsey making money off of the talk shows and books? You bet. But that doesn’t mean his advice of becoming and staying debt free is a bad idea.
There is no requirement to send Dave money to follow his advice, it is on his free website and available in free podcasts. This is not some set of tapes promising the secret to wealth for just four payments of 19.99.
Dave Ramsey freely admits that this stuff is mostly common sense. His is not the only way out, but one that a lot of people have had success with. For many people, Dave Ramsey’s plan is a lot better than their current path.
By Jennifer, November 20, 2010 @ 3:34 pm
Wow. I briefly skimmed the comments (who REALLY has the time to blog? REALLY?) My husband of 22 years & I finally tried DR’s ‘Total Money Makeover’ plan in October. Before finishing the first chapter, we paid off $1700. We are on target to pay off $40k in 7 or less months! We are NOT uneducated or stupid baffoons. We have 5 children (one just married) & are strong savers & investors. Unfortunately, we just ‘bought’ into a little bit of the culture of debt. Through Dave’s books, we are so embarrassed why we didn’t figure out how to become debt free systematically. We just never thought it possible while raising 5 kids. So what’s the harm here? I WILL be cautious with regards to his investment advice per these blogs but personally, we are grateful for the simplistic steps!! We also plan on paying off our house in 7-8 years. Find me a blogger here who is in the same shoes, raising 5 children & will have paid off $200k in 8 years.
By Matt Johnson, November 23, 2010 @ 3:59 pm
Dave Ramsey recommends mutual funds because they bring commissions to his Endorsed Local Providers, which in turn brings back more money to Dave Ramsey Inc.
The man has the heart of a salesman. It doesn’t mean he’s wrong on everything, but it means he won’t recommend certain products because he personally benefits from recommending others. Did you know you can freeze your credit file for FREE? Not if you listen to Dave Ramsey. He wants you to go to Zander Insurance instead.
By John, December 2, 2010 @ 12:39 am
I agree Jennifer, I carried quite a bit of debt around, $130,000.00 not including my house. $60,000.00 of that debt was back taxes I owned the IRS from the mid 90′s. Thinking to my self that I would never get out of debt, especially with the back taxes, penalty’s, and interest, I started working Dave’s plan and paid off everything except the house in 2 1/2 years, I am forever grateful for what I learned in Financial Peace University. Regardless of the pessimist here, I can say the bulk of the information Dave has taught me, has changed me and my family forever for the better. Thanks Dave Ramsey.
By Jay Sherman, December 9, 2010 @ 1:36 pm
I completed Dave’s plan three years ago and paid off $26,000 in less than 17 months. I followed the plan and unlike before now I have a robust IRA, ESA accounts for both my kids, a nice investment portfolio and a nice savings account.
Most people spend more time on FaceBook and texting than managing their finances. Dave is the bomb!
By matt, January 3, 2011 @ 10:07 pm
I started working daves plan 18 months ago and so far paid off $30k in consumer debt…
regardless of what is said about daves advice, it has help me…
By Lori, January 5, 2011 @ 2:51 am
Hi, I just wanted to ask if you, yourself were debt free? I feel really stupid if I were to take your advice and you were not. I know Dave is debt free so I take his advice on most topics. Just wondering.
By Lori, January 5, 2011 @ 3:11 am
Just wanted to say that the Peter Rush that commented in August you are an idiot!!!! Are you serious? His whole plan is to get out of debt. He does talk about debt settlement. He also even talks about that if you do not have enough to start a debt snowball that you should write all your finances down and draw a line to which the creditors under the line do not get paid! I think that before you go and give advice that people should file bankruptcy you need to read his books yourself. How much money do you have right now???????
By Robert Thompson, January 6, 2011 @ 10:37 pm
Dave Ramsey wants your money – period.
(As the latter-day financial Jim Jones) he bleeds low-income, and financially uneducated people, and all in the name of the Lord (?).
This man will burn in hell. Period.
I do about 90% of my financial life diametrically opposed to what Mr. Ramsey tells you to do. I’m 63, got laid off 10 years ago. My highest gross salary was $84K. Never inherited a dime. I now have $3 million dollars in hand. And virtually all of which was garnered doing EXACTLY THE OPPOSITE of what Mr. Ramsey tells you to do.
Our regular household income (after taxes and insurance) is a partial disability that nets us about $80 a week. Yet we live extraordinarily comfortably.
Pay “emeal”s money to tell you what groceries to buy?! Are you crazy? Call me – I’ll you how to – in a heartbeat – reduce average grocery bills by 75$ – or more – and FREE!
Car purchase?
401-k considerations?
Mutual funds?
Cash vs. credit cards? (Get 8.3 – 15% rebate on everything you buy…) Use someone else’s money to buy your things, make interest on your money in the meantime, and get rebates.
I could go on and on.
If you really want a very profitable alternative to Dave Ramsey’s very ill-advised information, email me (bt17@earthlink.net) or call me (919) 833-0858. I’ll tell you everything I know, and won’t charge you a penny (unlike Mr. Ramsey)
By Jay Sherman, January 10, 2011 @ 12:27 pm
If Mr Thompson has 3 million, why hasn’t he written a book about it? With 3 million bucks, he could publish his own book I would think. I got Dave’s book from the library…free…and never sent him a dime. Oh yeah, the call we made to scream “We are debt fre”…that was free too.
Dave’s plan works and the world knows it.
By Jay Sherman, January 10, 2011 @ 12:28 pm
If Mr Thompson has 3 million, why hasn’t he written a book about it? With 3 million bucks, he could publish his own book I would think. I got Dave’s book from the library…free…and never sent him a dime. Oh yeah, the call we made to scream “We are debt free”…that was free too.
Dave’s plan works and the world knows it.
By Hank, January 25, 2011 @ 2:59 pm
I love coming back to this site to look at the comments and reading those from Dave’s admirers. Look, we don’t hate you personally and we don’t think you’re dumb. We think that you make less than optimal financial decisions because you don’t know any better. The point is not that listening to Dave is going to make you lose money, its that using your God-given brain to do some simple math will save you more. That’s the plain and simple truth, listening to Dave winds up with you less wealthy than you would be if you took the optimal path to debt reduction and investing. Dave may be a lot of things, very effective salesmen and engaging speaker, but he is far from an expert in finance. I promise every single one of you who are now living debt free, that given your details I could show you how you would have been much better off without listening to his advice.
By Jay Sherman, January 27, 2011 @ 12:47 pm
Hank,
I would like to share my situation with you.
I was making $4700 a month. I had $26,000 in debt (6K-car, 12K-van, 1K-credit card and 7K-student loan). I had $9,000 in savings.
I paid the credit card off from savings. I then used a federal income tax refund of $3800 and the money from cashing in an annuity, $1200. I paid that on the student loan reducing it to $2,000. I then changed my withholdings so Uncle Sam didn’t take so much money from each check. After using a monthly budget and finding money that I had wasted, I put that and our monthly credit card payment (usually around $200) toward the student loan. After two months it was paid off.
Then I started paying off the car and the van. Using the money we saved doing a written budget and the money we would normally send to the student loan and credit card payments, we paid off the car and the van. Some months I was making a $2000 car payment.
After becoming debt free I could fully fund two ESAs for my kids, two IRAs and myself and start investing.
Your are correct in stating that simple math is the key, but discipline is also needed-most people do not have that. That is where Dave comes in. He stresses discipline and how to maintain it. I never paid him a dime through this entire process. I never used any of his ELP’s, paid for his website programs or even bought any of his books.
Please tell me how I went wrong.
By Chase, January 27, 2011 @ 5:14 pm
On your first topic…Traditional IRAs are Traditional IRAs…401(k)s are 401(k)s. Roth is better than a 401(k) without matching funds, for sure, but if you’ve maxed out your Roth, then 401(k) is the way to go next. Once the 401(k) is maxed out before you hit 15%, then you go to a Traditional IRA.
By Tim Jacobs, January 28, 2011 @ 2:33 pm
But even those of you who don’t like Ramsey must admit one thing: it’s awesome to listen to Dave yell when some 60 year old with no money, no retirement, and a huge mortgage on the house calls in and wants to finance an $80K boat.
Tim
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By Kate, February 7, 2011 @ 12:14 am
Actually, your Roth/Traditional IRA is lacking some very important real-life elements. Your simple example assumes full withdrawal of the entire balance of either IRA immediately at retirement. This is only what happens if you really screw up, or if you have only a tiny amount in your retirement accounts. The real scenario is that you accumulate a sizeable nest-egg (using either IRA) and then draw down the balance throughout your retirement. Depending on your goals, the goal is you run out of money exactly the month before you die (leaving enough to pay funeral expenses/etc), or you leave what is left to others or to charity.
The second thing that you did not consider is either IRA should be compounding throughout its life (if you do it right). This multiplies the effect of the draw-down period of the previous point.
The third thing to consider is how long until you plan to retire. The further away retirement is, the bigger the advantage of the Roth.
A fourth thing to consider is that retiring comfortably from a traditional IRA or 401K means you are NOT going to be in the lowest tax bracket. For instance, in 2011 if you make more than $708 a month, you are above the 10% tax bracket.
Finally, another very important, but separate, factor is how much money you actually have to put into retirement each year. I’ll come back to that later.
Compounding is extremely relevant here. Let’s have an example. Let’s consider that you have exactly 5,000 to invest in either traditional IRA or to put into a Roth IRA. First let’s look at someone who is at the beginning of their career, making the big bucks (33% tax bracket), who plans to retire in 30 years on minimal income (retirement tax bracket 15%). Assume a 4% yearly return for either IRA. Say this person (insanely) takes his entire balance the first month following that 30 years. This is the result for each IRA:
Roth IRA
initial IRA deposit = 3350
current tax bracket = 33%
taxes paid (upfront for Roth) = 1650
retirement tax bracket = irrelevant
value @30 years = 11,137
Traditional IRA
initial investment = $5000
current tax bracket = 33%
value @30 years = $16,567
retirement tax bracket = 15%
taxes due @30 years if take out all = $4322
after tax dispersement = $12246
So he gets a little bit more at retirement if he takes it all out, even though he pays more in taxes. Even with a significantly lower tax rate.
BUT… now assume he planned just a wee better for retirement, and is going to be in the one-higher tax bracket. For instance, in 2011 taxable income higher than $2875/month puts you in the 25% tax bracket. And remember, traditional IRA disbursements are taxable.
His numbers now change quite a bit, even though he is still in 2 lower tax brackets at retirement than when he was putting in the money:
Roth IRA (SAME)
distribution @30 years = $11,137
Traditional IRA
initial investment = $5000
distribution @30 years = $16,567
taxes due @30 years = $6627
after tax dispersement = $9940
OUCH. $2306 LESS even though he’s in a MUCH better tax bracket!
But now for real life. What happens if, because he is smart, he puts the full 5K in a Roth IRA. Now you have to compare apples to apples. So on the Roth side, he could have 5K (post-tax) growing tax free and coming out gradually at retirement. On the other, he could have a traditional IRA plus the taxes that he didn’t have to pay on that 5k, which he intelligently invested at the same rate of return (4%). For simplicity, assume that he only starts cashing out those accounts and paying tax on them when he retires (just like the traditional IRA). And keep that same 25% tax bracket, because he planned well and is going to retire NOT POOR. Now here is what he gets for the same money in:
Roth IRA
initial IRA deposit = 5000
distribution over 10 years = $168/month
Traditional IRA
initial IRA investment = $5000
PLUS add’l investment of $1650
Value of IRA and add’l investment @30 years = $22,035
distribution over 10 years = $179/month
after-tax montly income = $143
Again, he loses big with a traditional IRA. $143/mo for 10 years for traditional IRA versus $168/mo for the Roth. Or, put it another way, he ends up getting $20,160 from his $6150 even with paying the taxes upfront for a Roth IRA versus $16,088 if he put 5K in a traditional IRA and invested the rest. Now he nets over $4K more for his $6,150 investment… IF he chose the intelligent Roth IRA option. EVEN WITH a major reduction in tax brackets.
I know I don’t have to run how great the numbers are if you actually stay in the same tax bracket for retirement
Also, if you do the math (Excel helps) you can see that the Roth IRA pays off better even for short-term investment. But as with any retirement planning, the sooner you put it in and the longer it has to grow, the better off you are. But if you have the money to fully fund a Roth IRA to the maximum, it is a MUCH better investment than a traditional IRA. Even if you plan to retire in a lower tax bracket.
By Jay Sherman, February 7, 2011 @ 12:24 pm
Kate,
Thanks for the wonderful example. I hope everyone reads through it to see the math.
Thanks.
By Jesse, March 10, 2011 @ 1:55 pm
Hey you guys arguing over the accurateness of Dave’s advice. If you call in a radio show and give a guy about 10 secs to analyze your situation and expect a completely sound advice on what to do for the rest of your life with your money than “You” are the idiot not “Dave Ramsey”! I mean ever hear of a 2nd opinion or doing some of your own research after you get some advice to confirm if it is correct for your situation? Dave Ramsey sets people on a path to being debt free and investing, that should be good enough for 10 sec sound bites. Ever hear the phrase “You get what you pay for?” If you want the most accurate, sound, and relevant advise for your current situation you might have to pay someone!
By David, March 17, 2011 @ 12:05 pm
To those that say you’d be worse off following Dave’s plan than you would be had you never heard of him, Dave’s message is simply pay off debt to free up your income to invest in your retirement, kids college, home, etc. Who wouldn’t agree with that?
I understand that everyone has a slightly different way getting there. For example there are different strategies for paying off debt: list the debts smallest to largest and pay on the smallest ones first and work your way up (Dave’s way), or pay off the highest interest debts first and work your way down (some of the critics’ ways). Either way, sounds to me like you’re trying to accomplish the same goal.
Lots of financial advisors/professionals have different opinions on which investment vehicles or methods are best. Dave’s way focuses on the BEHAVIOR of the typical person, and according to him, that’s 80% of the battle.
I understand that mathematically, callers could save a fraction more on interest if they go some of the critics ways, but that’s missing the point of what Dave is trying to do. He’s trying to change WHO YOU ARE and your paradigm on money. And he’s fabulous at motivating people to change their lives for the better. I know my life is better having come across Dave.
Here is his disclaimer at the end of each segment, he’s not trying to convince people he’s an expert on everything financial. He’s trying to change how we think about money.
“This program is designed to provide accurate and authoritative information with regard to the subject matter covered. This information is given with the understanding that neither the host nor the station is engaged in rendering legal, accounting or other professional advice. Since the details of your situation are fact dependant, you should additionally seek the services of a competent professional.”
Debt is killing our country, look at the over $14 trillion in debt our federal government has. And the typical American household is not much better. I think his message of debt reduction needs to spread.
Those that nit pick on the details are entirely missing the point. And that disclaimer shows that he’s aware that he’s not the “be all end all” on finances, but he’s simply motivating people to be on a budget, live on less than they make, and invest.
I don’t know anyone who wouldn’t agree with those principles.
By Jay Sherman, March 18, 2011 @ 11:51 am
Jesse,
Are you debt free?
By Jay Sherman, March 24, 2011 @ 2:30 pm
Poor Jesse. I completed Dave’s program and never paid anyone a cent…didn’t even buy his book…but I did pay off 26K in debt and have been debt free for two years now.
By jho, April 7, 2011 @ 5:07 pm
I remember Dave’s advice back before the sell off of 2008. He said you could get a 10% return from a good mutual fund as well as C.D.’s were a bad choice. He thought that gold and silver investments were poor choices as well. I told my wife he was crazy and thank goodness that I didn’t follow his advice. My retirement which is both a SEP and a Roth IRA (40% gold and silver) are up 43% from the crash of 08. I still have those loser C.D.s with plenty of cash. I think Dave’s simplistic views on credit cards is correct….but who couldn’t get this right??? One more thing I understand Dave has taken bankruptcy in the past…. so please be careful with you hard earned money
By David, April 14, 2011 @ 5:01 pm
jho,
Dave tells people not to invest unless they plan on leaving their money alone for AT LEAST five years, and to use CDs/money market accounts if they need to access it before then. In the long run this will always perform better than gold and will ride out downturns in the market.
If you would have been following his advise before the crash (which I have been), then you would have bought SUPER CHEAP shares in all those mutual funds during the crash which are back to where they were and then some. I too have made good returns in my roth 401k and will continue to do so, but had to ride out the downturn to do it.
Gold is a huge bubble which is going to burst as the market recovers. I’m glad you made a killing while it was good, but gold in the long term sucks, I’d sell while you’re ahead.
Dave went bankrupt in his twenties when he was leveraged up to his eye balls on his real estate investments. He learned from his mistakes and shares openly about his bankruptcy and what not to do so people don’t make his same mistakes. As a side note, he went back and repaid every debt he bankrupted on. I think he’s a stand up guy.
By شات, April 15, 2011 @ 9:27 am
دردشة
By John, April 21, 2011 @ 2:36 pm
This was a very interesting article. I was curious to see if you have ever written an article about his “buy term, invest the rest” theories? I am a big fan of WL and I am mind boggled at how fanatical his followers are about preaching to his message. I have reviewed several websites that quantify this exact theory and just base it all off of real life #’s and it gets proven wrong hands down (SEE DICK WEBER). I constantly see comments from his nation saying to just invest in MF’s that will make me 12% every year for the rest of my life? Show me a MF that guarantees me that and I’ll put every penny in my savings into it. Has he not seen the market averages over the last 10 years? Does DR know what the next 10 years holds in some mythical way? The stat I read that amazed me most was 99% of term policies ever get paid out meaning every person that buys term has a 1% chance of dying within that term, but none of his fanatics mention that?
On his website it ACTUALLY SAYS: “when your 20-year term is up, you shouldn’t need life insurance at all—because with no kids to feed, no house payment and $700,000, your spouse will just have to suffer through if you die without insurance.”
Are you serious? I am not even married, but if my advisor said those words to me I’d fire him on the spot!
Why does no one ever point out that after all his articles he immediately has GO BUY YOUR TERM INSURANCE FROM ZANDER. He even has this Zander guy on his website in a video that is comical at best with his advise. Are we not to believe DR gets paid a pretty penny by Zander for ALL the biz his company gets from DR fanatics? Are they not aware DR hasn’t even been a licensed pro on this topic since 1996? Are they not aware he got a show on FOX for financial advise and months later it got canceled because they realized he had no idea what he was saying?
Just like Suze Orman, I won’t be surprised at all when we find out DR has a $5M WL policy on himself.
Am I crazy or do most people not want to actually prepare for ages 65-95 even if we pass at 82 (which DR does not account for at all). Don’t people want to leave some form of financial legacy behind? Am I the odd one for wanting to leave money to my wife and kids when I pass, to leave money for my grand kids education? In his teaching you magically become “self-insured” by age 65 and don’t have to worry about anything or anyone else once your term runs out since he well knows it will be way too expensive to ever renew it. Does he not factor in taxes, inflation, or how about how quickly you will eat into that $700K from ages 65-85. Do I want to live off $30K per year in retirement and leave nothing behind to anyone?
My portfolio has about 20% of my monthly savings into WL, 20% into my Savings account, and the rest gets broken down into a 401K & ROTH IRA. Sure I am taking the gamble that I make more substantial gains in the market, but why wouldn’t I put some % of my savings into a guaranteed, risk-free account, shows me a minimum of 4% gains over the life of the policy, and have an account that I can access much sooner than 59.5, tax-free through withdrawals/loans, penalty-free, and oh by the way a death benefit that increases every year and is locked in forever to protect my family future?
If you ask me you go to DR for advise on debt because he obviously screwed up more than most and eventually found a way out so good for him and those he teaches, but I will never take a single bit of advise from him on investments, life insurance, or anything else. His blanket statements and “one size fits all” approaches to the masses is just not right as each individual has different needs, goals, and circumstances….and yet he keeps selling those books and CD’s to his legion. I just hope they all can come to grips with what he is truly great at and what he is not…
By Tim, April 25, 2011 @ 1:14 pm
I applied for a home loan with BoA and my FICO score from all 3 agencies was a 0.
By David, April 28, 2011 @ 5:11 pm
I don’t care if Dave Ramsey does get a % from Zander and others he endorses (which he may or may not), his advise is still good nonetheless.
By John, May 4, 2011 @ 6:24 pm
Well David, my guess is he gets a very large amount of money from referring business to Zander as that is why he has a video of the guy on his website, links to Zander’s website, and why DR is on the front page of Zander’s website.
The term life game is an amazing business for the companies who offer it as they keep getting those annual premiums and never have to actually pay the death benefit, lol. It’s genius actually!
I hope you take his advise to get out of debt, but not on anything else.
By David, May 5, 2011 @ 3:55 pm
John,
Check out his explanation on this link. The thing about Dave’s advice is that you have to be all in or pieces of it don’t work.
http://www.youtube.com/watch?v=gvjir8yxPUI
If you kinda sorta save for retirement and have a 30 yr mortgage like the average guy, you may be right. But on Dave’s plan, you’re out of debt and building wealth so quickly, you only need term.
By Michael, May 8, 2011 @ 1:57 pm
I think Dave Ramsey’s advice is great. So many people waste away their money and don’t even notice it.
His plan keeps you focused.
Right now, I am on step 6, trying to pay off my $86,000 mortage by age 30, less than 5 years after I got it.
And yes, I am also in the stock market.
It’s a tough challenge, but blogging about it has helped me stay focused!
By Brad, May 8, 2011 @ 10:44 pm
Just wanted to let you know that your response in item 1, while it is generally correct about the differing tax rates, the math is not as simple as a basic comparison between today’s rates and tomorrow’s. You also need to consider the rate of return that can be generated and length to maturity/withdrawal.
In particular, the first sentence is not correct. The tax savings is different between a Roth and a Traditional. Assuming constant tax rate, t, over time, the basic net tax savings will be:
Tax savings = V*t^2 *[(1+R)^n)-1],
where V is the initial investment, n is the number of compounding periods, R is the return generated. (You can further stylize the equation to include varying growth rates and n-contribution streams.)
Since all numbers in the above equation would be nonnegative, this value must be >=0, with equality if R,t,or V=0 (See Scholes, Wolfson, Erickson, Maydew and Shevlin, Taxes and Business Strategy, Ed. 3, 2005, pp.73-4).
In sum, the ability to contribute money pre-tax and achieve compounding on those funds, allows the tax savings of a Roth to potentially exceed the tax savings of a traditional, conditional on constant tax rates.
With the above aside, in general, I do disagree with Ramsey, and I do think he is generally “off his rocker.” Hope this helps to clarify your incorrect presupposition about tax savings.
By Jay, May 10, 2011 @ 12:34 pm
Copy and paste is an awesome tool…
By d. m., May 16, 2011 @ 11:19 pm
Dave’s suggested GOLD BUYER offered me $358.00 for my GOLD, and local dealer offered $785.00 and another dealer offered $850.00. Ramsey needs to have a secret shopper shop GOLD PRICES to see what a RIP his sponsor is. Have talked with others that said they experienced same response.
By d. m., May 21, 2011 @ 6:00 pm
RAMSEY IS LIKE ALL TELE-PREACHERS, JUST SELLING BOOKS, TAPES, MAKING PERSONAL APPEARANCES, GETTING PERCENTAGE OF SALES OF PRODUCTS HE PUSHES. BRAGGING ABOUT HIS LAKE HOME, BIG TRUCKS, HIS FORTUNE IN STOCKS, MUTUAL FUNDS, AND REAL ESTATE. SAYING GIVE AWAY YOUR MONEY, AND THAT SOMEONE WILL GIVE YOU DOUBLE, TRIPLE MONEY BACK. HA. HA .HA. TCT TV TALKS ABOUT ALL THE MAGIC FROM HEAVEN IN THE STUDIO, THEN WHY HAVE WE HAVE NEVER SEEN ONE PERSON WITH SPINAL CORD SEVERED, “CONFINED TO A WHEEL CHAIR HEALED” ITS IMPOSSIBLE TO WALK AFTER NOT USING YOUR MUSCLES FOR YEARS. MUSCLES DISAPPEAR, AND YOU MUST HAVE THEM TO WALK. WHY DON’T THE PREACHERS ON TCT GET LADY HEALED SITTING IN WHEEL CHAIR WHILE BEGGING FOR MONEY ON TV? TV HAS PROVED OVER AND OVER THAT CURES YOU SEE ON TV ARE FAKE, AND JUST FOR YOUR ENTERTAINMENT AND WANTING YOU TO SEND MONEY, MONEY, MONEY. NOTICE MONEY IS WHAT TELE-PREACHERS TALK ABOUT MOST. $$$,$$$,$$$.00 SEND $ $ $ OR WE WILL GO BROKE. LOOK ONLINE AT THE MANSIONS GARTH, DAN WILLIS, JOYCE MEYER, RICHARD ROBERS LIVE IN AND PROVIDE FOR ALL THEIR KIDS. THEY TAKE THE CREAM OFF THE TOP OF ALL DONATIONS. IF ANY IS LEFT THEY GIVE LOTS OF IT TO EACH OTHER, AND CLAIM THEY MAKE LARGE DONATIONS. MONEY GETS PASSED AROUND OVER AND OVER AMONG ALL THOSE CLAIMING TO BE SUCH GOOD FOLKS. ITS ALL ABOUT MONEY “FOR THEM FIRST” SEND THEM YOUR MONEY AND GO BROKE. THEN IF YOU NEED SOMETHING DON’T COUNT OF THEM FOR ANY HELP. PREACHER ON TCT TOLD CALLER TO SEND HIM MONEY INSTEAD OF PAYING LIGHT BILL. HE SAID SOMEONE WILL STEP UP FROM ????? AND PAY BILL FOR HIM. IT DOESN’T WORK THAT WAY, THEY CUT YOUR POWER OFF AND YOU END UP IN THE COLD. TRY IT AND SEE. “ITS SHOWTIME FOLKS” KEEP YOUR MONEY, YOU MIGHT NEED IT, AND NONE OF THEM WILL STEP FORWARD IN YOUR TIME OF NEED. ASK ONE OF THEM FOR HELP. I KNOW FOLKS THAT HAVE BEGGED FOR HELP AND GOT NONE, AFTER LOSING THEIR JOB, LOST THEIR CAR, HOME, AND ARE NOW IN THE COUNTY HOME. “THAT’S ALL FOLKS”
By JBigga, May 26, 2011 @ 11:45 pm
I have a good Dave story. I was listening to his radio show and some kid in high school had saved a few thousand, was planning on going to college, and wanted to know if pre-paying for college credits was a good idea. He told him NO, that should put it in a “good growth stock mutual fund” because his ROI would be much better. College tuition goes up 6-10% per year, virtually guaranteed. By the way, this was in 2007, so the kid probably lost 30-50% of his value by taking Dave’s advice.
By Funny, June 3, 2011 @ 5:09 pm
I find it funny that a person with a blog claiming all of these “mainstream” people are giving bad money advice and then is corrected multiple times in the comments area. You are now the one giving bad (incorrect is a more appropriate term) money advice then right? Now that I think about it, you are doing exactly what Dave Ramsey does….he gets people to THINK about their finances! At least he does it in a positive manner.
By Jimmy John, June 5, 2011 @ 6:32 am
Great thought By Funny!
By HaHa, June 7, 2011 @ 12:28 am
Hmm… Let’s see:
Francis X. Curmudgeon is the alter ego of a bitterly unemployed hedge fund manager in the suburbs of Boston, Massachusetts.
Dave Ramsey is a millionare twice over.
I wonder who I’m more inclined to listen to.
By Vanessa, June 7, 2011 @ 11:44 am
It doesn’t seem like anyone has ever listened to his show. When someone does ask about insurance or investing he always gives a disclaimer that this is what HE did/does and to call a local service provider who is an expert in that area.
By x1134x, June 10, 2011 @ 7:11 pm
Its really not difficult even for a neophyte to understand that dave’s advice doesn’t get you the absolute best possible outcome every time, and in fact it doesn’t even try. The idea is that it gets you a better outcome than is possible with your current habits.
You can create a massive hole in his theories right off the bat with the debt snowball. If a person has 2 debts one 10,000 at 24% and another 9,999 at 5% his advice is to pay the 9,999 first which isn’t the best method. There you go! poof! a hypothetical that blows him out of the water.
I find the amusing part of your article to be that you’re bummed out that your trolling for arguments got few bites.
By Lily, June 13, 2011 @ 1:26 am
I am one of those complete amateurs at money. I know enough to save and not to spend more than I make. I have a credit card, but I refuse to spend more on it than I can pay off in a single month, and am considered a “deadbeat” by the industry as a result. I also have some savings and some traditional IRAs.
Yet, I actually like Dave Ramsey as a motivator. Most of what he says about getting out of debt is common sense but listening to his show is like listening to the Rocky theme music (the original Rocky, before Stallone became insufferable). You just feel like getting into the ring and knocking out your finances.
But, as you have pointed out, his investment advice is mostly limited to ” get mutual funds” and to max out the 401K/IRA. There’s not much substance or finesse beyond that. However, the fact that people rely on radio personalities like Ramsey for investment advice demonstrates a real lack in your own skills as a financial type. Most finance people simply can’t communicate with the unwashed masses. You start with the technicalities, people’s eyes glaze over, and they go back to Ramsey who doesn’t make them feel stupid.
Instead of bitching about Ramsey and his faults, why don’t you learn how to package what you know and make it more user friendly to those of us who are amateurs at investing? Getting lost in the percentages and arguments over tax rates means you lose the very audience that Ramsey attracts.
If Ramsey is making millions, you guys have only yourselves to blame. Take it as a challenge. You could take me on, for example. If you can explain investing to me, you can explain it to anyone.
Cheers,
Lil
By Jay, June 15, 2011 @ 9:00 am
Dave’s plan works…ask the thousands who have done it. I like the hypothetical offered byx1134x…the best hypothetical was offered by Lil! Don’t spend more than you make!!! If hypothetically everyone (and the government) follwed this, Dave Ramsey would never have been heard of.
By Anna, June 16, 2011 @ 11:24 am
Oh me oh my! I had no idea Dave was giving such horrible, pathetic, advice! Thank you! I live very close to his office & had recommended his books to people in the past just assuming they were fine & he knew what he was talking about! Financial Peace, it sounded good to me! Wow! Your truths have given me a migraine! I just had to stop reading! My husband has a JD, is a CPA, and has an LLM from Georgetown in Tax Law! I just couldn’t stand the pathetic tax advice! Is he non profit? Wouldn’t mind volunteering for a free on air ask an expert day to give these folks some real tax laws & advice!
By JJ3, June 24, 2011 @ 10:24 am
I’m not an “expert” with money or the markets, investments, et al. I am working on my masters degree in another field of expertise, so I do know what it takes to truly master a subject and to know it inside and out. I like Ramsey and he has helped us out and I see no fallacy in any of his advice thus far.
He makes it easy for money laypeople (such as myself) to understand many concepts that I usually would not attempt to study on my own. Say what you will, but I like him and what he has done for many, many people across the nation.
By Jim M, July 2, 2011 @ 2:50 pm
I am not suprised that Ramsey is giving bad advice.
I am surprised that so many people are helping him get rich because of their ignorance.
By Rough Rider, July 3, 2011 @ 6:53 pm
To those of you referring to Mr. Ramsey as an idiot or a joke (real classy folks, by the way), how many of you are self-made millionaires? He is, a couple of times.
By Rough Rider, July 3, 2011 @ 8:43 pm
Where does all this hate come from? Thats an easy one. Jealousy.
By Nashville Girl, July 4, 2011 @ 11:09 am
I cannot understand why people listen to Dave either. He is rude, patronizing and lacks common courtesy. On top of all that, I know the man personally and he is so incredibly two-faced it makes me want to vomit. And please, for the sake of all Jesus followers everywhere, quit standing on your “christian” values. You are fake and people like you is what turns others away from the church.
By Rough Rider, July 4, 2011 @ 11:54 pm
Dear nashville girl, we stand on our Christian values because that’s what its all about . As Jesus Christ said, we build our house on a rock.
By Craig, July 7, 2011 @ 6:33 pm
He just seems so 2000′s, like the GM Hummer and pro-war Christians. Right down to the bald head, black t-shirt, and goatee. Oh well.
By Vicki, July 10, 2011 @ 11:48 pm
Still not convinced and I side with Dave. Regarding the first point, If you bring in no income at retirement you have a lower tax rate than when you are working. Therefore, your taxes should be at a lower rate at retirement with a traditional IRA. Also, with the 12% AVERAGE return this covers inflation plus some. Traditional IRAs are a good tool for those who make too much to contribute to a Roth. You forgot to mention the income cap of a Roth. Correct me if I’m wrong but Dave also recommends retiring in a portion of your nest egg meaning you may not even have to draw out from your retirement funds, especially if you live on less than you make and are debt free by retirement.
By Jay, July 11, 2011 @ 12:37 pm
Wow! Have any of you ever read his book? Free from the library…It’s very simple to read and understand.
By Jeff, July 12, 2011 @ 2:57 pm
Dave is an effective motivator and pointed me to knowing that I was crazy to have all of that debt. I was CUTTING my earnings potential by soooooooo much.
I was $17,000 in debt when I divorced on a teacher’s salary. Stupid, yes I know. I started Ramsey’s debt snowball, and now I am out with about $11,000 in savings. That is a $28,000 turn around on a teacher’s salary in about a year.
He gave critical advice in a divorce, that let me know, just because you lose the house, you don’t lose the mortgage — what an eye opener. The contract was signed with me, so I am liable, even though, legally, I can no longer live there. This was incredibly valuable to me. The ex refinanced or I was fighting for the house, if I was going to carry the risk.
He talks about how financially devastating 30 year mortgages are. Get a lesser house, pay a 15 year mortgage and keep paying it for 30 years to a mutual fund and it will be worth millions to you — a nice house at 30 years is financially devastating.
Now, I am looking for that mutual fund that averages 12% since the 1930s to plunk money in.
Dave’s message is simple– live beneath your means, save money, make a budget, and you will be rewarded greatly.
By sean, July 12, 2011 @ 11:46 pm
There is a lot of hair spliting here. A few really good critiques of DM too. But at the end of the day DR’s book TTMM is will work if followed, so if you have a better way to do it then do just that.
By sean, July 12, 2011 @ 11:48 pm
here is a lot of hair spliting here. A few really good critiques of DM too. But at the end of the day DR’s book TTMM will work if followed, so if you have a better way to do it then do just that.
By Steve C, July 20, 2011 @ 12:35 pm
The bible preaches against usury…that would prevent people from taking a mortgage or investing (lending).
By Terry, July 21, 2011 @ 1:11 am
After reading all this boring verbage im reagy to buy his cd set for sure just to hear what hes got. Im debt free and set so it cant hurt!
By jay, July 22, 2011 @ 12:40 pm
Terry, go to the library…all free!
By Randall Dias, July 26, 2011 @ 11:53 am
The author of this piece says that Dave Ramsey speaks with authority about things he does not know, and that sometimes he would be of better service to his audience to refer them to the advice of a professional such as a lawyer.
I listen to the Dave Ramsey podcast almost every day. Anyone who actually listens to him knows that he rarely goes a day without telling a caller that they should consult a lawyer or an “ELP” (endorsed local provider) for whatever their particular situation involves. He also very often tells the callers that they should not rely solely on a 40 second answer from a radio talk show host, but should seek additional advice. Besides all of this, his podcasts all contain a disclosure that warns listners to seek the advice of a professional. Based on these facts, I find the criticism of Ramsey without merit.
Secondly, I would say – Ramsey’s basic message of: 1.Live on a Budget. 2. Spend less than you make. 3. Save for the future; to be very “grandmotherly, but sound advise. It certainly won’t hurt you and just might help you… It has helped me.
By Ben Poole, July 29, 2011 @ 10:59 pm
Dave Ramsey presents a mindset. I started listening to Dave Ramsey at age 18. This is a very critical time for financial decisions as many of you know. Thanks to the mindset that Dave Ramsey led me into I now have graduated college with no debt, and have put my self in the position to open and operate a successful pressure washing business. I have and will continue to buy everything “paid in full”. This concept opens up an entire different mindset. I buy deals… I pay cash… My competition buys from an over priced middle man car lot… they finance… they are in the hole another $3,000 immediately because of interest. Good luck keeping up with me in about 2 years when your customers are expected to eat your bad decisions.
Thanks Dave Ramsey! You the man! This blogger is a joke… Case in point… Dave Ramsey is a millionaire… this guy is broke with a good credit score.
By John, July 30, 2011 @ 3:28 pm
The real problem I have with Dave is that he has a platform to do real good. But instead keeps pushing people to the worst of the worst ideas in banking/investing. The best way I have learned is best described in “How Privatized Banking Really Works” by Carlos Lara and Dr. Robert Murphy. They take on economics nationally and personally and show how to make all of your income work for you using the Infinite Banking Concept developed by Nelson Nash. It is the best way to get your money working outside of the fractional reserve banking mess and away from the market and away from government control and taxation. I just wish these talking heads would pull their heads out for a minute and think even bigger picture.
By Darrell, August 4, 2011 @ 5:58 pm
Seems to be lot of valid facts using the numbers. Dave Ramsey also states to measure risk and the state of mind and attitude certain actions cause. After all, it is PERSONAL finance. I have hear many speak against Dave Ramsey and what he teaches over the years. However, using his teachings; I have went from bankruptcy to a seven figure nest egg. I will stick with Dave and the common sense approach.
By John, August 4, 2011 @ 7:09 pm
I loved the post above by someone who actually said they are just going to look for a MF that shows 12% gains. That’s awesome. Watch the news lately?
If you find it then let me know because that sure would make “buy term, invest the rest” a little more feasible. No one could actually be so disciplined they would follow that for 40 years straight, but good thought. This is the problem with DR and blindly offering advise to the masses when each and all of us are very different financially. Dave is great for debt consolidation, that’s it. He is great for lower income people who can’t follow a budget and control their spending. If you can do the above or get to that point you all will outgrow DR, maybe always have a special piece of your heart for him, but you will never take his advise again on insurance and investments.
Out of all the comments I read I really saw none that defended his thoughts on buying term or investing. Those who like him just say he is a Christina, he is nice, he helped them get out of debt, he told them to do a 15 year mortgage. So take him for what he is. After researching for months whole life and term life, there are a ridiculous more # of positives than negatives despite my horrible, horrible agent, who made a grand or two educating me for endless hours on the 2 options and allowing me to comfortably make the easy choice of traditional whole life. The guy who sold me my car, my real estate girl, and the guy I re-financed with all made more and I am a-ok with that. I am happy with my house, car, and WL policy. Now I actually have peace of mind knowing I will pass one day with a permanent tax-free death benefit, not have to become self-insured and stress every day of my life over that, actually spend my retirement savings in retirement, and not leave my family choking for air when I die and they have nothing left from my 401K and still have estate taxes, death expenses, etc. Mark my words, those on this chain that have been approved for, got a good rating, and started WL…you will be more grateful than you can possibly imagine when you are in your 60′s, 70′s, 80′s, made your last contribution to it when you were 65, all term options expired, and that CV & DB just keep on growing every year til your gone.
So keep slangin’ that term insurance & ZANDER INSURANCE (BUY ZANDER TERM INSURANCE, SUBLIMINAL, SUBLIMINAL) and best of luck to us all!
By Heather, August 5, 2011 @ 2:38 am
Very interesting feedback. Obviously not written by people who actually listen to what Dave says.
Last CD I listed to was about Mutual Funds. Dave very specifically says “Never, ever do something because I tell you. Never, ever do something because anyone tells you. YOU gather information from financial teachers and YOU make a decision based on the information that YOU gather” Pretty clear to me. Dave’s advice: gather info and make an informed decision. Critics are quick to jump to conclusions, but the reality is that this man has become a millionaire twice in his lifetime so someting he is doing must be working. Get out of debt first, build wealth second. Simple advice, but the most logical there is. Acting too sophisiticated with your investing is trouble. Diversify, diversify, diversify. If you have listened to Dave in entirity, you would have heard such things.
Finally, when taking a few quotes out of context and posting them to criticize tells this reader that the author is the one who is clueless…. Ramsey started his show after he wrote his first book to try to get his message out. This is very clear, go through the teachings in their entirity. Taking any statement to criticize, and being out of context is an easy target for haters and not a wise way to try to prove a point………………
By Walling Sullivan, August 9, 2011 @ 2:13 am
My husband decided we should take this course at his church. I am a former Consumer Education high school teacher. Ramsey’s whole style of teaching is very poor, with a lack of more in-depth information that is needed. It is a beginners’ course, I taught most of the things he is teaching in my classes, required by Illinois law. I think it behooves people to think for themselves and double-check what is being taught in the sessions. There are many approaches to getting out of debt. As was said in an earlier post, there is no panacea for getting out of debt. Each person’s situation is different and needs a plan that reflects individual needs.
I found it refreshing to find this blog and see that people are taking a close look at what he teaches. Some of it is good, but very basic. He gives no information on how to sit down and make a budget, at least in the DVD’s. Some people will even need a counselor to help them through the more emotional issues that may have built up over years of financial mismanagement.
Thank you for taking the time to find and explain these examples. Don’t dare open my mouth in the class though. Will research everything very carefully as my husband and I are middle-aged and cannot handle as much investment risk as younger people can.
By MikeH, August 12, 2011 @ 11:23 am
First, I like Dave Ramsay and believe he does much good. However, I’ve heard him given some questionable advice, and his position that anyone purchasing physical gold is a “moron” is flawed. Dave regularly has stated that gold has no long term track record and is just a shiny metal, etc.
First, the gold price in 1933 was $26.33 per oz. The price of gold in 2010 was $1,224.53 per oz. That’s an average compounded ROR over 77 years of 5.11%. It isn’t 10%, but it sure isn’t zero or the “2%” historic returns Dave touts. From 1969 to 2009 ($972.35, ignoring the last two year’s tremendous spurts), it averaged 6.52% after being allowed to float freely. Clearly, as it pushed to almost $1,800 an oz., it is doing better than 7% over the last 42 years, a sensible retirement planning horizon for most.
The fact is, contrary to what Dave R. says and lambastes callers for their stupidity on the subject, WEALTHY PEOPLE ARE BUYING GOLD. Central Banks are buying gold like crazy. If it is just a shiny metal with no inherent value, why do the banks want to own it and why are they stockpiling?? Perhaps because THEY are concerned about the economy too??
Dave is the great debt hater, but in the US, fiscal policy is doing things that devalue the dollar with runaway debt. By definition, inflation is an increase in the money supply (Fed Reserve has been printing a lot of it…). Gold holds its own quite well in inflationary periods.
Someone with wealth putting 10% to 15% of their assets into a non correlated hard asset classes doesn’t make them a moron. It makes them prudent, realizing that the good old American dollar isn’t what it used to be.
Sorry Dave, you don’t have your facts right on this.
By Mel, August 15, 2011 @ 10:48 am
I listen to Dave Ramsey and I follow some but not all of his advice. His plan is quite remarkable just to start off with to clean up some of your mess. Dave has admitted many times on his show he is no expert in some areas and he will tell his callers who they should contact for better advice on investing. He usually just gives examples. Now I noticed you interpreted his SNP to a S&P. I think before you go posting he is wrong maybe you should call him and ask when he really means before posting he is wrong. SNP just went from an AAA rating to a AA rating so hmmm could he be correct and you are wrong? Standard & Poor’s (S&P) is a United States-based financial services company. It is a division of The McGraw-Hill Companies that publishes financial research and analysis on stocks and bonds. It is well known for its stock-market indices, the US-based S&P 500, the Australian S&P/ASX 200, the Canadian S&P/TSX, the Italian S&P/MIB and India’s S&P CNX Nifty. The company is one of the Big Three credit-rating agencies, which also include Moody’s Investor Service and Fitch Ratings.[2] Its headquarters are in 55 Water Street in Lower Manhattan, New York City.[3]
No hate here, I lost my job 2 weeks ago and because I listen to and followed Dave ramsey plan I knew my family is financially secure and ok. Not a lot of people can say that or have that. I think because I have the confidence in my financial security it landed me a new job right away. I start in one week making more money than I did at my last employment! In this economy not a lot of people turn down jobs but I did and they called back and asked me why. I gave them my answer and I got what I wanted out of the job and hired from part time to full time. I really wanted the part time spot, they had to talk me into the full time slot and give me offers! How crazy is that!
By bw, August 15, 2011 @ 2:05 pm
This guy obviously doesn’t know anything about bureau scores. I work for three automobile dealerships and there are zero fico scores. People that have perfectly paid car loans and no debt and no open revolving credit lines have zero fico scores. I see every month.
By David, August 17, 2011 @ 12:45 pm
I’m a single man in my 50s who’s been unemployed for 11 months and flat broke, save for a paltry weekly unemployment check from the state of Missouri and a part-time job. Middle-aged and experienced means a death warrant in today’s economy. If it was not for my elderly mother’s help (in her 80s), I’d lost my modest 2 bedroom home, and my 2 beloved dogs, months ago. My only debt, besides my mortgage, is a hefty home equity loan and a smaller debt consolidation loan, both at low interest rates. So, I agreed to enroll in Ramsey’s 13 week FPU offered at my Eastern Orthodox Church parrish. Kind of an intervention (LOL) from my mother.
Granted, paying off debt asap, and staying out of debt, makes sense. But, I was doing that on my own well in advance to being “down sized” 11 months ago, and long before I ever heard of FPU. I threw whatever extra $ I could each month at my debt, and actually paid down and cleared up several things. No help from Ramsy on this, just common sense and reasoning.
I was very turned off by the following:
1.Ramsey’s “preachy” evangelical christian bible thumping.
2.Ramsey’s condescending attitude and tone.
3.Ramsey seems to attract half-wits.
4.Ramsey’s championing the so called plight of single mothers.
5.Ramsey’s annoying voice and demeanor.
6. Putting your life on hold while doing Ramsey’s 12 step type program. Ok, I’m a middle age man, and I manage my weight, health, and appearance, but I do enjoy the simple pleasures in life (example: occasional dinner at a nice restaurant, good wine, occasional good cigar, movies, and my dogs). This does not mean I go out and rack up more debt, I just want to have some simple pleasures in life at my age and not live like a 20 year old college kid!
FPU is 13 weeks of my life I’ll never get back. I threw away his books and materials after the class was done. I will continue to pay off and stay out of debt when I get employed again, hopefully sooner than later, and hopefully, even remotely near my former salary. My sister and I are heirs to my mother’s estate, so not to be crass, but maybe a windfall inheritance at some point will get me out of debt and stay that way.
By greatfulheart, August 18, 2011 @ 6:28 pm
Dave sure isn’t perfect about everything. No one is!!!! I spent the best $100 by going to his classes. Many people are smart with their money, but many are doing themselves a disservice by spending more than they make. Those that are the wealthiest are those that are at peace with God, and have found a purpose with their life being able to serve others, no matter how financially successful they are.
We are debt free and know that everything we own is from the Lord, so we want to be good stewards of what He has given us.
Like Dave says, “there is only one way to financial peace, and that is to walk daily with the Prince of Peace, Christ Jesus.
He will always be with those who believe in Him and trust Him.
Once you do have a personal relationship with the Lord, you will have the greatest reward…eternal like in heaven.
By moneyisnoteverything, August 22, 2011 @ 9:52 am
Check out is podcast ratings, etc. I’m pretty sure he’s not concerned about a random internet blogger
Truth is his approach is simplistic and he knows that, embraces it, and shouts it from the rooftops. If you know ANYTHING about Dave Ramsey he makes no bones about that. If you don’t like him, don’t listen to him.
By SR, August 25, 2011 @ 9:43 am
Ramsey is for the 90% of Americans that failed to take on their financial responsibility and are stuck in middle class or less. He has never made his money off of financial experts and he is well aware that some of his theories do not make financial sense exactly…ignoring interest rates and paying off smallest debt to largest is proof of that.
He also always Recommends just working with your spouse towards a goal together. Even if you both alter his path a little bit.
Debt is a major barrier to building wealth and once you are debt free I would recommend investing how you see fit not someone on a radio show. So to financially responsible people Dave seems foolish….to the people that have found his show and changed their lives because of it…Dave is far from foolish. Considering the guy has made millions preaching common sense..over all I would say he is doing a great thing for people…there are certainly more people who need his help than those that should be criticizing his advice…
By Mrs Ramsey, August 26, 2011 @ 3:07 pm
Dave Rocks!
By Food4Thought, August 29, 2011 @ 4:12 pm
What’s the end goal? Ramsey’s end goal is to be debt free. My end goal is to be financially secure.
By Angel, September 3, 2011 @ 5:53 pm
Dave Ramsey for President !!!! Go
By d, September 5, 2011 @ 12:31 am
@ “By Food4Thought, August 29, 2011 @ 4:12 pm
What’s the end goal? Ramsey’s end goal is to be debt free. My end goal is to be financially secure.”
The end goal is to be able to KEEP your money by getting out of debt so that you can invest more of it, enjoy more of it and help more people with it.
Dave Ramsey has nothing to else to prove. Neither do those that have taken his advice to completion. (See his 7 Baby Steps to Financial Peace.)
It sure beats the heck out of speculation, being in debt up to your eyeballs and waiting on the government for help.
By d, September 5, 2011 @ 12:35 am
…or waiting for someone to die so that your inheritance can bail you out from a lifetime of bad choices and lame excuses [ala "David"].
By Dan Noecker, September 8, 2011 @ 7:32 am
I have to admit, I have heard your point that “If the tax rate is higher now than in retirement, a traditional will save more money.”
This has always seemed like complete nonsense to me. I will use the numbers from the example ($240,000 contribution, $6 million return). Let’s say my tax bracket NOW is 50%, and in the future, my tax rate is only 25%…
50% of $240,000 is $120,000
25% of $6 MILLION is $1.5 MILLION
Can you please explain to me how paying $1.5 million in taxes is better than paying $120,000?
By wendy, September 10, 2011 @ 10:25 am
While I agree that Dave Ramsey does not have all the answers,I must say his concept is ground breakingg non the less. He’s attempting to teach people financial responsibility. My Grnand Ma would be proud of what I’ve accomplishes since I’ve subscribed to his way of thinking. We need to understand the negative price of instant gratification,buying things we don’t need and on credit with the inability to pay for them later.
By Mrs Ramsey, September 12, 2011 @ 8:45 am
Right on Wendy!!!!
By JT, September 16, 2011 @ 2:35 am
This site just confirms that finance guys really come across as dorks. Don’t get me wrong, I appreciate knowledgeable dorks who can lend sound advice, but when they try to talk above me and get all prideful it’s a big turnoff. I’m not going to talk to some super smart advisor who tries to first prove he’s smarter than everyone else. You see Dave’s appeal is that he relates to people. You guys sound like the really obnoxious guy I work with who makes it his goal to correct everything others say with his smarter, better information – “Well actually that’s not true. . . .”. It gets old.
Good luck with the blog. It was a good read.
By Stan, September 19, 2011 @ 7:35 pm
…sorry Troops… but I don’t believe anyone who ‘uses’ his Christianity to sell books, bolster his advice, or justify his existance in the World is someone who is truely speaking in an annointed manner….
By soltrovadora, September 24, 2011 @ 12:33 am
Dave, Dave, Dave. Okay – all you educated CPA’s and university attended like people – do you remember your lower level psychology, sociology, organizational behavior classes. Dave is not preaching Greenspan, Buffet or Geithner – he’s preaching Maslow and Jesus.
He is teaching hope. The debt snowball is not about math – he says it a million times – its about feeling good that you got one of those debts closed, behind you. You have hope.
When he is talking about with not having a mortgage, he is talking about meeting the basic fundamentals of Maslow’s hierarchy of needs.
Which of these situations would you rather be in – loosing your job and having a mortgage of 1400 a month you can’t meet and possibly loosing your house. Or loosing your job and having no mortgage and therefore – most likely not loosing your house.
Which gives you more hope, more inner peace.
Lets do a different math
I purchased a car with a payment of 223 dollars a year for 5 years. I rolled that loan over and got a car with an upside down loan and now have a payment of 296 dollars over the next 7 years. I totally screw that up, loose the car – need a car, but I have muffed up my credit so bad now I am paying 364 dollars a month for a car.
No lets say I listened to Dave – and I would have paid off the first car, early and kept it. No matter what bad advice I am getting, it is better then what I was doing in the first place. And even his bad advice will get me further then my bad habits.
So yes – I do believe that you can shoot holes through the advice Dave gives – but most of the people taking his bad advice will have more money then what they ever would have had not trying at all. And they have hope. And they have a home that they will more likely be able to live in and possibly use as part of their retirement plan
By the way – I am far from Christian and I have yet to vote republican. Listening to Dave is like going to an AA meeting when you feel like you are going to take a drink.
Now if you want some real fun, listen to Dave – then listen to Clark Howard after. To FICO or not to FICO. That is the question.
By Robert Kane, September 24, 2011 @ 4:41 pm
I had a full response to all ten items. Dave is absolutely correct on almost every one. Apparently your mailbox is full though. when you clean it up let me know.
By MIWINGMAN, September 26, 2011 @ 5:44 pm
There is another issue with Ramsey’s Roth v. Traditional IRA scenario — in the real world investments do not compound monthly.
You only get from $240K to $6M (actually about $5.9M) if you earn 12% return every month and it is reinvested every month for 40 years. That would require that your investment never have a down month or months.
If you compound every six month you end up after 40 years with $4.3M (at 12%).
The more likely scenario where you compound annually with an 8% average return you end up with about $1.3M.
Ramsey is selling snake oil.
By John Doe, September 27, 2011 @ 11:37 am
Dave is incredible. Don’t be mad that he isnt too good to help real people like you. You are stupid if you don’t like Dave. You are just jealous that you aren’t as cool as he is. Where are your book? When is your next class so I can come here YOU teach? Oh you don’t have one? Looser!
By Scott, September 29, 2011 @ 9:32 am
That was mean John Doe.
@Miwingman – How terrible to think that people who were going to have zero at retirement might end up with 1.3M at retirement instead of 6M.
It’s been my experience talking to DR fans that most of them didn’t do ANY planning before listening to the show. DR stirs up excitement around something that isn’t even slightly exciting. Traditional investment guys have run everyone off with their snobbishness and unwillingness to teach. I tried to get interested in investing once, several years before I heard of DR, but the guy I talked to talked circles around me and I ended up more confused than I was before. I can’t imagine where I would be in my investing now, if that guy had had DR’s enthusiasm and willingness to teach.
Before DR I was in six figure debt, now I am worth more than a million. If you read The Millionaire Next Door – a study of real decamillionaires, you’ll see that their investment ideas line up with what DR teaches.
As for the folks griping about DR just pitching his books/shows. I got out of debt by just listening to the radio show. Once I saw that it worked and had some money built up I bought books for family/friends and dragged them to his shows.
Haters gonna hate I guess. lol.
By Brent, September 29, 2011 @ 5:27 pm
I’ll say this as kindly as possible to all the people on Ramsey’s case. Where are the financial people that can string two words together without putting the rest of us to sleep? I’ve heard people “teach” and they can’t put it on the lower shelf where the rest of us can reach it. They’re financially smart but horrific communicators. Ramsey is somewhat entry level but speaks to people where they live and I know a boatload of family’s building wealth now but were previously fiscally confused. Just my honest assessment.
By Mrs Ramsey, September 30, 2011 @ 3:38 pm
Go Brent!!!!
By MarkCPA, October 5, 2011 @ 4:33 pm
I find flaws with both the aurther and Ramsey.
Short answer is there no one fits all plan.
There are some good practices (habits) that are in general one size fits all.
By Mrs Ramsey, October 6, 2011 @ 12:32 pm
Mark, you da man!
By شات بنات مصر, October 12, 2011 @ 12:18 pm
thanks
I find flaws with both the aurther and Ramsey.
Short answer is there no one fits all plan.
There are some good practices (habits) that are in general one size fits all.
By J. Shelby, October 12, 2011 @ 9:39 pm
I hate to inform you, but you are DEAD wrong there not being such a thing as a “O FICO” score. After decades in the mortgage industry I have seen more 0 scores as 300 scores.
By Jeannine, October 14, 2011 @ 12:23 pm
I’m stunned that this guy gives out advice beyond how to save.
If he gets people interested in financial management so they read more on their own, that’s great. But if all they do is take his advice, they’ll be screwed.
I’m bewildered at how he’s allowed to give out such terrible advice regarding so much. He’s way off on the generalization about the Roth vs the 401k, (though MOST retirees will have lower tax rates in retirement). His statement that mutual funds “always out perform stocks”…is completely wrong. (What the hell does he think index funds are based on?) And most actively managed funds do NOT outperform the indexes…80% lag behind. Read John Bogle’s book on Mutual Funds for actual data about Mutual funds. Or Morningstar’s….I’m Very disappointed in his followers not getting good advice, and him not getting more informed. Makes me a little sick.
By John, October 15, 2011 @ 10:54 am
I think you all assume that Roth IRA’s will still be here in the next 20-30 years, with the way this liberal government has been going and wanting to tax everything I would not be surprised to see ROTH go aways and you end up paying taxes at that rate then instead of paying taxes on it at todays rate. If you ever listened to Dave you would know that he saids ROTH’s can be good if you want to hedge your bet that they will still be around when you retire they way they change the taxes laws.
By zoe, October 26, 2011 @ 5:06 am
In #3, I think he means the turnover rate–how often the managers of the fund buy and sell securities in the fund. The more actively managed funds have higher expenses than the more passively managed ones is probably the distinctions he’s trying to explain, but not doing a great job explaining it I must admit.
By zoe, October 26, 2011 @ 5:12 am
I’m wondering why he’s compounding monthly in the first example. It’s stock, not interest. I saw it done similarly on investopedia by a CFA/CFP. I wonder if that’s the industry practice. It overstates the future value by more than a million as opposed to compunding annually. Anyway, I would compound annually for a growth stock because it’s not likely it will be paying hefty dividends monthly. Another problem with this example is that no sane investor should stay in 100% growth stock all the way to retirement age. Obviously it’s an exmple to wow the person asking the question with the power of compunding, but it seems a little irresponsible.
By dw, October 29, 2011 @ 11:13 am
to kate and all the other people trying to calculate the outcome of a roth vs traditional ira. take $x invest at y return for z years and pay w% tax. then take $x, pay w% tax, invest at y return for z years. the end result is exactly the same exactly the same. The comparison boils down the difference between your personal tax rate and other regulatory factors now and at the time of withdrawal. to compare roth vs trad. ira you don’t need a cpa, financial advisor, broker or dave ramsey you need a crystal ball.
By Megan, November 13, 2011 @ 7:33 pm
Talked to loan consultants and haven’t got a clear answer… If anyone can offer help I’d appreciate it. My husband currently pays $93 a month on a 45k student loan (income-based), that will be dissolved in 10 years (8 years now) since he works for Head Start (makes $12/hour). We recently married and his loan consultant told us to file seperately so keep his loan payment at $93 a month. At an income of 38k and 26k, what is the difference between filing seperately vs. jointly? Trying to determine what’s better over 8 years. Thanks.
By curt, November 18, 2011 @ 4:23 pm
If I would have listen to Dave Ramsey I would not have any money left in my 401k. I would like to know how you can receive 10% on your money in a 401k when you are very limited on your types of investments . Thank goodness I went on a path of my own and was able to retire early and with a comfortable income. I know Dave Ramsey helps a lot of people get out of debt but needs to back off a little on investing .
By jc126, November 28, 2011 @ 8:05 pm
I think John Doe was being facetious.
I love the (serious) comments people make about “well none of you are worth $10M” – and therefore Dave Ramsey is right about everything. He sells books, does seminars, and other self-promotion stuff (repackaging the same info over and over). THAT”s how he made millions, not from just following his simplistic advice.
By Mrs Ramsey, November 30, 2011 @ 2:36 pm
Dave is business man. There is nothing wrong with that if you do not promise something or sell a product that doesn’t work. His products work. There are many people who can prove that. He is motivator that offers a sensible approach to eliminating debt. Yes he sells books (all can be read for free at your local library) and CDs (which are often shared through community and church organizations for free) and runs his own business (just like thousands of people in this country).
So what’s the issue?
By maria, December 2, 2011 @ 12:33 pm
I’m think that u are rude. Dave is just trying to help people get out of debt. In his book he does say that u should get professional advise before u start to invest. I think taking bad about someone that is just trying to help people is wrong. He never said he was an expert on investing.
By Mrs Ramsey, December 2, 2011 @ 4:55 pm
Right on Maria!
By Brad, December 8, 2011 @ 8:00 am
Someone above said “If you follow Ramsey’s plan, you will not be that bad off.” I agree…I have no debt, the house is paid off. lots of money in the emergency fund, and lots in retirement. I’m not that “bad off”.
By Mrs Ramsey, December 8, 2011 @ 1:01 pm
In this economy how can anyone say debt is good? With umemployment and the cost of everything going up isn’t smarter to have more of your income staying home and not going out toward debt? I just can’t understand the mindset of living with debt when all it takes is some personal discipline…regardless whether or not you follow Dave’s plan.
I see so many people in my family and at work who are hurting financially yet even when they see first hand how not having debt benefits people (like me) they still just don’t get it.
If someone gives you a referral to a good mechanic, do you ignore it? If someone gives you a good referral to plumber, do you ignore it? If someone gives you a good referral to doctor, do you ignore it? Especially when the person giving the referral is proof that the service works??? I just don’t get it.
I will refer Dave Ramsey to anyone!
By Raymond, December 12, 2011 @ 9:22 am
For the first time I listen to Dave Ramsey on the radio. I found the show utterly depressing. Especially when the majority of Americans are not making it in this economy. A recent radio commetary on money vs. being broke, and those who are broke are whiners had me reeling. Fact remains people can find jobs to pay their bills. Those who can pay their bills today have to liquidate something. Great financial advice…..Not
By Mentor Millonario/Potencial Millonario, December 12, 2011 @ 10:55 pm
Proverb 39:1
Whoever stubbornly refuses to accept criticism will suddenly be broken beyond repair.
By Mrs Ramsey, December 13, 2011 @ 4:43 pm
Raymond, I do not understand what you mean by “the majority of Americans are not making it in this economy”. Personal finance doesn’t totally rely on bad economic times. If someone who is debt free gets hit with losing their job, they are far better off than having a pile of debt on top of no income.
I get tired of hearing people call in and say they don’t understand where their money goes. People seem to track football statistics very closely but their own money. It’s their decision to do that but when hard times come around don’t blame those who offered the tools to help you before the hard times came.
By Bill, December 17, 2011 @ 12:27 pm
One factor I struggle with is an anomaly not typically mentioned. Many people start their young adult life out with very little in the way of material goods. They likely rent, live with friends, have small places, and little in the way of wealth. A larger portion of their income goes to daily living and they have expenses like college loans to pay back that will be gone in 10 to 20 years without an early payoff. Over time, with experience, raises come along, better jobs, marriage, all of these things can improve wealth. Many, without much budgeting, find they make much more in their 40’s than in their 20’s. Retirement plans grow, equity in homes, and they have opportunities to take advantages of lump sums (inheritance, early retirement for those in 20 year professions). A larger portion of retired people pay off their homes than young earners. This is the result of accumulated wealth.
This fact alone has a lot to do with getting out of debt. Unless you were like the early Dave (addicted to leverage like a crack addict), it’s really no wonder he went broke. Who really borrows likes that and thinks it’s a sustainable plan? I think the credit card companies really burned him and he has been trying to get them back every since.
By Mrs Ramsey, December 19, 2011 @ 10:09 am
Bill, you are exactly right. The only way to gain wealth is to invest or save. If a majority of your income goes to pay off debt each month you have less to invest or save, thus a much lower gain in wealth. I had a friend in school that went to work on a construction crew for two years immediately after graduating high school. He saved his money and paid for an engineering degree in cash. He started his career debt free. That option is never discussed.
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By Connie R, December 25, 2011 @ 4:47 am
I just want to say that at 44 years of age I decided 15 months ago to give Daves “plan” a chance because nothing else I tried to that point had worked. 13 months into the plan I paid off my last debt! (a total of 78,000) His seven “baby steps” are very clearly described on his website which BTW is FREE. I didn’t spend a dime for his advice and for the first time in my life I am free of debt. It worked for me. THANKS DAVE!!!
By jimmy, December 28, 2011 @ 11:02 am
I here a lot of complaints while reading these comments but no one has offered any other suggestions, books, or references to better educate ourselves and help get people out of debt.
I’m new to Dave Ramsey and was suggested by someone I met but if people believe he is so wrong why not help out rather than call him out?
By jimmy, December 28, 2011 @ 11:03 am
sorry spelled *hear wrong
By Mrs Ramsey, December 28, 2011 @ 12:08 pm
daveramsey.com brother….daveramsey.com
By Bill, December 29, 2011 @ 12:40 am
Read The Millionaire Next Door
By George G, December 29, 2011 @ 12:38 pm
Say what you will about Dave’s financial advice but people from all incomes can benefit from his advice. We were earning >$200K per year, but had a 2nd mortgage, car payment, and student loans for kids. We weren’t hurting by any means but we didn’t know where the money went every month. Followed Dave’s advice, 18 months later, out of debt except for 1st mortgage and it will be gone in 12 months.
Granted he may not know the fine points of investing, but he does know investing. He has helped tens of thousands of people get out of debt and get a life. How many other financial experts can say that?
By Jamie, December 29, 2011 @ 2:48 pm
As most of the world is oblivious to financial dealings and the number of Bankruptcies in America is at an all time high, I think you fail to respect the fact that his information on getting people to take responsibility for their own actions is top notch! Who cares about the investments, etc when most people can’t stop using their credit cards or living paycheck to paycheck…..he confronts people head on and tells them to live like no one else so later they can live like no one else. And, you know what? IT MAKES PERFECT SENSE!!! Maybe it’s common to you but just look at our society….it’s NOT common to them! Dave Ramsey tells people it’s nothing new but it works!!! How about giving the guy some credit. I don’t see anyone else doing a better job, personally speaking.
By Mrs Ramsey, December 30, 2011 @ 9:11 am
Jamie is right! When was the last time you heard anyone say “live within your means”? NEVER! Our society demands that you have the newest product, the newest car or the newest whatever, but when someone like Dave says stop buying stuff you can’t afford everyone seems to get upset about it. In the early 1900′s a mortgage term was about 9 years. You know why? Because people felt it was wrong to be in debt. Then the banks offered a 15 year mortgage and then a 20 year mortgage and then a 30 year mortgage. Why? Because they make more money.
It’s pretty simple really. Live within your means and the money you DO NOT send to debtors each month can be invested and saved. It doesn’t take a rocket scientist or a blogger to figure that one out. And here is another reason, if the bank calls in all of your loans on your car, mortgage, 2nd mortgage or motorcycle…can you pay it or will you have to surrender them to the bank? I own my cars and I will own my house within the next two months. The bank can’t take them away.
By The Average Financial Goober, January 1, 2012 @ 1:17 pm
I didn’t read all of the comments. But I did read a lot of them. I’d say > 70%. I’ve read most of Dave’s book “The Total Money Makeover” up to the investing part because I’m not there yet. I’ve seen a few of his DVD’s. I have his Audio CD’s as a FPU enrolled member. I didn’t start yet. But I guess that makes me a cool-aid drinker. I am what Dave calls a financial Goober. When I was single, I could out-earn my stupidity. Now I’m married with children. Off went the hot rod, Harley, and boat. I now have to actually “Manage” my PF.
What I find amazing is that the bulk of the critics are taking Dave’s words & text out of context.
I’ll take the low hanging fruit as an example being a goober as I am. With the way a FICO score is determined, If you have no debt or revolving accounts for >10 years you will not have a FICO score, There isn’t enough data in the system to calculate it. Does that mean it will be Zero, Well I’m not sure to be honest. I’ll let you know in about 12 years. But I’m sure will not be 300 as you claim. And I know the bottom of the scale is 300. Dave uses the number Zero for the emotional effect.
Here is some advice for free. How about you attend the FPU classes then comment. Then you’ll get the full context of his words and you can write a better article/ critique. A lot of what he said isn’t meant to be taken literal as you are. It’s said to generate an emotion. The emotion often is anger. Looks like it worked, you just weren’t astute enough to figure out the difference and take it for what it is. . In short, I’m a Network Analyst and focus on Microsoft systems. I don’t read Apple’s website and start a blog of all the things Apple got wrong about computing. I’m not qualified to write that blog.
And the posts about Dave acting arrogant, well, yes, but again that’s by design. He wants you to get mad enough to change your way of thinking. His investing advice is simple, Keep it simple stupid. That’s why he preaches 15% of your income invested in 401K and Roth and don’t make it overly complex. If you can’t teach a group of 7th graders about an investment, you have no business putting your money there. I think that’s good advice.
If you over-think your investments, you’re going to lose. I see my co-workers at work staring at their Ameri-trade screens all day long while working crying because they are losing money. Stop it. I’d also like to know any many of the critics are self-made Multi-millionaires debt-free.
In addition to Dave’s advice, he preaches Immersion. But you wouldn’t know that either less you’ve done more than “looked and DR’s site and flamed on this blog”. Dave “Preaches” you to read additional material such as “The Millionaire next door” ”The Millionaire Mind”, etc. He “Preaches” you to get involved with your PF life. Turn the TV off, return it to Rent-A-Center and get a clue. I’m a little confused as to why this is bad advice.
I’ll close with a challenge. Rather than flame on this blog, teach me, the average PF goober a better way. Anyone, anyone, Bueller
By Dale, January 3, 2012 @ 5:23 pm
To @Dan from September 8, 2011. I know this response is kind of late and that I’ll come across as some boring numbers guy, but I’ll give it a shot anyway.
You ask (roughly): “How can a traditional IRA beat a Roth IRA if your current tax rate (50%) is higher than it is in retirement (25%)?”
The assumption is $500/month into a Roth IRA for 40 years at 12% (compounded monthly) return. While I’d like to get half of that over 40 years, we’ll stick with that.
However, to get to $500 in a Roth with a 50% tax rate, you would need to earn $1,000 to contribute $500. Under a Traditional IRA, you will be paying taxes upon withdrawl, so you actually have $1,000 to invest (comparable to the Roth $500). Simple math is that $1,000 is 2.0 times $500 and you would end up with $12.0M dollars at the same 12% compounded rate after 40 years (again, I wish). Upon withdrawl at 25%, you now have $9.0M, which is better than $6.0M. If the tax rates are the same while you worked and during retirement, it doesn’t matter which IRA you picked.
What Dave apparently said (again, paraphraing), is that if you put the same amount of money into a Roth IRA as a Traditional IRA, you will end up with more money under the Roth. While that may be technically true, it is misleading because it ignores the initial taxes you need to pay on the Roth. Hope that helps.
By Mr. Anderson, January 10, 2012 @ 3:58 pm
I read about half the comments and figured I would throw in as well. I didn’t see anyone mention one of Dave’s most common mantras to people that inherit money. He always tells them to take all of it and pay off their mortgage. This seems like really, really bad advice because it is such a generalization. Things to consider:
Is the home you are about to buy outright declining in value? Mine is. I don’t want to really own it.
What state are thay in (physically)? Will the person lose their property tax deductions if they pay off the house? What will that cost?
What state are they in financially? If they are living month-to-month without a nest egg, why sink money into a home that is really nothing more than a financial burden that’s hard to liquidate?
How old are they? Near retirement? In their dream home or just paying a mortgage because the school district is good?
How about they take that money, get debt free apart from the mortgage and then either get their mortgage rate down as low as possible (refinance) or use the windfall to relocate to a safer neighborhood where the home may appreciate versus depreciate.
I would rather have cash in the bank and a mortgage I can walk away from in hard times than zero cash, maybe extended unemployment, but a paid-for house that is still a maintenance problem waiting to happen (as all houses are). In fact, were we to generalize, my general consensus would be to NEVER dump money into a home unless you are very, very sure it will appreciate in value. As we’ve seen all too recently, real estate can crash harder than the listeners’ of Dave’s retirement accounts.
By Mo Ment Um, January 10, 2012 @ 8:51 pm
Seriously Frankie. I came across this site and was not surprised after reading many of your posts how negative you are about nearly everything and how appropriately you have named yourself.
The Dictionary defines you as “a crusty, ill-tempered, and usually old man.” Hopefully you are old enough not to bother too many people any further with your negativity.
Synonyms for curmudgeon are bear, bellyacher, complainer, crab, crank, croaker, crosspatch, grouch, fusser, griper, grouser, growler, grumbler, grump, murmurer, mutterer, sourpuss, whiner.
Not the type of person I want to listen to or read. I won’t be back, you old curmudgeon!!
By Mrs Ramsey, January 12, 2012 @ 3:57 pm
Mr Anderson,
I do see your points about paying off a mortgage with an inheritance. Dave has said time and time again your individual situation at the time dictates what you should do.
If you are debt free and that should happen, why wouldn’t you want to pay off your mortgage? The monthly mortgage is more of a burden than home repairs I would think. I understand the issue you have concerning if your home is under water. Unfortunately if you keep paying the mortgage the bank will keep expecting you to. My sister-in-law is in the same boat. She owes more than what her home is worth, but if she ditches it then she has credit issues down the road. The option she is persuing is trying to pay it down quickly and then sell it and hopefully break even. I know that really stinks but unless the banks start offering people to option the refi or renegoitate the loan for the actual value of the house that is the only of the only few options.
I have been debt free for almost three years now, except my mortgage. I can assure you if I received an inheritance that would pay off my home I certainly would. I would then put that mortgage money in the bank or invest it.
By David, January 12, 2012 @ 4:26 pm
I appreciate all the information provided in this blog. I have personally worked the Dave Ramsey plan and realize it isn’t perfect. It is however much better than any other plan I have tried in my 50 years. He helped me to devise a plan that actually works.
By Roth vs. Traditional IRA, January 14, 2012 @ 4:29 am
You guys are running the numbers but fail to see that taxes increase in retirement when you have a drawing of 6 million or 9 million or 12 million…its more than you have now!
By G52, January 14, 2012 @ 10:27 pm
On your first point, you are astonishingly wrong. The tax savings would not be the same. The 401k is the government allowing you to defer taxes and accumulate growth on those funds that you would have sent to the IRS this year. In the example, if you had 240,000 in contributions over time that grew to 6 mil by retirement in your 401k, you have required minimum distributions and you will pay taxes on the 6mil. With the Roth IRA, you pay taxes on the 240,000!!! Only the 240,000!!! This is a MASSIVE difference. The only way you could be right is if the investments had 0 dividends or capital appreciation over 40 years, which has NEVER happened. Additionally, it is foolish to presume that taxes will be lower later than they are now. You might want to look up our national debt and try to come up with anyscenario that does not include higher taxes in the future. Based on your MASSIVE errors in understanding and analysis, I did not dignify the rest of your “article” with a read, much less a response from this CPA.
By Mrs Ramsey, January 17, 2012 @ 9:26 am
Right On G52!
By Jack, January 17, 2012 @ 10:32 pm
“Some people, however, believe you should start with the debt that has the highest interest rate. Mathematically, that makes sense. Behaviorally, it’s a bad idea.”
Taken directly off of DR’s website. His methods are not for advanced financial applications, nor does he advertise them as so. Dave is speaking to the masses of Americans, who are in fact in a ton of debt just as we are as a nation. If he doesn’t appeal to you, fine, but there is no reason to bash the guy. He specifically states if there is a better mathematical way of doing things, but suggest a better solution tailored specifically for his target audience. Point simple, the man is a great business mind, has sound financial advice, and if it isn’t suited to your liking…..DON’T LISTEN!!
I don’t act or follow every thing DR says, but you have to admit that it is better than listening to most of the other crap on the radio. Take in every bit of knowledge you can, process it, then take in more and make your own damn decisions!!!!
By Sarah, January 19, 2012 @ 10:43 am
I have no idea about how investing and IRA’s or any of this works but I took on look at the website and immediately felt something wasn’t right. First is that you have to pay for these classes then the materials then on top of that you ate expected to pay for all the tools on the website. My initial thought was I am trying to get out of debt but by the looks of it by following him I will be spending $100′s just to start. I’m going to save mOney by spending money. Yes everyone deserves to get paid for their work but the whole thought makes no sense to me. Then when I entered our monthly income in I realized there would be no way we could cover our utilities on what he calculated was an appropriate amount. Utilities are something we haven’t real control over. But what he assigned for utilities wouldn’t even cover our electric bill for the month. I am glad to find this website to only reinforce my thought that his website is a bad idea and to look elsewhere for financial Planning advice.
By Kay Miller, January 19, 2012 @ 4:58 pm
Just do a better job than Dave Ramsey without the superiority. If you can help as many people as he has more power to you. There is room for both of you in this crazy world.
By Mark, January 24, 2012 @ 10:26 pm
“…But honestly, I was expecting a larger and more hostile reaction than I got, at least as measured by comments and emails. Ramsey has a very large and devoted following, particularly, it seems, in the blogosphere.
At least I thought so. Maybe I was wrong about that. Perhaps Ramsey is well liked but not, ultimately, taken all that seriously.
” A: Here is a more likely scenario: your blog’s purpose in “debunking” what you believe is bad financial advice, ultimately serves little value to the public. It does not tell them what they should be doing but rather roadblocks hundreds of other advisers. Ultimately yours is just another opinion and largely a negative one. Whereas Ramsey, orman and their ilk focus on the Do’s, you’re all about the Don’ts. And nothing but “Don’t” is not a very useful education.
By TheBaron, January 25, 2012 @ 3:03 pm
Thanks to Dave I experienced a financial paradigm shift and was able by the grace of God to pay off $35,000 of debt in about 2 years. Prior to reading his books and listening to his show I wasn’t sure how I would ever get out of debt. Hearing his straight talk and people from across the U.S. scream “We’re Debt Free!” made me believe it was possible. So he his helping to change lives. The one thing I think most listeners disregard is that at the end of each hour his show says “This program is designed to provide accurate and authoritative information with regard to the subject matter that was covered, this information was given with the understanding that neither the host nor this station is engaged in rendering legal accounting or other professional advice, since the details of your situation is fact depended you should additionally seek the services of a competent professional.”
By Mrs Ramsey, January 28, 2012 @ 11:16 pm
Dear Sarah,
Go to the librabry and get his book for free. Read it and take notes. No cost there. That’s what I did.
I will say right up front the first time I heard Dave on the radio I was wondering “What is this guy selling?” After listening to him for a few days on the way home from work I Googled him and found he had quite a large following and 90% of all the information provided about him was positive. So, being in debt, I thought “I will get his book from the library and see what he has to say.” The book was nothing but common sense! Things that I should have been taught but never really was. Live within your means? Are you crazy? Everyone has a car payment…right? Everyone has a monthly credit card bill…right? Everyone has student loan debt…right?
I followed his plan, not the beans and rice thing, and I got out of debt. I tailored his plan to my life. I had two little kids. I sure wasn’t going to deprive them of ice cream and a movie now and then to save a few bucks. So how did I do it? I BUDGETED it in each month while eliminating wasteful spending. My family still ate out, went to the movies, bought whatever we NEEDED (not what we wanted) and in 17 months I paid off 26K in debt.
Now ask me “You have a car payment, credit card payment and a student loan payment each month…don’t you?”
NOPE.
By Z, January 31, 2012 @ 1:14 am
MrZ Ramsey, Thanx, been living check 2 check 4 30 years of paying taxes and have been blessed with the best woman 4 over 25 with NO monthly balances and a pay.as.u.go, “no fronts” life style. As I began, these “Expert’s advice” I was reminded of the kid that eats paste – always one of them … hey, wizards of smart do your thang, get a station and build your show then don’t take out the other guy, but prove “your” way is better … hater. In the mean time, jog out of the front of the zoo screaming, “They’re all loose, run for your lives!”
By dave, January 31, 2012 @ 8:48 pm
I think if we examine anything long enough a idiot can find dirt. I also believe that Dave Ramsey speaks more on family economics and how to make ends meet than he does about how to make money of of the stock market.I know many people who listen to him and none of them say that they his advice is wrong but that it saves them from bankruptcy. You know the working man, the production worker. the people who who laugh at some pencil pushing twit who could not work his way out of a wet paper sack. if you want to talk about stock market go to wall street.
By christine wolf, February 1, 2012 @ 9:42 am
I am taking Dave Ramsey’s class and appreciate his “entry level to finance” approach at least for now. He’s good for beginners and does a darn good job of breaking down a complicated subject into understandable portions. Later on I can always seek out a professional financial advisor and just pray that he’s not a crook. But, for now Dave Ramsey’s class is a good place to start. Let’s give credit where credit is due.
By curt brock, February 6, 2012 @ 3:41 pm
I have listen to dave ramsey for many years. he is constantly Reminding people that he is not an attorney Accountant or tax professional, so i dont think he has a problem trying to retain his image as you suggest. Also how can a traditional ira be the same as roth for tax purposes? In the given example i would have saved taxes on 240k. Lets say i’m primarily taxed at 25% throughout my life. I would save 60k in taxes with a traditional. With a roth i would save 25% of 6 million. Thats 1.5 million?
By JelMD, February 20, 2012 @ 3:03 pm
COuld not agree more – Dave Ramsey a great example of marketing guru. After that LEAVE IT on the shelf. Brillant at marketing- but he is void of one thing, giving Value beyond…
Those that follow him 100% as his EGO would say to do – if the world is PERFECT all well, but in this world an individual to follow his advise at 100% would be in a horrible MESS.
By Joel hartman, February 20, 2012 @ 5:26 pm
For every person who says you have helped them, there are 10,000 who say Ramsey has helped them.
By Farley, February 20, 2012 @ 11:34 pm
I think Dave Ramsey is very wrong on baby step one (put away $1,000 into a savings account). Anyone with a job now should first put away at least 6 mos of expense money into a liquid account and leave it. In this up and down economy, no job is safe and getting another within a month or three is unrealistic. So I think baby step one should be to save 6 mos of expenses. A more conservative approach would be to put away 6 mos. regular expenses (including Cobra health insurance costs for the family) plus $1,000 for any unexpected repairs or doctor visits that may occur. Dave seems to assume that anyone motivated can get a job. He’s wrong about that.
By Crown, February 24, 2012 @ 8:44 am
I haven’t taken the time to pore through all of these comments but I do know this: Dave Ramsey is a Christian and many of his followers are, as well. The Bible tells us that a man is known by his fruit (Matt. 6:17, Luke 6:44) meaning he has demonstrated what he’s teaching in his own life therefore in spite of whether he has all of his investment facts correct, whatever he knows is enough to produce the results and that alone makes him worth listening to. Evil spirits love it when we trash each other as opposed to working together. Your time would be better used PARTNERING with Mr. Ramsey or HELPING him with his facts rather than trying to discredit him.
By John B., February 28, 2012 @ 10:58 pm
He is a fucking idiot!!! I can’t stand this guy he is an arrogant asshole!!
By John B., February 28, 2012 @ 11:03 pm
I am a financial advisor and have been for 23 years. I graduated from Harvard business school and this dusch graduated from Tennessee. He is a complete joke and none of his advise should be taken literally. If you have no money buy term and invest the difference. However if you make over 100K you need to seek out an advisor who actually knows what he’s talking about and not listening to this idiot!!
By Robert Christopher, February 29, 2012 @ 1:02 pm
It’s obvious that you are a smart finance pro but it’s difficult to get past the impression that you have a chip on your shoulder. It’s unfortunate that you seem to be throwing the baby out with the bathwater. The reality is, Dave Ramsey helps a lot of people–most of which have tons of debt and struggle just to get past his first “baby step”. Most of your observations are great and seemingly sound but in others you seem to twist what he’s saying for your own ends. For instance, when he writes “Certificate of deposits are not a secure investment” and then goes on to explain that after inflation and taxes you’ll lose money it seems obvious to me that his point wasn’t about whether the money on deposit was insured by the FDIC. IMO anytime you lose money it’s tough to say your money was “secure”. Of course, if your goal is to criticize it makes sense why you’d point out money in a CD is insured and by definition is “secure”, but again, you’d be missing the point.
By Mrs Ramsey, March 4, 2012 @ 8:43 am
John B…did I miss your radio program with millions of listeners? Did I miss the numerous books you have written over the years helping people with personal finance? Oh, I guess I did miss the part that everyone who graduated from Harvard is nationally known and always right and exceptionally successful. What was your name again?
By Dave's Neighbor, March 4, 2012 @ 11:17 pm
John B…Did your mom teach you that language? Or did you learn it Haaaaaavard? Who is the real idiot here?
By smyrnagal, March 11, 2012 @ 1:08 pm
I could not agree more with your assessment of Dave Ramsey. I watched one episode of his show, where he told a caller that with his $50,000 annual income, his take-home would be $4,000 every month and that it would be a piece of cake to knock down the caller’s debt. That did it for me. Hello?! What about taxes? And he calls himself a mathematician. Imagine that!
By Eliza, March 13, 2012 @ 10:17 pm
The moment I listened to Dave Ramsey’s audiobook, I got hooked up easily. Building up emergency fund, getting out of debt, and building wealth is really a must. I am glad I found his audiobook. I can learn to discipline myself in handling money (27 yrs. old) with his help. Dave Ramsey will not make you rich because that is your job to make yourself rich! Besides there are a lot of motivational speakers around the world, you have to select what suits you the best. You are the one making your own destiny. To our financial freedom! Cheers!
By Ken, March 14, 2012 @ 12:18 am
I agree that Dave’s investing advice or the fact that he admits to being in the 40% tax bracket leaves room to talk. However, I was one of the people who had a decent job for several years and couldn’t account for much of that money. When his radio show became available, I was already at baby step 3. My problem was that if every dollar actually had a name, I’d either have some healthy investments or a paid off mortgage long ago (the gap between living expenses and paycheck). While not perfect, I can give a pretty good account for 2011, including the new 10 year mortgage. P.s., I may never use a “debit” card as long as I live.
By Brian, March 21, 2012 @ 3:26 pm
You need to actually listen to the calls, not the summaries.
#8: A CD is not an investment, it’s a savings account. The widow has income sufficient that she doesn’t need the investments, thus she can absorb some risk, and has no need to put her money in an account that doesn’t keep up with inflation.
I could answer the others for you too, but in reality if you don’t take the time to truly investigate, why should I do your research for you.
By Luisa A., March 26, 2012 @ 5:57 pm
Get your facts straight before you publish them. Also, you should learn to write properly if you want to be taken seriously.
By Marie, March 29, 2012 @ 1:24 pm
Dave Ramsey is a great motivator, but often his financial advice is just too simplistic for someone with more complicated circumstances. I for one am age 35, have a load of student loan debt ($77,000, from law school), but I have not slowed down my 401 K in order to pay it off. I ignore DR on this issue because the 3% interest rate on these federal student loans is dwarfed by the gains of investing in my 401K in this market, and the tax relief I get since I’m in a high income bracket. I also fully funded my emergency fund first, rather than paying off my car or student loans.
I do, however, subscribe to his principles of thrift, find his show to be inspiring and avoid debt. I particularly appreciate his wisdom about spouses communicating on finances and setting a budget.
By KK, March 29, 2012 @ 7:08 pm
Your first couple paragraphs were very telling that you base many of your views on assumption. There are also other factors that could contribute to Dave Ramsey’s followers not crucifying you in the comments:
1) They don’t know who you are
2) They have better things to do with their time
3) They’re too happy to be debt free and financially stable that they refuse to waste any of their energy on your negativity
4) They have tact and aren’t going to virtually assault you
By trilipush, April 1, 2012 @ 7:25 pm
I quit listening to you because you advised listeners to stay away from GOLD! That was just plain stupid! I always bought gold and silver because I looked into the future. Now I have real bartering power. The government is printing paper. Are you happy with you paper?
By Cheese, April 5, 2012 @ 12:47 pm
You’re a complete moron and don’t know what you are talking about.
By JustAThought, April 5, 2012 @ 3:41 pm
I just think that this issue of dave is rediculous other than in the issue of getting out of debt. Which in my book is pretty easy as long as you put some effort into it. Holy Crap, I need to stop spending so much and start paying off my debt and then I can be debt free. Lol. If you didnt already know that then you shouldnt be allowed to touch your own money. After saying that, I dissagree with Dave on the issue of assumptions. You show me something I can put my money into where I can average 12% over 30 years and I will show you a liar. It is possible to make well over 12% in one year, or maybe even 2. Over the course of 20+ years, yeah right. Especially only in growth stocks. THE BEST PORTFOLIO IS A DIVERSIFIED PORTFOLIO. How many people have ever heard this?
Example, traditional vs Roth.
DO BOTH! if you need a deduction then put more into your traditional. Otherwise do a straight 50-50. Or if your like the rest of the world and just want to keep putting into your 401.k only to be paying higher taxes in the future (which is going to happen, we are only 14 trillion dollars in debt), then go for it. It’s just mind blowing to think that everybody has a defferent vision, situation, goal, objective, YET we all read the same info. How can that be helpful when my goals are completely different than yours. Get a financial planner who actually knows that they are talking about.
By Indifferent, April 13, 2012 @ 7:56 pm
Did anyone actually READ the words in #5??
(Copied from above):
For example, take a mutual fund with a 25-year track record. Over the course of those 25 years if you can see that the mutual fund almost always beats the SNP, then that mutual fund contains stocks that are winning more than the overall market is winning.
Third line: ….”IF YOU CAN SEE that the mutual fund almost always beats the SNP, THEN that mutual fund contains stocks that are WINNING MORE than the overall market is winning”
Dave Ramsey never said that mutual funds always beat the SNP, instead he is offering wisdom on analyzing facts: If a mutual fund, over a 25-year period, has consistently beat the SNP, then it is comprised of stocks that are “winning” more often that the SNP index and is probably a good investment.
Why don’t people have a higher level of reading comprehension???
By jerrod, April 16, 2012 @ 1:53 pm
I only read your first two reasons, and I didn’t think it was worth my time to read the rest…. on #1 Dave is absolutely correct, even if the tax rate is outrageous as %20, you would be losing about 48,000 up front, and if it dropped to as little as 1%, you would lose 60,000 on your 6 million when you pulled it out of your 401k. Your logic is terrible…. On #2…. I am fairly sure that dave knows the lowest score is 300, but think about this genius…. When I went to the bank to get my first car loan, I had no credit at all, and was told it was better to have “bad” credit than “no” credit. Pretty sure in every country in the world “no” = “0″… So dave, again, is correct. If you have millions in the bank, and no debt, you have no credit score, or 0…. I’m sure in the several comments here, you have all ready been proven wrong on the points I won’t waste my time with
By Mr. Bojangles, April 19, 2012 @ 3:33 pm
Haters going to hate.
By mrbill, April 20, 2012 @ 4:26 pm
Worst financial advice ever given!!
You have a credit card balance of 12,000 @ 22%
You have a credit card balance of 10,000 @14%
You Have a credit card balance of 8,000 @9%
So pay off the 8,000 !!
Usualyy you can find several gurus giving the same horrific advice but Dave is unique in this one
By Mrs Ramsey, April 22, 2012 @ 10:38 am
Mr Bill…if you have that much in debt to start with, what’s the real difference in paying the 8K first? If you can’t control your spending (which is obvious by this example) then maybe you should try Dave’s plan.
I so love it when people use this example to say Dave is wrong. If paying off the lowest balance first is so bad, then spending yourself into debt is even worse!
Once again….Dave 10….haters 0.
By mrbill, April 23, 2012 @ 11:21 am
Dear Mrs Ramsey
If you take a calculator and do the math the Ramsey method costs thousands of dollars in unnecessary interest. As to the quantity of debt I have never listened to the show where callers did not have far more than this illustration.
Finally I am not a hater. I like the show and am befuddled by why he tarnishes his otherwise good advice with this single bizarre insistence.
By Steve, April 23, 2012 @ 10:25 pm
How sad, I stopped at one because you can’t count. If you put $240k into a Roth IRA, assume 25% taxes, you paid $80K in taxes to get $6M. A traditional IRA you paid your $240k and get $6M, but you have to pay taxes on the $6M, assuming 25%, is $1.5M. If you think $80K and $1.5M are identical, I’ll hand you 80K any day if you give me 1.5M back!
By Franz josef, April 23, 2012 @ 10:33 pm
Anybody that talks a lot is going to get some stuff wrong (Unless they are Jesus). I hear lots of things that I don’t agree with when Dave speaks but I still like to listen and learn things from his show. He makes good points too. Just have to think for yourself. Also your #1 model is based on an assumption that your money will grow if invested, which we have seen over the last 10 years that that isn’t always the case. I prefer to take any tax advantage I can get while I can get it. Whose is to say that when it comes time to pull that money out of the Roth IRA that our Gov’t doesn’t change the rules again. Also the Marriage Penalty Tax sucks and I do believe it’s part of the Gov’t plan to attack the traditional family. But like Dave, I might be wrong.
By Franz josef, April 23, 2012 @ 10:39 pm
I must add too that Dave is SO wrong about which credit debt to pay off first. IN MOST CASES it makes more sense to pay off the highest debt first. The only time it doesn’t is when you need more cash freed up in case of emergency, so in that case you would free up the smallest of the credit loans first. Then knock down the highest interest debt next. Learn from Dave when you can, but don’t worship his advice!
By jim, April 27, 2012 @ 10:42 pm
WOW – what a bunch of arrogant as#wipes you guys are. See ya in 10 year and we’ll see then who’s winning the game and who is still sucking off the gov’t teat
By Mrs Ramsey, April 28, 2012 @ 10:07 pm
Dearest Mr Bill,
You ahve missed the entire point of why Dave recommends this. Yes the calculator will show you can save on interest but what the calculator does not do for you is create motivation.
Dave’s method gives people the opportunity to achieve a goal faster. That in turn allows them to see debt being reduced faster. If you start by attacking the largest the debt first (of say 3) then each month you are still paying down 3 bills. If you attack the smallest first and KILL it sooner, then you have achieved a goal.
Regardless of what the calculator says, motivation is often more important than saving some money on interest especially when it gives a person an attainable goal.
I used the plan and it worked. After I paid my lowest debt first I got even more motivated the pay the next.
If it were all about calculators and exact amounts…then how did the person get into debt in the first place.
May 15th 2012 will be my third year of being debt free. Other than my mortgage I have no credit card payments, student loans or car payments.
I would chance say after three years of not paying interest on debt has PAID OFF SIGNIFICANTLY more than had I paid off my largest debt first.
By Jenifer, April 30, 2012 @ 6:02 pm
I beg to differ on your option of the Roth IRA. It is not taxed the same. You are much better off with a roth. You need to study up on it some more!
By Doug johnson, May 2, 2012 @ 11:05 am
When you have a higher net worth than Dave Ramsey i will listen to your financial advice.
By Diego, May 6, 2012 @ 8:48 am
He is exactly correct on what a hedge fund is. Look up hedge In the dictionary. If applied to finance, Ramsey uses the term hedge fund correctly.
By GINO, May 8, 2012 @ 7:02 pm
I think Ramsey helps those at the desperate end of the financial ladder. However he seems to still pushing the 12% mutual fund for over 30 years that does not seem to exist. None of his minions have admitted his slip of the lip to date.
By David Henderson, May 15, 2012 @ 8:32 am
The reason no one listened to you is because we respect Dave’s advice. I do not understand why you would criticize someone who has helped so many people. If you want to be successful do it on your own, not by criticizing others who are more successful.
By piggyboy, May 30, 2012 @ 11:23 pm
Author – And you’re so smart all you can do is take other people’s hard work and tear it apart. Intelligent readers, huh? Your answers did make much sense to me. Guess I’m too dumb. Go Dave!
By piggyboy, May 30, 2012 @ 11:24 pm
DIDN’t make much sense to me!
By Mrs Ramsey, June 2, 2012 @ 9:06 pm
It is easy to tear apart other people’s success. We see it in the media everyday. No one wants to say Ford and Chevy are awful because they put out bad car now and then. Yes advice is relative to each person, but most of the people on this blog who slam Dave do it because they are victims of their own inability to manage their money.
By Diomedes, June 13, 2012 @ 2:39 pm
in case anyone is curious about a fund that has a lifetime performance of 12% here is one… http://fundresearch.fidelity.com/mutual-funds/summary/316071109
By Laura, June 21, 2012 @ 8:29 pm
I’m proud of successful people, so when I see one I’ll often ask them how they got where they are. You’d be surprised how many of them say Frank Curmudgeon…oh wait no they don’t.
Ramsey’s advice took my family from mid-six figure debt to seven figure wealth. Removing money fights probably saved our marriage and we will seriously retire in comfort. I like the way he gets people out of debt better than the way you don’t.
But hey, maybe you’re great at teaching people how to build wealth, if so… Let’s say I make an ok product and you make the same product, but you make it better, are you going to spend your time trying to get more customers to see how great your product is, or bashing on me for making an ok product?
In short you sound petty and Ramsey no-doubt has many millionaires to his credit. If none of his millions of listeners ever saw any improvement in their financial situation his show would dissolve into nothing. It hasn’t.
By Michael, June 22, 2012 @ 7:10 am
I read your blog because of Dave…
By Derik, July 1, 2012 @ 8:13 pm
I run into Mr. Ramsey quite often. As an independent adviser, it really hurts when I hear “oh, we have Dave Ramsey’s program, he is so wonderful, we don’t need anything else.” The man generally deals in GENERALITIES and drops dead on specifics, and uses absolute terms such as always, never, every, and so on. To use my own absolute, this is bupkis. Every person and family has a unique situation that DESERVES the utmost care. I can tell you right now, if I gave the advice that Mr. Ramsey does, I would be out of a job fairly quickly. Good discussion though all around.
By Derik, July 1, 2012 @ 8:15 pm
Oh and @ Diomedes: Great fund, use it a lot, but man, retiring in 2009 would have been bad news….
By Carol, July 1, 2012 @ 10:50 pm
We are on bs 6 and hope to be on 7 by next summer; just in time for our oldest to go off to college with the other to follow 2 years later. We have some college savings and likely partial scholarships, but will probaby have to have each commute for first 2 years to avoid student loans. Because we changed our spending and savings habits several years ago, we are able to have a paid for home very soon that NO ONE CAN TAKE FROM US and still get the kids a college education, if they want one. Sure we could have come to this on our own, but not likely. Dave gives assurances that it is never too late to do better and it presented simplistically for a reason. If you over-whelm the average listener who has money problems, it is very unlikely they will even try to overcome them. Most would give up and continue to live above their means since that is the easiest thing to do. If the average listener only gets to step 4, they are doing better than the majority of America and Dave Ramsey offers the best advice for getting there of the “experts” I have run across. I cannot give enough praise for his guidance up to this point on our journey.
By Carol, July 1, 2012 @ 11:51 pm
To Mr. Anderson’s comment from 01/10/12: I read your comments and I have a few things to point out. First, when you ask why put your money into paying the house off if it is declining in value; I would like to point out that you have already bought the house. To get out of your financial committment, you would have to allow a foreclosure, possible bankruptcy, etc. and believe it or not, all the folks who have walked away from their homes will have the messy details of the bank’s loss catch up to them eventually. Also, when you commented about the tax write off for property taxes, I got confused b/c you owe property taxes regardless of having a mortgage and unless you make A LOT of money, I don’t think you would lose the benefit of the deduction. Perhaps you meant the amount of the interest being tax deductible. If so, then yes, you “lose” that deduction b/c you never have to pay the interest in the first place. So keep the money in your bank account that would have gone to interest and only pay out your tax rate; it is cheaper. Overall, what Dave brings to the table is to help people who are competely in over their heads. Also he calls out the people who are really just mad that they made a bad purchase choice, they need to suck it up and pay what they agreed. He has certainly helped guide us when it came time to choose a house during a job transfer; we looked beyond to the “what ifs” that could affect us as we approach retirement and bought a modest, conservative house. Calm down and appreciate Dave for the people he helps: those that want to be helped.
By John, July 3, 2012 @ 4:50 pm
Maybe it’s just that nobody cares what you have to say.
By Daryl, July 3, 2012 @ 11:21 pm
You are full of it. I listen to Dave on a daily basis and after just reading 2 of you ten it is redicously obvious that you are taking his words a dressing them up with yours. Do you work for chase or BOA? Or maybe you work for a credit card company?
By Mrs Ramsey, July 8, 2012 @ 9:08 pm
Dave rules! Once again Dave 1,000,000….pundits 0.
By Kevin, July 15, 2012 @ 11:37 am
He approaches financial advice more as a ministry. We have followed his baby steps and have had tremendous success. We have not paid a dime for his advice. I have checked out all his books from the library. Like anything, I’m sure there are other or better ways, but what he does is motivate. Debt is dumb, that is key for us.
By Jack, July 16, 2012 @ 2:50 pm
You can absolutely have no credit score (the same, in theory, as having a credit score of zero).
For example, my kids have no credit score, but they have over $1,000 in the bank.
By Quinn, July 19, 2012 @ 11:14 pm
I’m glad that most of the Dave critics here seem to have it all figured out. Dave did too, when he was in his early 20′s and he went BANKRUPT!! I wish you smarties the best in your financial roulette. Must have been the same arrogance that took us all into a deep recession and just lost Chase $4 Billion! They thought they knew it all too! I’ll stick to the Baby Steps and we’ll meet later to see who’s winning. Thanks to this blog for reminding me that Dave does know best!
By Jay, July 27, 2012 @ 1:05 am
The problem is that your 10 issues with Dave and his advice is flawed. You dont listen to him and know his philosophy. Your nit picking sound bites and paragraphs and not “listening” to the entire way of behavioral thinking. Guess that is probably why Dave actually helps people in hoards with money and you don’t. It is about habits not math. Math doesnt always work even if the numbers do because behavior trumps all.
By Big Steve, August 8, 2012 @ 10:51 am
Wow. Look at what Economics 101 has taught you. Watch out for the next class though. There is more to investing in Mutual Funds and S&P than you seem to understand. Go find your broker. He will give you an earful.
By TerryT, August 10, 2012 @ 10:04 pm
I have been following Dave Ramsey for one year. I have read his book, TTMM, and listen to all 3 hours each day via podcast.
We have paid off a lot of debt and are now on our way to paying off our mortgage.
Your points are well-taken. He is not, nor does he profess to be, an investing guru. He leaves that to the talking heads on CNBC and other channels and radio stations. What he does profess to be is a person that shows you that personal finance is 90% behavior and 10% math.
With regard to his labeling of mutual fund categories as “growth & income…” etc., it was pretty easy for me to figure out what the hell he was talking about. Large, Mid, Small, and Int’l. Wow. That was hard.
Now, using the Lipper 2012 Best Funds, I found at least 5 in each category that meet his criteria – average at least 12% return over 10 years.
Mr. Frank Curmudgeon, I think that you have missed most of what he is trying to help people with. He routinely states that he is not an expert on many matters (legal, accounting, etc.) and advises the callers to seek expert advice. He tells them what he thinks that he would do if he were in a similar situation.
He professes to be an expert on helping people get out of debt. He is not an investment guru – this is likely why he speaks of investing in broad generalities rather than specifics.
He talks frequently about CDs and has never said, in the past one year, that they are not FDIC insured. He does point out that it is a safe place to park money for less than 5 years, though you stand to make almost nothing on it with interest rates where they are now. That implies to me that he likely does believe that they are FDIC insured, by the term “safe”. But I do not remember anyone asking him that specifically.
With regard to the marriage tax, previous people have already pointed out the mistake with that one.
The one about the mortgage interest being a good idea…..wow. You missed this one completely. You are assuming that someone will get 12% return on their money. How about 2008 when everyone lost 20-40%?? So you think that you should have a mortgage so that you can claim $10000 (for ex) and that saves you $2800. So you just blew $7200 in interest that you cannot get back. Wow. That is a wise investment.
I suggest a hedge fund.
I believe that you have taken much of what he has said out of context and need to actually read his book or listen to him for more than one minute.
By Jacob, August 16, 2012 @ 9:26 am
I used Dave Ramsey to get out of over $100k in debt in a couple years. He fundamentally changed the way my wife and I look at money and how to live within our means. My generation (25-35 yr olds) has terrible problems with debt and Dave gives practical advice to tackle that debt and reshape your feelings about money and debt. That being said like any “expert” you don’t have to follow him 100%. I still contributed to my 401k the maximum amount to get a match at work and I bought a house (not in cash and got a 30 yr load instead of 15) while I was paying off debt because the market was so good. Both things, Dave wouldn’t suggest. But overall the main reason financial advisors have problems with him is he says things like “never buy whole life” and that really angers them because that’s where they make their money. I have seen two financial advisors who have both tried to push me into whole life and I’m 27 years old. But anyways, I think you can take principals away from Dave and do very well and even if you follow every single thing he says you’ll still be doing ok. Maybe you’ll have a little less money at retirement because it’s on the conservative side but you’ll retire with your house paid off, no other debt and a decent nest egg. He is so adament about not carrying debt and being out of debt because people have serious problems with debt and with buying into financial vehicles they don’t understand. So he takes an all or nothing approach to keep these people on track and I think the masses overall benefit from that.
By Liberty Stone, August 16, 2012 @ 6:05 pm
I think you are missing the big picture. Whether you follow Dave’s plan or your plan. It is the need for a plan, thinking and dedication/determination that is important. Most people in the US have to much debt and do not understand the importance of investing and using there wealth. You are completely wrong on FICO scores. Wealthy people do not need FICO scores nor do they need loans. That is a lifestyle issue. As to your investment scheme vs. Dave’s no one can guess what will work in the future. What is good is to think and look at all options and follow what the bible says and invest in at least 7 different things. Home, savings, stocks, bonds, commodities, mutuals, stuff, real estate. You get the idea. And as to future taxes no one knows if the feds will change there policies, that is why people should do both and my guess is most people on the ramsey plan invest both. Also, as to 401ks most people get a match which is a 100% return of the bat without growth and without taxes. All I know is the man has solidified my belief that getting out of debt quickly is a good thing. You should never let FICO or taxes wagged the dog.
By KeyLimePie, August 22, 2012 @ 5:04 pm
For Steve on April 23rd, 2012, above: YES, $80K (now) and 1.5 million (later) ARE the same. You forgot about the time value of money. $80K up front is the $125 in taxes you paid before each monthly $500 Roth investment. Had you invested that $125 per month in a 401K instead at 12% for 40 years, you’d have ~ 1.5 million in addition to the 6 million Dave speaks of. You can use an online TIME VALUE OF MONEY CALCULATOR to verify this.
The ONLY advantage to a Roth is if you’ll be in a higher tax bracket at retirement. Tax rates ARE expected to go up; on the other hand many people retire to a lower tax bracket. Those who retire in a higher tax bracket are usually quite comfortable. Thus the Roth versus 401K decision mainly rests on your future projected tax bracket. As a hedge, some people contribute to both.
By KeyLimePie, August 22, 2012 @ 6:12 pm
Also, from 1 above, could somebody ask Dave Ramsey where to find ‘good growth stock mutual funds that average 12%’ for forty years??? That’s just one point below Bernie Madoff’s famously fake returns. The S&P 500 has averaged zero percent over the last 12 years.
By elooie, August 23, 2012 @ 3:06 pm
While I would agree with all your points, I also have a degree in finance and completed the first 2 levels of a CFA. I (we) are not the target audiance for Dave.
The reason I’m even on this blog site is because my mother (54- masters of socialogy) keeps talking about him and I wanted to check it all out for her to make sure his plan wasn’t something crazy. After reading his book last night, my professional advice to my mother and any one else not running their own business or a finance professional, is that his approach is correct. The moral of the story is live within your means and a guide for people to follow so it doesn’t confuse them. Not everyone was trained to manage their finances and his book safe guards against mistakes. As for your argument. I would say in the grand scope of his book, plan and target demographic your complaints are equivalent to picking the paint color of a car. Largely superficial and not really important to the performance of the larger machine. Dave is simply trying to boil it down to something a non money person can follow. If anything he should spend more time explaining how to learn or find someone to assist you once he gets to the investing portion of the plan.
By Craig Williams, August 23, 2012 @ 3:12 pm
Funny how you state that You do not know what Dave is talking about but you judge him….Perhaps it is that you just do not know the business you are talking about….Your math is 100% WRONG in example 1. I run a company with a 401K. If I put 15% of my income into the 401K and the company matches 3.5% of the first 5% the money will grow the same as a ROTH BUT…..when I go to take it out I have to pay the taxes on the 401K I will not on the ROTH…you have no idea what you are talking about….Dave Ramsey is not PERFECT but his advice is about common sense….and it is not common sense to just take the free advice of a radio talk show host 100% without considering your own position…..in your case…..find something you know about before you try and pick it apart. You might get lucky but in this case you came off looking like a complete idiot to someone who can actually use a calculator….
By Mrs Ramsey, August 24, 2012 @ 9:44 pm
Dave: 10
Non-Dave Believers: 0
By خلفيات بلاكبيري, August 26, 2012 @ 4:26 pm
thanks for the’s
By Kent Thune, August 31, 2012 @ 5:35 pm
Great article. The comment section has some good points and counter-points.
Dave gets some things right, such as his simple, understandable and entertaining delivery, which is helpful for those who might not ever engage in personal finance otherwise.
However, Dave completely gets mutual funds wrong, especially with his 4-fund approach with potentially dangerous overlap.
FYI: I am a CFP and writer on mutual funds. I wrote a detailed piece here about what Dave Ramsey gets wrong (and some things right) with his mutual fund investment philosophy:
http://mutualfunds.about.com/od/mutualfundbasics/a/Why-Dave-Ramsey-Is-Wrong-On-Mutual-Funds.htm
Thanks. I linked to your blog piece as well in my article. Keep up the good work…
By Travis, September 9, 2012 @ 6:31 pm
How many millions of lives have you positively touched?
By Mrs Ramsey, September 10, 2012 @ 8:27 am
Travis,
You hit the nail on the head!
By Melony Beard, September 17, 2012 @ 12:19 am
On the advice about the Roth IRA versus Traditional IRA…..at 30 or 40 you should have deductions…children, college, mortgage. When you are retirement age, the goal is to be rich…hopefully placing you in a higher tax bracket. So it makes sense to pay the taxes when you are young and you have tax write offs.
By Joshua Monen, September 22, 2012 @ 7:56 pm
I love this quote about critics:
“It is not the critic who counts; not the man who points out how the strong man stumbles, or where the doer of deeds could have done them better.
The credit belongs to the man who is actually in the arena, whose face is marred by dust and sweat and blood, who strives valiantly; who errs and comes short again and again; because there is not effort without error and shortcomings; but who does actually strive to do the deed; who knows the great enthusiasm, the great devotion, who spends himself in a worthy cause, who at the best knows in the end the triumph of high achievement and who at the worst, if he fails, at least he fails while daring greatly.
So that his place shall never be with those cold and timid souls who know neither victory nor defeat.”
Theodore Roosevelt
By Todd Grossman, September 23, 2012 @ 6:44 am
My son is 21months old he receives Social Security for glaucoma. Could u give me some tips on how to generate the best bang for his Buck. Would like him to have something when older. I’m am a disabled veteran and cannot work. But would love to help his financial
By Jeff Adams, September 24, 2012 @ 1:01 pm
Dave Ramsey critcis remind me of middle age guys who sit on the couch and think they know everything about footbal becasue the played a couple of years in high school. The difference with Dave is that he got off the couch and makes an difference instead of prenteding to be an expert. You think if the so called critics were so smart, they would be more successful than Dave is…right?
By Dave, September 26, 2012 @ 9:14 pm
Until you want to be millionaires help me and millions of others get debt free and achieve a million dollar plus net worth like Dave Ramsey has done I have no time for your stupid comments.
By Laurase. I, September 28, 2012 @ 12:55 pm
blah blah blah. Honestly, I am in about 80k in debt, NOT counting the 180k we owe on the house. I do NOT care about investing. It will be years before I can invest. I care about getting out of this hole we dug ourselves into. Dave’s plan is motivating and simple to follow and MAKES SENSE. He admits the #’s aren’t always the best, but what he knows is WHAT WORKS for people. He repeats that fixing finances is 80% behavior… so his methods fix BEHAVIOR even if there are other methods that lower debt faster. I realize you all are into investing and squeezing every dime from your investments. I would be the same if I didn’t have boatloads of debt. Instead, I just worry about getting my head above water. DR is great for that.
By RC, October 3, 2012 @ 10:51 am
On point #1 you’re also assuming that tax rates remain steady. Anyone with a brain can figure out that at the rate our government is growing and our debt is growing.. taxes aren’t heading down anytime soon. I’d rather pay my taxes now then later.
By Patrick, October 5, 2012 @ 8:30 pm
Recently Dave advised everyone who is under water with their mortgage to refinance the mortgage. This is ludicrous because the new mortgage would be based on the current market value of the home. Assuming an existing mortgage of $500k and home value of $400k, you would have to apply for a new loan based on the current $400k value, and put down whatever the new lender requires – BUT – the new lender is certainly NOT going to pay the old $500k mortgage off – what sense would that make for them? Perhaps the existing lender would agree to a “short pay refinance”, which for the same reason and unless you sat at the table for the last supper you would never get approved for. We love you Dave, but please check your facts before you recommend such action. Same thing with short sales – we heard you say that after a short sale, you would not qualify for a new mortgage for at least 2 years. NOT TRUE. Truth is that, as long as you have had at least 2 years of current payments on ALL bills – no late payments – especially the mortgage) you CAN qualify for a new mortgage. Please see FHA website for this clarification, or google “obtaining an FHA mortgage after a short sale”.
By Monica, October 7, 2012 @ 2:49 pm
Wow you guys are a bunch of idiots, I don’t even know who Dave is and everything he is saying seems to be pretty on point.
By Lisa, October 9, 2012 @ 11:26 pm
Dave’s top financial advisor gave me the worst advice I ever got and I was treated like a hysterical female when I voiced my real concern if I took this guy’s advice I would end up worse off. I lost property now worth twice what it was then and what I feared would happen, did. If I had followed my own advice, I would now be $100K ahead instead of underwater in a mortgage and in debt. So I suspect anything he says and think some of his advice is nonsense on air.
By FPU graduate, October 20, 2012 @ 9:51 pm
There is peace in being debt free. Getting paid is no big deal anymore. Not having to wonder what bills get paid and which will not get paid is so tranquil. Looking forward to retirement instead of wondering how to make the mortgage payment on Social Security. Who should you take advice from, someone who has learned from his mistakes (and who has written books and has been a financial adviser to many) or some lunkhead telling you to trust him with your money? For less than $100 you could take the Ramsey course or go out to eat. One fills you for a few hours and the other gives you a proven plan for the rest of your life.
By Deborah, October 21, 2012 @ 12:15 pm
Hello sir,
We have been listening to Dave Ramsey and inspired by much of his material. Could you tell me your qualifications and who you might recommend for learning how to invest? We are confused by all of this…
By Mrs Ramsey, October 23, 2012 @ 8:05 pm
FPU Grad,
Very well said!
By ohiodale, November 7, 2012 @ 3:52 pm
Your Roth IRA example is flawed. If you put 15% into a traditional 401K in many cases you would make $1.6K in company match (100% on the first 4%) You would get say a 10% savings in taxes. If you took 15% for use in an IRA you would only get to invest $13.5K because you need $1.5K for taxes. So in an traditional 401K you would put in an additonal $3.1K per year. This would be $265K in 40 years if the money doubles every 10 years. Compared to the Roth which you would have $216K. Say you pay an effective 15% in taxes. The traditional IRA is slightly better. The $265K in today’s dollars would be equal to at most $135K (most likely much less due to inflation). Most people’s efffective tax rate is about 15% in that $135K tax bracket.
By Matt, November 8, 2012 @ 3:43 pm
I do not know the person that wrote this, but I would like to know the comparison of Ramsey’s net worth to the author of this article. I venture to say whoever has the greatest net worth is who I would tend to take advice from since whatever methodology each respective person uses seems to be working.
By Kanoealoha, November 8, 2012 @ 8:52 pm
All I know is that the Roth IRA is wonderful for a family like mine. One income family of five, makes for no federal taxes, except of course the current 4.2% (or whatever it is) in FICA and some state tax, so roughly 6% (maybe). Hubby;’s company gives him 15% of his salary automatically in a 401k. So for us a Roth IRA makes a lot more sense than a 401k. Like Ramsey says, every situation is different and if you need help go find someone that can help you with you financial details.
By Kanoealoha, November 8, 2012 @ 8:53 pm
Oh and because I don’t work I can take advantage of the spousal Roth IRA, so another 5k.
By Shane, November 11, 2012 @ 8:12 am
Traditional verses Roth. Forget the math for a moment. The final results as things stand are close. Here is the way I look at it. Traditional gives us a tax break now, the Roth gives no taxation upon retirement, as of now. AS OF NOW. We cant predict the future, but we can bet on one assumption, the government lies. What kind of odds do you wish to place that our politicans see all that money and decide to tax it? The have said that they won’t tax it, but later?
I don’t know, and like everyone else, I can’t predict the future, but I will take the tax break now. I sure as hell don’t trust Congress to keep their word.
Just my penny’s worth.
By drain, November 17, 2012 @ 12:55 pm
Of the few articles I’ve read, you seem to take most things out of context and fail to grasp the bigger picture.
By CW, November 23, 2012 @ 7:58 pm
Here’s the deal. Dave teachers fundamental principles that, if one were to live by them, would put them on a road to financial freedome and prosperity.
You can nitpick some of his ideas, but the fact remains that if you followed his plan, you would be debt free, have a serious emergency fund, have enough to live on the rest of your life, saved for your child’s college, and live free to give of your time and resources to something larger than yourself.
Many of these posts here bashing Dave forget that his plan isn’t to maximize every penny you can. His plan is simple…help normal people spend less than they make, live debt free, save for the future, and AVOID RISK. All you finanical gurus that bash is philosophies act as if risk doesn’t exist.
My favorite two are 1) Dave is an idiot because paying off my mortgage would cost me my tax deduction. Seriously? Well then, please send me your $10K per year and I’d be happy to send you the $2,800 back. If you wan the same deduction, how about charitable giving? You get the same benefit. 2) Dave is an idiot because he says to pay off my mortgage when I can invest it at 12% and make a 6% margin every year. Sure, if you were guaranteed that you’d make 12% every year and nothing bad would ever happen to you or the economy, then sure, Dave is an idiot. But, talk to me when you get laid off, the market is down 50%, and you are now 5 months late on your mortgage payment and have cashed out every bit of investments you have to try to stay afloat.
The fact is that Dave teaches fundamentals that will help the average person live the rest of their life financially free with as little RISK as possible. Period. Accept it for what it is and the impact it has had on millions of people’s lives.
By Mrs Ramsey, November 26, 2012 @ 10:03 am
CW makes it clear once again. Dave Rules!
By Jake, December 7, 2012 @ 9:08 am
I’ve been a student of Dave’s for quite some time and am working his system. The unfortunate thing is you are assuming he preaches this as gospel and there is no other way. On the contrary he insists on getting sound advice from everywhere in the fields. The only problem i see with your view, is the system he teaches works. I have seen many people get out of debt, and we are almost there now too, using his teachings. His main topic is to be smart with your money as well as keep it simple. Don’t follow advice of any financial person who can’t explain it well. Oh and on your last one, the majority of discounted stock offered by companies can’t be sold by the employee either all or until a time has past that by market flux that discount is negligible…as it is offered by most companies in my area that I’ve done the research on.
By Me~and~only~me, December 28, 2012 @ 12:43 pm
Well, as far as Dave Ramsey goes, I find some of these comments less than useful, if you follow his program, and take his classes all is explained as to why he recommends what he does. And it makes sense. The non use of credit cards, is due to the fact that people spend more when swiping plastic than they do by handing over cash. And I have seen other misquotes on his teachings, if you don’t understand why he “advises you to do something in a certain way, or suggest that you pay your bills in a certain order to get out of debt” then you obviously haven’t read his books or taken the classes. You don’t have to take his advise or agree with what he says, but he is a millionaire, that believes in hard work and discipline. He is very honest in his beliefs and that is one reason why I respect him. Not to mention that following his advise and working his program has brought me out of the depths of financial ruin.
By HannaT, January 6, 2013 @ 8:12 pm
#1 Dave Ramsey is correct (though I didn’t know who he is before I read all the comments) Starting with zero in your bank and save $500 per month at 30, compounded 12 times a year(not uncommon) at 12% interest a year. After 40 years, it mounts to more than $5.94millions. Use the calculator here http://www.moneychimp.com/calculator/compound_interest_calculator.htm
2. I trade stocks options on the leaders in the top sectors of stocks market. Yes they definitely get much better annual returns than S&P index. The problem is knowing how to pick the right stocks/funds for investment.
Didn’t read the rest. Seems like Dave Ramsey is the guy to go to if one aims for debt free living.
By BAinokc, January 11, 2013 @ 5:46 pm
Why isn’t the writers name published? He took Dave’s recommendations out of context. The author is probably another unemployed MBA who knows it all….
The Dave Ramsey approach has helped hundreds of thousands of people.
By Brenda, January 16, 2013 @ 4:32 pm
Yes, I’m also wondering why the writers name was not published. Dave is a multimillionaire therefore I will take his advice. Taking advice from this author is like taking advice from an obese person when trying to lose weight
By Dave follower second generation, January 19, 2013 @ 4:23 pm
First thing I see wrong with a lot of your stuff is that Dave never says he is an expert. Even when you watch his show there is a disclaimer that says to double check all of his advice with a lisensed financial person . Also he always says to talk with one of the licensed local providers for specific information on investing. I heard the broadcast that you were referring to on the FICO scores and you obviously do not understand examples very clearly, he was not saying that was the exact amount nor that it was a specific instance he was trying to make the point that you don’t have to go into debt to buy a house because if you can prove you are financially sound you have nothing to worry about. Like Dave says he teaches basic things that should be common sense and that he knows works. I follow Dave because my dad was a banker and currently runs two different for-profit hospitals he uses the Dave Ramsey’s program for his personal finances and endorses this program because its simple and it works.
By Rich Uncle EL, January 24, 2013 @ 10:22 am
It takes a brave soul to go against a well liked financial / media consultant like Dave Ramsey. I see the value in what Ramsey is trying to sell to his followers, that debt is almost always bad for anybody. But I also see the value in arguing the financial aspects above to find the overall best outcome for the listeners and readers.
By John, January 25, 2013 @ 3:50 pm
If I felt so motivated I could shoot to hell 8 of your arguments on the basis that you’re obviously reading this material through a filter that wants to make it wrong.
The other two, I’ll be the first to say, make no sense in the context you’ve posted.
I came here open to seeing the flaws in Ramsey but instead leaving more convinced that no matter how helpful and reasonable something may be there will always exist those looking to make it wrong.
By Hibryd, February 6, 2013 @ 4:24 pm
This thread is still active? Awesome.
Okay, followers of Dave Ramsey, here’s where you should be completely ignoring him, because in *this area* Dave would rather make money than give you the best advice.
On January 31st’s show, Dave actually named two “12%” mutual funds. This was surprising to me because, in all the years I’ve heard him, he’s never gone into specifics on what these mysterious 12% mutual funds might be.
They were AGTHX and AIVSX. After looking them up, notable points include:
1) Yes, they’ve made, over their lifetime, an average of 12% a year.
2) That DOES NOT mean and NEVER DOES mean they’ll make 12% in the future. They sure haven’t over the last 10 years. Maybe they had a banner decade and they’ve been coasting off that.
3) For the last 10 years, one of them *slightly* beat the S&P 500, and the other actually lost to it.
4) They had obscenely high load fees. Like, 5%.
What this means is that if 10 years ago you had, instead of going through one of his ELPs and paying all the commissions involved, had simply got a single index fund through Vanguard on your own, you would ACTUALLY HAVE MADE MORE MONEY.
DAVE RAMSEY IS COSTING YOU MONEY so that his broker network can make commissions and give him kickbacks, and in order to entice you to do it he gives misleading numbers and bad calculations around “12% a year”. Just Google “Dave Ramsey 12 percent” to find other articles explaining why that number is wrong.
By wes, February 11, 2013 @ 12:03 pm
i would assume that timing is of some value here but i was told when i went for a home loan, that i had a zero for credit score because i had no debt for at least 7 years. now that was back in 2006 but it was thru countrywide and they showed me my scores from the big three and it was zero.
By Seth, February 15, 2013 @ 5:15 pm
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By Nate, February 19, 2013 @ 4:43 pm
I think this dude is just trying to get some traffic by talking bad about someone who has helped millions of people. Some cheap attention – nice strategy, bro.
By TB Benn, February 19, 2013 @ 11:43 pm
Ramsey’s rants are even more lame than his advice. He went on a rip a month or two back explaining that “The Mayans weren’t successful because they were all dead.” Must have been quite a shock to the thousands of Mayan descendants currently living in southern Mexico and Central America.
DR should stick to telling listeners to make a budget and pay off credit cards then leave the thinking to others.
By Melinda Gonzalez, February 21, 2013 @ 4:39 pm
I thought I was the only one who questioned Dave Ramsey’s methods. He also thinks gold is a bad investment, which is probably bad advice considering it has gone up tremendously since he said that.
By DC, March 4, 2013 @ 3:27 am
Whewwwwww, why are these dudes pushing ‘Vanguard’???
DR’s pitchman is himself, and he’s done one helleva job clawing himself out of monstrous debt. A Light House shinning a light for the masses drifting in life from a fog preached to them from the public fool system.
Here’s exactly how I knew this ‘professional expert’ article was disingenuous.
RE: “0″ FICO score. DR means you wouldn’t have one if you’re under the radar for years.
We all know what the means; however, the writers of this article mis-directs and gives an out of context (meaning) of what DR’s general meaning.
The writer(s) of this article seem to have the mentality of attorneys or politicians or dem /libs that circle the wagons when they become scared.
RE: CD’s are not secure investments, as they pertain to keeping up with devaluating currency (eg. commonly reffered to as “Inflation”). DR has provided the % he was referencing.
However, the writers of this article retort with:
“CDs are generally FDIC insured and therefore as guaranteed as any investment could be. So secure that they are often said to be appropriate for widows and orphans.”
The writer’s retort is as nonsensical as a politician who answers a question that was not asked. Which automatically reeks of a person with ’0′ credibility.
The CD is secured for principal and crumbs of % points; however IT IS NOT SECURE as far a keeping up with ‘inflation”. Which was DR’s point.
Thus, the writer(s) of this article seem to be afraid of losing customers if DR’s followers stop using the typical overpriced financial advisors. Especially since DR followers generally use DR’s ‘approved financial advisors’ which probably does not include the financial types who wrote this article.
The writer(s) of this article seems to be afraid of losing customers.
Furthermore, is / are his books overpriced? Maybe. However, it’s not what something costs you….it’s what value does the thing you purchased bring you. If a book @ 30 bucks is overpriced but it motivates a person to become debt free, with a retirement plan, emergency fund of 6-9 months of wages in $, you live debt free for life, etc., etc. than the mere overpriced book was worth it, yes?
DR speaks in generalities that is true, and his concepts (which have been around forever and are nothing new); however, the recording on his radio shows does indicate that DR’s advice is not ‘professional advice’ and you should seek a ‘professional financial advisor’.
I do not agree with all of DR’s detailed concepts….though he is helping millions of people become debt free. Which carrying debt is a top reason for divorce, and debt adds an abundance of stress – which is another reason for the death of many souls.
By J. Oey, March 5, 2013 @ 7:23 pm
What an Idiot.
By J. Oey, March 5, 2013 @ 7:24 pm
Who listens to this guy. He is simply a Huckster.
By Stacy, March 7, 2013 @ 1:09 pm
I assume everyone here calling Dave’s advice bad (including the author of this blog) is a multimillionaire or have outperformed Dave’s portfolio?
This is a man who teaches the exact principles that got him out of millions of dollars in debt and in turn made him millions. He simply practices what he preaches. I am guessing that is more than most who have commented on this post.
You fool’s can rant and rave about his “poor” advice all you want, but I think I’ll continue to move forward. Incidentally, listening to Dave has been the best thing I ever did! I have never been in a better place financially in my life and my future finally looks solid.
I too once had over a million in my portfolio then lost it all. But now I am regaining it all and am close to where I was. However, this time it is real and I know what I am doing. Why? Because for the first time in my life I am listening to solid advice.
That would be Dave’s so called CRAPPY advice to most of you.
Later CHUMPS!
By Chris, March 16, 2013 @ 9:05 am
As much as I disagree with some of Ramsey’s advice, both as a person interested in finance & math and as a Christian, I have to say that I find it ironic to complain about technical errors in advice that Ramsey has given, and to then have plenty of technical errors of your own. So I agree with dangerman that Dave Ramsey does some good for being generally correct, and for giving advice that will benefit enough people.
I would find it much more useful to complain about general advice that is given. For example, Ramsey advocates complete debt free living. Okay, that’s great once you get to the point where you can manage it. He makes a lot of money. You can save for the big purchases if that is the case.
Yes, you always “lose money” with credit, but sometimes you lose less money than with another option. If that other option is either the one you are currently in or the only other option available, then credit effectively “saves you money.”
My wife and I recently financed a nearly new car. I’m going to “lose” about 800-1000 dollars in interest payments. That sounds pretty bad right? Well it would be, if the alternative wasn’t to sink an immediate 700-800 into our old car for non working windshield wipers before some other frustrating and expensive problem came along in 6 months. Even paying for that fix and saving 3000$ over the next 6 months (which would actually have been beyond our ability to afford anyway) for a used car is suspect when you figure the cost of fixing for MAYBE 6 additional months is already the cost of the interest. Plus, we get a nice ride much sooner! As long as you can budget for it and it saves you more money than not doing it, debt can be good.
And sure, it’s true that some people are better off living debt free than letting the allure of credit ruin them. But his advice for getting out of debt is useful right? Sort of.
Ramsey advocates the debt snowball payment method. Pay off the smallest balance first. I think if you are dealing with delinquent accounts there is a chance this would be beneficial, or if you are dealing with several sources of credit that all have similar interest rates, in which case the hassle saved by getting rid of one completely will be worth it, but if you’ve got the end of a car loan payment with 2000 left at 5% interest, and a credit card with 25% interest with 4000 on it, you don’t pay the student loan off first. Not only will that cost you more money total, but you will lose the loan on your credit report quicker and therefore it does less to build your credit. The BEST advice, and just as simple in my opinion, is to pay off higher interest rates first. Unless there is a penalty for early payment or fees per payment or the interest rate is not compounded, this will get you out of the danger zone the quickest. Then, once you are out of debt, it is your choice to go completely debt free and start saving or to take on some other loan and manage your debt well. Personally, I would use the oportunity to live debt free for a while, and then look into whether or not a future loan would be beneficial after a while. That keeps your credit score from disappearing, and at some point, unless you have gotten yourself to a point where you can save very effectively, the cost to benefit ratio will once again make it worth it.
By shawn, March 19, 2013 @ 12:52 am
Chris,
Or……you could pay to fix your window, then save the money that you would have made on a car payment to either buy your next car with cash. or fix the next issue. or both.
By shawn, March 19, 2013 @ 12:56 am
Also the debt snowball is not about math, its about discipline and changing the way you………you know what. Quit being lazy and go read the total money makeover. Then once you actually understand what it is he is teaching, then you can come back and try to make an argument.
By Missy Gage, March 20, 2013 @ 11:43 am
Dave Ramsey has turned my husband into some type of Guru from outer space from his fanatical ranting to the general public. I could tell in an instant that I need to do my homework on this guy or lose my wonderful marriage.
My husband is drawing analogous conclusions from Dave’s personal zero debt to my small business debt that carries some debt in some months and very little in others. If anyone out there would like to outline the personal debt and typical small business debt expectational limits that make sense, I would at least be able to put up some kind of fight. I am goal oriented, conservative in my risk taking but do take risks when needed. I have been in my field for 30+years and have a college and some post graduate work.
My husband is in the union and hourly with little college. We are 2 different animals. good old Dave has really brain washed my husband.
I have really had to put up a huge fight for small business and how it operates and my husband does not get it.
I was really thrilled to find this blog as I thought I was on a lonely island. Glad to know my instincts are correct!!!
I will listen to any advise in regard to this subject matter. Many thanks, Missy
By Russell Carden, March 25, 2013 @ 2:02 pm
While you do make a few good points, for the most part this article is perhaps the finest example of hair-splitting I’ve ever seen. One simple example, Mr. Ramsey’s point on the “risk” of CDs is that one is often all but guaranteed to lose money after inflation. To the average Joe, this might be considered risk of the worst kind. Granted, it’s not the “volatility” kind of risk to which the “experts” refer, but it’s still a valid point. You would do well to make a distinction between the lingo of the average “market guru” (with his candles and crows) and that of a radio program that addresses the masses with, on average at least, much better advice.
By Gaffalicious, March 31, 2013 @ 9:31 pm
“If you put $500 a month into good growth stock mutual funds that average 12% from 30-70 years old, then you would have almost $6 million.”
Aside from all the things wrong with this statement pointed out in the article, there is an even bigger problem with this statement:
There is no such thing as a fund that averages 12% of a 40 year period.
Very few funds and indexes even existed for such a long time (mostly because they had shitty performance and were discontinued during that time) and the of the few that have, the best one averaged 10%.
So, good luck picking the 1 that will get you 10% over the next 40 years… Personally money is on S&P 500. But anyone telling you to expect 12% is blowing smoke up your ass. The only way to make a 12% return is to work hard for it, start your own business or actively invest yourself. Just giving your money to someone else and watching it grow on it’s own is a myth, not a reality.
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By BBrooks, April 6, 2013 @ 7:29 pm
Say what you want, but I have no debt, a payed for house, 30k in Roth IRA’s and traditional 401(k)s, and 30k in savings…and I am a 24 year old intern and my wife is a 23 year old nurse. Most of your points are just matter of definition and you could easily argue that DR was not wrong. Also, it is not fair for you to judge DR without understanding his system. His system is based on behavior (not pure math). His investment strategy is to put yourself in a position to save a lot, and invest it in good areas. His investment strategy is NOT to invest a little and try to maximize it so that you might have a chance to not outlive your nest egg. In summary, it is a blunt force strategy. It is not going to wow, but it will produce better results than trying to play a numbers game…and trust me, as a mathematician and actuary, I love numbers.
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By swtrader, April 17, 2013 @ 8:40 am
Interesting. I listen to Dave for about an hour each week. In our market, his show is on in the evening when I make an ‘errands’ run so I don’t get a lot of info. Generally, however, I think he gives pretty good advice — and his advice is ‘grass roots’. What his advice offers, if followed, is peace of mind. Living debt free — which is his mantra — is peaceful unless you stay awake nights worrying about missed investment opportunities because you have $400,000 cash (or whatever) invested in your house. His is not an investing show so I agree, he should be cautious and simply advise people to seek professional, ethical investment advisors. (One thing which I think he should some mention to which I’ve never heard is financial leverage. Whether it be in real estate or in owning your own profitable company (that re-invests most of its profits or cash flow), leverage is the way the vast majority of people get rich — or even financially secure. 20% equity in a $400,000 house is a good thing if the house begins to appreciate it every year. Having 100% equity is not a good thing if housing values are going up by 5% a year. He needs to at least explain the concept. Living debt free is nice, I suppose…but it is not THE answser (just as is nothing else)
By frank spizzirri, April 18, 2013 @ 5:15 pm
I listen to Dave Ramsey almost everyday he is very knowledgeable and interesting but your right some of his facts are questionable like the 12% return on mutual funds and one that disturbs me very much is the way he describes the credit card companies I am sure most of his products are sold through these very same companies and when he advises his listeners to make them wait for their payments how would he like to have to wait to get the money he is owed I also contend that he makes most of his money from the products he sells and not through real estate investments he tried that once before and went broke
By Renee, April 20, 2013 @ 12:00 am
There are always going to be haters. How about you try what Dave says and see if it works (for those of you skeptics)? If it doesn’t work you can always go back to what you were doing before which isn’t working or you wouldn’t be looking for a fix. Believe the lies if you want or win with your money. The choice is yours. Have a life or keep on hating!!
By Renee, April 20, 2013 @ 12:00 am
There are always going to be haters. How about you try what Dave says and see if it works (for those of you skeptics)? If it doesn’t work you can always go back to what you were doing before which isn’t working or you wouldn’t be looking for a fix. Believe the lies if you want or win with your money. The choice is yours. Have a life or keep on hating!!
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By Jaxon, May 5, 2013 @ 4:10 pm
You’re an idiot. Dave rocks. I once had an “investing specialist” tell me that you would never be able to bet a mutual fund that averaged a return over 12%.
I had another guy from Edward Jones tell me what a great buy it would be to purchase a ton of single stock in an oil company he had picked out “just for” me.
I hear you idiots all the time talking about getting into debt, etc.
Ramsey has done more to get people out of debt and build wealth than any of you jealous little girls have. I mean, all of you jealous, broke little girls.
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By alex, May 8, 2013 @ 11:40 pm
This article comes across like my fat aunt who always trying to share her dieting advice. Dave Ramsey’s plan works. He has helped more people get out of debt and build wealth then the author of this article can even hope to dream of. The “facts” are, his plan works, and works well.
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By cynthia Velez, July 10, 2013 @ 12:37 am
no offense but he’s a billionaire so obviously he must know what he’s talking about!
By Victor Swindell, July 10, 2013 @ 1:10 pm
If the tax rate is higher now than in retirement, a traditional will save more money.
The great thing about the internet is the vast amount of data. While no one know he future but God, you can look at the track record of income tax rates in any 40 year peroid..and see ..it depends on politicsn and world issues.
But chances are prettty good…it will remain the same.
And for all of those who bulk about paying for Davess’s stuff. 1) He has to make a living. 2)Do you complain when you buy stuff from other business?
3) He gives lots of stuff away free, his raido show and podcast are free (I know others that charge for their podcast). You can troll the internet and get almost the same info.
4) Crown financial teaches similar stuff…but I guess cause Dave is bigger..he’s a better target.
5)It’s the Dave Ramsey Show…it’ his opinions, just like the Rush Limbauh show, or Racheal Maddow, or Laura Ingram, or…. if you don’t like it…don’t listen to it.
By chris, July 14, 2013 @ 12:48 am
Dave is great for motivating people to get out of debt. But on investing is advice has a lot to be desired. Stopping your 401k to pay off debt is a horrible idea. Your leaving the company match on the table and walking away.
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By HockeyDad43, August 1, 2013 @ 8:34 am
I listen to Dave Ramsey every day. There are things he promotes that are spot on; there are things that he’s off base on. The general message of getting out of debt shouldn’t be debated, but there are times I wonder if he’s just trying to sell more books and classes. His JOB is to sell stuff so there’s always that undertone of wanting to sell something to his listeners. I take what he says with a grain of salt, and want to research some of the things further before I consider it for my financial success… I think everyone should do the same thing.
By Tom, August 8, 2013 @ 9:20 am
You can’t compare putting $6000 in a Roth and putting $6000 in a traditional. If you invest $6000 in a Roth today, the cost of that investment is $6000 plus the taxes to get that. Basically $7200 if you pay about 20% taxes. That would compare apples to apples. $6000 in traditional or $7200 in a Roth, where only $6000 is deposited and $1200 is a “load” or something.
By Tom, August 8, 2013 @ 9:56 am
Ok, I had to do this to compare apples to apples. This may help someone.
Assumes deposit of 6000 in traditional IRA or 5000 in Roth IRA (6000 gross – 1000 taxes to deposit 5000 in a Roth)
Also assumes a 9% return…I’m conservative.
after 10 years
76K tax free – Roth
91K minus taxes – Trad
after 20 years
256K tax free – Roth
307K minus taxes Trad
30 years
682K tax free – Roth
818K minus taxes – Trad
By Tom, August 8, 2013 @ 10:24 am
One more time guys…I hope this helps. Someone try to work the numbers where Roth is better. I keep coming up Traditional is better (to my surprise, believe me).
assumes deposit of 6000 in traditional IRA or 5000 in Roth IRA (6000 gross – 1000 taxes to deposit 5000 in a Roth)
assume 11% return and 15% tax rate at time of withdrawal
after 10 years
84K tax free – Roth
100K minus taxes = 85K Trad
after 20 years
321K tax free – Roth
385K minus taxes = 327K Trad
30 years
995K tax free – Roth
1.2m minus taxes = 1.02m Trad
40 years
2.9m tax free – Roth
3.5m minus taxes = 2.975 Trad
Looks almost like 6 of one, half dozen of the other. The damn government has this figured out.
If your tax rate at withdrawal time is 10%, traditional looks a lot better.
By callingonblueskies, August 9, 2013 @ 1:28 pm
Are you a millionaire? No?
He is? Yes?
Alright.
SOMEONE obviously knows what they’re talking about
By jim, August 23, 2013 @ 5:18 pm
I am astonished at the level of arrogance and downright ignorance of some here.
I would like to see the personal financial statements of the people here trying to tear Dave down. I think it would be eye opening to say the least.
i went from 109,000 in debt to debt free in 3 years. I now have an emergency fund, i only own debit cards, i make no new debt, my car is paid for and i’m living on half my yearly income. I have 7000 in savings and i just began to invest. Yes…using Dave Ramsey’s formulas. And yes…i’ve found several mutual funds of various types that have 10 year performance averages above 12% through MorningStar.
Get his program, shut your pie hole, open your mind, and get rich…I’m working on it
By jim, August 23, 2013 @ 5:35 pm
TOM,
WOW…sign ME up.
If it was only about numbers, you’d be a bazzilionaire…..The tax rate is NOT going to be lower when you retire….you’re dealing with the Federal Government. I know, i used to work for them.
PLUS, you’ll be in the extremely high tax bracket…if all goes well, at retirement so the government is going to rape you when you go to take that money out to live off of. Just be SMART….give the dummies in DC the money now and tell them to kiss your butt when you’re an old fart.
The program WORKS!! Get it, use it. Don’t try to rationalize institutionalized stupidity.
After going through the program, you will be amazed at how much stupid is fed to us through the media. Buying Gold, leasing cars, reverse mortgages, the list goes on. Do you hear ANYTHING about TERM life insurance? long term care insurance? Growth Stock Mutual Funds, Mid Cap, Small Cap, International Stock Mutual Funds? Emerging Market Mutual Funds? Emergency Funds? NOT using Credit Cards? But you see the vikings from Capital One every Five freaking minutes!!!
Notice how you can’t BUY a car anymore….but you can LEASE one for 200 a month with nothing down…WOW! Rent to own is awesome isn’t it…just happens to be the most expensive way to operate a vehicle and the way the dealers make the most money
By jim, August 23, 2013 @ 6:01 pm
Missy Gage,
I think your husband should pay more attention to what Dave is saying all the time on radio and in his FPU program. You need to approach your finances as a COUPLE. Fighting about money all the time will destroy your marriage (I know). You BOTH need to actually attend a Financial Peace University at a local Church. Get with other couples DON’T try to do this stuff in isolation. Working in a group is a lot more productive.
I used to own a business. I know the stress involved with that. If you’re incorporated make sure you’re doing everything legally. keep personal and business finances completely separate. Pay yourself a decent salary and live off of that. You should try to do business with as little overhead as possible. Do improvements or renovations when you have CASH avoid loans.
If you’re both in business together you need to start holding strategy meetings and learn to compromise. Owning my business with my ex almost put her in the hospital for stress. It was literally killing her.
Communication is VITAL to your success in the business AND your personal life. Say what you mean, mean what you say. Stay on budget, pinky swear and spit shake on it. Go to bed NOT angry. You don’t have to like him, just not mad.
Just something to think about.
By Windasman, August 28, 2013 @ 6:27 pm
Yes, Dave is not a genius in investments & taxes. He’s said so many times, and has recommendations for people in your area that CAN help you with that. I’m not a disciple of his by any means, but his class teaches enough common sense you’ll be much better off than trying to be an economic whiz kid on your own.
I’m 8 years out from taking the class & am in amazing financial shape just from taking the core principles & applying my situation to them.
By Steve m, August 28, 2013 @ 9:27 pm
#1. He is way wrong. First using future dollars. In that amount of time it would be a 1.5 million or 2 million in today’s dollars. 60-80k withdraw. A single man will pay a10-15k a year in taxes a year. The person will have 500,000 in a taxable account with a traditional whic will provide 15k of after tax income. I guess people need to learn the difference between effective and marginal rates.
By Mrs Ramsey, September 2, 2013 @ 9:26 am
I’ve been reading this blog for months now and it seems Dave’s plan is supported by far more people than the folks who try to tear it down. When people say “You have got to watch America’s Got Talent” everyone watches. But when someone says “Here is a great way to manage your finances and I have done it and it works” people still want to say “You must be nuts!” Wake up America!
Dave Rocks!
By Tim, September 13, 2013 @ 9:04 am
Another Idoit trying to ride Dave’s fame, the only way he can get people to his web site is to ride on someone elses coat tails….dumb…
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赞美庐山的诗句有哪些（写一句赞美庐山的话）1.横看成岭侧成峰， 好时混合巧克力饼干 远近高低各不同。——苏轼《 vivoy76s手机壳 题西林壁》2.不识庐山真面目，只缘身在此山中。——苏轼《题西林壁》3.日照香炉生紫烟，遥看瀑布挂前川。——李白《望庐山瀑布》4.飞流直下三千尺，疑是银河落九天。——李白《望庐山瀑布》5.君不见晦庵先生妙经学，庐山书院榜白鹿。——杨万里《寄题万安萧和卿云冈书院》6.庐山秀出南斗傍，屏风九叠云锦张， 影落明湖青黛光。——李白《庐山谣寄卢侍御虚舟》7.千峰庐山锦绣谷， 背带裙女夏牛仔 一水蜀道玻璃江。——陆游《记梦·我梦结束游何邦》8.微风吹人衣，雾绕庐山首。——苏辙《除夜泊彭蠡湖遇大风雪》9.庐山秀出南斗傍，登高送远形神开。——
By CC4558, March 10, 2023 @ 2:26 pm
渔家傲范仲淹主旨（渔家傲名句赏析）渔家傲范仲淹塞下秋来风景异，衡阳雁去无留意。 浅色破洞牛仔裤男 四面边声连角起，千嶂里，长烟落日孤城闭。 鞋子女英伦风 浊酒一杯家万里，燕然未勒归无计。羌管悠悠霜满地，人不寐，将军白发征夫泪。作者简介：范仲淹（989年—1052年）， 字希文。北宋政治家，文学家，军事家，谥号“文正”，吴县（今江苏苏州望亭）人。少年时家贫但好学，有《范文正公集》传世。诗意 iqoo9新款手机壳高端镜头全包5g防摔散热超薄磨砂 ：边境上秋天一来风景全异，向衡阳飞去的雁群毫无留恋的情意。从四面八方传来的边地悲声随着号角响起。重重叠叠的山峰里，长烟直上落日斜照孤城紧闭。喝一杯陈酒怀念家乡远隔万里，可是燕然还未刻上平胡的功绩，归期无法预计。羌人的笛声悠扬，寒霜撒满大地。征人不
By CC4965, March 10, 2023 @ 2:27 pm
醉翁亭记翻译和原文（醉翁亭记的翻译译文）学生到了九年级，学习文言文时对他们的要求不只是文言知识的积累，更应该让他 周大福山茶花耳钉 们了解文章的写作背景，深入理 一级造价师教材 解文章的主旨。下面我主要从“写作背景－知识积累”两个方面来进行整理12. 醉翁亭记/欧阳修写作背景：范仲淹因参与改革被贬，于庆历六年写下《岳阳楼记》，寄托自己“先天下之忧而忧，后天下之乐而乐”的政治理想。实际上，这次改革，受到贬谪的除了范仲淹和滕子京之外，还有范仲淹改革的另一位支持者——北宋大文学家、史学家欧阳修。宋仁宗庆历五年(1045)，欧阳修因为上书替范仲淹等政治改革派辩护而触怒政敌，被贬为滁 双面羊绒女外套 州知州。这篇游记写于他到滁州上任后的第二年。滁州地处江淮之
By CC7289, March 10, 2023 @ 2:29 pm
赞美祖国的诗句有哪些（赞美祖国的诗句或句子）江山如此多娇：描写祖国风光的古诗词 遍览中国名山大川山外青山楼外楼，西湖歌舞几时 牛仔拼接外套男 休。今天小编要分享给大家的是描写祖国风光的古诗词，欢迎阅读，希望会喜欢。【描写祖国风光的古诗词】1、《满江红》江 量血压的仪器家用旗舰店 汉西来，高楼下、葡萄深碧。犹自带、岷峨云浪，锦江春色。君是南山遗爱守，我为剑外思归客。对此间、风物岂无情，殷勤说。江表传，君休读。狂处士，真堪惜。空洲对鹦鹉，苇花萧瑟。不独笑书生争底事，曹公黄祖俱飘忽。愿使君、还赋谪仙诗，追黄鹤。2、《夏日绝句》宋·李清照生当作人杰，死亦为鬼雄。至今思项羽，不肯过江东。3、《州桥》宋·范成大州桥南北是天街，父老年年等驾回。忍泪 骑士钓鱼椅 失
By CC9679, March 10, 2023 @ 2:30 pm
祖国在我心中诗歌（祖国在我心中诗歌短诗分享） 国庆感怀文/蒲阳河-这是一个喜庆的日子五星红旗在天安门 三明治即食 迎风飘扬这是一个欢 桑蚕丝连衣裙新款 乐的日子缤纷的礼花映红人们的脸庞这是一个庄严的日子人民英雄记念碑高高矗立这是一个神圣的日子洁白的和平鸽在蓝天翱翔这个日子是一把钢刀斩断了几千年的愚昧和黑暗这个日子是一把猎枪打倒了帝国主义和世界列强这个日子是一把火炬将九百六十万平方公里照亮这个日子是一把号角将中华民族的强国梦吹响没有共产党就没有新中国多少英雄的鲜血染红黎明的曙光抛头颅 鱼缸石子 洒热血前赴后继咆哮的黄河滚滚的长江前事之师后世不忘时刻警惕觊觎者的奸诈伎俩建设家园强国兴邦让南海的灯塔发出万丈光芒–祖国在我心中文/一秦十月的晨光
By CC3189, March 10, 2023 @ 2:32 pm
摘抄春天优美句子短句（5个描写春天的短句）描写春天的好词好句积累，赶紧收藏摘抄起来吧，写作文的好素材，可 裤子男夏季薄款纯棉运动裤宽松百搭潮流束卫裤男士休闲长裤 以信手拈来，下笔成章！描写春天的词语立春 春分 早春 初春 新春 阳春 孟春 仲春 三春 暮春 春光 春晖 泳衣ins女 春色 春汛 春潮 春梦 春意 春暖春寒 春风 春花 春树 春山 春水 春草 春鸟 春季 春节 春汛 春困 春雷 春联 春秋 春宵 春装 暖和生机 温暖描写春天的成语春回大地 春光明媚 春回地暖 大地苏醒 万物复苏 桃红柳绿 莺歌燕舞 好雨知春春雨绵绵 春水盈盈万象更新 欣欣向荣 春意正浓 春光融融 春暖花开 春花怒放 春花盛开 春燕回巢 迎春花早 桃红李白飞花点翠 春风得意 春色满园 素圈金戒指
By CC1944, March 10, 2023 @ 2:47 pm
题弟侄书堂古诗赏析（题弟侄书堂古诗翻译）题弟侄书堂【唐】杜荀鹤何事居 键盘清洗神器 穷道不穷，乱时还与静时同。家山虽在干戈地，弟侄常修礼乐风。窗竹影摇书案上，野泉声入砚池中。少年辛苦终身事，莫向光阴惰寸功。深柳读书图（局部） 清 女士套装2021冬季新款洋气 ·王愫这首诗是杜荀鹤为侄子的书堂所题的诗，具体创作时间不详。目的是勉励侄儿珍惜光阴，勤奋学习。为什么处于艰困之境仍要注重修养，还是与往常一样，尽管外面已经战乱纷纷。故乡虽然饱受战乱之苦，可是侄子仍然不忘提高自身的修养。书桌前勤于用功，任由窗外竹影在书桌 双点医院switch 上摇曳，频频磨墨砚耕。年轻时的努力是为了有益终身的大事，不要浪费一丁点的光阴。随机推荐： 键盘清洗神器 女士套装2021冬季新款洋气 双
By CC8384, March 10, 2023 @ 2:48 pm
外国著名诗人有哪些（世界著名诗人和经典诗作）英 青团子糯米糍 国：雪莱《西风颂》“冬天如果来了，春天还会远吗？” 枕套40×60纯棉 英国：莎士比亚《十四行诗》“真诚的爱情之路，永远不会是平坦的。”英国：拜伦 《唐璜》“爱情对于男人不过是身外之物，对于女人却是整个生命。”英国：济慈《夜莺颂》“如果长期戴着一个面具，它就会成为你的脸。”英国 : 叶芝《当你老了》美国：惠特曼《草叶集》美国：艾伦坡《乌鸦》美国 高尔夫6改装 : 狄金森《狂野的夜》德国：歌德《浮士德》德国 : 海涅《抒情插曲》德国 : 席勒《欢乐颂》匈牙利:裴多菲《谷子成熟了》俄国：普希金《上尉的女儿》俄国 : 叶赛宁《亡灵节》黎巴嫩 : 纪伯伦《先知》《泪与笑》智利 : 聂鲁达《疑
By CC9348, March 10, 2023 @ 2:50 pm
五言绝句古诗（唐诗中最著名的五言绝 原木实木茶桌现代简约功夫茶台新中式禅意家用客厅泡茶桌椅组合 句分享）五言绝句，是古诗词中最为短小的一种诗歌体 朴西拖鞋官方旗舰 裁，它总共只有二十个字，却能在最少的文字中，传达出无限的美感。五言绝句之美，就象我们在一朵鲜花中欣赏到了生命的绚烂，在一片落叶中体会到了人生的萧瑟，在一片雪花中有感受到了天地的苍茫。今天为大家挑选唐诗最美的10首五言绝句，跟大家一起欣赏五言绝句的美。 一、王维《鹿柴》 空山不见人，但闻人语响。返景入深林，复照青苔上。 寂静的空山中，因为山林茂密，看不到一个人，只听 日系t恤 polo领 见人的声音。所谓“蝉噪林宜静，鸟鸣山更幽”。这是以声写静，在闹市之中，人的声音没什么特别的，但在寂静深山之中，人的声音就会特别突出。王维通过写人语，反衬
By CC1592, March 10, 2023 @ 2:51 pm
迢迢牵牛星翻译简短（迢迢牵牛星的诗意解释）迢迢 塑料杯富光 牵牛星，皎皎河汉女。纤纤擢素手，札札弄机杼。终日不成章，泣涕零如雨；河汉清且浅，相去复几许！盈盈一水间，脉脉不得语。这首诗选自《古诗十九首》，借传说中牛 staccato女鞋 郎织女的故事，抒发了男女之间因爱情受到挫折而痛苦忧伤的心情。先说说牛郎织女的故事：据说在很久之前，有一个孩子叫牛郎，父母双亡，只好靠哥嫂照看。可嫂子对他很不好，给他吃剩饭，穿破衣裳。一次，嫂子给他出了个难题：“你放的是九头牛，回来时必须给我领回十头牛来，否则你就永远不要回这个家！”嫂子说这话的意思就是撵他出去，不想让他再回来。可是，牛郎遇 驱蚊神器 室内 驱蚊灯 到一位高人，告诉他在山上的某一个地方，有一头没人要的生了病的老
By CC3344, March 10, 2023 @ 2:53 pm
潼关古诗原文及翻译（潼关谭嗣同原文赏析）终古高云簇此城，秋风吹散马蹄声。河流大野犹嫌束，山入潼关不解平。注释选自《谭嗣同全集》（中华书局1981 瑜伽垫防滑 年版）。谭嗣同（1865-1898），字复生，号壮飞，湖南浏阳人，清末维新派政治家、思想家，戊 夏季平底单鞋女 戌变法“六君子”之一。潼关，在今陕西潼关北，关城临黄河，依秦岭，当山西、陕西、河南三省要冲，历来为军事重地。终古：久远。簇：簇拥。束：拘束。山入潼关：指秦岭山脉进入潼关（以西）。译文久远的高云簇拥着潼关古城，猎猎的秋风吹散了清脆的马蹄声。奔腾的黄河水流入大平原仍闲拘束，秦岭山脉至潼关（以西）再也不知何谓平坦。谭嗣 遮阳帽骑车 同写这首诗时才十多岁，当时随父赴甘肃上任，途经陕
By CC0265, March 10, 2023 @ 2:54 pm
小学描写蓝天白云的优美 裙子半身裙百褶 句子（一句话赞美蓝天白云）1、我想成为我的天空中的白云， 冰丝床笠单件 悠闲自在，可以两耳不闻窗外事，可以跳出三界外，不在五行中。可以自由自在，不管不顾，体验没有重量的感觉。当看到火灾时，还可以化身为丝丝细雨救人于水火之中。2、我喜欢蓝色，我喜欢天空的 雅顿白茶 蓝色，所以我喜欢仰望天空，所以仰望天空时，我可以找到我的快乐。于是在我难过时仰望天空，尽避那时的天空很灰，我也会找到一种浩瀚的感觉，于是难过可以变得渺小;于是在我想念我曾经的那些朋友时，仰望天空，尽避那时他们不一定也在仰望，可是当他们也仰望天空时，那云层里会有我的祝福;于是在我不小心想起你时，仰望天空，云会把我的祝福和思念传送给你。3、天空
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释迦牟尼最经典的4句话语录（适合发朋友圈的佛家禅语）一、无论你遇见谁，都是在你生命中该出现的人。这意味，没有人是因为偶然进入我们的生命 交通锥形筒 。每个在我们周围，和我们有互动的人，都代表一些事。也许要教会我们什么，也许要协助我们改善眼前的一 胖妹妹大码雪纺上衣 个情况。二、无论发生什么事，那都是唯一会发生的事。我们所经历的事，不可能以其它的方式发生，即便是最不重要的细节也不会。无论发生什么事，那都是唯一会发生的，而且一定要那样发生，才能让我们学到经验以便继续前进。生命中，我们经验的每一种情境都是绝对完美的，即便它不符我们的理解与自尊。三、不管事情开始于哪个时刻，都是对的时刻。每一件事都正好是在对的时刻开始的 鞋子女凉鞋平底 ，不早也不晚。当我
By CC5135, March 10, 2023 @ 6:10 pm
人 旅游鞋男夏款 生感悟日志（正能量励志人生感悟）生活随笔：给自己的人生感悟田野上 增高鞋夏季男 的岁月，恰是人生依旧不舍的时光。浮沉总是匆匆，兴衰总是如那流水一般在与指尖的告别中，贪恋着世间万物的美好，思念那烟火气息中所有的温暖香甜。但是人事已非，繁华已 惠威d300 落幕。往事随风，不堪回首。只有那些不堪的往事之殇，依然在没有着落的过往烟云里，细细地回味思索那伤往事枕寒流。如今多少年已经过去，只是牵挂一直在心里难以释怀。口中默默地吟诵着那一句：偕老白头情难尽，双全福贵同姻缘，倚扶侍从堂前敬，一年一度共寝食。曾经的心早已随风而散。曾经情的往事已成熟悉的旧闻，一切终会在念与不念和忘与不忘之间徘徊，间或随即又是莞尔一笑，一切都是又变得风轻云淡
By CC9032, March 10, 2023 @ 6:11 pm
清平乐春归何处宋黄 高达模型万代 庭坚翻译（清平乐古诗原文拼音版）清平乐◎黄庭坚春归何处？寂寞无 电视柜旁边的摆件落地 行路。若有人知春去处，唤取归来同住。春无踪迹谁知？除非问取黄鹂。百啭无人能解，因风飞过蔷薇。【译文】春天回到哪里？周遭一片寂寞，找不到它回去的路径。要是有人知道春天归去之处，请叫它回来与我同住。可是春天去得无影无踪谁会知道 手指画印泥 呢？除非去问黄鹂。它絮絮叨叨地说着，但没人能够理解，它趁着清风飞过了蔷薇花丛。【赏析】这是一首惜春之作。全词处处是痴语，看似无理，却将惜春恋春的情怀表达得淋漓尽致，达到了一种“无理而妙”的境界，构思精巧，多用曲笔，饶有变化。春归之际，词人深感时光易逝，心中无比落寞。在他六神无主的时候，突然异想天开
By CC7160, March 10, 2023 @ 6:13 pm
三十六计全文及解释（孙子兵法全文及解释）第一计：瞒天过海【原文】备周则意怠，常见则不疑。阴在阳之 淳风派虎皮凤爪网红小吃休闲零食鸡爪子即食香辣香卤味真空熟食 内，不在阳之对。太阳，太阴。【译文】自认为防备周到的，容易产生 倩碧302 麻痹松懈的思想；平常看惯了的，往往就不再怀疑。秘密蕴藏在暴露的事物中，而不是与暴露的事物相排斥，非常公开的事物经常蕴藏着非常的机密。第二计：围魏救赵【原文】共敌不如分敌，敌阳不如敌阴。【译文】与其攻打集中的正面之敌，不如先用计谋分散它的兵力，然后各个击破；与其主动出兵攻打敌人，不如迂回到敌人虚弱的后方，伺机歼灭敌人。第三计：借刀杀人【原文】敌已明，友未定，引友杀敌，不自出力，以损推演。【译文】敌方已经明确，而盟友的态度还未明朗，要诱使盟 电饭煲1一2人 友
By CC7623, March 10, 2023 @ 6:14 pm
秋 马桶盖套 天古诗有哪些（秋天古诗30首欣赏）文人笔下，秋天各有特 男士纯牛皮腰带 色。白露过后，秋意渐浓。天凉好个秋，天凉好读书。初秋时节，凉意拂人，翻翻唐诗宋词，感受一下诗人词人的秋天景色，真是别有一番滋味在心头。“雁啼红叶天，人醉黄花地，芭蕉雨声秋梦里。”“落叶他乡树，寒灯独夜人。”秋天，总是酝酿着明朗而沉稳的诗意，深得文人墨客钟情。同一个秋天，不同的心境。这30 紧身牛仔裤小个子 首描写秋天的诗词，你最喜欢哪一句？在描写秋天的诗词中，小编最喜欢的就是这句，山明水净夜来霜，数树深红出浅黄。山眀水净，黄叶翩飞，天气凉爽，想想都好像在深山之中。那么你最喜欢的是哪一首呢？随机推荐： 马桶盖套 男士纯牛皮腰带 紧身牛仔裤小个子 商务笔记本子高
By CC1245, March 10, 2023 @ 6:16 pm
思念家乡古诗名句（关于思念家乡的古诗词句）你有多久没回家了？还记得你离家的时候，父 纯收音机老人专用 母殷切的叮嘱吗？寒冷冬日，你是否更加怀念家中的温暖？十 耐克max air 一首思念家乡的古诗词，看到一半已泪流满面！登秦岭唐-司空曙南登秦岭头，回首始堪忧。汉阙青门远，商山蓝水流。三湘迁客去，九陌故人游。从此思乡泪，双垂不复收。秋夜不寐寄崔温进士唐-周朴愁多难得寐，展转读书床。不是旅人病，岂知秋夜长。归乡凭远梦，无梦更思乡。枕上移窗月，分明是泪光。题户诗唐-唐末僧枕有思乡泪，门无问疾人。尘埋床下 情侣钥匙扣 履，风动架头巾。洋州思乡宋-窦裕家依楚水岸，身寄洋州馆。望月独相思，尘襟泪痕满。雨夜宋-张咏帘幕萧萧竹院深，客怀孤寂伴灯吟。无端一夜空阶雨，
By CC6621, March 10, 2023 @ 7:39 pm
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By CC7524, March 10, 2023 @ 7:42 pm
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By CC5878, March 10, 2023 @ 7:43 pm
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By CC5778, March 10, 2023 @ 7:45 pm
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By CC9020, March 10, 2023 @ 7:46 pm
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By CC7104, March 10, 2023 @ 8:27 pm
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By CC8033, March 10, 2023 @ 8:28 pm
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By CC0335, March 10, 2023 @ 8:30 pm
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By CC8680, March 10, 2023 @ 8:32 pm
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By CC4594, March 10, 2023 @ 8:33 pm
清明节起源传说（清明节的寓意和象征简短 女童外套2021秋冬新款加绒加厚洋气 ）清 禅意花器摆件 明节（又称“光明节”）在阳历的4月4日或5日，是中国二十四节气之一。从那时起，温度开始升高，降雨量增加，这表明这是春季犁耕和播种的关键时期。因此，该节日与农业有着密切的关系。但是，它不仅是季节性的象征，而且是一种文化的象征。这也是对死者，春季郊游和其他活动表示敬意的一天。 起源据说，清明节最初是为了纪念一个生活在春秋战国时期（公元前 哺乳背心产后春秋 770年-476年）的人而命名的。春秋时晋文公重耳流亡，途中又累又饿，随臣介子推从大腿上割下一块肉，为重耳煮汤，重耳得知后感激涕零。晋文公即位后封赏群臣时忘了介子推，介子推则不慕名利隐居绵山。重耳追悔莫及，火烧绵山以寻找，事
By CC4177, March 10, 2023 @ 8:48 pm
七言诗句唯美古风（七言古诗 扎染染料 句大全摘抄）说到七律，杜甫和李商隐是两座难以逾越的高峰。杜甫的律诗天下无敌，就连李白也难以望其项背，唯有李商隐能匹敌一二。杜 梨形身材裤子小个子女八分裤 甫贵在赅博醇厚，李商隐贵在精微幽深。下面是小编精选的17首最有名气的七律唐诗，大家慢慢赏读。1、《登高》【唐】杜甫风急天高猿啸哀，渚清沙白鸟飞回。无边落木萧萧下，不尽长江滚滚来。万里悲秋常作客，百年多病独登台。艰难苦恨繁霜鬓，潦倒新亭浊酒杯 女袜子潮网红款超火 。点评：无需多言的伟大作品，将天地万物之萧瑟、苦闷、悲愤、衰病之态写到了极致。被誉为古今七律第一！2、《黄鹤楼》【唐】崔颢昔人已乘黄鹤去，此地空余黄鹤楼。黄鹤一去不复返，白云千载空悠悠。晴川历历汉阳树，芳草凄凄
By CC8984, March 10, 2023 @ 8:49 pm
圣诞节贺卡祝福语简短一句话（送同事贺卡温馨简短话语）又到了一年一度的圣诞节，在欢度佳节的时候当然要给家人朋友送上圣诞祝福啦，小编为您整理了2018年 男童春秋外套夹棉 最新的圣诞节祝福语，还整理了圣诞贺卡的寄语供大家参考。圣诞节祝福语简短20字以内圣诞节祝福语简短20字以内01 我要把一切喜讯变成奶油，所有祝福柔成巧克力，所 威露士沐浴露 有快乐做成蛋糕答谢你，然后说声圣诞快乐！02 送你一颗聚满礼物的圣诞树，顶上最大最亮的那颗星是我的真心，挂的是我的痴心，制造材料的是我一颗不变有心：圣诞快乐！03 我默默祈祷愿圣诞老人能在即将到来的圣诞之夜送我一个与我牵手同伴共同度过这奇妙的圣诞夜，结果他将你送给我。04 考虑到24小时之内 小孩写字桌椅 将
By CC0057, March 10, 2023 @ 8:51 pm
色彩丰富成语有哪些（形容色彩丰富的四字词语）自然界中万物都有着各自不同的色彩，颜色对我们人类来讲，其实只不过 韩版宽松中长款短袖t恤女夏季2022新款网 是光线在客观 牛仔哈伦裤女九分裤 世界中对我们眼睛造成的一种刺激，准确地讲，是一种生理反应。一个人当他呱呱落地，一睁开眼睛，借助着光芒，首先感受到的就是扑面而来的各种颜色。五彩缤纷的这些色彩，是我们人类大脑中最先接收到的信息。所以，视觉作为人类获取信息的渠道之一，正是由于眼睛能将各种可见的光信号，通过视神经转化成电信号传递给大脑，经由低级到高级的视觉皮层逐级整合显象，形成了一幅包含有色彩的完整画面。色彩的文化内涵古往今来，人们最初对颜色概念的认识，都源自大自然的天然色彩，金色的朝霞、蔚蓝色的天空、鲜红的血液 ukiss睫毛定型膏 …
By CC1740, March 10, 2023 @ 8:53 pm
思乡的诗句有哪些（描写思乡怀亲的诗句）立冬过后，黑夜渐长，寒风渐凉。寒风徐徐吹来的漫漫长夜里，一壶温酒、一杯热茶，足以沁人心、暖人胃。但梦还未实现，人还在外打拼 男士双肩包2021新款 ，故乡的家人还在默然等待。冬天来了，乡愁更浓了，10首思乡的诗词，让人怎能不思乡！思乡作唐-捧剑仆泸北行人绝，云南信未还。庭前花不扫，门外柳谁攀。 飓风战魂2 坐久销银烛，愁多减玉颜。悬心秋夜月，万里照关山。思乡宋-陈氏阆苑蓬山道路长，海天愁思正茫茫。回肠一似桑乾水，万转千盘绕故乡。陇头流水歌三叠明-张时彻残月宝刀白，微霜陇树黄。笛中闻折柳，那得不思乡。思乡明-陈繗水隔江河云隔空，几番离思水云中。乡关日暮知何处，云自西飞水自东。思乡明-兰江濋公生涯 大码瑜伽服胖mm200斤 霜
By CC6077, March 10, 2023 @ 8:54 pm
史记廉颇蔺相如列传翻译（廉颇蔺相如列传原文翻译及赏析）廉颇是赵国的优秀将领。赵惠文王十六 七分袖打底衫女 年，廉颇担任赵国的大将，去攻打齐国，大败齐 休闲裤子男2022夏季薄款冰丝速干九分裤 军，夺取了阳晋，被任命做上卿，凭他的勇猛善战在诸侯各国之间出了名。蔺相如是赵国人。做赵国宦官头目缪贤的门客。赵惠文王的时候，得到楚国的和氏璧。秦昭王听到了这件事，派人送给赵王一封信，愿意用十五座城池请求换取这块宝玉。赵王跟大将军廉颇及许多大臣商议：想把这块宝玉给予秦，秦国的那些城池恐怕得不到，白白地被欺骗；想不让给秦国吧，又担心秦国的大军马上打过来。（因 马桶刷家用无死角 带底座 此）商量不出结果来，想找个可以出使去回复秦国的人，又没有找到。宦官头目缪贤说：“我的门客蔺相如可以出使。”赵王问：
By CC5527, March 10, 2023 @ 8:56 pm
商山早行古诗怎么读（商山早行注音版和解释）品读唐诗《商山早行》温庭筠晨起动征铎，客行悲故乡。鸡声茅店月，人迹板桥霜。槲叶落山路，枳花 飞行员夹克外套女春秋 明驿墙。因思杜陵梦，凫雁满回塘。＂晨起动征铎，客行悲故乡＂，＂铎＂指大铃。这里指悬 peco法棍包 在马身上的铃；＂动征铎＂，指驾马车上路，铃铛发出响声。在这一联中，诗人用词不多，却写出了旅途早行时的凄清景象：清晨，天还没亮，诗人动身起程了，他怀着对故土的留恋赶车上路。马铃在幽寂的小路上叮当作响。＂鸡声茅店月，人迹板桥霜。＂，＂茅店＂，指客店。残月之下的茅店显得十分朦胧，几声鸡鸣从那里传来，诗人行至板桥，那落满白霜的板桥，早已留下了行人的痕迹。＂槲叶落山路，枳花明驿墙。＂，＂槲＂ 圆领薄款冰丝短袖t恤女上衣针织衫 ，
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纳兰词最出名的句子（纳兰性德的最美十首词）在清代文学史上，纳兰性 手提小包包迷你 德的地位很高。虽然他只活了30岁，但是却留下了很多精彩的诗词。他的诗词创作，多有 蕉下防晒衣女夏季电动车长款全身防晒服防紫外线 对于人生、命运的思考，用词婉约，用情极深，且极富哲理韵味，一直受到人们的喜欢。尤其是纳兰性德最著名的一首清词，写出女子凄婉命运，前两句更是妇孺皆知。且看：人生若只如初见，何事秋风悲画扇。等闲变却故人心，却道故人心易变。(一作：却道故心人易变)骊山语罢清宵半，泪雨霖铃终不怨。(一作：泪雨零 / 夜雨霖)何如 中年妈妈时尚洋气40岁50女装夏装 薄幸锦衣郎，比翼连枝当日愿。这首词的题目是《木兰花·拟古决绝词柬友》，虽然看上去像是一首七律古诗，但是却更符合“木兰花”这一词牌名的表现形式，所以这是
By CC0257, March 11, 2023 @ 1:06 am
普罗米修斯盗火的故事（普罗米修斯盗火的意义）普罗米修斯是希腊神话中的一个人物，他从太阳神阿波罗那里盗走火种送给人类，给人类带来的光明，是一位让人敬仰的神 睡衣夏女短袖短裤 。他因此而受到宙斯的处罚，被绑在高加索山，每日忍受风吹日晒和鹫鹰啄食，后被赫拉克勒斯救出。传说地球上本没有火种，那时人类的生活非常困苦。没有火烧烤食物，只好 文具夹子 吃生的东西，没有火来照明，就只好在那无边的黑暗中，度过一个又一个漫长的夜晚……众神之王宙斯同意把火种给人类，但是他要求人类必须用一头牛来做献祭。普罗米修斯想出一个妙计。给宙斯献祭的时候，普罗米修斯给宙斯的牛被分成两部分：第一部分是生的牛肉，但没有牛皮;第二部分是皮包着骨头，但是浇上了香香的 u领修身t恤 牛
By CC8058, March 11, 2023 @ 1:08 am
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By CC2446, March 11, 2023 @ 1:10 am
朋友心情不好怎么安慰（开导心情不好暖心的话）说真的，当朋 tb女包正品 友 粉色上衣 短袖 心情不好的时候，如何给予对方及时、有效地安慰，能展现出一个人EQ水准的高低。这句话可不是乱讲的。因为从心理学的角度来分析，EQ 不仅包括如何管理自身情绪的能力，还包括如何调控他人情绪的能力。而如何有效地安慰别人，就属于调控他人情绪的能力。在现实生活中，有很多人拥有一颗安慰别人的心，但是说出来的话却是刀刀伤人，反而把对方的心情搞 荞麦面0脂肪减肥 得更加糟糕。接下来，我们就来剖析几种容易适得其反的安慰人的方式。第一，看轻事情的重要性。比方说，你的好朋友明天要去考驾照。他感觉很焦虑，因为之前的两次考试他都失败了。在考试前一天，他过来向你寻求安慰。你张口就给他一
By CC3106, March 11, 2023 @ 1:11 am
木兰诗原文及翻译注释赏析（木兰诗的意思）小墨：今天带给大家的“ 加肥加大女装夏天 每日一课”是文言文：《木兰诗》。《木兰诗》是中国南北朝时期北方的一首长篇叙事民歌，也是一篇乐府诗。记述了木 成人用品男用实体 兰女扮男装，代父从军，征战沙场，凯旋回朝，建功受封，辞官还家的故事，充满传奇色彩。《木兰诗》【郭茂倩（编者）·宋】唧唧复唧唧，木兰当户织。不闻机杼声，惟闻女叹息。当（dāng）户：对着门或在门旁，泛指在家中。惟：只。叹息声一声接着一声传出，木兰对着房门织布。听不见织布机织布的声音，只听见木兰在叹息。问女 耐克官方旗舰店正品短袖女 何所思，问女何所忆。女亦无所思，女亦无所忆。昨夜见军帖，可汗大点兵，军书十二卷，卷卷有爷名。阿爷无大儿，木兰无长兄，愿为市鞍马，
By CC3452, March 11, 2023 @ 1:13 am
描写春天的四字词语有哪些（赞美春天的成语）春 满 人 间读音：chūn mǎn rén jiān出处：宋•曾巩《班春亭》：“山亭尝自绝浮埃，山路辉光五 女大童套装秋季2021新款时尚洋气 马来。春满人间不知主，谁言炉冶此中开？”释义：指生机勃勃的春意充满人间。例句：《圆瑛大师文汇•春满人间 宝宝运动鞋男 花满林》：“春满人间花满林，檐前鸟语弄轻音。”春 和 景 明读音：chūn hé jǐng míng出处：宋•范仲淹《岳阳楼记》:“至若春和景明，波澜不惊，上下天光，一碧万顷。”释义：春光和煦，风景鲜明艳丽。例句：明•王錂《春芜记•访友》：“喜今日春和景明，昼闲无事，不免去看他一遭。”春 风 夏 雨读音： chūn fēng xià yǔ出处： 自行车式电动车 汉
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天净沙秋思被誉为什么之祖（为什么马致远是秋思之祖）马致远的《天净沙·秋思》为何被称为 虎冢鞋tiger儿童 秋思之祖？我们要搞清楚一点，何为“秋思”？是指秋天的相思，秋天的思绪，还是秋 正式场合面试连衣裙 天的思恋？大多数人认为“秋思”自然是指秋天的思绪。可是论写秋思，马致远实在无法论“祖”，我们若选出屈原的《楚辞》，倒是说得过去，即使不算春秋战国，两汉、魏晋南北朝的诗人各有千秋，写秋天的作品如过江之鲫，再到盛唐、两宋，豪放、婉约，唐诗宋词，那种文体没有将秋写尽？马 韩版女装欧货潮套装 致远的这首小令在元曲之中是翘楚，可也只是“深得唐人绝句之妙境”（王国维语），也就是唐人的境界罢了，哪里敢称“祖”？那到底是什么原因呢？首先，这个“秋思”中的“思”应该是发第四声
By CC7368, March 11, 2023 @ 6:17 am
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岭外音书断是什么意思（书断全文及译文）诗人宋之问原作岭外音书断，经冬复历春。近乡情更怯，不敢问来人。释意:在诗词中述说了 3一15岁儿童洗发水 ，因他本人长年客居异地，与亲人们早已断绝了音讯和书信的来往。当时在返乡的途中，离家是越来越近， 三角哈衣a类 反而自感心虚害怕了起来，甚至都不敢向家乡的人们打听消息了。这就是诗人在原诗词中留下的心中感慨和自叹，都云作者明，后人观悟感，想解更透彻，去查唐诗篇。观唐诗留后语，而在現今的世上，有很多出门远离家乡在外辛勤工作的人们，年节里因为种种原因不能回家乡，也有想家念亲人的时候。可如今的时代一直都在向前发展得更进步了，无论离家多少时候，再不用怕和亲人断了联系，网络和 新款手提包女2021年爆款 手机通讯都很方便，随时都可了解
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By CC0957, March 11, 2023 @ 8:48 am
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刻舟求剑是什么故事类型（刻舟求剑的故事简介）刻舟求剑是寓 开心果无添加原味 言故事演化而成的成语，出自《吕氏春秋·察今》。一般比喻人的眼光未与客观世界的发展变化同步，不懂得根 卡诗洗发露小样 据实际情况处理问题。也比喻办事刻板，拘泥而不知变通。战国时，楚国有个人有一把宝剑，他十分爱惜，不论到什么地方，都带着这把宝剑。有一次他外出坐船渡江。船行至江心，楚人一不小心，就把随身携带的宝剑滑落到江中，他赶紧伸手去抓，可惜为时已晚，宝 咖啡杯子轻奢 剑已经落入江中。只见楚人也不着急，而是拿了一把小刀，在船舷上剑掉下去的地方，刻了一道深深的记号，并且自言自语道:“我的剑就是从这儿掉下去的!我要刻上一个记号。”船继续前行，待船靠岸后，那楚人站起身，在船上刻有记
By CC6765, March 11, 2023 @ 1:41 pm
教师节诗句赞美老师简短(赞美 睡衣夏女短袖可爱 老师的经 法式半身裙高级感 典古诗词)教师节，这些诗句送老师。祝老师们教师节快乐！1、“古之学者必有师。师者，所以传道授业解惑也。”——唐·韩愈《师说》释义：从古至今求学的人都有老师。老师是传授道理、教授学业、解释疑难问题的人。2 法式复古连衣裙女夏季新款辣妹纯欲风 、“黑发积霜织日月, 粉笔无言写春秋。”——佚名《教师颂》释义：在一日日的辛勤工作中，老师的黑发渐渐变得斑白。一只只粉笔无言见证了老师兢兢业业的每一个春秋。3、“半亩方塘长流水，呕心沥血育新苗。” ——佚名《板书有感》释义：小小的黑板就像半亩方塘，要想有源源不断的活水流淌，就得确保源头的清澈与不竭，这就需要每一位老师呕心沥血地为学生们努力和付出，用心培育每一棵
By CC9481, March 11, 2023 @ 3:10 pm
中国古代的友情故事原 一次性床单被罩 文（关于友情的故事）宗世林汉末，南阳宗世林与魏武同时，而薄其为人，不与交。及武帝拜司空，总朝政。从容问宗曰 运动套装女设计感小众 ：”可以交未。”答曰：”松柏之志犹存。”即忤旨见疏，位不配德。而文帝兄弟每造其门，必拜床下。其礼重如此。（出《世说》）【译文】汉朝末年，南阳郡的宗世林跟死后被谥为魏武帝的曹操，同时在朝作官。宗世林看不上曹操的人品，不与他交往。等到曹操任司 泳衣微胖女孩显瘦 空，全权总揽朝政后，很平静地问宗世林：”现在我们可以结交了吧。”宗世林回答说：”我的志向象松柏一样，永远也不会改变的。”宗世林触犯了曹操，与曹操关系疏远，也没得到重用。但是，曹操的儿子曹丕他们每次去宗世林家，都在床前向宗世林行跪拜的大礼
By CC4195, March 11, 2023 @ 3:12 pm
中秋短信祝福语简短（中秋祝福语简洁大气）一、中秋明月 hiphop街舞套装 分 猕猴桃苗 外圆，千家万户共团圆，亲朋齐聚共赏月，花好月圆满笑颜，送上一份小祝福，徒添喜气伴幸福，中秋家合人团圆，幸福美满万年长，中秋快乐！二、陈年老酒照月圆，良辰美景喜连年，无限祝福连成串，幸福生活比蜜甜！祝我所有的朋友中秋快乐、幸福安康！三、一轮圆月天边挂，普照团圆千万家， 吸水速干地垫 又是一年中秋夜，欢天喜地庆佳节。四、祝节日快乐！愿您在这中秋佳节里，合家团圆，万事如意，身体健康！五、今年中秋将至，我祝愿你，我的客户好友，中秋收获满满，顺利如愿！六、中秋佳节，愿你阖家欢乐，美满幸福！七、梦想圆圆都实现，成功圆圆舞翩跹。八、中天皓月明世界，遍地笙歌乐团圆。九、美
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By CC8756, March 11, 2023 @ 7:06 pm
诗歌 私人定制连衣裙 的故事有哪些（ 碧玺吊坠 女款 有趣的诗歌以及背后的故事）1.白住长安当时白居易住在长安。11岁时，拿着个名片（当时有名片的）去请宰相指教。当时宰相看到白居易这三个字就笑着说：“长安米很贵的，而你是白白居住在长安很容易。”宰相继续往下看（ 沙滩鞋男防滑软底 名片下面一般都会有自己作的诗，用来显示自己的文采）看到：离离原上草，一岁一枯荣。野火烧不尽，春风吹又生。远芳侵古道，晴翠接荒城。又送王孙去，萋萋满别情。之后拍案叫道：“有这等文采，可以很容易的在长安白白居住。”2.墓上题诗李白死后遗体葬在采石江头，往来诗人都在他墓上题诗．有人写了一首绝句：采石江边一坯土，李白诗名耀千古。来的去的写两行，鲁班门前掉大斧。3.横槊赋诗建安十三年
By CC4883, March 11, 2023 @ 7:08 pm
婚礼喜糖礼盒 清明节诗词有哪些（清明古诗全解诗意）有关清明节古诗词有哪些1.《清明》（唐）杜牧清明时节雨纷纷，路上行人欲断魂。借问酒家何处有？牧 男童外套春秋款薄 童遥指杏花村。2.《寒食》（唐）韩翃春城无处不飞花，寒食东风御柳斜。日暮汉宫传蜡烛，轻烟散入五侯家。3.《清明夜》（唐）白居易好风胧月清明夜，碧砌红轩刺史家。独绕回廊行复歇，遥听弦管暗看花。4.《清明后登城眺望》（唐）刘长卿风景清明后，云山睥睨前。百花如旧日，万井出新烟。草色 颈椎病专用按摩器 无空地，江流合远天。长安在何处，遥指夕阳边。清明节5.《清明即事》（唐）孟浩然帝里重清明，人心自愁思。车声上路合，柳色东城翠。花落草齐生，莺飞蝶双戏。空堂坐相忆，酌茗聊代醉。6.《清明》（唐）孙
By CC9819, March 11, 2023 @ 7:10 pm
时开头的成语故事（有关时开头的成语典故） 01—时不我与【拼音】shí bù wǒ y 地暖清洗机脉冲洗一体机 ǔ【解释】我与：“与我”的倒装；与 中国李宁短袖宽松情侣装 ：等待。时间不会等待我们的。嗟叹时机错过，追悔不及。【出处】《论语·阳货》：“好从事而亟失时，可谓知乎？”曰：“不可。”“日月逝矣，岁不我与。”孔子曰：“诺，吾将仕矣。”解释：“喜欢参与政事而又屡次错过机会，这可以说是智吗？”（孔子回答）说：“不可以。”（阳货）说：“时间一天天过去 睡袋宝宝春秋 了，年岁是不等人的。”孔子说：“好吧，我将要去做官了。”【近义词】时不再来 时不我待 白驹过隙 时不待我【反义词】亡羊补牢【造句】真是日月如梭,光阴似箭,时不我与,转眼间又过了一年。 02—成语故事
By CC3723, March 11, 2023 @ 7:11 pm
诗经中关于爱情的诗有 尔木萄唇釉 哪些（诗经最美的十首爱情诗）在《诗经》中，歌颂爱情的 夏季套装女两件套裤子 篇章占了很大的一部分。最为著名的如《关雎》、《蒹葭》、《桃夭》等。今天就为大家分享其中的10首爱情诗，希望大家喜欢。1《关雎》关关雎鸠，在河之洲。窈窕淑女，君子好逑。参差荇菜，左右流之。窈窕淑女，寤寐求之。求之不得，寤寐思服。悠哉悠哉，辗转反侧。参差荇菜，左右采之。窈窕淑女，琴瑟友之。参差荇菜，左右芼之 鞋子女夏平底 。窈窕淑女，钟鼓乐之。《周南·关雎》是诗经的开篇之作，冠于诗三百之首，在中国文学史上占有特殊位置。《关雎》描写的是一位青年对女子一见倾心，而后朝思暮想，辗转反侧，渴望得到女子芳心的心理感受。2《汉广》南有乔木，不可休思；汉有
By CC3934, March 11, 2023 @ 7:13 pm
人生感悟日志（正能量励志人生感悟）生活随笔：给自己的人生感悟田野上的岁月，恰是人生依旧不舍的时光。浮沉总 旅游鞋男夏款 是匆匆，兴衰总是如那流水一般在与指尖的告别中，贪恋着世间万物的美好，思念那烟火气息 增高鞋夏季男 中所有的温暖香甜。但是人事已非，繁华已落幕。往事随风，不堪回首。只有那些不堪的往事之殇，依然在没有着落的过往烟云里，细细地回味思索那伤往事枕寒流。如今多少年已经过去，只是牵挂一直在心里难以释怀。口中默默地吟诵着那一句：偕老白头情难尽，双全福贵同姻缘，倚扶侍从堂前敬，一年一度共寝食。曾经的心早已随风而散。曾经情的往事已成熟悉的旧闻，一切终会在念与不念和忘与不忘 惠威d300 之间徘徊，间或随即又是莞尔一笑，一切都是又变得风轻云淡
By CC4075, March 11, 2023 @ 7:14 pm
清正廉洁的诗句和名言（廉洁自律古诗名句）1、爱人不以理，适是害人；恶人不以理，适是害己。出自清· 红木沙发客厅 魏际瑞《伯子公文》卷八。如果不是出于正理去爱一个人，正是害 斑马jj15笔 了人；要是不以公心去憎恶别人，正是自己害自己。2、公家之利，知无不为，忠也。出自《左传·僖公九年》。对国家有利的事情，只要知道了就没 有不去做的。指只要是有利于国家的事，就一定去做。3、自非禄赐，一毫不受于人。出自《南史·王昙首传》。意指如果不是从俸禄、赏赐 车靠枕颈枕 得到的，绝不从别人那里收取一分一毫东西。4、慎而思之，勤而行之。唐·白居易《策林》思考的时候要谨慎，做事的时候要勤劳。5、以信待人，不信思信；不信待人，信思不信。出自晋·傅玄《傅子·义信》
By CC9887, March 11, 2023 @ 7:18 pm
立春诗句古诗大全（描写春天的简短句子）立春宋-沈与求晓卜农祥正，遥知岁事丰。小桃如有意，欲吐故时红。次韵李举之 孕妇装夏装新款韩版孕妇连衣裙中长款夏季宽松裙子大码孕妇裙 立春四绝句宋-洪适东皇先遣雪清尘，一夜山川眼界新。共喜太平今有象，更将歌舞为迎春。立春日雪中游蒙谷宋-刘敞冰解泉应动，云寒雪 充电器插头 更飞。谷中知律变，林下觉春归。风物如游蜀，衣冠似浴沂。瑶林与碧树，处处竞芳菲。立春宋-薛季宣谁得东君信，风生十万家。土牛占谷麦，灰律动蒹葭。嫩绿萌芳蕊，新红茁绽芽。未能都免俗，春胜插春花。立春明-石宝萱草堂东逢立春，春风堪笑亦堪颦。青青盘菜思纤手，袅袅花枝似玉人。立春日杨户部庐山谪官河南枉道过访明-于慎行轩车来远道，执手意何长。喜对春盘酒，愁分画省香。士龙名入洛 山楂球 ，
By CC0988, March 11, 2023 @ 7:19 pm
惊蛰古诗词有哪些（关于惊蛰的诗词唯美）什么时候，代表春天来了？有人说，看到草儿冒芽了，就知道春天来了；有人说，看到燕子 玲珑骰子安红豆 飞回来了，就代 运动套装男夏季纯棉 表春天来了；还有人说，只有听到惊蛰的一声雷响，才预示着温暖的春天真的来了。一声雷响，带来了惊蛰，也预示着暖春的到来。最美的惊蛰还是在诗词里，诗词君分享十首最美惊蛰诗词，一起来领会春天的美好吧！ 最惊心动魄的惊蛰：震蛰虫蛇出，惊枯草木开。《闻雷》【唐】白居易瘴地风霜早，温天气候催。穷冬不见雪，正月已闻雷。震蛰虫蛇出，惊枯草木开。空余客方寸，依旧似寒灰。惊蛰时节最大的特点就是春雷阵阵 小蛮腰阿甘华夫鞋 。俗话说：春雷惊百虫。是指惊蛰时节，春雷始鸣，惊醒蛰伏于地下越冬的蛰虫。白居易说：天气
By CC6109, March 11, 2023 @ 7:21 pm
励志心灵鸡汤文 遮光帘强遮光 章（正能量简短小故事）烦恼的根源都在自己生气，是因为你不够大度；郁闷 puma草莓鞋 ，是因为你不够豁达；焦虑，是因为你不够从容；悲伤，是因为你不够坚强；惆怅，是因为你不够阳光；嫉妒，是因为你不够优秀。凡此种种烦恼的根源都在自己这里，所以，每一次烦恼的出现，都是一个给我们寻找自己缺点的机会。越计较越痛苦人生，有多少计较，就有多 夏天睡衣女2021年新款全棉 少痛苦；有多少宽容，就有多少欢乐。痛苦与欢乐都是心灵的折射，就像镜子里面有什么，决定于镜子面前的事物。心里放不下，自然成了负担，负担越多，人生越不快乐。计较的心如同口袋，宽容的心犹如漏斗。复杂的心爱计较，简单的心易快乐。抱怨是一种毒药。它摧毁你的意志，削减你的热情。抱怨命运不
By CC1750, March 11, 2023 @ 7:22 pm
林徽因诗集有哪些（林徽因最经典的诗）那一晚那一晚我的船推出了河心，澄蓝的天上托着密密的星。那一晚你的手牵着我的手，迷惘的星夜封锁起重愁。那一晚你和 品牌运动鞋女正品折扣店清仓 我分定了方向，两人各认取个生活的模样。.到如今我的船仍然在海面飘，细弱的桅 连衣裙胖mm遮肚子 杆常在风涛里摇。到如今太阳只在我背后徘徊，层层的阴影留守在我周围。到如今我还记着那一晚的天，星光、眼泪、白茫茫的江边!到如今我还想念你岸上的耕种:红花儿黄花儿朵朵的生动。那一天我希望要走到了顶层，蜜一般酿出那记忆的滋润。那一天我要跨上带羽翼的箭，望着你花园里射一个满弦。那一天你要听到鸟般的歌唱，那便是我静候着你的赞赏。那一天你要看到零乱的花影，那便是我私闯入当年的边境!你来了 打底裙2021秋冬女新款 你
By CC1388, March 11, 2023 @ 7:24 pm
酒徒遇啬鬼文言文翻译（酒徒遇啬鬼文言文翻译及注释）原文昔一人嗜酒，忽遇故人，其故人乃悭吝之徒。嗜酒者曰：“望诣贵 小白鞋夏季 府一叙，口渴心烦，或茶或酒，求止渴耳。”故人曰：“吾贱寓甚遐，不敢劳烦玉趾。”嗜酒者曰：“谅第二三十里耳。”故人曰：“敝寓甚陋，不堪屈尊。”嗜酒 恋心四叶草项链 者曰：“但启户就好。”故人曰：“奈器皿不备，无有杯盏。”嗜酒者曰：“吾与尔相知，瓶饮亦好。”故人曰：“且待吾半日，吾访友毕即呼尔同归。”嗜酒者目瞪口呆。译文从前有一个嗜酒的人，忽然遇到友人，他的友人是个吝啬的人。嗜酒的人说：“希望到你家和你谈谈心，又口渴又心烦，茶也可以酒也可以，只求解渴罢了。”友人说：“我的家离这很远，不敢劳烦您的腿脚。” 宝宝单网鞋 嗜
By CC2970, March 11, 2023 @ 7:25 pm
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By CC5578, March 12, 2023 @ 12:28 am
新年祝福老师的祝福语简短（给老师的新年祝福）送给老师的春节祝福语短信2022【1 美利达自行车配件大全 -20句】1. 假如我能搏击蓝天，那是您给了我腾飞的翅 无线蓝牙耳机 hifi耳机 膀;假如我是击浪的勇士，那是您给了我弄潮的力量，假如我是不灭的火炬，那是您给了我青春的光亮!祝您新年快乐!2. 一曲赞歌唱不尽您的华丽的篇章，一支粉笔却写就了您的人生轨迹;三万桃李报答不了您的如山恩情，三千青丝染霜却谱写出您的精彩人生。愿恩师新年快乐，永远幸福!3. 老师， 高级感连衣裙 v领 祝你在新年里：事业如日中天，心情阳光灿烂，工资地覆天翻，未来风光无限，爱情浪漫依然，快乐游戏人间。4. 新年来临送祝福，家中进棵摇钱树，树上开朵如意花，花落结个开心果，爱情鸟儿常相伴，幸福鸟儿
By CC0931, March 12, 2023 @ 12:30 am
有关羊的成语有哪些（带羊字的成语大全）第一个字是羊羊肠小道、羊续悬鱼、羊质虎皮、羊羔美酒、羊狠狼贪羊很狼贪、羊落虎口、羊头狗肉、 松土神器家用 羊肠九曲、羊肠鸟道羊肠小道、羊续悬鱼、羊质虎皮、羊羔美酒、羊狠狼贪羊很狼贪、羊落虎口、羊头狗肉、 大胸显小内衣女夏季薄款 羊肠九曲、羊肠鸟道羊鹤不舞、羊质虎形、羊车望幸、羊公之鹤、羊歧忘返羊头马脯、羊入虎群、羊肠小径、羊体嵇心、羊真孔草羊胃羊头第二个字是羊亡羊补牢、羚羊挂角、羝羊触藩、问羊知马、十羊九牧以羊易牛、瘦羊博士、亡羊补牢、羚羊挂角、羝羊触藩问羊知马、十羊九牧、以羊易牛、瘦羊博士、饮羊登垄悬羊击鼓、羔羊素丝、与羊谋羞第三个字是羊虎入羊群、虎入羊群、虎皮羊质、鸟道羊肠第四个 眼睛清洗机超声 字是羊顺手牵羊
By CC9256, March 12, 2023 @ 12:32 am
夜雨寄北李商隐翻译（夜雨寄北古诗赏析 抹胸式内衣 ）原文夜雨寄北唐•李商隐君问归期未有期，巴山夜雨涨秋池。何当共剪西窗烛，却 迷你洗衣机全自动小型家用 话巴山夜雨时。译文您问归期，归期实难说准，巴山连夜暴雨，涨满秋池。何时归去，共剪西窗烛花，当面诉说，巴山夜雨况味。注释1.寄北：写诗寄给北方的人。诗人当时在巴蜀（现在四川省），他的亲友在长安，所以说“寄北”。这首诗表达了诗人对亲友的深刻怀念。2.君： 小车底盘 对对方的尊称，等于现代汉语中的“您”。3.归期：指回家的日期。4.巴山：指大巴山，在陕西南部和四川东北交界处。这里泛指巴蜀一带。5.秋池：秋天的池塘。6.何当：什么时候。7.共：副词，用在谓语前，表示动作行为是由两个或几个施事者共同发生的。
By CC8760, March 12, 2023 @ 12:33 am
晏子谏杀烛邹文言文翻译（晏子谏杀烛邹的启示）【原文】景公①好弋②，使烛邹③主鸟而亡之。公怒，召吏欲杀之。晏子曰： “烛邹有罪三，请数之以 人体电子秤 其罪而杀之。”公曰：“可。”于是召而数之公前，曰：“烛邹！汝为吾君主鸟而亡之，是罪一也；使吾君以鸟之故杀人，是罪二也；使诸侯闻之，以吾 婴儿夏季防晒帽 君重鸟而轻士 ，是罪三也。数烛邹罪已毕，请杀之 。”公曰：“勿杀，寡人闻命⑤矣。”（选自《晏子春秋》）【注释】①景公：春秋后期齐国国君。②弋（yì）：带有绳子的箭，用来射鸟。此处为动词，指用弋射。③烛邹：齐国大夫。④数（shǔ）：历数；列举。⑤闻命：接受教导。命，命令，这里指教导。【评析】讲话是一门艺术，说得好满堂喝彩，皆大欢 牛仔裤修身直筒女 喜
By CC0371, March 12, 2023 @ 12:35 am
形容凄凉的诗句（ 智能摄像头家用 现实无奈伤感的9首凄凉诗）人生之情绪，无非悲喜二字。而在是诗歌中，最能感发人心的也是这两种诗歌。但二者相较，还是悲凉的诗歌更容易引起读者的共鸣。 甜辣酷女装套装春 究其原因，大概有两点。第一，诗歌之所以人人喜欢，就在于诗歌与读者之间发生的共情作用。因为，唯有能与读者达成“于我心有戚戚焉”的诗歌，才能打动人心。在诗歌中，读者读到的不再是诗人的故事，而是读者自己的生活。第二，这与人生的状态有关。有作家说，幸福的生活都是一样的，而悲剧的生活则人人不同。人生不如意，十之八 鸿星尔克旗舰店官网男鞋 九，于人生而言，喜悦快乐并非人生的常态，而悲泣忧愁才是人生最常见的风景。因此，无论是中国还是外国的诗歌，总是悲剧占主流位置。中国文化受到
By CC2436, March 12, 2023 @ 12:36 am
形容学识渊博的成语有哪些（描写才华出众的成语）描写才华出众的成语1.风流潇洒：英俊有才华，气度超脱。2 女单鞋2022年新款平底 .晦迹 饿了么外卖券 韬光：晦、韬：隐藏；迹：踪迹；光：指才华。指将自己的才华隐藏起来，不使外露。3.才高运蹇：蹇：不顺利。才学很高，但命运不好，无法施展才华。含怀才不遇之意。4.八斗之才：才：才华。比喻人极有才华。5.韬光韫玉：隐匿光采，韫藏宝玉。比喻隐藏才华，不露光芒。6.议论英发：指崇论弘议， 专业防晒衣女 才华横溢。7.韬光晦迹：韬光：把才华隐藏起来；晦迹：不让人知道自己的踪迹。指隐藏才能，不使外露。8.才华超众：才华：表现于外的才能。才能远远超出一般人。9.韬晦之计：韬：把才华隐藏起来；晦：不让人知道自己的踪迹。指
By landscaping and lawn care near me, March 12, 2023 @ 12:38 am
You can have everything!
By CC7652, March 12, 2023 @ 7:58 am
山茶花的诗句有哪些（赞美山茶花的诗句）我们欣赏三月的春光，最喜欢的是去看姹紫嫣红的花朵，如樱花、桃花、杜 天猫精灵in糖 鹃花等。但是对从冬天一路走过来的山茶花，有人却不太去注意。实际上山茶花的花期很长，它从十月份 山茶花不对称耳环 就开了，一直要开到翌年的五月份。之所以人们喜欢簇拥着去看樱花桃花，是因为这些花开的时候，只是密麻麻的花朵，叶子还没有长出来。而且花的颜色也非常的秾艳，十分地招蜂引蝶。人们大多是好花，不好叶子。好热闹，不好安静。而山茶花显得端庄高雅，很有尊严。它不但花大，而且色调多样又大气又沉稳。它开花不只是开那孤零零的花，它还要那绿油油的革质的叶子托着，就像前呼后拥。格外丰盈美 热敏打印纸a4 满，雍容富贵。山茶花的历史也很悠久，汉唐
By CC7665, March 12, 2023 @ 7:59 am
上课说话检讨书500字反省自己（学生认错万能检讨书）万能检讨书，不用改动任何东西。这次犯错误，自己想了很多东西 针织短袖泡泡袖上衣 ，反省了很多的事情，自己也很懊悔，很气自己，去触犯学校的铁律，也深刻认识到自 外套女冬气质名媛 己所犯错误的严重性，对自己所犯的错误感到了差愧。学校一开学就三令五申，一再强调校规校纪，提配学生不要违反校规，可我却没有把学校和老师的话放在心上，没有重视老师说的话，没有重视学校颁布的重要事项，当成了耳旁风，这些都是不应该的。也是对老师的不尊重。应该把老师说的话紧记在心，把学校颁布的校规校纪紧急在心事后，我冷静的想了很久，我这次犯的错误不仅给自己带来 医美工作服高端 了麻烦，耽误自己的学习。而且我这种行为给学校也遭成了及其坏的影
By CC4661, March 12, 2023 @ 8:01 am
生日祝福语录（生日快乐简短走心的句子）一.祝宝贝在每个成长的日子里都快快乐乐！开开心心！ 护肤品小样正品旅行 二.愿你生日开心快乐，愿你在新的一年心想事成，万事如意，一帆风顺！三.祝妳生日健康愉快，祝妳青春永驻，貌美如花，愿妳 气泵配件大全 一切愿望都能实现。四.可爱宝贝，祝你生日快乐！祝你可爱美丽，开心快乐！五.愿妳的每一天都如花一样美丽漂亮，生日快乐！六.生日快乐！亲爱的朋友，愿你开心快乐每一天，工作顺心，好运连连，幸福美满！七.可爱宝贝，祝福你在成长的道路上快快乐乐！开开心心！八.小可爱宝宝生日快乐！愿你平平 无骨鸡爪去骨神器 安安度过每一天！九.老婆:祝你生日快乐！愿妳每天貌美如花，开心快乐！十.老公生日快乐！祝福老公永远快乐，事业发达，平安
By CC8393, March 12, 2023 @ 8:02 am
手机笑话 苹果12女新款手机壳 短信（幽默短信大全爆笑）1、有些事情该让你知道了!天，是用来刮风下雨地;地，是用来长花长草地;我，是用来证明人类伟大地;而你：“就是用来炖粉条地。”2、一年内，有 猫咪营养膏增强免疫力 一个男子连续写了800多封情书给女友，结果他的女友终于宣布要结婚了，新郎就是给她送这些信的邮差。3、据报道：日前伊拉克武装在巴格达城墙上挂起你的玉照，导致大量美军士兵呕吐身亡。联合国调查取证后确认此乃大规模杀伤性武器，你快逃吧。4、相机手机打仗， 夹克衫外套女 一相机兴奋跑来：报告首长，抓住一手机!相机头头一看，怒：咋把咱卧底抓来啦?这可是会照相的手机啊!5、第一次见到你，就觉得有种早已认识的感觉，我从没有说过这么肯定的话，你可能不会相信，但
By CC0309, March 12, 2023 @ 8:04 am
望梅止渴的主人公是谁（望梅止渴的主人公了解）今天的三国成语故事见于《世说新语•假谲》 红蜻蜓休闲鞋男 ，时间是在献帝建安年间，主人公是曹操。原文如下：魏武行役,失汲道，军皆渴，乃令 黄金手镯 简约现代 曰：‘前有大梅林，饶子，甘酸可以解渴。’士卒闻之，口皆出水，乘此得及前源。这段记载的大意是：魏武帝曹操率领军队行军，错过了有水源的地方，将士们全都非常口渴，曹操于是传令说：“前方不远处有一大片梅树林，梅子很多，又甜又酸，可以用来解渴。”众将士听了这话，口里都流出了涎水，趁这个机会得以到达有水源的地 乳液保湿正品旗舰店女士 方。本文要介绍的三国成语，便是根据这个故事演变出来的一句成语，叫做“望梅止渴”，意为愿望无法实现，用空想安慰自己。《世说新语》是南北朝时期刘
By CC1567, March 12, 2023 @ 8:05 am
泰戈尔诗选经典语句（泰戈尔诗选摘抄赏析及感悟）《生 海洋堂阿卡姆骑士 如 加厚加绒冬季睡衣女 夏花》我听见回声，来自山谷和心间以寂寞的镰刀收割空旷的灵魂不断地重复决绝，又重复幸福终有绿洲摇曳在沙漠我相信自己生来如同璀璨的夏日之花不凋不败，妖治如火承受心跳的负荷和呼吸的累赘乐此不疲我听见音乐，来自 白象火鸡面官方旗舰店 月光和胴体辅极端的诱饵捕获飘渺的唯美一生充盈着激烈，又充盈着纯然总有回忆贯穿于世间我相信自己死时如同静美的秋日落叶不盛不乱，姿态如烟即便枯萎也保留丰肌清骨的傲然玄之又玄我听见爱情，我相信爱情爱情是一潭挣扎的蓝藻如同一阵凄微的风穿过我失血的静脉驻守岁月的信念我相信一切能够听见甚至预见离散，遇见另一个自己而有些瞬间无法把握任凭东走西顾，逝去的必然不
By CC3337, March 12, 2023 @ 8:07 am
五一节经典祝福语送老师（经典节日短信祝福大全）1、五一到了，听说你很忙啊。幸福要与你见面，甜蜜要和你缠绵，快乐要陪你游玩，好运要对你放电，如意要和你结缘， 儿童汉语分级读物 我只得狠狠的把你想念。祝你五一快乐哟！2、劳动苦不苦，只有自己才能清楚；劳动累不累，只有自己才能体会；劳动值不值，只有自己才能认识； 大码针织衫女薄款 劳动厌不厌，只有自己才能分辨；自己的快乐自己做主，五一劳动节快乐！3、五一小长假，心灵放个假。山清水秀风光好，不妨走走乐逍遥；一路行来一路歌，烦恼别往心上搁；轻松驿站歇回脚，美景为你消疲劳；快乐旅店打个尖，美味任你尝个遍；人生旅途本不长，潇洒红尘又何妨；大江南北任你游，愿你跟着幸福走！4、劳动节祝你劳有所获，劳 烫发水冷烫 应
By boiler repair 19015, March 12, 2023 @ 8:08 am
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By CC3472, March 12, 2023 @ 8:08 am
小学三年级班主任工作总结（班主任个 李宁运动鞋女夏款 人工作总结简短）小学班务工作总结范 switch 游戏机 文三篇篇一我班是四年级二班，有76人，学生年龄在10—12岁，思想水平不一，整体素质稍低，班级工作相对比较困难。但在师生的共同努力下，我班圆满地完成了本学期的各项工作任务。为了更好地搞好将来的工作，我把本学期的班级工作情况总结如下。一、进一步加强思想政治教育，造就了良好的班级风气。半年来，我根据学校少先队大队部的教育 切边无框眼镜女 工作计划，针对中年级学生特点，积极开展爱国主义教育，培养学生良好的行为规范，收到显着成效。首先利用开学之初，抓住升级的有利时机，借助班会对全体同学进行政治思想教育，使每位学生都能迅速地从假期的散漫、生活无规律中转化
By CC0110, March 12, 2023 @ 8:10 am
桃花诗词有哪些（关于桃花最出名的诗句）四月，春色正盛。三分春色，桃花便尽占一分。送你10首桃花诗词，共度江南美景… 女巫和骑士旗舰店连衣裙 … 桃花庵歌 / 唐寅桃花坞裏桃花庵，桃花庵裏桃花仙。桃花仙人种桃树，又折花枝当酒钱。 华人青年t恤 酒醒只在花前坐，酒醉还须花下眠。花前花後日复日，酒醉酒醒年复年。不愿鞠躬车马前，但愿老死花酒间。车尘马足贵者趣，酒盏花枝贫者缘。若将富贵比贫贱，一在平地一在天。若将贫贱比车马，他得驱驰我得闲。世人笑我忒风颠，我咲世人看不穿。记得五陵豪杰墓，无酒无花锄作田。山中问答 /李白问余何意栖碧山，笑而不答心自闲。桃花流水窅然去，别有天地非人间。 诗经·桃夭桃之夭夭，灼灼其华。之子于归，宜其室家。桃 雅迪石墨烯电池 之
By CC0051, March 12, 2023 @ 8:12 am
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形容女生性格好的成语（形容女人真性情的成语）中华文化蕴含非凡的魅力，分享9个成语，其中蕴涵中华女性9大美德，建议记下来夸 午觉趴枕 夸自己爱的人！蕴涵中华女性9大美德的成语，快点学起来夸夸自己身边的女神吧！1、婉婉有仪，这个成语，形容温文柔顺，而有礼貌。中国的女人 胖子外套女加肥加大码 ，待人接物彬彬有礼又落落大方。2、朝耕暮耘，现代女性，不仅要照顾家庭，更有了自己的事业，默默奉献着一生，无怨无悔。3、秀外慧中，女子的才气一点不输男子，现代的女性虽不能登峰造极，却也是内外兼修，识大体。蕴涵中华女性9大美德的成语，快点学起来夸夸自己身边的女神吧！4、敬老尊贤，孝是刻在中华儿女骨子里的符号，现代女性 网红女童炸街套装夏 仍然延续着孝顺父母，尊老爱幼的传统
By CC1271, March 13, 2023 @ 8:04 am
薛宝钗人物形象分析（分析薛宝钗的人物性格）按：本 脏脏鞋g家高版本 文作者是中央民族大学附属中学高三学生。一名高中生，而且是理科生，在高考将近时写出这样面面俱到平和理性的人物评论，实属不易。对文中很多观点深 大裤衩女大码 以为然。作者：苟小然薛宝钗应该是红楼梦里最复杂的一个人格，从弄权的心机婊到淡然洒脱的清醒者，不同人对薛宝钗的评价可谓完全对立，而且大家都能找出一堆证据证明自己的观点。有三种观点我不是很赞同。一是有些人眼中精于算计、世故的薛宝钗。她看通灵宝玉时不自然地念了两遍，还很突然地叫莺儿去倒水；滴翠亭听到小红的私密，为 安全帽带风扇工地夏季防晒遮阳太阳能 了金蝉脱壳推托找黛玉；生日宴上讨贾母欢心；黛玉抛下宝玉去贾母处吃饭，宝玉怕王夫人心生嫌隙，说：“我今儿还跟
By CC6905, March 13, 2023 @ 8:06 am
形容医生的伟大的诗句有哪些（赞美医生的经典古诗）今天是“中国医师节”，首先要祝所有医疗战线上奋战的医护人员——节日快乐。“医师 驱蚊神器 室内 驱蚊灯 节” 睡衣夏女大码 是个年轻的节日。2017年11月3日，国务院通过了卫计委关于“设立中国医师节”的申请，同意自2018年起，将每年的8月19日设立为“中国医师节”。也就是说，今年的“医师节”是医生护士们一起度过的2岁生日。医者仁心。从古至今，中国人对于医生这一职业都是十分尊敬的。华佗、扁鹊、孙思邈这些神医的名字与故事也在民间广为流传。相比之下，诗人笔下关于“医生”的描写却似乎少了些。不知道这是不是和人们的习惯思维中，多 松糕鞋女厚底2021新款真皮 少有些“讳疾忌医”，希望少去医馆、少和医生打交道有关——虽然，他们
By CC5568, March 13, 2023 @ 8:07 am
寻隐者不遇古诗的意思翻译（寻隐者不遇的意思全 孕妇装春秋款 解）寻隐者不遇贾岛松下问童子，言师采药去。只在此山中，云深不知处。【赏析导航】 儿童潮牌兄妹装 贾岛对于诗歌，堪称痴迷，有“诗囚”、“诗奴”之称，加之性格孤傲，常为世俗所不容。曾感叹道：“了解我平素心愿的人，只有终南山紫阁峰、白阁峰众山峰上的隐者罢了。”“终南自古多神仙”，这里，历来都是隐者们的最爱。《寻隐者不遇》应该是叙写的一次前往终南山寻访友人的过程，短短二十字，却写得起伏有致，令人遐想。茫茫秦岭，幽幽终南。排排青松之 胖大海正品旗舰店 下，贾岛终于来到隐者居住的地方。不巧，隐者不在，家中只有一位年少的学童。贾岛不甘，问其师傅干啥去了。童子回答，采药材去了。贾岛再问，哪里采药去了？童
By CC4122, March 13, 2023 @ 8:09 am
一段深情的告白短句（深情的告白句子真实点）一、可爱不是长久之计。可，爱你是。二、你对我一见倾心，我对你一见如故，初遇是你，余生都是 眼镜腿配件大全 你。三、你知道什么叫意外吗， 奶酪威化饼干 就是我从没想过会遇见你，但我遇见了，我从没想过会爱你，但我爱了。四、我这一生的故事里，有风，有雨，有猫，还有你。五、最好的爱情大概就是这样：你陪我走过一无所有，我陪你走到岁月尽头。六、我是一个特别懒且没有耐心的人，做事从未坚持到底过，唯独在喜欢你这件事情上，让我勤奋和坚持了好多年。七、一眼见你，万物不及。在下不才，心胸狭隘，只能装下你一人。八、你的过去我来不及参与，你的未来我奉陪到底。——余秋雨九、初见倾心，再见痴心，终日费心，欲得芳心 阔腿裤女小个子牛仔裤 ，
By CC2336, March 13, 2023 @ 8:10 am
有关于立春的诗句（描写立春的诗句古诗）立春宋-沈与求 打底裤薄款女 晓卜农祥正，遥知岁事丰。小桃如有意，欲吐故时红。次韵李举之立春四绝句宋-洪适东皇先遣雪清尘，一夜山川眼界新。 连体牛仔裤 共喜太平今有象，更将歌舞为迎春。立春日雪中游蒙谷宋-刘敞冰解泉应动，云寒雪更飞。谷中知律变，林下觉春归。风物如游蜀，衣冠似浴沂。瑶林与碧树，处处竞芳菲。立春宋-薛季宣谁得东君信，风生十万家。土牛占谷麦，灰律动蒹葭。嫩绿萌芳蕊，新红茁绽芽。未能都免俗，春胜插春花。立春明-石宝萱草堂东逢立春，春风堪笑亦堪颦。青青盘菜思纤手，袅袅花 春装2022年新款女卫衣 枝似玉人。立春日杨户部庐山谪官河南枉道过访明-于慎行轩车来远道，执手意何长。喜对春盘酒，愁分画省香。士龙名入洛，
By CC3242, March 13, 2023 @ 9:54 am
描写雨的诗句有哪些（关于描写雨的诗句）秋天的雨，是一把钥匙。它带着清凉和温柔，趁你没留意， 男士外套春秋 棒球服 把秋天的大门打开了。一场秋雨一场寒，在李商隐看来，秋雨给他带来思念；在白居易看来，秋雨带来了安逸……一场秋 回力老北京布鞋男 雨，万种情思，浸润在雨水中，陶醉在岁月里，拨着人的心弦。10首最美秋雨诗词，清秋有梦，雨落成诗，哪一首是你的心情？1、最浪漫的秋雨：君问归期未有期，巴山夜雨涨秋池。《夜雨寄北》唐·李商隐君问归期未有期，巴山夜雨涨秋池。何当共剪西窗烛，却话巴山夜雨时。这是一个秋夜，李商隐收到妻子的来信，问他何时回家。此时，李商隐正在巴蜀之地，窗外秋雨绵绵，涨满秋池。什么时候我才能回到家乡，在西窗下我们一边剪烛一边 足金黄金手镯 谈心，
By CC6947, March 13, 2023 @ 9:56 am
平安夜祝福语大全简短（平安夜的经典短句分享）今天 渔夫帽帽子2021年爆款女 是2020年圣诞平安夜，给亲朋好友送一句暖心的祝福语吧。下面小编整理了一组关于 休闲夹克男士2021新款潮流 平安夜暖心祝福语文案短句，祝所有人圣诞平安夜快乐。平安夜暖心祝福语文案短句 祝福圣诞平安夜快乐的句子（一）1、君不见圣诞老人骑狗来，钻进烟囱不复回;君不见平安夜里摆臭袜，筒如长城口如海。逢年过节须尽欢，莫使长袜空对月。发你短信必有用，礼物快快送过来!平安夜 python语言程序设计基础 快乐!2、海上升明月，天涯共此时。温馨平安夜，竟夕起相思。铃儿响叮当，烦恼跑光光。青青圣诞树，熠熠满祝福。祝你圣诞快乐，幸福永远，平安健康!3、朦胧的月色平和宁静，祈祷的钟声静谧心灵，幸福的脚步行色匆匆，驯鹿的奔跑铃儿
By CC5976, March 13, 2023 @ 9:57 am
美 发箍女 海绵发箍 好一天的句子说说心情（形容一天很美好的短语）1. 当你仍想继续，永远不要说再见;当你还能承受，永远不要说放弃;当你舍不得一个人，永远永远不要说你不再爱他 暴力熊摆件 大 。2. 当明天变成了今天成为了昨天，最后成为记忆里不再重要的某一天，我们突然发现自己在不知不觉中已被时间推着向前走，这不是静止火车里，与相邻列车交错时，仿佛自己在前进的错觉，而是我们真实的在成长，在这件事里成了另一个自己。3. 生命是短暂的、无常的，没有一 套装裤子 个人敢保证自己能够活到明天，所以每个人都应该学会珍惜生命，学会充分利用生命的价值。4. 你有没有爱过一个遥远的人，他从来都不让你绝望，是你继续活下去的勇气和力量。他永远是年轻的，美好的，光芒
By CC4906, March 13, 2023 @ 9:59 am
描写岁月流逝的句子唯美（45条感叹岁月流逝唯美句子）一、少年仍未老，岁月忽已暮。二、朝花夕拾，捡的尽是枯萎。三、无可奈何花落去，似曾相识燕归来。四、君 高腰牛仔裤短裤 生我未生，我生君已老。五、回廊一寸相思地，落月成孤倚。背灯和月就花阴，已是十年踪迹十年心。六、来是春初，去是春将老。七、流水落花春去也,天上人间。 夏季袜子儿童 八、伤心桥下春波绿，曾是惊鸿照影来。九、思君令人老，岁月忽已晚。十、我来不及认真地年轻，待明白过来时，只能选择认真地老去。十一、昔别君未婚，儿女忽成行。十二、红颜弹指老，刹那芳华尽。十三、岁月辗转成歌，时光流逝如花。十四、夜深忽梦少年事，梦啼妆泪红阑干。十五、花有重开日，人无再少年。十六、年去年来白发 吊带打底衫女内搭 新
By CC8867, March 13, 2023 @ 10:01 am
女儿过生日怎么发朋友圈的文案（最适合发圈 红绳编织 祝女儿生日的短句）愿你时时刻刻有快乐相伴，分分秒秒与好运缠绵，日日夜夜与安康为伴，年年岁岁有幸福开颜，朝朝暮暮有如意携腕。今 红色短袖连衣裙 天，wed114结婚网小编为大家带来女儿五岁生日经典说说，分享小丫头五岁生日祝福语大全。女儿五岁生日经典说说1、虽然有了你的日子，我们都没有了自由，但是你带给我们的欢乐是巨大的。你的第一次睁眼，第一次撒尿、拉屎，第一声啼哭，第一颗牙齿，第一句爸爸，第一次笑的出声，甚至 环境影响评价师2022年教材 第一次生病都让我们真正感动、高兴。2、当你今晚象往常一样躺在妈妈的臂弯里入睡后，你就长大了人生的第一岁了。爸爸和妈妈将在你的睡梦中为你献上最诚挚的祝福：祝你健康、快乐地
By CC0710, March 13, 2023 @ 10:02 am
女友睡前故事长篇感人（适合哄女孩子的睡前故事）天空还在下着雨。小兔子收好自己的胡萝卜伞，蹦蹦跳跳的走进了森林里的咖啡店。小兔子喜欢店里的小狐狸，因为小兔子觉得 三亚旅行沙滩裙 只有他做的咖啡是甜的。小兔子像以前一样点了一杯咖啡 全自动机器人女友 ，而且必须是小狐狸做的。过了一会，小狐狸穿着一身帅气的衣服，头发梳得高高的，端上来一杯果汁。“哟哟，这是你新的工作服吗？”小兔子问道，“可是我想喝咖啡呀，”“我们老板说你天天喝咖啡对身体不好，让我今天不给你做咖啡了。”小狐狸一边回答一边坐在了小兔子的对面。“好的吧，谢谢你。”小兔子端起果汁喝了一大口，小狐狸坐在对面已经让她的脸红的像个苹果。小兔子两三下 煮蛋器 单个一枚 就把果汁喝完了。然后她发现杯底嵌着一枚
By anthony natale toms river nj, March 13, 2023 @ 11:50 am
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By CC5252, March 13, 2023 @ 4:19 pm
杂诗其二唐王维 男鞋超轻软底 的诗（杂诗其二君自故乡来译文）杂诗(其二)[唐]王维君自故乡来,应知故乡事。来日绮窗前，寒梅著花未?【作品 球服女 赏析】杂诗三首·其二是唐代诗人王维的一首写梅花的诗歌。该诗是王维拟江南乐府民歌风格所作的一组抒写男女别后相思之情的五言绝句。【注释】①王维《杂诗》共三首，这是其中第二首。②君：你，对别人的尊称。这里是指从故乡来的人。③来日：来的时候。④绮窗：镂刻花纹的窗子。⑤著（zhuó） 雪纺衫上衣女中长款 花：开花。⑥未：疑问词。有没有的意思。【大意】朋友啊，你是从我的故乡来的，应该能了解故乡的情况吧。你来的时候，家里那雕花窗子前面，寒梅是不是已经开花了？随机推荐： 男鞋超轻软底 球服女 雪纺衫上衣女中长款
By CC8883, March 13, 2023 @ 4:20 pm
最浪漫的情诗（十大经典爱情诗）古代最浪漫的十大情诗一、《江城子》 苏轼十年生死两茫茫，不思量，自难忘 野餐篮大容量 。千里孤坟，无处话凄凉。纵使相逢应 白色羽绒服 女 不识，尘满面，鬓如霜。夜来幽梦忽还乡，小轩窗，正梳妆。相顾无言，惟有泪千行。料得年年肠断处，明月夜，短松冈。点评：这是苏东坡的爱妾王朝云死后，有一天他梦见亡妾之后写的感怀诗。朴素真挚的深情，沉痛的生离死别，每读一次就更为其中的深情所感动。阴阳相隔，重逢只能期于梦中，苏东坡用了十年都舍弃不下的，是那种相濡以沫的亲情。他受不了的 裙子秋冬2022年新款 不是没有了轰轰烈烈的爱情，而是失去了伴侣后孤单相吊的寂寞。”纵使相逢应不识，尘满面，鬓如霜”在梦里能够看见的，也全是逝去亲人往日生活里的琐碎
By CC9675, March 13, 2023 @ 4:22 pm
周岁祝福语简短创意（宝宝一 赫本风小黑裙轻熟优雅连衣裙 周岁唯美寄语）生日创意文案1、一岁一礼，一寸欢喜。2、祝你年年岁岁不挂科，朝朝暮暮有帅哥。3、今天过生 专业美图 日发什么文案好?在线等，比较急。4、愿以诚挚之心，领岁月之教诲。5、不过是又长大一岁的美女罢了。6、今天风很大，吹来了我的__岁。7、今天我生日大家给我磕个头吧。8、今天生日，帮忙许愿，一条五元。9、为了这一天，我已经准备了__年了。10、我这个迷人的小东西又要长大一岁。11、生日快乐，有生的日子里，快快乐乐。12、心仪女孩常驻身边祝你快乐不止生日。13、今天有人过 文具礼盒套装 生日吗，如果没有，我过。14、比任何时候都坚定的奔向属于我的__岁。15、生而自由，爱而无畏，共度岁月的
By CC1162, March 13, 2023 @ 4:23 pm
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By CC1152, March 13, 2023 @ 4:25 pm
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形容风景优美的成语（赞美山水风景好的成语）1、山清水秀：形容风景优美。2、水光山色：泛指山水景色。3、水软山温：形容景色幽雅。4、春意阑珊：春意，春天的气 系统发生错误 象；阑珊，将尽、将衰。形容春天就要过去了。出处：南唐·李煜《浪淘沙》：“帘外雨潺潺，春意阑珊。”5 防眩筒灯led天花灯嵌入式孔灯家用 、冰消雪融：像冰一样消融，像雪一样熔化。比喻事物彻底崩溃消失。也用来描写初春的景色。6、风月无边：极言风景之佳胜。7、柳烟花雾：形容春色迷蒙的景象。8、名山胜川：风景优美的着名河山。9、桃李争辉：桃花和李花竞相开放。用以形容春色美丽。出处：元·无名氏《东篱赏菊》第三折：“花也，则为你不与那繁花争媚，花也，则为你不同他桃李争辉。”10、目酣神醉： 女性成人用品自慰器 形
By CC7822, March 14, 2023 @ 2:37 am
阳光静好岁月唯美句子（18条与岁月静好搭配的说说）岁月静好的唯美句子，句句清新优雅，拿去发朋友圈！一、这个世界已经够为难你了，就不要再为 绿色连衣裙夏款 难自己了，更不要让不爱你的人给你添堵了，好好爱自己。二、 这一生一世中，总有一些人，他们至 冰丝儿童防晒衣透气外穿中大男女童外套 于你，如此特别。像蜉蝣的小，却像骄阳的暖。三、记忆像是倒在掌心的水，不论你摊开还是紧握，终究还是会从指缝中，一滴一滴，流淌干净。四、任时光流转，岁月变迁，不抱怨，不言苦，不忧伤，不认输，安静生活。五、生活没那么多剧情，靠谱的人花样不多却能陪你过平淡生活。六、假如可以选择生活，我宁愿简简单单。一个茶杯、一间茅屋、一亩良田、一亿存款。简简单单，挺好。七、我爱哭的时候便 磨脚石去死皮老茧家用 哭
By CC9554, March 14, 2023 @ 2:39 am
形容久别重逢的句子（相遇重逢的唯美心情说说）一、人生最好的三个词：“久别重逢，失而复得，虚惊一场。”却唯独没有一个词叫“和好如 男童夏网鞋 初”，和好容易，如初多难啊。二、不要太把一个人放在心上，因为在那个人的心里，你或许什么都不是。感情中所有的安全感其实很简 阿迪达斯凉鞋儿童 单，与旁人保持距离，与爱人保持深情。三、清晨的粥比深夜的酒好喝，骗你的人比爱你的人会说，所以不要用耳朵恋爱，真正对你好的全是细节。四、一份不被察觉的爱，仿佛花期里一朵无名的花，在被忽略的角落里静静绽放。花期短促，当花枝变得空荡荡时，期待的踏青者却不曾光临。五、一个人爱你的时候，你的任性，你的缺点都是可爱，一个人不爱你 安宫牛黄丸北京同仁堂正品 的时候，你说话是错，不说话是错，连呼
By CC4912, March 14, 2023 @ 2:40 am
燕歌行高适赏析（燕歌行高适表达的情感）唐朝武则天长安四年（公元七百零四年），一代著名的边 药店旗舰店官方旗舰 塞诗人出生在今天的河北省景县。另外，他的字为:仲武，号:达夫。同时，高适乃是“边塞四诗人”之一。公元七百六十五年（即永泰元年），时年六十二岁的 防滑拖鞋浴室洗澡专用男 唐代边塞诗人、唐朝大臣高适去世，追赠礼部尚书，嗌号忠。以下这首《燕歌行》，便是唐代著名的边疆诗人高适的代表作品了。同时，也谢谢大家的欣赏:《燕歌行》汉家烟尘在东北，汉将辞家破残贼。男儿本自重横行，天子非常赐颜色。簛金伐鼓下榆关，旌恃违銥碣石间。校尉羽书飞瀚海，单于烈火照狼山。山川萧条极边土，胡骑凭陵杂风雨。战士军前半死生，美人帐下犹歌舞。大漠穷秋塞草腓，孤城落日斗兵 拔毛神器鸡毛鸭毛 浠
By directorio empresas camara de comercio, March 14, 2023 @ 2:41 am
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By CC1174, March 14, 2023 @ 2:42 am
雁丘词元好问赏析（摸鱼儿元好问翻译赏析）“问世间 黑色短袖针织上衣 情为何物，直教人生死相许”这两句并非原文，而是后人在传唱的时候进 大头鞋 丑萌 大头鞋 行了修改。改动之后，上下句皆为七字，格式上对称，让人以为是诗句。同时在下句中增添了“人”字，明确了诗句感叹的主体为人，意思就是“这世间的感情到底是个什么东西啊，让人舍生忘死，海誓山盟。”其实原文不是这样的，原文是“问世间，情为何物，直教生死相许？”出自元 气垫遮瑕保湿持久 好问的《摸鱼儿·雁丘》：问世间，情为何物，直教生死相许？天南地北双飞客，老翅几回寒暑。欢乐趣，离别苦，就中更有痴儿女。君应有语：渺万里层云，千山暮雪，只影向谁去？横汾路，寂寞当年箫鼓，荒烟依旧平楚。招魂楚些何嗟及，山鬼暗啼风雨。天也妒
By corel, March 14, 2023 @ 8:40 am
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By CC3208, March 14, 2023 @ 3:35 pm
著名诗歌现代诗简短（现代诗摘抄大全）@ 春雨落下来已融化 炮台架 钓台 了眼中冰霜那是不远万里蓄谋已久的出现你像一粒种子正被春风 食物 埋下在一串回忆与如梦方醒中再次发芽@ 记不得如果那阵风吹去了来世是否记得她曾拂过你窗台如果这阵雨枯竭在心海是否记得她曾润泽过你情怀如果把所有的话都忘记是否记得还有一句你放在佛台如果把所有的伤都痊愈是否记得我还有最青淤的一块你已置之度外只是难为了这明亮的眼把那时的天看得太蓝难为了那清澈 葫芦娃风筝串 的心把这些如果想成最爱@·春雪雪带着它所有美丽奔赴春天此时的春却是一个火红的陷阱迎接一只只飞来的蛾站在雪里我蒿草一样在春天里偷生雪一片片坠落消失我深知老天把早已预知的生死都委婉的交给了时间@ 倒春寒怎舍得
By CC1577, March 14, 2023 @ 3:36 pm
哲学人生感悟短句（人生哲理精简短句）1、人总爱跟别人比较，看看有谁 拖鞋按摩脚底穴位 比自己好，又有谁比不上自己。而其实，为你的烦恼和忧伤垫底的，从来不是别人的不幸和痛苦，而是你自 脏衣篮挂墙折叠 己的态度。2、别总是抱怨生活不够幸运，是你欠了生活一份努力，每一个你讨厌的现在，都有一个不够努力的曾经。未来美不美，取决于你现在拼不拼。3、决定你穿什么衣裳的，不是你的钱包，而是你的身材。决定你的脾气的，不是你的性格，而是你的位置。决定你的品位的，不是你的学历，而是你的阅历。4、开心就笑，难过就哭，烦了就骂，爱了就追，这些我 男士秋衣外套 们本该能轻松拥有的，却随着年纪的增长，很多就变成了奢侈。5、我们总是把陌生人给的一些小恩小惠，当作是情感的大恩大德
By CC0219, March 14, 2023 @ 3:38 pm
中国与尼加拉瓜恢复外交关系（恢复大使级外交关系）1 狮头舞狮 2月10日，中国同尼加拉瓜在天津签署《中华人民共和国和尼加拉瓜共和国关于恢复外交关系的联合公报》。 绿色上衣女夏 新华社记者 岳月伟 摄新华社天津12月10日电（记者许可）12月10日，中国同尼加拉瓜在天津签署《中华人民共和国和尼加拉瓜共和国关于恢复外交关系的联合公报》。主要内容如下：中华人民共和国和尼加拉瓜共和国，根据两国人民的利益和愿望，兹决定自公报签署之日起相互承认并恢复大使级外交关系。两国政府同意在互相尊重主权和领土完整、 安全帽带风扇工地 互不侵犯、互不干涉内政、平等互利、和平共处的原则基础上发展两国友好关系。尼加拉瓜共和国政府承认世界上只有一个中国，中华人民共和国政府
By CC3876, March 14, 2023 @ 3:40 pm
与史郎中钦听黄鹤楼上吹笛翻译（与史郎中钦听黄鹤楼上吹笛赏析）与史郎中钦听黄鹤楼上吹笛（唐）李白一为迁客去长沙，西 调料盒套装组合装家用 望长安不见家。黄鹤楼中吹玉笛，江城五月落梅花。译文一旦遭受贬谪，就像是贾谊 富士xs10保护套 到了长沙，整日向西望去，看不到长安，更见不到故乡的家了。一日我与史郎中在黄鹤楼上听人吹笛“梅花落”曲调，内心一时倍感寒凉，便觉五月炎热的江城仿佛一下子入了冬，自己则置身于纷落的梅花之中。写作与解析本诗叙事，抒发了作者被贬的凄楚、寒凉以及惆怅的内心。一二句自然用典，借贾谊被汉文帝贬谪之事，既是自况，又是自白，更是自怜，进而引出别国去家之后，日夜思怀的 夏天短裤男 凄楚。三句将笔锋一转，通过叙事听“梅花落”，将自己内心的凄凉用曲
By CC3112, March 14, 2023 @ 3:41 pm
在一起的句子唯美短句（珍惜彼此感情的句子)一、我喜欢你，笨拙而热烈，一无所 红双喜电饼档饼 有却又倾尽所有。二、人间无趣，幸甚有你，尽我所能，爱你所有。欢喜是你，喜欢是你，往后余生 宝宝地板鞋 ，全是你。三、你是往日的情书，是日落的余情未了，是路人脚下不停生长的风，也是我一生喜欢的人。四、先生，要不要接受我这个甜蜜的麻烦。比起成为更好的人，我比较想成为你的人。五、我本打算从江湖走过，一遇你，我便明了，这江湖该停了。六、我喜欢的是早春清晨熹微的光，立夏中午倾盆的雨，晚秋傍晚清凉的风，冬季彻夜寒冷的雪，还有一年四季温柔如初的你。七、任何人都可能抓住你的眼球，但只有 女生寝室神器 那个特别的人，才能抓住你的心。八、说真的，我生气归生气，吃醋归吃醋
By CC8115, March 14, 2023 @ 3:43 pm
祝愿祖国的话有哪些（新年祝福祖国的祝福语）1、感动的话千千万，汇成一句，我爱你中国!祝福祖国繁荣昌盛。2、蓝天梦海洋梦强国梦!中华民族的伟 粗粮米 大复兴梦!砥砺前行，继往开来!3、祖国妈妈，多谢您!我要好好学习，奋发向上，做一个礼貌有礼的好孩子。4、七十一年证明了一个欣欣向荣的社会，七十一年证明 无风感空调 了一个走向辉煌的中国。5、衷心地祝福我们的祖国更加繁荣昌盛国泰民安!祖国妈妈生日快乐!6、我们将努力奋斗，为了美丽的祖国我们将竭尽全力，为了祖国美丽的永生!7、啊!祖国!我的祖国!您是希望，您是信念，您是我们一切拼搏进取的依托。8、庆国庆，大家齐欢乐，五十六个民族共欢腾，祝我们的祖国欣欣向荣!9、家是最小国， 裤子男士春季2022新款运动长裤春秋款 国
By CC4680, March 14, 2023 @ 4:34 pm
描写时间流逝的句子（时间流逝的句子 必胜客宅急送 唯美）1岁月不居，时节如流。2浮生若梦，为欢几何？3光阴易逝，岂容我待。4忘记今天的人将被明天忘记。5时间是一味能治百病 爱他美白金版2段德国 的良药。6书籍是横渡时间大海的航船。7年华转瞬，唯有青春不曾辜负。8时光转载又几年，来日沧桑何处寻。9黑发不知勤学早，白首方悔读书迟。10 半醉半醒日复日，花开花落年复年。11你若需要时间，还得自己把他造出来。12人生天地之间，若白驹过隙，忽然而已。13学问二字，须要拆开看，学是学，问是问。14灼灼岁序，恰似晨露，今朝欢愉，明日何处。15当有时 单人沙发套 间时要利用时间，因为时间稍纵即逝。16如果不想在世界上虚度一生，那就要学习一辈子。17时光太瘦，指缝
By CC5019, March 14, 2023 @ 4:35 pm
念奴娇中秋对月赏析（念奴娇中秋对月注释）苏轼《念奴娇》中秋凭高眺远，见长空万里，云无留迹。桂魄飞来，光 钟表客厅轻奢 简约现代摆件 射处，冷浸一天秋碧。玉宇琼楼，乘鸾来去，人在清凉国。江山如画，望中烟树历历。我醉拍手狂歌，举杯邀月，对影成三客。起舞徘徊风露下，今夕不知何夕！便欲乘风 牙线 护理牙线 ，翻然归去，何用骑鹏翼？水晶宫里，一声吹断横笛。简注：桂魄，月亮别称。玉宇琼楼，见东坡词《水调歌头》。清凉国，陆龟蒙诗：溪山自是清凉国。烟树，孟浩然诗：鹿门月照开烟树。我醉拍手四句：李白诗：举杯邀明月，对影成三人。今夕句，《诗唐风》：今夕何夕。杜甫诗：今夕何夕岁云祖。苏轼词：今夕是何年。鹏翼，见《庄子逍遥游》鹏翼若垂天之云。水晶宫，杜甫诗：水晶 美式重磅t恤小领口 宫
By CC2781, March 14, 2023 @ 4:37 pm
描写祖国大好河山的诗句（赞美祖国的简短句子）早发白帝城 李白朝辞白帝彩云间，千里江陵一日还。两岸猿声啼不尽，轻 设计感连衣裙高级感夏 舟已过万重山。随感：乘一叶扁舟，涉水穿山，好不快活。望庐山瀑布 李白日照香炉生紫烟，遥看瀑布挂前川。飞流直下三千尺 苏伯汤速食汤 ，疑是银河落九天。随感：人间盛景已可比天阙，又何须羡仙。望天门山 李白天门中断楚江开。碧水东流至此回。两岸青山相对出。孤帆一片日边来。随感：青山碧水，落日进江，美哉妙哉！黄鹤楼 李白故人西辞黄鹤楼。烟花三月下扬州。孤帆远影碧空尽。唯见长江天际流。随感：烟花三月，长江春水，浩浩荡荡，宛如天来！夜宿山寺 李白危楼高百 裙子小香风套装 尺，手可摘星辰。不敢高声语，恐惊天上人。随感：在摩天高楼与星辰
By CC6033, March 14, 2023 @ 4:38 pm
男友放不下前女友说说图片（40条关于爱情的伤感说说）我们在恋爱的时候，每一段感情 浅口中跟单鞋 都是百分之百的投入，可最终分手的局面也是很多的。忘不了自己的前任也是很常见的事情，那关于忘不了前任的说说可以怎样表达呢? 关于忘不了前任的说说 外贸出口尾单大牌剪标女正品 1、我也很想问问你过的好不好，但现在的我不知道该以一种什么样的身份去开口，曾经的海誓山盟卿卿我我，转眼连问候的勇气都没有。2、他不喜欢你，只是喜欢被你喜欢，偶尔向你示好只是害怕失去被你喜欢的虚荣 ，就像狗跑远了，主人都会叫一 高跟鞋不累脚软皮 下。3、很久以前我喜欢过这片天空，那时候你还是我的英雄。4、沉默就是答案，躲闪就是答案，不再主动就是答案，其实，你早就该明白。5、爱你的时候，未曾发觉，恨
By CC6872, March 14, 2023 @ 4:40 pm
论语为政篇原文及翻译（论语为政篇读后感）3021子曰：“为政以德，譬如北辰，居其所而众星共之。”孔夫子说：“（君主）以高尚的道德来 运动背心男士夏季 推行自己的治国方略（政治理念），就像北斗星一样，泰然安坐在它的位置上，被众星环绕。朱子：政之为言正也，所以正人之不正也。德之 中腰牛仔裤女2021年新款 为言得也，行道而有得于心也。为政以德，则无为而天下归之。程子：为政以德，然后无为。范氏：为政以德，则不动而化，不言而信，无为而成。所守者至简而能御繁，所处者至静而能制动，所务者至寡而能服众。3022子曰：“《诗》三百，一言以蔽之，曰：‘思无邪’。”孔夫子说：“《诗经》三百篇，用一句话来概括它，就是‘思想纯正’。”朱子：凡《诗》之言，善者 半高领t恤 可以感发
By CC3270, March 14, 2023 @ 4:42 pm
难忘的泼水节课文原文（原文注释及表达的含义）在备课《难忘的泼水节》，时，我是怀着无比认真、怀念、崇敬的心情。而在课前谈话环节，我们班的小 坐垫卧室地上 孩子们却对周总理所知甚少，我想，作为一名中国人，是必须要去了解周总理这位伟人的。分享我的备课笔记、教学心得，希望帮助二年级 儿童成长记录册手册 小学生们更了解伟人，学完课文之后，希望小学生们也都难忘周总理！一．识字量越多出错也越多，形近字、同音字区分要用对方法，组词要组常用词。1. 两个多音字“铺”、“盛”，要识记不同读音的不同字义，才能准确组词，组词时要以本课声调为准。2. 形声字识记，要牢记声旁表音、形旁表义的功能，比如：泼、敲、驶、踩、 银光绿t恤 铺、盛、碗、健、忘、炮。3. 易错部首：
By Camping Trailer Repair Near Me, March 14, 2023 @ 5:05 pm
Amazingness will certainly alter your life right.
By CC3117, March 14, 2023 @ 5:22 pm
短诗歌现代唯美（现代诗歌大全短诗）《那年樱桃》清明后的柳笛，已经有了太多的厚重樱 三诺旗舰店 桃，则开始蛊惑的嫣红初夏的太阳，和我酝酿最亲密的眺望燥热是种洗礼，酸甜内心硬硬 vivoy73s机壳 的核，很疼怀念我的春天，那朵樱桃花开的从容任何生命总会在温暖中变得坚硬，也变得隽永来不及等待，那就唤醒来不及深爱，那就说一句保重我喜欢这个夏天，有涛声，也有淡淡的风—————————————— 腰痛专用药 ————非要说过一句爱你，才是完美的人生？把自己层层包裹，一遍一遍轮回宿命不说，但希望你懂柳树边的樱桃，甜不甜不知道，但很矫情你是我最美的诗句但你看不到，我的千疮百孔《假如有一天
By CC2452, March 14, 2023 @ 5:24 pm
感恩老师的话简短精辟（感谢老师的付出感言）1、敬爱的老师，一直温 系统发生错误 暖着我的心，感恩之情无以言表。2、在我们从幼 卡盘三爪 稚走向成熟，从愚昧走向文明的路上，您用生命的火炬，为我们开道。3、您是人生路上的使者，带着我们走向憧憬已久的梦。4、山高水长有时尽，唯我师恩日月长。5、献给敬爱的老师：我们搜寻那些美丽耐人的回忆，也默默遥远地祝福您永远健康快乐！6、歌曲再优雅， 跑步运动裤薄款休闲冰丝透气速干裤女 却无法表达我对你那无私奉献的歌颂。7、桃李满天下，师恩如海深！桃李不言，下自成溪。8、愿您身体健康，永远年轻！9、老师用自己的生命之光，照亮了我们人生的旅途。10、老师是严冬里的炭火，是酷暑里的浓荫洒湍流中的踏脚石，是雾海中的航标灯。11、由，诲女
By CC9592, March 14, 2023 @ 5:26 pm
对于工作的感想（个人工作心得简短 ）首先，在理论学习上。以往在思想上没有认真的完成各种理论学习，自 非入耳式蓝牙耳机 认为参会了笔记记了这就是学习，在并没有真正吃透的情况下就完成了这 衬衫男士纯棉 项工作。接下来，我要抓紧时间学习理论知识、业务知识，努力提高理论修养、写作水平，配合同事仔细做好上传下达、文件收发、文件治理等日常工作。其次，在工作作风上。回想往常，工作作风不严谨，仅以日常作息时间为例，就没能严格的按照作息制度执行，内心觉得盯好8小时班就是好同志一名了，更 卡其色裤子女小个子 别说早上班晚下班了。经过考核其他单位才知道，加班至深夜居然是常态化。做到严谨就要从小事做起，从日常工作做起，脚踏实地，安于本分，严于律己，谦虚谨慎完成领导交办的每一
By CC9441, March 14, 2023 @ 5:27 pm
感恩父母诗句有哪些（感 春装2022年新款女 薄款卫衣 恩父母的经典诗句）再过两天就是母亲节，是全世界母亲的节日，也是全世界所有人的节日。罗曼·罗兰说：母爱是一种巨大的火焰。母亲是我们生命的源泉，是照 外套毛衣新款2021爆款时尚洋气 亮我们前行之路的光芒。我们给予她再高的地位，给予她再多的赞美，母亲都当之无愧。就连那位“谁让我不痛快一阵子，我就让谁不痛快一辈子”的慈禧太后，对父母之爱也是铭记于心，拳拳赤子之心令人感动。有诗为证：祝母寿诗 慈禧世间爹妈情最真，泪血溶入儿女身。殚竭心力终为子，可怜天下父母心！我喜欢读古诗，读过一些描写母亲的诗，真是句句戳心、字字催泪。《 兰蔻口红小样 国风·邶风·凯风》凯风自南，吹彼棘心。棘心夭夭，母氏劬劳。凯风自南，吹彼棘薪。母氏圣善，我无令人
By CC5002, March 14, 2023 @ 5:29 pm
眼睛干涩疲劳模糊 公输刻凤文言文翻译（鲁班刻凤寓言故事原文）公输刻凤选自《刘子·知人》公输 红色改良旗袍 之刻凤也，冠距未成，翠羽未树；见其身者，谓之鹲鵄；见其首者，名曰鴮鸅.皆訾其丑而笑其拙.及凤之成，翠冠云耸，朱距电摇，锦身霞散，绮翮焱发。翙(huì）然一翥，翻翔云栋，三日而不集。然后赞其奇，而称其巧。公输班雕刻一只凤，凤冠和凤爪还没有雕刻完，翠 外套欧货爆款2022 绿的羽毛也还没有弄好。看见凤的身子的人，说它是白色的鹰；看见凤头的人说是鹈鹕。人们都耻笑凤的丑陋，嘲笑公输班的笨拙。等到凤刻成了，翠绿的冠子像云彩一样高耸，朱红的爪子像电一样闪动，锦绣般的身子像霞光一样散射，美丽的翅膀像火花一样迸发。翙的一声腾飞，在耸入云天的楼房间翻飞，一直飞了三
By CC5779, March 14, 2023 @ 5:30 pm
妇女节意义300字（妇女节的来历和风俗）妇女节一个专属于女性的日子，也许对大部份的打工女同胞来说只是多了半天的假，从来没有细究过为什么会有这个节日？我觉得妇 男童打底衫薄款 女节对于身处七八十年代的女同胞来说是对她们工作的认同，“女人能顶半边天”是对广大女性姐妹们的由衷赞美，我们并不是要和男人在工作或者生活中争的你死我活，我们只想能和 发箍细款 男同胞们一样平等工作，平等生活；幸运的是我们生在了当今现代文明的时代，男女平等，妇女拥有了对自己人生的主导权，为理想而努力，为所爱的人拼搏奋斗。《盛装》这部剧觉得挺有意义，感觉每个人都能在里面找到似曾相识自己的影子，哪怕只是很小很小一部分。大家不知道女同胞们要做到平等这两个字付出 复古行李箱 的
By CC9342, March 14, 2023 @ 6:46 pm
吕岩 民国风小洋装女童 的诗有哪些（吕岩的简介和代表作）人教版五年级语文下册有一首诗《牧童》，作者是唐代的吕岩，也就是传说八仙中的吕洞宾。诗句如下：草铺横野六七里，笛弄晚风三四声。归来饱 平板电脑学习专用大学生 饭黄昏后，不脱蓑衣卧月明。原野、绿草、笛声、牧童、蓑衣和明月构成了全诗的意象。诗中有景、有情，有人、有声，内容可谓丰富生动。一个“铺”字写出了草场的宽阔，而“弄”字更是将牧童吹笛嬉戏时的天真可爱展现无余。“日出而作，日落 牛仔半身裙复古港风 而息”。以地为床，以天为帐，饥来即食，困来即眠，无牵无挂，自由自在的牧童是无羁无绊，自然放松的。在诗中，人们看不到任何其他的令人不愉快的事物。一切都是那么的和谐自然。图片来自网络而清代诗人袁枚的《所见》（全诗为：牧
By CC2946, March 14, 2023 @ 6:47 pm
南辕北辙文言文翻译（南辕北辙小古文原文翻译与赏析）这是一座长满了故事的土地，这是一座等了你三千年的城。邯郸，中国成语典故 马桶上置物架 之都。这座城里有 音响蓝牙大音量 着千年的成语故事，是中华成语文化中一颗璀璨的明珠。请收听《一座等了你三千年的城》——邯郸成语典故篇。播讲：赵飞战国时期，魏国大夫季梁出使赵国，在途中忽然听说魏安釐王准备出兵攻打赵国，他认为这对于魏国极为不利，于是他急匆匆返回魏国，衣服顾不得换，脸也顾不得洗，匆忙去见魏王。魏王看他风尘仆仆地慌忙赶来，觉得很奇怪，便问：“你不是说要走很久吗？怎么这么快就回来了？难道有什么紧急的事吗？”季梁沉下 保温板热菜板 气说道：“事情并不算特别急，我在路上遇见了一件怪事，想尽快告诉您，所以就
By CC0518, March 14, 2023 @ 6:49 pm
描写春水的诗句古诗词（描写赞美春天的古诗）春水生二绝唐-杜甫二月六夜春水生， 网红鞋架 门前小滩 航拍无人机专业高清 浑欲平。鸬鹚鸂鶒莫漫喜，吾与汝曹俱眼明。一夜水高二尺强，数日不可更禁当。南市津头有船卖，无钱即买系篱旁。春水绿波宋-郭祥正春江波自绿，不染木兰舟。只与岸边草，依依添客愁。春水宋-喻良能磬湖春水夜来生，晓起雷声逗雨声。去马来牛心莫辨，鸬鹚鸂鶒眼俱明。飘零花 复古水洗牛仔裤 片有底急，摇曳柳丝如许轻。旬月烟村半风雨，榆钱好为买春晴。感皇恩-春水满池塘宋-鲁訔春水满池塘，春风吹柳。春草茸茸媚晴书。春烟骀荡，春色着人如旧。春光无限好，花时候。春院宴开，春屏环绣。春酒争持介眉寿。春衫春暖，春回遏云声透。春年常不老，松筠茂。南浦-春水宋-王
By CC6190, March 14, 2023 @ 6:50 pm
描写大雪纷飞的诗句（形容冬季美景意境的诗句）闻登莱大雪宋-孔平仲闻说登莱雪一尺，此中晴色更无云。安得北风从海上，满天吹过玉纷纷。大雪自夜至旦欲午始晴宋-陆游薄暮 牛仔衣2022新款男 雪云低，清宵气惨凄。方听打窗急，已报与阶齐 硼酸滴耳液 。疏箔穿飞蝶，空庭聚戏猊。新晴思访客，愁绝满城泥。大雪过花子峰下有怀仲退南翁兼简志上人宋-黎廷瑞诗人得意吐还休，长要胸中此境留。千载风流今始解，剡溪夜半有行舟。大雪宋-薛季宣江市弥旬雪，人行失旧踪。梅藏香骨瘦，冰结浪花重。髣髴门前柳，昏迷郭外峰。屋檐天汉在，一雁没清空。初二日大雪访杰上人宋-韩淲山中知我老，雪里见僧清。物色添幽意，年华近俗情。树遥风共晚，岸窄水初生。一榻茶烟熟，更 男童红色外套 闻寒雀声。次韵周
By CC2008, March 14, 2023 @ 6:52 pm
描写玉兰花的诗句有哪些（玉兰花美句经典诗词）寒意未尽，暖色刚起，玉兰花开，便给料峭的三月带来一缕清香。玉兰花花开时异常惊艳，满树花 卫衣裙女夏 香 大众宝来雨刮器 ，花叶舒展而饱满，但花期短暂，但开放之时特别绚烂，代表一种一往无前的孤寒气和决绝的孤勇，优雅而款款大方。玉兰经常在一片绿意盎然中开出大轮的白色花朵，因其株干高大，开花位置较高，迎风摇曳，神采奕奕，宛若天女散花。《玉兰》明·睦石霓裳片片晚妆新，束素亭亭玉殿春。已向丹霞生浅晕，故将清露作芳尘。 红米note11pro钢化膜 《题玉兰》明·沈周翠条多力引风长，点破银花玉雪香。韵友自知人意好，隔帘轻解白霓裳。宫词宋·王仲修玉兰万朵牡丹开，先摘姚黄献御杯。翠幕重重围绕定，料应蜂蝶不曾来。《雪中玉兰花盛开》
By CC9284, March 14, 2023 @ 6:53 pm
琵琶行通假字整理（琵琶行全文译文）相信很多人都曾经经历过背诵文言文的痛苦，其实在我们的学生时 胆机耳放 代，有一些文言文确实是 格子风衣女2021年新款 很难背的。比如这三篇文言文真的是很多人都很怵头的，不知道你都背过吗？ 第一篇：《出师表》原文:先帝创业未半而中道崩殂(cú)，今天下三分，益州疲(pí)弊，此诚危急存亡之秋也。然侍卫之臣不懈(xiè)于内，忠志之士忘身于外者，盖追先帝之殊 家用客厅餐厅创意可爱抽纸盒 遇，欲报之于陛下也。诚宜开张圣听，以光先帝遗(yí)德，恢弘志士之气，不宜妄自菲薄，引喻失义，以塞(sè)忠谏之路也。宫中府中，俱为一体，陟(zhì )罚臧(zāng)否(pǐ)，不宜异同。若有作奸犯科及为忠善者，宜付有司论其刑赏，以昭陛下平明之理
By RV Repairs Near My Location, March 14, 2023 @ 8:01 pm
Wan na be smarter?
By detailing grodzisk mazowiecki, March 14, 2023 @ 9:30 pm
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By CC5444, March 14, 2023 @ 10:07 pm
英语唯美句子有哪些（一些优美的英语句子）1If I s 朗迪钙片 hould meet thee若我再见到你，After long years,事隔经年，How 沐浴露持久留香72小时香体 should I greet thee?我该如何贺你？With silence and tears.以沉默，以眼泪。——拜伦2If the distance between us is 100 steps , I’m willing to wal 男士遮阳帽 防紫外线 k 99 first , and then wait for you take that last step , I’m willing to wait as long as it takes, beca
By CC1889, March 14, 2023 @ 10:09 pm
有教育意义的故事短篇（正能量励志故事及感悟）真正有效的话语,应该是切合人的实际,真正有效的教育,应当能触及 简易折叠桌子 人的心灵。励志的 妈妈两件套装 有教育意义的简短的小故事：人生第一课这是美国一家普通的幼儿园。刚刚入园的儿童被老师带进幼儿园的图书馆，很随便地坐在地毯上，接受他们的人生第一课。一位幼儿园图书馆的老师微笑着走上来，她的背后是整架整架的图书。“孩子们，我来给你们讲个故事好不好?”“好!”孩子们答道。于是，老师从书架上抽下一本书，讲了一个很浅显的 蚊帐公主风 童话。“孩子们，”老师讲完故事后说，“这个故事就写在这本书中，这本书是一个作家写的。你们长大了，也一样能写这样的书。”老师停顿了一下，接着问：“哪一位小朋友也能给大家讲
By CC6900, March 14, 2023 @ 10:10 pm
形容五月的优美诗句（赞美五月的优美诗句）一年四季，春夏 男童短袖t恤夏装2022年新款中小童纯棉儿童装 秋冬，就数五月最美 体重秤家用 。四月绵雨把五月的天洗得剔透，没有尘埃，蔚蓝至极，瘦红肥绿的山川，把五月点缀的恰到好处。五月的孩童，肆意纯真梅子流酸溅齿牙，芭蕉分绿上窗纱。日长睡起无情思，闲看儿童捉柳花。——宋·杨万里《初夏睡起》✎ 看着活泼的孩子在打闹，你有没有想起过那个儿时的自己呢？五月的初夏，娇柔明媚斜阳照墟落，穷巷牛羊归。野老念牧童，倚杖候荆扉。雉雊麦苗秀，蚕眠桑叶稀。田夫荷锄至，相见语依依。即此羡闲逸，怅然吟式微。——唐·王维《渭川田家》✎ 农家里的闲言碎语，牵连着 闺蜜装t恤短袖 四季的庄稼，包含着纯真的期求。五月的荷花，香气逼人山光忽西落，池月渐东上。散发乘
By CC6528, March 14, 2023 @ 10:12 pm
以寻找为话 摩托车广角后视镜 题的作文800字（高考满分作文赏析）有关”拥有与寻找”的写作指导和示例阅读下面材料，根据要求作文。 短袖碎花雪纺衫 有人说，人生就是不断拥有和寻找的过程。不曾拥有，你会努力去寻找；失去拥有，你又会四处去追寻；有时，拼命寻找，你却失去了原来的拥有；有时，你苦寻不得，“蓦然回首，那人却在，灯火阑珊处”……你有这样的体验、感受和认识吗？请以“拥有与寻找”为话题 运动鞋男夏季透气防臭 ，写一篇文章。【注意】所写内容必须在话题范围之内。立意自定。文体自选。题目自拟。不少于800字。不得抄袭。立意1.根据材料中所提供的第一句话：“不曾拥有，你会努力去寻找。”我们可以这样来立意：不曾拥有所以寻找。问题的关键在于，我们寻找的究竟是什么？寻找
By CC0287, March 14, 2023 @ 10:14 pm
有关颜色 梅子熟了连衣裙 的现代诗有哪些 oppoa72女款手机壳 （写一种颜色的小诗）舞钢诗社现代同题诗收集：（按照投稿先后顺序）【红叶】文/花瓣雨褪掉了春的稚嫩，夏的浮华，清晰的脉络如一条坚定不移的路向目的地延伸……站在秋天盛大的舞台中一次次接受着风霜的洗礼，镇定而深沉。放慢脚步，静下心来——听！每片红叶里都跳动着一颗澎湃的心 夏季中裤 。有风吹过，白裙的少女惊讶地叫道：呀，一枚火红的情书落在了我的肩头。2020。11。4。【秋日私语】文/雨后幽兰缤纷的树叶，集体舞蹈吧蔚蓝的天空一如既往的蓝秋日，一首华丽的钢琴曲奏响遐思随风镶嵌走进山林找寻朴素的一草一木这多像我朴素的心包括透明的红色野果这些也可以重新描画不需要太多的借口秋日完全可以对着一朵流云凝
By CC9458, March 14, 2023 @ 10:15 pm
咏菊诗 高尔夫7改装 有哪些（最值分享的30首咏 小玩意稀奇古怪 菊诗）1、檐前甘菊移时晚，青蕊重阳不堪摘。明日萧条醉尽醒，残花烂熳开何益。篱边野外多众芳，采撷细琐升中堂。念兹空长大枝叶，结根失所缠风霜。——杜甫《叹庭前甘菊花》2、近从年长来，渐觉取乐难。常恐更衰老，强饮亦无欢。顾谓尔菊花，后时何独鲜。诚知不为我，借尔暂开颜。——白居易《东园玩菊》3、 生精补精男性 今春闰好。怪重阳菊早。满槛煌煌看霜晓。唤金钱翠雨，不称标容，潇洒意陶潜中能道。——晁补之《洞仙歌·菊》4、清香裛露对高斋，泛酒偏能浣旅怀。不似春风逞红艳，镜前空坠玉人钗。——司空图《华下对菊》5、小院菊残烟雨细。天气＿凉，恼得人憔悴。被暖橙香羞早起。玉钗一任慵云坠。——程垓《蝶恋
By CC5350, March 14, 2023 @ 10:40 pm
孟母戒子文言文翻译及注释（孟子读书文言文翻译）《孟母戒子》这篇文章是汉朝时期韩婴写的一篇文言文，出自于《韩诗外传》。大概内容讲的是孟子的母亲 隔离防晒遮瑕三合一粉底液 教导孟子面对学习不能半途而废的事情。《孟母戒子》韩婴写的《孟母戒子》这则文章讲的是孟子 胖妹妹显瘦套装 卫衣套装 在年少时期，背诵课文时候的事情。孟子背诵课文的时候，孟子的母亲一边听着他背诵一边织布。孟子背诵到一半突然停止了，停顿了一下又继续背诵下去。孟子的母亲知道他忘记了书中的内容，有点生气，于是把孟子叫到自己身旁。问孟子为什么背诵课文的时候停顿了?孟子回答他的母亲说，有些记不得了但是后来又想起来了。孟子的母亲听完他说的话之后，转身去拿了一把剪刀，把正在织的布毫不犹豫的剪断了，对 行李箱ins网红新款 孟
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描写菊花的优美句子（形容秋天菊花的句子唯美短句）九月，秋风起 单鞋平底鞋女 ！有些菊花已经开 小女孩套装夏 始盛开，那一簇簇红的、黄的、紫色的菊花，昂首怒放。菊花向来以他的高风亮节、坚贞挺拔为文人骚客所喜爱。不恨开时晚 自知能傲霜，古诗词里的菊花，唯美了整个秋天！忆福州旧居菊花宋-吕本中问讯阶前菊，如今属阿谁。祗应风露底，犹记摘残枝。和菊花宋-朱复之纷纷桃李春，过眼成枯萎。晚荣方耐久，造物岂吾欺。菊花宋-王十朋不恨开时晚，自知能傲霜。慎毋同琐细，采撷上君 左边袜子铺 堂。对菊花宋-张耒官闲身世两悠悠，种竹栽花一散愁。黄菊丛边对疏雨，一年怀抱此时秋。菊花宋-项安世暖风和日花时，不共人争丑夷。自爱霜深月冷，累累金粟生肌。菊花宋-赵汝绩汛扫官厅
By CC6123, March 14, 2023 @ 10:43 pm
描写春景的诗词名句有哪些（赞美春天的经典古诗）问君能有几 古着外套 多愁，恰似一江春水向东流【出处】五代·李煜《虞美人·春花秋月何时了》【鉴赏】李煜作此词是在当宋朝俘虏后的第二年春天。词中忆念他做南 千趣会旗舰店 唐国主时的富贵繁华岁月，“雕栏玉砌”的宫殿虽然仍在金陵，自己却做了俘虏到了汴京，住进“小楼”，所以大兴“故国不堪回首”之叹。原词中的春花秋月：指时光流转，岁月悠悠。故国：指南唐。问君：其实是自问。几多愁：有的版本写作“许多愁”。李煜从君王的身份下降为俘虏，感慨说不完。他写词艺术修养 衬衫女中年妈妈 洋气 极高，给后人留下了多篇佳作，此篇是其一。词在当时是谱入曲中歌唱的，明白易懂，这篇尤具特色。“问君能有几多愁?恰似一江春水向东流”一语
By CC6378, March 14, 2023 @ 10:45 pm
母亲节感恩的话有什么（感恩母 春秋连体衣婴儿外出 亲的句子唯美简短）母亲节祝福语感恩 匹克拖鞋龙生九子 母亲的一段话 母亲节暖心简短文案说说1．不管世界有多大，妈妈永远是最美的焦点。2．她放下了魔法棒和仙女裙却拿起了扫把和狼牙棒3．一辈子，你围着我转;这一次，换我围着你转。4．全世界都在催我长大，只有你心疼我的小翅膀5．世上美有很多种，你是最美的那一种。6．妈妈是个美人，岁月你别伤害她。7．我的时光是您的白发，我快快长大，你慢慢变老。8． 春季连衣裙女新款网红 我不曾是你的的骄傲，但你却一直待我如宝，感谢您，我最爱的妈妈9．请你原谅，这个笨拙的儿子（女儿），他真的不太会爱。10．妈妈就爱听你的那些不善言辞。11．谢谢有你，世界才不是寂寞荒野，而是四季流转的花
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描写月的古诗诗 男性成人用品自慰器 句（表达思乡之情的古诗）《南乡子》宋·苏轼不到谢公台。明月清风好在哉。旧日髯孙何处去，重来。短李风流更上才。秋色渐摧颓。满院黄英映酒杯。看 屏幕摆件 取桃花春二月，争开。尽是刘郎去后栽。今天的明月清风也好，明年的桃花春色也好，今朝有酒有你，就今朝醉吧。 《鹧鸪天》清·王国维列炬归来酒未醒，六街人静马蹄轻。月中薄雾漫漫白，桥外渔灯点点青。从醉里，忆平生。可怜心事太峥嵘。更堪此夜西楼梦，摘 裙子女夏连衣裙白色 得星辰满袖行。摘得星辰满袖行。恐怕唯有醉酒的人，才会有这样大胆别致又可爱的想法。平生所有俗事，在沉醉的人眼中，恐怕都不值一提。唯有满天星辰，是心头所好。 《临江仙》明·杨慎滚滚长江东逝水，浪花淘尽英雄。是非成败
By CC8211, March 14, 2023 @ 10:48 pm
每天开心快乐的句子（阳光心态正能量的句子）01、得之淡然，失之坦然。02、心中常驻快乐，就无须沮丧。03、有你陪伴， 高端小香风毛衣 我亦不曾孤单。04、有一种幸福叫四叶草！05、最迷人的，还是遇见了你。06、风很清澈，从头到脚都快乐 文件手提袋 。07、我这颗心，宁静如大海。08、喝茶读书，不争朝夕。09、坚强，向上，靠近阳光。10、美与可爱，有心皆懂。11、嘴角含笑，成为最初稚模样。12、天空碧蓝，微风轻柔。13、明媚的色彩正在等着你。14、刚切开的西瓜，是初恋的颜色。15、只要心是晴朗的，人生就没有雨天。16、与你同一片星空，我不孤单。17、晚风吻尽荷花叶，任我醉倒在池边。1 穹妹cos 8、岁月静好，现世安稳。19、水在流，鱼在游
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译者去世三年还没拿到翻译费（按时按合 无线键盘 同支付稿酬是最基本的行业底线）“先简单催一下这两 志高空气炸锅 本书的翻译费吧。怎么说呢，我给你们策划这些书，应该也不算丢你们脸，翻译费赶紧结了吧。尤其前者，跟译者签合同时人还在，出书的时候人走了，译者遗孀催我很多次，我无言以对。你们又不差钱，对吧。”10月15日，出版人杨全强在微博上公开发文并艾特河南大学出版社，为其策划图书的译者讨要拖欠数年的翻译费。微博发出后，迅速引发了出版 欧米茄蝶飞女表 界人士的普遍关注，短短三天，就已经有了3000多的转发量，反观河南大学出版社，却开启了“鸵鸟”模式，不仅置若罔闻，还在第一时间开了评论精选。记者多方联系河南大学出版社未果，微博私信也暂时没有回音。译
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忆秦娥李白（李白忆秦 匡威厚底帆布鞋女 娥翻译及赏析）上一节，我们讲了李白的《 裤子女夏季 工装裤 菩萨蛮》这首词。李白用一连串的意象，如平林、烟霭、寒山、暝色、高楼、宿鸟、长亭、短亭等，繁密但清旷的意象，借景抒情、融情入景、情景交融，既反映了词人寻找自我归宿而不得的伤感，更反映了人类 打底裤夏防走光 灵魂寻找精神桃花源的渴望。因此，李白这首词写的是妙笔生花感发人心。可以说是一出道就是巅峰，恐怕就是苏东坡、辛弃疾，在李白面前，那也要承认三分。所以，李白真的是伟大的天才，他总能写出我们心里有但手下无的东西。李白在词的发展初期，在没有前人参照的基础上，一下子就写出这么牛的作品，这只能让人感叹，天才就是天才！这首《菩萨蛮》还不是李白最好的词作，而我们接下来要
By CC4987, March 15, 2023 @ 2:52 am
形容人心的句子说说（适合发朋友圈看透人心的句子）强扭的瓜不甜，强求的情不坚。 当你觉得别 贴墙纸自粘装饰画 人不对时，你自己已经错了 咖啡杯便携 。 你不愿意原谅别人，放不过的其实是自己。 世界从来没有变得复杂，复杂的是人心。世界怎样，全是一个人内心的映射。”你若可爱，生活处处可爱。你若可恨 ，生活处处可恨。” 懂得放下，你可以得到更多。善良是一种品质 ，厚道是一种修养。善良图一个心安理得，厚道是为了问心无愧。 “至亲至疏夫妻”，争吵、冷淡 鞋子男童夏 、出轨、离婚，婚姻中出现各种问题，大抵没处理好”疏”的问题。不管什么关系，都要保持一定距离和空间，走得太近必将带来灾难。 如果一个人没有主见 ，兼听未必则明。拿不定主意的时候，让自己 沉静下
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孤独句子简短（一个人孤独伤感的句子 太空狼人杀steam 短句）1. 最深的孤独不是长久的一个人，而是心里没有了任何期望。2. 当没人懂我的时候，我学会了不解释；当所有人都忽略我的时候，我学会了一个人 竹床折叠床 。、你看，世人多奇怪。喜欢的人得不到，得到了不珍惜，在一起时怀疑，失去了怀念，怀念的想相见，相见又恨晚。终其一生，满是遗憾。3.曾经，我和你分享我的所有秘密，但现在，你成了我心底的秘密。4.还好快乐无法购买，不然我早已倾家荡产；还好悲伤无法买卖，不然我现在已经富可敌国。5.总有一个人，原本只是生命 石英表女款 的过客，却成了记忆的常客；总有一份情，惊艳了你的时光，却温柔不了你的岁月。6.每次别人说喜欢我，我都觉得他们的喜欢很浅，浅到喝
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杜甫的绝句四首有哪些（绝句四首原文鉴赏）1.江南逢李 仰卧起坐垫子学生中考体育训练垫 龟年唐·杜甫岐王宅里寻常见，崔九堂前几度闻。正是江南好风景，落花时节又逢君。据说这是 红宝石耳钉 杜甫生前的最后一首诗！蘅塘退士称“少陵七绝，此为压卷。”被称为最具苍桑感的一首！开元盛世时期的李龟年，宫廷里的大乐师，岐王宅里和崔九堂前的常客，如今却流落江南靠卖唱为生。江南好风景，落花时相逢，两位已风烛残年的老人，该说些什么呢？ 2.绝句唐·杜甫两个黄鹂鸣翠柳，一行白鹭上青天。窗含西岭千秋雪，门泊东 礼品袋女神节 吴万里船。杜甫这首绝句，竟然是两两对仗，且精工自然，这在绝句中极其少见。四句一句一景，画面感极强，黄鹂翠柳，声色并茂。白鹭青天，对比鲜明。西岭对东吴，千秋雪对万
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外套设计感女小众春 父亲的散文诗歌词（写给父亲的散文诗歌词）每次听《父亲的散文诗》这首歌，总被里面的歌词所感动：明天我要去 拖鞋女新款2021年居家 ，邻居家再借点钱，孩子哭了一整天哪，闹着要吃饼干，蓝色的涤卡上衣，痛往心里钻，蹲在池塘边上，给了自己两拳。听到这首歌，内心中总是一种莫名的悸动，那是一个父亲的自责，无助与悲哀。父爱总是如此，平静得你在 单肩帆布包大容量 他的脸上看不到一丝的波动，他总是把所有的责任扛起来，默默地为孩子做着最平凡的事情，却不想让孩子知道。今天，我们就来聊一聊父爱吧！1.父爱是平静湖面上的涟漪在我的印象中，父亲总是一副波澜不惊的面容，喜也看不出，怒也看不到。就算是我的成绩考出全年级第一，当我拿着奖状给他看时，他也只是微微点点头，并没有
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渡荆门送别翻译简短（渡荆门送别原文及注释）李白《渡荆门送别》赏析【原文】渡荆门送别——[唐] 李白渡远荆门外，来从楚国游。山随平野尽，江入大荒流。月下飞天镜 坐垫 椅子垫夏天 ，云生结海楼。仍怜故乡水，万里送行舟。【注释】荆门： 名媛高级感连衣裙 山名，在湖北省宜都县西北。战国时属于楚国。渡远荆门外，来从楚国游：渡远，是“远渡”的倒写。来从，是“来作”之意。这两句的意思是说，诗人乘船远渡荆门，是来楚国做一次旅游。楚国：古楚国之地，泛指今湖北、湖南一带。江：长江。大荒：广阔无际的原野。月下：月亮下移。海楼：海市蜃楼。仍怜故乡水：仍，频频。怜，爱。故乡水，指长江，李白早年住在四川，故有此言。全句的意思是说，我依然怜爱这来自故乡之水。【 旗袍改良夏妈妈 翻
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优露清官方旗舰店 发朋友圈回家的话语（适合回家路上的朋友圈）此时相望不相闻，月夜思乡忆故人。 肛门性用品 来看看回家的心情感慨句子。回家的心情感慨句子1、回家的路又短又长，短的是距离，长的是心情。2、每天上班下班回家等待双休的到来现在的生活就是一线三点。3、回家的路越近了，就越 家用电子秤厨房 没有时间回家，心里的思念越深了，就越没有机会回头。4、带你回家，待你回家，代你回家。5、家的味道永远特别香，回家陪爸妈吃饭，我是乖女儿。6、我想对你说我爱你，娶你回家，带你去旅行，陪你一起玩游戏。但我不是他，我不及他。7、此时相望不相闻，月夜思乡忆故人。8、每个人都是梦想家，当梦走了，你只剩想家了。9、你什么时候谈恋爱?等我遇上了就谈了!回家有多少是被
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古诗示儿的意思全解（示儿的全诗解释）一、说文解字在记忆《示儿》时，第一步是理解《示儿》全文的意思。如果不了解诗人陆游的基本情况、特殊文字等 辣妹纯欲风套装夏 意义，那么想要记忆《示儿》就无从谈起了。1.作者介绍陆游（1125年—1210年），字务 书籍排版 观，号放翁，汉族，越州山阴（今绍兴）人，南宋文学家、史学家、爱国诗人。2.背景介绍此诗是陆游临终之作，表现了诗人一生的心愿收复九州，表达忧国忧民的爱国情怀。3.文章注释示儿：写给儿子们看。元知：原本知道。元，通“原”，本来。王师：指南宋朝廷的军队。北定：将北方平定。中原：这里指淮河以北被金人侵占的地区。家祭：在家里祭祀先人。乃翁：你的父亲，指陆游自己。4.全文意思我本来 上海故事睡衣官方旗舰店 知
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感恩父母养 牛筋底男鞋 育之恩的一段话（表达对爸妈感谢的话）1.每一次转身，迎接我的是拥抱；每一次倔强，软化我的是微笑；每一次远行，行囊满满是唠叨；每一次付出，从没索 正版奥特曼积木拼装玩具男孩益智力儿童拼插小颗粒机器人礼物 取过回报。感恩节，祝妈妈一切安好！2.如果可以，请让这时光慢些。如果可以，请让我快速成长。如果可以，请善待我的父母。3.有种爱，一生一世不求回报，那是母爱；有个人，一生一世值得你爱，那是母亲。 春款女装2022年新款 西装连衣裙 4.不管我们走的多远，爸妈永远是最爱我们的，时光请善待我的爸妈，给我多一点的时间爱他们。5.山，没有母亲的爱高；海，没有母亲的爱深。天，没有母亲的爱广阔；地，没有母亲的爱包容；太阳，没有母亲的爱温暖；祝妈妈节日快乐！6.妈妈，如今我也做了母亲，您的辛苦，您
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杜甫登 步前鞋婴儿春 高原文及翻译（登高杜甫古诗赏析）《登高》杜甫风急天高猿啸哀，渚清沙白鸟飞回。无边落木萧萧下，不尽长江滚滚来。万里悲秋常作客，百年多病独登台。艰难苦恨繁霜鬓，潦倒 ck女款手表 新停浊酒杯。白话译文：风急天高猿猴啼叫显得十分悲哀，水清沙白的河洲上有鸟儿在盘旋。无边无际的树木萧萧地飘下落叶，望不到头的长江水滚滚奔腾而来。悲对秋景感慨万里漂泊常年为客，一生当中疾病缠身今日独上高台。历尽了艰难苦恨白发长满了双鬓，衰颓满心偏又暂停了浇愁的酒杯。注释解说：⑴登高：农历九 电脑显示屏 液晶屏 月九日为重阳节，历来有登高的习俗。⑵猿啸哀：指长江三峡中猿猴凄厉的叫声。《水经注·江水》引民谣云：“巴东三峡巫峡长，猿鸣三声泪沾裳。”⑶渚（zhǔ）
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超隔音窗帘 独坐敬亭山的诗意（独坐敬亭山的诗意简短）李白配图唐肃宗上元年（760年）间，因永王之乱而获罪、差点命丧的李白已 儿童帽子男孩春夏 经得到赦免，却由于生活毫无着落，只好依人为生，来往于宣城、金陵旧游之地。豪放一生，洒脱一世，仿佛谪仙般的李白，终究难免逃难般流离于红尘俗世，游离在朝堂之外，其内心的郁闷，及其难以排谴的孤独，更有无人可以讲述的寂寞，应该是时时袭击着他的胸怀吧。否则，又怎么会在故地重游之后，写下如此悲凉的诗句出来呢？ 儿童洗发 诗意配图《独坐敬亭山》[唐]李白众鸟高飞尽，孤云独去闲。相看两不厌，只有敬亭山。一个“独”字作为标题，特别醒目，特别扎眼，不是人到伤心处，如何起得此标题？当年的那些热闹，已经渐去渐远，似乎午夜
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By CC1215, March 16, 2023 @ 5:18 pm
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一句话祝福祖国短语（对于祖国的祝福短句）国庆节对祖国母亲的祝福语简短20字 祝愿祖国强大的寄语一句话2、 防滑鞋底 万紫千红迎国庆，片片红叶舞秋风。举国上下齐欢畅，家和国盛万事兴。3、 国庆、家庆、普天同庆，官源、财源、左右逢源，人 牛仔裤九分裤男小脚 缘、福缘，缘缘不断。4、 没有国，哪有家;没有家，哪有你我。国庆来临，让我们共祝愿国圆家圆，家和万事兴。5、 国庆节是中国的一个最重大之纪念日！年年国庆，庆祝新胜利；处处笙歌，咏唱大丰收。6、 我们可以用鲜花来庆贺你的生日，我们可以用心灵来歌唱你的伟大。但我更愿用一片赤子之情来建设你——我的祖国。7、 欢欣鼓舞，歌功颂德，歌唱祖国，祖国统一，国防力量，国徽闪闪，国家主权，庆 荷花盆 祝
By CC9030, March 17, 2023 @ 2:37 am
形容夏天的诗句有哪些（最能体现夏天的诗句）四时美景，各有千秋!春生 孔凤春马齿苋补水喷雾 夏忙秋收冬藏!大自然赋予夏天最为艳丽的美 猛犸牙三通 景!不信你来看看这60句描写夏天的古诗佳句，个个颜色鲜艳，歌声动听!1、小荷才露尖尖角，早有蜻蜓立上头。____杨万里《小池》2、水晶帘动微风起，满架蔷薇一院香。____高骈《山亭夏日》3、接天莲叶无穷碧，映日荷花别样红。____杨万里《晓出净慈寺送林子方》4、柳庭风静人眠昼，昼眠人静风庭柳。____苏轼《菩萨蛮·回文夏闺怨》5、稻 牛仔裙小个子 花香里说丰年。听取蛙声一片。____辛弃疾《西江月·夜行黄沙道中》6、欲把西湖比西子，淡妆浓抹总相宜。____苏轼《饮湖上初晴后雨二首·其二》7、清风明月无人管
By CC7820, March 17, 2023 @ 2:38 am
夜雨寄北原文及翻译（夜雨寄北古诗的意思翻译）本文一共 2831 字，阅读需 小米真无线降噪耳机3 3 min 左右。按名声来说，唐代诗人中，李白、杜甫名声的最大。但是在唐代，李商隐绝对是最会写情诗的人。一首首经典的《无题》诗，留下许多经典诗句：春蚕到死丝方尽 袜子夏季薄款女船袜 ，蜡炬成灰泪始干。身无彩凤双飞翼，心有灵犀一点通。夕阳无限好，只是近黄昏。相见时难别亦难，东风无力百花残。春心莫共花争发，一寸相思一寸灰。深知身在情长在，怅望江头江水声。可怜夜半虚前席，不问苍生问鬼神。此情可待成追忆，只是当时已惘然。…… ……他有一首诗，全篇没有一句“我想你”，但每个字都比“我想你”来得更真切、更深情——这就是《夜雨寄北》。《夜雨寄北》君问归 短款仙女裙 期
By CC2482, March 17, 2023 @ 2:40 am
有关学习的名言警句(学无止境的优美句 远程遥控跳蛋 子）人在学习上，不可以自弃，又不可以自大。关于学习方面的名言如下：1.不积跬步，无以至千里；不积小流，无以成江海。-《荀子》不一步 工作证挂绳 步走，就走不到千里之外的地方；不把细流汇集起来，就无法形成江流大海。2.学必求其心得，业必贵于专精。-清•章学诚学习了就一定要追求有心得体会，从事职业贵在专业精通。3.知之者不如好之者，好之者不如乐之者。-《论语》知道它的人，不如真的喜欢它的人；喜欢它的人不如那些以它为乐 甜酷裙 短裙 趣的人。4.学而不思则罔，思而不学则殆。-《论语》只知道学习却不独立思考，就会产生许多思想困惑；只凭自己胡思乱想而不虚心学习就会精神疲倦。5.知之为知之，不知为不