Dave Ramsey is an author and has a call-in financial radio show. His books are "Financial Peace, Financial Peace Revisited, and Total Money Makeover. He has what he calls "7 Baby Steps" to becoming debt free without paying someone else to negotiate with your creditors and the like. According to him the paid off home mortgage is becoming the status symbol instead of a BMW. One of his things is what he calls a "beans and rice, rice and beans" diet while paying off your "debt snowball. He has a 13 week course of classes called Financial Peace University where his baby steps are taught. Many times the classes are held at churches as he is a Christian and not ashamed to quote the Bible. Just go to either daveramsey.com to check it out. I've never taken his course but I have read all three books and if you've got the self-discipline I think a person could follow the program just by reading and following the advice in his books.
I'm looking for two people to volunteer at his next live event here so I can get a "$10 floor table" where I will seen and here all of his talk. He sells his books, software and so on for $10 each and I really enjoyed my work this past March. Because the floor tables can be reached quicker than the other tables they stay very busy and that's why 3 people are needed to man each one. In exchange for volunteering you get a voucher for one free $10 item or $10 off a higher priced item such as his beginners kit and so on; you also get an ivy green "Financial Peace Live" tee shirt to wear as you work your assigned place, a free box lunch, and after everything is packed up a free dinner that Dave attends.
A recumbent bike is one where you sit down and pedal with your legs straight out in front of you instead of hanging down. I've seen some on the street here but I don't think I'd feel safe on one of those as being on a regular bike is dangerous enough so I think I'll stick to the ones used strictly in a gym setting. Not sure why but both a physical therapist and my Rheumatologist told me it is better for me as it's easier on the hips and knees than a treadmill. I'm guessing it's because the seat holds your weight, not your legs.
I saw a recumbant bike today in a nearby town. Some guy was riding it all over downtown, and it was holding an advertisement banner. It looks awkward to peddle. I can see it putting less stress on my hips, but I wonder if it puts stress on the lower back?
Molly, I'll have to give a recombant bike a try if I ever get the chance.
Christine, I love Sept - early November for vacations. We haven't taken vacation time off for that time period then since before the kids started school, back in the 80's, lol!
It's raining here....so no grilling for the game. We're watching the 49ers, and we're losing. But, that's rather common for us! But.....the Giants are going to the World Series. Woot!
Went to a crop yesterday and had a great time. I only finished one layout, but got started on another, and nearly finished 3 projects. One was very large. I have to wrap stuff up by doing messy stuff (stickles, paint, etc). I prefer doing that stuff at home, rather than having to transport half-dried stuff in my car.
Edited by Luvmyfam on 10-24-10 11:19 AM. Reason for edit: No reason given.
My scrapbooking has come to a halt for a few weeks. I am back in therapy for the lymphedema in my right arm...trying to get it under control before it gets out of control. The wrapping seriously limits creative work since it is definitely my dominate hand/arm.
Enjoying cooler temps here today...mid-70. Hope it is here to stay!
We're rainy again this weekend. It's as if we went right from Spring to Winter. No Summer or Fall for us. I can't complain, though, we had dozens of 70-degree weather days this summer. That's my fav temp!
Ladies I have wonderful news. My daughter had her fourth daughter last Thursday. Marie-Honor Evangeline was born 11-11-10 at 12:34pm, weighed in at 8 lbs. 9 oz, and was 20" long. She's got dark hair and eyes like her momma and daddy. They went home on Saturday, weren't thrown out the same day like so many hospitals do. She'll really stand out among her sisters since they are all blue-eyed blonds. LOL
Okay you've all made me feel old in here, not really because I've never been hung up on numbers. It's all in how you feel, so I feel 30, but my birth certificate says I'm 52! I'm in the process of my 2nd divorce and I have two grown children, daughter 30, son 26 and 3 amazing grandchildren, 7, 5, and 2! I had a freak waterskiing accident 30 years ago and because of this accident have had over 12 spinal surgeries and numerous other procedures. I live in severe chronic pain and scrapbooking and cardmaking help to take my mind off my problems. I don't look at the bad things I've been through, and there are many, I know I am blessed to be walking, so I concentrate on that! I'm preparing for another 2 level surgery in late Dec., so I've been working like a madwomen to get all my New Year's Eve and family birthday's cards done before I go in.
I love life and my two miniature dachshunds who are a great comfort. They seem to know when I'm having a bad day and lay with me just to let me know they care. Nothing like a dog to let you know there is such a thing as unconditional love!
Can't wait to get to know all you youngins! Any questions, concerns or just having a bad day, I'm hear and I've been there many times. Glad to be here with all of you!
Hi there! I a m41 but act like maybe 20ish! lol! I recently got a job at a day care center in town, but due to damage from Hurricane Sandy, have not been able t oeven start! Looking to ge into physical therapy. I am single, and have a daughter, Brianna who just turned 7 last Saturday. I have arthritis in both knees and bursitus in my left ankle. Thankful it is the left ankle, I can still drive. I am a confesssed wino, and Ilove to cook!! Iam also pretty sure I a mperi menopausal . Love this thread!
54 years old, separated from husband after he left us after 25 years of marriage. Three daughters, Lorna (26) with 7 months baby boy- single mom, Deborah 25 yrs, single mom with 4 yrs boy and Sarah (22) no kids. Love been a grandma of 2 boys, but not much energy to deal with both at the same time! Love to scrap and faith booking. Both parent alive but needing more attention. Love my life, but not the aches and pains. Slower in moving now, but it is part of life and aging! Battleing Colon Cancer stage IV, keeping a very positive attitude and trusting God in everything!