Podcasts about dear dave

Dear Dave, My wife and I make about 0,000 a year combined. We're also debt-free, and we have no kids. We'd like to start planning to buy a nice piece of land sometime in the near future. Do you have a rule of thumb when it comes to determining what percentage of our savings we should put toward a large purchase like this? Daniel Dear Daniel, Honestly, I'm not sure there's necessarily a specific percentage for this kind of thing. Since you guys are already debt free — and congratulations on that, by the way — I'd advise first making... Article Link

Dear Dave, I'm 25, and I work as a property manager making ,000 a year. I'm in the middle of paying off my debts, but I'm struggling to stay intense about it. I'm in a long-distance relationship that forces me to spend a lot of money to see my boyfriend. He's not working right now, and it's been a while since his last job. That means I'm always spending extra on gas and other things to make the eight-hour, round-trip drive twice a month so we can spend time together. We've been together for almost two years, but I'm honestly... Article Link

Dear Dave, My husband and I are in Baby Step 3. We currently have [post_excerpt],800 saved toward our fully funded emergency fund goal of ,000. I want to spend 0 on a flour mill that's on sale. You use them to mill wheat into flour. Our household income is about ,000 a year, and we have enough money in our checking account to cover the cost without putting us in a bind. Would this be okay? Teresa Dear Teresa, If you're looking for a flour mill, I've got a used one I'll sell you — cheap. We've even got a... Article Link

Dear Dave, I'm 26, and I graduated from college a few months ago. I was fortunate enough to have a job making ,000 annually waiting for me. I don't have any other debt, so my only real problem right now is about ,000 in credit card debt. It doesn't seem like a huge amount, but I don't want to fall into the trap of relying on debt throughout my life. Do you have any suggestions for remaining motivated to stay out of debt in the years ahead? Emil Dear Emil, Congratulations, young man! Aside from the credit card debt, it... Article Link

Dear Dave, I just got married a week ago, and my husband and I are already having problems. While we were single, we practiced doing budgets together, and we agreed to follow your plan and get out of debt. The other day, we sat down to our first budget meeting as a married couple, and he told me he doesn't consider the balances on his two credit cards to be debt. He said he plans to keep them for emergencies, but he's still using them for everyday things. He's 33, and I'm 31. I really want this marriage to work... Article Link

Dear Dave, My wife and her siblings each inherited about ,000 when their dad passed away. One of her siblings, who was named executor of the estate, told my wife that she plans to withhold the money from one of their siblings. She said it's because she thinks she's financially irresponsible. My wife and I don't think this is the right thing to do, and we're wondering if it's even legal. Can you give us some answers? Mike Dear Mike, You and your wife are correct. What her sibling is planning isn't right. On top of that, this person also... Article Link

Dear Dave, I'm currently in Baby Step 2 of your plan, and I've been intense about paying off debt. I make about ,000 a year in sales and recently received a tax refund of ,400. I have an idea to use the refund money to open a trailer rental business as a side hustle to pay off debt faster. Do you think this is a good idea, or should I use all the money to help pay off debt? Mike Dear Mike, I like that you're trying to find a way to pay off your debt even faster. But no,... Article Link

Dear Dave, My husband and I are 38 years old. We're completely debt-free, we each have great jobs with honest, conscientious companies, and we're doing very well financially. We tithe regularly to our church, and we try to give wisely to civic groups and non-profit organizations in the area. We don't talk a lot about this kind of stuff, because we've found it sometimes causes others to treat us differently. Believe me, we both understand how incredibly blessed we've been. We always try to give God the credit, and not brag as if we did it all ourselves. Do you... Article Link

Dear Dave, I'll be graduating college in May with a degree in elementary education. I'll have a job at a local school waiting for me, and this will be the first time in my life I've made more than minimum wage. The great news is my new job will raise our household income to over 0,000 a year. The bad news is we've got ,000 in student loan debt, ,000 in credit card debt and ,000 to pay off from a car repossession a few years ago. How do you recommend my husband and I manage our upcoming increased income?... Article Link

Dear Dave, Is it ever okay to pull money out of your emergency fund to pay off your home? My husband and I were talking about this the other day, because we are so close to paying off our mortgage. We would appreciate your thoughts. Erin Dear Erin, Believe me, I understand how tempting it could be to throw a bunch of money at your house, get rid of the mortgage payments and own it outright. But, I wouldn't recommend draining your emergency fund to make it happen — even if it meant being completely debt-free sooner. The only time... Article Link

Dear Dave, I have two cars. One is paid for, and I owe ,000 on the other. These are my only vehicles. I'd like to sell the one I still owe money on, but no one wants to pay enough to cover the balance. I make ,000 a year, and I also have enough money in savings, with plenty left over, to cover the difference on one of the offers. Still, I was wondering if there's a rule of thumb to determine whether or not to sell a car in this kind of situation? Jimmy Dear Jimmy, If you really... Article Link

Dear Dave, I'm 65-years old, and I work parttime. My wife is 59, and she works full-time earning about 0,000 a year. We're both self-employed, so at what point do we stop buying term life insurance? I have a 0,000 policy, and we have 0,000 in savings. We're debt-free, except for two car loans that total ,000. Franklin Dear Franklin, Okay, first let's clean up those car loans. With your combined incomes, plus the money you two have in savings, there's no reason to have car payments hanging around your necks. Aside from that, you're in pretty good shape. When...Article Link

Dear Dave, My wife and I are in our mid-thirties, and the only debt we have is a combined ,000 in student loans and credit card payments. We've got almost 0,000 in our 401(k) plans, plus we have no children. What steps can we take toward becoming even better investors? Curt Dear Curt, Whether you're building a house or building wealth, a rock-solid foundation is an absolute must. Without a firm foundation, everything can easily fall apart. So, while you two aren't off to a bad start investingwise, let's talk about the “construction” process a little. The first brick you...Article Link

Dear Dave, I'm single, and I work with a wellknown, high-end retail company. Over the years, I've noticed that certain models of some watch brands appreciate incredibly over time. I've seen a few that have doubled, tripled and even quadrupled in value over the years. With this in mind, what do you think about the idea of select watches, including vintage watches, as part of my investment portfolio? Adam Dear Adam, I've seen a few really nice watches in my day. Now, I even own a couple. But watches, no matter the brand or model, aren't what I'd consider to...Article Link

Dear Dave, I'm single, and I work with a wellknown, high-end retail company. Over the years, I've noticed that certain models of some watch brands appreciate incredibly over time. I've seen a few that have doubled, tripled and even quadrupled in value over the years. With this in mind, what do you think about the idea of select watches, including vintage watches, as part of my investment portfolio? Adam Dear Adam, I've seen a few really nice watches in my day. Now, I even own a couple. But watches, no matter the brand or model, aren't what I'd consider to...Article Link

Dear Dave, My husband and I are making great progress in paying off almost 0,000 in debt from student loans and a car loan using your debt snowball system. Our current combined income is ,000 a year. He makes ,000 as a teacher, and I make ,000 as a retail assistant manager. My husband would like to go back to school and get his master's degree. We've talked about him quitting his teaching job in order to do this full-time. He'll be able to make significantly more money with an advanced degree, and he would only be unemployed for two...Article Link

Dear Dave, I'm 50 years old, and through a series of bad life decisions, I have nothing set aside for retirement. Now that I'm finally in a better place financially, I'm getting to the age where people say to invest conservatively. Because of this, I'm afraid to invest in anything aggressive, and that makes me feel like I'll never be able to have a decent retirement. I've put aside ,000 in a savings account so far. Any advice you have would be appreciated. Jack Dear Jack, First of all, you're not at the age where you need to be investing...Article Link

Dear Dave, I talked to my dad the other day, and he wants me to pay for his life insurance policy. He says I should look at it as an investment, and he doesn't want to pay for it himself anymore, since he'll never get any benefit from the policy. My dad is 65 and in pretty good health. I'm 24 and not sure how I feel about his request. Can you give me some advice on handling the situation? Frankie Frankie, This is really weird. I'm sure it was doubly weird for you to hear it from your dad!...Article Link

Dear Dave, I talked to my dad the other day, and he wants me to pay for his life insurance policy. He says I should look at it as an investment, and he doesn't want to pay for it himself anymore, since he'll never get any benefit from the policy. My dad is 65 and in pretty good health. I'm 24 and not sure how I feel about his request. Can you give me some advice on handling the situation? Frankie Frankie, This is really weird. I'm sure it was doubly weird for you to hear it from your dad!...Article Link

Dear Dave, My husband and I make 0,000 a year combined. Right now, we're working on our debt snowball. We're almost debt-free except for our home, but we still have a little bit left on two car payments and some credit card debt. He wants to get rid of the credit card debt, but he doesn't seem to mind having car payments. I'm not sure I understand why he feels this way, and I'm a little worried he might lose interest in paying off debt once the credit cards are gone. Keri Dear Keri, To be honest, I'm not sure...Article Link

Dear Dave, My wife and I have paid off all of our credit card debt, but she doesn't want to follow your suggestion to cut up the cards and close the accounts. She wants us to keep the cards in a safe deposit box at the bank, and use them for nothing but emergencies. I think this has something to do with the fact she grew up in a poor family. We're doing okay, but it makes me wonder if some part of her is afraid of being poor again. We both know this isn't what you recommend, but what...Article Link

Dear Dave, My wife and I have been married for nine months, and we've been following your Baby Steps plan for three months. We have about ,000 in debt, and I recently cashed out an old whole life policy that enabled us to pay off ,000 of our debt. My wife still feels weird about us doing that, since the money paid off all the student loan debt she accumulated before we got married but none of the debt I brought to the marriage. I look at everything as ours, not mine and hers. What can I do about her...Article Link

Dear Dave, I've been listening to your radio show, and as a result I've decided I'm tired of living paycheck-to-paycheck and being broke all the time. I know Baby Step 1 is saving a beginner emergency fund of [post_excerpt],000. But do you recommend getting current on past due bills before starting the Baby Steps? Dear Edward, I love it! When people decide to change their lives, and they talk about it the way you have, I know they're serious about making something good happen. You're sick and tired of being sick and tired, and you're going to get control of...Article Link

Dear Dave, My wife and I own three commercial properties. They are all leased out long-term. Currently, we owe about 0,000 each on two of the buildings, and a little over 0,000 on the other. The only other debt we have is our home mortgage, and we should have that paid off in two or three years. I know you hate debt, but how do you feel about owing on commercial properties that are consistently making good money? Dean Dear Dean, From what you've told me, it doesn't sound like you two need to shift into panic mode and start...Article Link

Dear Dave, My wife and I are on Baby Step 2 of your plan. Right now, we're almost finished paying off the last of our non-mortgage debt, which includes unpaid taxes from previous years and some old credit card bills. We're in a much better place financially than we used to be, and I'd like to start putting a little money aside for a vacation and a couple of other fun things down the road. My wife disagrees with this idea. She wants to stick to your plan 100 percent and finishing paying off the debt, then move on to...Article Link

Dear Dave, Our daughter is 30, and she used to live a completely irresponsible lifestyle. This irresponsible behavior extended into the way she handled her finances, too. While she was in college, she took on ,000 in student loan debt against our advice.About a year ago, she was in a bad car accident. She has recovered, but the experience really changed her. Her outlook on life, her finances and spiritual matters, in particular, are so much more mature. We were thinking about paying off the remainder of her student loans, just as a way to help and celebrate her big...Article Link

Dear Dave, I went through a divorce earlier this year, and I was granted custody of our children. They're 13 and 18. The house we live in is paid for, and it's worth about 0,000. I also don't have any other debt. My ex-husband has been very good about paying child support, and I have 5,000 in savings. Should I be investing at this point? Michele Dear Michele, I'm really sorry to hear about the divorce. I know the whole situation, regardless of the financial situation, is very hard on you and your kids. Do yourself, and them, a favor,...Article Link

Dear Dave, I started following your plan at the first of the year. It was one of my New Year's resolutions. I even budgeted for Christmas each month. I've already gotten my holiday shopping done early, but in the process, I went a little crazy and overspent. Realistically, I know things will be okay. I stayed on track all year until now, but I'm still feeling ashamed about blowing my budget this month after doing so well the rest of the year. Do you have any suggestions for dealing with the guilt and getting motivated again? Madelyn Dear Madelyn, You...Article Link

Dear Dave, My wife and I have been married for less than a year, and we're already having disagreements over money. I love her, and one of the reasons I do is because she has such a giving heart. The problem is I feel like she's taking this too far. Often, she will give money to family and friends. Most of the time I wouldn't mind this, as long as the person really needed help. But often she will do this, and we end up short when it comes to taking care of our bills, paying off debt and saving....Article Link

Dear Dave, My girlfriend and I dated exclusively for three years before I asked her to marry me. Before that, we were great friends for almost 10 years. It seems like we know everything there is to know about each other. In our situation, would you still recommend pre-marital counseling before the wedding? Grant Dear Grant, I'm a big believer in pre-marital counseling, no matter how long a couple has been dating or how long they've known each other. In my mind, in-depth, detailed pre-marital counseling is an absolute must. I mean, you wouldn't try to run a marathon without...Article Link

Dear Dave, My girlfriend and I have been dating seriously for a little over a year. We're both 28, and I know I love her, but there's something that worries me. She's very smart, but at the same time, she's not very responsible with money. I know that no one is perfect, but sometimes she'll get behind on her bills in order to do things like buying clothes or going to concerts. How should I approach talking to her and explaining my concern about this? I'd like to ask her to marry me sometime next year. Lincoln Dear Lincoln, Congratulations...Article Link

Dear Dave, My husband wants to leave his job next year. He wants to go back to school full-time and finish his degree. It wouldn't take him long to complete his studies, and we've both agreed it's the best thing to do for our family. The only drawback is once he begins school, our yearly income will fall from 0,000 to about ,000. The good news is we'll have his veteran's stipend and tuition assistance from my job to help pay for things. During all this, once we complete Baby Step 3, should we move on the Baby Step 4,...Article Link

Dear Dave, I'm trying to wrap my head around your commission method of giving money to kids. We have an 11-yearold and a 16-year-old. Should they have individual lists of tasks, or should there be one big list they both work from on a first-come, first-served basis? Also, should giving, spending and saving be a mandatory part of the commission structure? Is there a time when children should age out of the commission structure? Camilla Dear Camilla, I really like the “age out” part of your question. So, let's look at the entire scenario as an evolution. For starters, you...Article Link

Dear Dave, I know a big part of your teaching centers around the importance of learning to delay gratification. You seem to believe reaching a level of maturity where you can do this is essential to attain the things in life that are really important. But this can be hard sometimes, no matter how old you are or how mature you happen to be. Do you have any suggestions for someone struggling to reach this point? Brent Dear Brent, You're right, it is hard. Sometimes it's very difficult to leave the dinner table when someone's asking if you want another...Article Link

Dear Dave, My wife and I recently learned she's pregnant. She's about to begin her second trimester, and we're both really excited. There is a bit of concern, though. During a detailed ultrasound, the doctor found an issue that might mean our baby could need minor surgery soon after delivery. Financially, we're in Baby Step 2 of your plan. With the extra bills after the baby's born, should we save money in a sinking fund for the added expenses while we continue paying off debt? Jared Dear Jared, Congratulations on the new baby! I know you're both probably on an...Article Link

Dear Dave, What's one unique step you took at any point in your life to save money that anyone is capable of doing if they put their mind to it? Jeff Dear Jeff, As I always say, living on a written, monthly budget is a key factor in getting out of debt, staying out of debt and saving money. As for a “unique” step we took to save money — maybe it wasn't that unique — but after going broke, we stopped eating out at restaurants. I mean completely. No pizza nights and no drive-thrus. Not even little things off...Article Link

Dear Dave, What are your thoughts on prenuptial agreements? I'm a divorced single mom with two boys, and I'm their primary caregiver. I'd like to get married again one day if the right man comes along. The reason I ask about prenups is that I'm expecting to receive an inheritance of about million sometime in the future. Would it be a good idea for someone in my situation? Sarah Dear Sarah, In a situation like yours, I'd recommend a prenup. Full disclosure: Years ago, I used to be completely against them. I'd tell folks not to get married if...Article Link

Dear Dave, My husband and I are both 25. We've been married just over a year. I'm a stay-at-home mom, and we have one baby. Because I'm home with our son and my husband works outside the home, he believes he gets to make all the financial decisions. He eats out and buys whatever he feels like but tells me I can't do the same. He says getting to be at home all day and having things like television, electricity, and air conditioning are my luxuries. I try to be understanding because he works hard, but this is causing real...Article Link

Dear Dave, Our daughter is 27, and she's been married for three years. We've been helping her and husband financially quite often the whole time they've been married, and we're afraid this isn't going to end anytime soon. They both have decent jobs, and we don't have any idea where their money goes. Lately, they have even tried to guilt us into giving them money by saying they're afraid if we don't help them that our granddaughter might have to go without things. We're not sure how to stop this behavior. Do you have any ideas? Danielle Dear Danielle, I...Article Link

Dear Dave, My husband and I have already started putting money aside for Christmas. Recently, we were talking about what we might get our six-year-old twins, when we decided we want to make sure they experience the giving side of Christmas this year, rather than just receiving. What are some good ideas for making sure they learn age-appropriate lessons about giving at that age? Brooke Dear Brooke, I love Christmas! And I love the way you're thinking. Everyone knows Christmas is one of the best opportunities all year to give. But too often, we get so caught up in shopping...Article Link

Dear Dave, I'm 29, and I'm about to buy my first home. My plan is to buy a duplex and rent out the other side to help pay down the mortgage quickly. A good friend, who is like a brother to me, wants to be my renter. But I'm worried this might jeopardize our friendship at some point in the future. What do you think? Justin Dear Justin, Congratulations! Believe it or not, I can still remember how exciting it is when you're finally able to buy your very first home. I hope the process moves quickly and smoothly for...Article Link

Dear Dave, Your plan has really changed our financial lives, and our relationship, for the better over the last three or four years. My wife and I went from living paycheck-to-paycheck, and having a mountain of debt, to being debt-free except for our home and getting a great start on saving for retirement. It wasn't always easy, but we made it happen by working together and sticking to your plan. At this point, my wife and I often wonder why so many people are willing to live like we used to? We can't imagine going back to that now. Marshall...Article Link

Dear Dave, My wife and I have worked hard for many years. We've tried to be smart with our money, and follow your principles of saving, spending and giving. Our financial situation is pretty good now. We are debt-free, we're both close to retirement, and we have a net worth of around .7 million. We would like to start giving back at this point in our lives. There are several organizations we're interested in helping, but how can we know for sure which ones we can trust to use our money wisely? Luis Dear Luis, I hate to say it,...Article Link

I visited Mark Alice Durant at his home in Maryland to talk about his book, Summer of the White Fox, and After, published by Saint Lucy Books. We talk about how Mark came to photography and why he started his own publishing imprint. Summer of the White Fox, and After is a memoir and a monograph, with a touch of history and philosophy weaved into the essay. It is a recounting of grief and loss that enveloped Mark and his family through distinct events and all during the pandemic. It is also a story about experiencing love and care in ways that were, perhaps, unforseeable before all of the tragedies struck Mark's family. https://www.saintlucybooks.com/shop/p/summer-of-the-white-fox-and-after | https://www.instagram.com/saint_lucy_books/ This podcast is sponsored by the Charcoal Book Club Begin Building your dream photobook library today at https://charcoalbookclub.com Mark Alice Durant is a photographer whose photographs, installations, and performances have been presented internationally including the Los Angeles County Museum of Art, the Museum of Contemporary Art in Chicago and Artist's Space in New York. In 1991, he co-founded the performance duo ‘men of the world' that for 10 years performed on the streets of Chicago, Toronto, Seattle, New York, Houston, San Francisco, and other cities. He has written extensively on the nexus of photography, performance and cultural phenomena with essays appearing in such journals as Art in America, Art on Paper, ArtUS, Art Journal, Afterimage, Dear Dave, Exposure, New Art Examiner, and PLUK. Durant is the editor of the online journal Saint Lucy which is devoted to writing about photography, contemporary art and the lovely people of Baltimore. He has contributed to numerous catalogs, monographs and anthologies including The Passionate Camera: Photography and Bodies of Desire, The Gothic, Jimmie Durham and Marco Breuer: Early Recordings. He is author of McDermott and McGough: A History of Photography, Robert Heinecken: A Material History and co-author of Vik Muniz: Seeing is Believing and Dressed for Thrills: 100 Years of Halloween Costume and Masquerade. In 2005, Durant co-curated and co-authored Blur of the Otherworldly: Contemporary Art, Technology and the Paranormal. Durant was co-curator of Some Assembly Required: Collage Culture in Post-War America in 2002 and in 2008, he curated Notes on Monumentality at the Baltimore Museum of Art. He has served on the faculties of the School of the Art Institute of Chicago, UCLA, the University of New Mexico, Syracuse University, and the Milton Avery Graduate School for the Arts at Bard College. He has received grants and fellowships from the National Endowment for the Arts, the Fleishhacker Foundation, the Center for Creative Photography, the Illinois Arts Council, and the MacDowell Colony. Professor Durant received his B.F.A. from Massachusetts College of Art and M.F.A. from the San Francisco Art Institute. Support Real Photo Show with Michael Chovan-Dalton by contributing to their tip jar: https://tips.pinecast.com/jar/real-photo-show

What makes for a memorable series finale? For me, it's closure, surprise, and embodies the Irish wisdom, "Leave the table a little hungry; leave the bed a little sleepy, and leave the bar a little thirsty." In this final episode of the Rated Rabbi Sports Card Podcast, we take one last, loving look at the year 1984 and the original inspiration for this show: my 1984, 80-card, PSA-graded Master Set tribute to the 1984 All-Star Game. Has this been a show about Eighties nostalgia? Sports? Pop Culture? Cards? Collecting? Spirituality and seeking meaning? It's been a little bit of everything. On this final episode, we celebrate one more Debra Winger Mail Day and Goose Gossage strikes out Rickey Henderson to seal a 3-1 National League win. We conclude with my answer to the question: What would you today tell the you from 1984? I have deep gratitude for my guests: Dr. Shark, @1956ToppsGuy , The RaSal,  @Iowa_Dave_Sportscards , and Adam K. Many thanks to John Newman and @SportsCardNationPodcast, Danny Black and @hobbynewsdaily , and Jeremy Lee and @SportsCardsLive  for graciously welcoming me as a guest on their shows. And most of all, I feel deep appreciation for all of you who have come along for a ride as viewers and listeners of the show.

Welcome to SHIPWRECKED & COMATOSE, an in-depth podcast dedicated to the classic BBC science-fiction sitcom, Red Dwarf. In this episode, your regular hosts, Kurt North and Mark Adams, are joined by Carl Bryan to discuss episode 5 of series X of Red Dwarf: Dear Dave . Host: Kurt NorthCo-Host: Mark AdamsGuest: Carl BryanEditor: Kurt NorthTwitter: @RedDwarfPodWe Made This on Twitter: @we_madethis We Made This on Facebook: https://www.facebook.com/wemadethispodnetWebsite: https://wemadethisnetwork.com/Support the We Made This podcast network on Patreon: Patreon.com/wemadethis

"Dear Dave"For Time (15 Min Cap)1 → 10-Ring Dip-Overhead Squat 115/85lbView the Video Version: https://youtu.be/TGghSiv1uXcHire a Coach: https://zoarfitness.com/coach/Submit Your Score: https://zoarfitness.com/tng/Shop Programs: https://www.zoarfitness.com/product-category/downloads/Follow ZOAR Fitness on Instagram: https://www.instagram.com/zoarfitness/Support the show