Debt Finance Financial

Since we are "doing" Dave Ramsey we are saving up for it. We found a very inexpensive international country program with an agency that we liked and a bit longer timeframe so we will have everything saved up. Once we get the tax credit back we intend to use it to start our second adoption but since we are still waiting for a referral for our first that will be awhile out. I am a SAHM who has thrown newspapers and I am watching a little one for extra money to save. source

When Yuna started skating in Korea, there were less than 100 skaters trained competitively. Japan put concerted effort to nurture elite skaters since 1998. It may take a while for the South Korea to produce elite skaters. source

My issue with Ramsey is he doesn't take interest rates into account. As long as you have discipline it makes sense to consider interest rates when paying things off. source

There is also the fact that we don't have any small banks. The banking services are almost all provided by 6 large banks. This way, if anything goes wrong they are better able to survive the hit and can recoup on longuer term. source

I'm not sure how this will turn out, but I'm glad to see that Obama is trying to do the right thing here. I would like to see that initiative more often from him. source