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#WATCH | Pune, Maharashtra | EAM Dr S Jaishankar says, "Different people absorb information differently. Most of you will use this (points to a phone), some of you will use this (points to a book)... But take an interest in the world. It's as simple as that... My message... show more

ANI

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Jordan Peterson: "If you're competent and silent you will be ignored." "You might think well people should reward you because you're competent. And yes of course they should. But if you're competent and silent then you're just part of the background that's keeping everything functioning" On why you cannot negotiate from a position of weakness: "If you want to push your career forward you have to push it forward. You have to be competent and you have to be strategic" "To be strategic when you negotiate for a new position or a new salary you have to be able to say if you don't give me what I want then something you don't like will happen to you" "It's not a physical threat. It's that you have an option" "You have your CV in order. You're educated and competent and desirable to people outside of your immediate job. You're willing to instantly put yourself on the job market" "So that when you go talk to the person you're negotiating with you're credible" On the one thing most people completely miss about negotiation: "It's very seldom that you're talking to the person who's at the top of the pecking order. What you need to do is tell them a story that they can tell to their boss to make you not a problem" "A good story is look we really need this person because they're hyper competent and they have a better offer" "If you go in there with no power you're going to lose. Obviously" He concludes with the one thing every competent person needs to hear: "The first thing you need to know if you're going to negotiate is that you have to be able to say no. And what no means is that you're not going to do it"

Jordan Peterson: "If you're competent and silent you will be ignored." "You might think well people should reward you because you're competent. And yes of course they should. But if you're competent and silent then you're just part of the background that's keeping everything functioning" On why you cannot negotiate from a position of weakness: "If you want to push your career forward you have to push it forward. You have to be competent and you have to be strategic" "To be strategic when you negotiate for a new position or a new salary you have to be able to say if you don't give me what I want then something you don't like will happen to you" "It's not a physical threat. It's that you have an option" "You have your CV in order. You're educated and competent and desirable to people outside of your immediate job. You're willing to instantly put yourself on the job market" "So that when you go talk to the person you're negotiating with you're credible" On the one thing most people completely miss about negotiation: "It's very seldom that you're talking to the person who's at the top of the pecking order. What you need to do is tell them a story that they can tell to their boss to make you not a problem" "A good story is look we really need this person because they're hyper competent and they have a better offer" "If you go in there with no power you're going to lose. Obviously" He concludes with the one thing every competent person needs to hear: "The first thing you need to know if you're going to negotiate is that you have to be able to say no. And what no means is that you're not going to do it"

Brad

34,992 Aufrufe • vor 14 Tagen

This is tragic and it's what you get when you tell women they're a 10 just the way they are. Guys won't tell you what's wrong, they just respond to what you are. If you're not working to be what they want (in this case you need to lose weight) they see you as recreational use only. Both sides are selfish. Your choices tell them you're not working to be what they want so they just look to get what they want. You can be as careful as you want, raise your standards as much as you want, but if you don't work to be what men want, you won't get what you want. It's as simple as that. Be what the other sex wants and you'll get what you want. Be delusional and you'll keep getting bad results. Our society has forgotten how to be giving. That's what this really is. Selfish vs selfless. Being selfless takes work and self control.

This is tragic and it's what you get when you tell women they're a 10 just the way they are. Guys won't tell you what's wrong, they just respond to what you are. If you're not working to be what they want (in this case you need to lose weight) they see you as recreational use only. Both sides are selfish. Your choices tell them you're not working to be what they want so they just look to get what they want. You can be as careful as you want, raise your standards as much as you want, but if you don't work to be what men want, you won't get what you want. It's as simple as that. Be what the other sex wants and you'll get what you want. Be delusional and you'll keep getting bad results. Our society has forgotten how to be giving. That's what this really is. Selfish vs selfless. Being selfless takes work and self control.

The Last Boy Scout

175,986 Aufrufe • vor 15 Tagen

#WATCH | Mumbai: On Maharashtra Deputy CM Eknath Shinde's "This is just the trailer; the picture is yet to come" statement, Shiv Sena (UBT) MP Sanjay Raut says, "Why do you take Eknath Shinde so seriously? Stop taking him so seriously. He is not a great personality. He is a dishonest leader, and you take him seriously! You take Suvendu Adhikari seriously. These are dishonest people. They deceived their own people. As long as they are in power, as long as they have money in their hands, they will continue to say things like this.."

#WATCH | Mumbai: On Maharashtra Deputy CM Eknath Shinde's "This is just the trailer; the picture is yet to come" statement, Shiv Sena (UBT) MP Sanjay Raut says, "Why do you take Eknath Shinde so seriously? Stop taking him so seriously. He is not a great personality. He is a dishonest leader, and you take him seriously! You take Suvendu Adhikari seriously. These are dishonest people. They deceived their own people. As long as they are in power, as long as they have money in their hands, they will continue to say things like this.."

ANI

438,813 Aufrufe • vor 1 Monat

Coffeezilla thinks that $STRC is going to fail because it's 11.5% yield is "Too good to be true" comparing it to the Terra Luna moment and described it as a "Ponzi Scheme". There's absolutely no substance to his claims because he doesn't understand it. He sees the headline interest return and then compares it to every other high yield return product but spectacularly misses the fact that this product is nothing like them. Saylor recently did an interview with Bankless and mentioned there were '3 types of people in the world - Optimists, Pessimists & Alarmists". Coffeezilla in this instance is an alarmist. He says that Strategy are 'not obligated to pay you the yield'. Correct....but it's clearly not in their interest to not pay the divided, so why would they not? As Saylor correctly says: "You need to have a stochastic view of the world. We could list 100 things that could go wrong, but the real threat is you get hit by a truck because you're not looking both ways while you cross the street." $STRC is the real deal. Anyone who has watched it closely over the past 8+ months will tell you that.

Coffeezilla thinks that $STRC is going to fail because it's 11.5% yield is "Too good to be true" comparing it to the Terra Luna moment and described it as a "Ponzi Scheme". There's absolutely no substance to his claims because he doesn't understand it. He sees the headline interest return and then compares it to every other high yield return product but spectacularly misses the fact that this product is nothing like them. Saylor recently did an interview with Bankless and mentioned there were '3 types of people in the world - Optimists, Pessimists & Alarmists". Coffeezilla in this instance is an alarmist. He says that Strategy are 'not obligated to pay you the yield'. Correct....but it's clearly not in their interest to not pay the divided, so why would they not? As Saylor correctly says: "You need to have a stochastic view of the world. We could list 100 things that could go wrong, but the real threat is you get hit by a truck because you're not looking both ways while you cross the street." $STRC is the real deal. Anyone who has watched it closely over the past 8+ months will tell you that.

David Lawrence

39,873 Aufrufe • vor 4 Monaten

Reporter: Regarding your ICE Truth Social post, what did you mean when you said people will suffer an equal or greater consequence?” President Trump: "If they do anything bad to our people. They will have to suffer. So if they start spitting in people's faces, punching our people, punching our soldiers, our patriots, they will get taken care of in at least an equal way.” “They're not going to do that. Like, you know, you see it, the way they treat our people. And I said, you're allowed — if somebody does that, you can do something back.” “You're not going to stand there and take it. If somebody spits in your face, that will not be a pleasant thing for the person that spits.” "We're not letting people spit in our soldiers' face as they stand in attention and they're not allowed to do anything." "If they throw bricks at a car, at one of our vehicles, at a very expensive vehicle, they're going to be met with very, very serious force.”

Reporter: Regarding your ICE Truth Social post, what did you mean when you said people will suffer an equal or greater consequence?” President Trump: "If they do anything bad to our people. They will have to suffer. So if they start spitting in people's faces, punching our people, punching our soldiers, our patriots, they will get taken care of in at least an equal way.” “They're not going to do that. Like, you know, you see it, the way they treat our people. And I said, you're allowed — if somebody does that, you can do something back.” “You're not going to stand there and take it. If somebody spits in your face, that will not be a pleasant thing for the person that spits.” "We're not letting people spit in our soldiers' face as they stand in attention and they're not allowed to do anything." "If they throw bricks at a car, at one of our vehicles, at a very expensive vehicle, they're going to be met with very, very serious force.”

RedWave Press

239,982 Aufrufe • vor 6 Monaten

Mufti Saif al-'Asri on the fatwa by some Hanafis that allows interest (riba) based transactions in non-Muslim lands. People are using this opinion to claim that Muslims taking out interest-based mortgages is permissible. Question: Is it permissible to conduct interest (riba) based transactions in Western countries? Mufti Saif al-'Asri: This question is very important, especially if the intention of this Muslim, who lives in a Muslim country, is to introduce them to Islam and its way of life, and to be an exemplary person that people imitate. So, if when he comes to a non-Muslim country, he says: "There's an opinion that the Hanafis have which considers it permissible to conduct otherwise impermissible transactions in non-Muslim lands. So, it's permissible for me to sell pigs to them and it's permissible for me to engage in interest (riba) based transactions with them. Some Hanafis make the condition that he is the one receiving the interest and not giving it, meaning he's the one receiving the benefits (of the interest based transaction) and he's not benefiting the one he's conducting a transaction with, and so forth. This is an opinion, an opinion that exists. We can't wipe away this jurisprudential opinion. And it has its evidence. However, the vast majority of scholars, and it's even an opinion within the Hanafi school itself, are of the view that it is haram for a Muslim to conduct an impermissible transaction with a non-Muslim. It is not permissible for him (a Muslim) to conduct an interest based transaction with him (Non-Muslim), nor is it permissible to sell or buy alcohol from him, nor is it permissible to sell him pork, and so on and so forth. None of that is permissible. And this opinion is the opinion of the vast majority of scholars. It's the opinion that allows you as a Muslim to be proud of your religion in front of others. It allows you to proudly showcase the distinguishing features of Islam and take honor in the religion that you ascribe to. On the other hand, if you're going to take legal dispensations and conduct transactions based on these things, how are you going to be a caller to this religion? Through your character? The way you speak? Your actions? How? How are people going to look at you? If they say: "Islam prohibits pork; however, masha'Allah, this Muslim at the store sells pork." I mean, what will make you different from other people? A Muslim must not conduct impermissible transactions, whether it's interest or other than it in Western countries.

Mufti Saif al-'Asri on the fatwa by some Hanafis that allows interest (riba) based transactions in non-Muslim lands. People are using this opinion to claim that Muslims taking out interest-based mortgages is permissible. Question: Is it permissible to conduct interest (riba) based transactions in Western countries? Mufti Saif al-'Asri: This question is very important, especially if the intention of this Muslim, who lives in a Muslim country, is to introduce them to Islam and its way of life, and to be an exemplary person that people imitate. So, if when he comes to a non-Muslim country, he says: "There's an opinion that the Hanafis have which considers it permissible to conduct otherwise impermissible transactions in non-Muslim lands. So, it's permissible for me to sell pigs to them and it's permissible for me to engage in interest (riba) based transactions with them. Some Hanafis make the condition that he is the one receiving the interest and not giving it, meaning he's the one receiving the benefits (of the interest based transaction) and he's not benefiting the one he's conducting a transaction with, and so forth. This is an opinion, an opinion that exists. We can't wipe away this jurisprudential opinion. And it has its evidence. However, the vast majority of scholars, and it's even an opinion within the Hanafi school itself, are of the view that it is haram for a Muslim to conduct an impermissible transaction with a non-Muslim. It is not permissible for him (a Muslim) to conduct an interest based transaction with him (Non-Muslim), nor is it permissible to sell or buy alcohol from him, nor is it permissible to sell him pork, and so on and so forth. None of that is permissible. And this opinion is the opinion of the vast majority of scholars. It's the opinion that allows you as a Muslim to be proud of your religion in front of others. It allows you to proudly showcase the distinguishing features of Islam and take honor in the religion that you ascribe to. On the other hand, if you're going to take legal dispensations and conduct transactions based on these things, how are you going to be a caller to this religion? Through your character? The way you speak? Your actions? How? How are people going to look at you? If they say: "Islam prohibits pork; however, masha'Allah, this Muslim at the store sells pork." I mean, what will make you different from other people? A Muslim must not conduct impermissible transactions, whether it's interest or other than it in Western countries.

Akbar Zab

88,566 Aufrufe • vor 3 Jahren

why Rogan believes wanting the money is the thing that stops you from getting it MrBeast: "I would argue it's not even just for content creation. If you want to be an accountant or really anything, it's just put in a lot of hours, do a lot of iterations, surround yourself with great people, and obsess over it. Stay focused, consume it. And then recognize, you might be like, 'Oh, well, this person did it in 10 months. Why is it taking me so long?' It's average and statistics. Just give yourself enough time frame. I'm not saying you'll make tens of millions of dollars, but if you want to do that thing for a living, if you follow those trades, it's going to happen eventually." Rogan: "Well, you have to be process-oriented, not goal-oriented. The process is getting better at stuff. The goal of being financially secure comes with it eventually. But if you think 'I want X amount of money,' well, that's what you're going to think about. You're not going to think about the actual thing you're making, so it won't be as good, so you'll probably never get there."

why Rogan believes wanting the money is the thing that stops you from getting it MrBeast: "I would argue it's not even just for content creation. If you want to be an accountant or really anything, it's just put in a lot of hours, do a lot of iterations, surround yourself with great people, and obsess over it. Stay focused, consume it. And then recognize, you might be like, 'Oh, well, this person did it in 10 months. Why is it taking me so long?' It's average and statistics. Just give yourself enough time frame. I'm not saying you'll make tens of millions of dollars, but if you want to do that thing for a living, if you follow those trades, it's going to happen eventually." Rogan: "Well, you have to be process-oriented, not goal-oriented. The process is getting better at stuff. The goal of being financially secure comes with it eventually. But if you think 'I want X amount of money,' well, that's what you're going to think about. You're not going to think about the actual thing you're making, so it won't be as good, so you'll probably never get there."

Naruto

37,072 Aufrufe • vor 26 Tagen

Reza Pahlavi admits: Why do we say that the world should support the people of Iran in their pursuit of freedom? They are not going to do it because of my beautiful eyes or yours. They will do it because it serves their own interests. We need to convince them that supporting the Iranian people is in their interest.

Reza Pahlavi admits: Why do we say that the world should support the people of Iran in their pursuit of freedom? They are not going to do it because of my beautiful eyes or yours. They will do it because it serves their own interests. We need to convince them that supporting the Iranian people is in their interest.

Clash Report

23,866 Aufrufe • vor 2 Monaten

SITUATION EXPLAINED: What happens to open source when the US restricts access to frontier AI models? We asked Adrian Dittmann: "China is releasing these models [open source] to gain international dominance, people will work on these things and say, 'Hey, maybe I can contribute to this if it's open source.' This is the thing that actually gets them talent." "If you're not allowed into the next GPT release or you're not allowed to use Fable, then what are you gonna do? You're stuck with the existing stuff, or you will have to use an open source model that might have subtly better capabilities." "The United States will catch up to open source in some form as well. They seem to just be maximizing product creation." "The problem with open source models is you have to be kind of a nerd in order to use them properly. Consumer facing, the effects will be minimal because the average person doesn't care about open source models. They only care whether or not they can do a quick search with Gemini or ChatGPT."

SITUATION EXPLAINED: What happens to open source when the US restricts access to frontier AI models? We asked Adrian Dittmann: "China is releasing these models [open source] to gain international dominance, people will work on these things and say, 'Hey, maybe I can contribute to this if it's open source.' This is the thing that actually gets them talent." "If you're not allowed into the next GPT release or you're not allowed to use Fable, then what are you gonna do? You're stuck with the existing stuff, or you will have to use an open source model that might have subtly better capabilities." "The United States will catch up to open source in some form as well. They seem to just be maximizing product creation." "The problem with open source models is you have to be kind of a nerd in order to use them properly. Consumer facing, the effects will be minimal because the average person doesn't care about open source models. They only care whether or not they can do a quick search with Gemini or ChatGPT."

MTS

14,406 Aufrufe • vor 1 Monat

#WATCH | Jakarta, Indonesia: While interacting with the Indian diaspora, TMC MP Abhishek Banerjee says, " We have all been doing our bit...I might have differences with the ruling party, but I will not let my political interest come before my nation's interest. I will keep working towards what is in the best interest of my nation...I am going to fight the ruling party tooth and nail, and I will not budge an inch from this fight, but I will not do anything that is against my country's interest....make no mistake..."

#WATCH | Jakarta, Indonesia: While interacting with the Indian diaspora, TMC MP Abhishek Banerjee says, " We have all been doing our bit...I might have differences with the ruling party, but I will not let my political interest come before my nation's interest. I will keep working towards what is in the best interest of my nation...I am going to fight the ruling party tooth and nail, and I will not budge an inch from this fight, but I will not do anything that is against my country's interest....make no mistake..."

ANI

21,019 Aufrufe • vor 1 Jahr

‼️ Donald Trump just posted the video saying any immigrant that comes to America and demand we change our culture is not an immigrant, they are an invader and must be removed “Just so we we’re clear, if a foreigner comes to your country and demands that you accept their culture as your culture or demands that you change your beliefs, that is not a foreigner, that is not an immigrant. What that is, is an invader. That is someone that is coming over to your space to take over and invade it. So when you sit there and you look at what's happening in New York, you look at what's happening in Texas, you look at what's happening in the places where these people came from, you look at Somalia, you look at all of these individuals who are being put into a position of power who support this type of invasion. You need to understand what's coming next. - They will take away our weapons - They will tell us that we cannot eat certain foods - They will tell us that we cannot go to certain places - They will tell that our women that they have to wear certain clothes - They will tell them that they have to dress modest. They will forced them to do a lot of different things. - You will have to deal with people praying in the middle of the street while you're driving and stopping you and invading your movement, your space You need to understand what's taking place in America so that you can understand that these people are not coming here with good intentions. This is not me saying that I hate people. This is me basically saying, look, if you like the fact that America is a free place where you get the freedom to believe in what religion you want to, to believe in. If you get the freedom to decide what you want to do as long as nobody is getting hurt. If you love that part of America, the freedom of choice part of America, you need to understand when people come over and they say that you don't have a choice, they probably should go because you don't get to tell us what to do in our own country. It's not being rude. It's just saying, hey, look, this country was built in a way where everybody can come here and feel happy and feel blessed. And enjoy the fact that this is a free nation, not a nation that will be enslaved by any Foreigner invading it”

‼️ Donald Trump just posted the video saying any immigrant that comes to America and demand we change our culture is not an immigrant, they are an invader and must be removed “Just so we we’re clear, if a foreigner comes to your country and demands that you accept their culture as your culture or demands that you change your beliefs, that is not a foreigner, that is not an immigrant. What that is, is an invader. That is someone that is coming over to your space to take over and invade it. So when you sit there and you look at what's happening in New York, you look at what's happening in Texas, you look at what's happening in the places where these people came from, you look at Somalia, you look at all of these individuals who are being put into a position of power who support this type of invasion. You need to understand what's coming next. - They will take away our weapons - They will tell us that we cannot eat certain foods - They will tell us that we cannot go to certain places - They will tell that our women that they have to wear certain clothes - They will tell them that they have to dress modest. They will forced them to do a lot of different things. - You will have to deal with people praying in the middle of the street while you're driving and stopping you and invading your movement, your space You need to understand what's taking place in America so that you can understand that these people are not coming here with good intentions. This is not me saying that I hate people. This is me basically saying, look, if you like the fact that America is a free place where you get the freedom to believe in what religion you want to, to believe in. If you get the freedom to decide what you want to do as long as nobody is getting hurt. If you love that part of America, the freedom of choice part of America, you need to understand when people come over and they say that you don't have a choice, they probably should go because you don't get to tell us what to do in our own country. It's not being rude. It's just saying, hey, look, this country was built in a way where everybody can come here and feel happy and feel blessed. And enjoy the fact that this is a free nation, not a nation that will be enslaved by any Foreigner invading it”

Wall Street Apes

88,662 Aufrufe • vor 8 Monaten

#WATCH | Israeli Prime Minister Benjamin Netanyahu says, "... No matter what happens in the talks, with an agreement, without an agreement, I pledge to you that Iran, as long as I'm Prime Minister, will never have a nuclear weapon. Never. As long as I am the Prime Minister of Israel, I will not let that happen... As long as we need to protect our people, we will remain in the security zone in South Lebanon... No country would be asked to do otherwise. Now you imagine the United States across the border. You have thousands, an army of thousands of terrorists who pellet your cities and your towns with rockets and ballistic missiles and killer drones. They kill your soldiers, they kill your citizens, they kill your children and they threaten them every day. Well, what would America do? Would it say, well, there's nothing we can do. Let's hold our fire. Is that what America would say? No. You know well what America would do. It would cross the border, create a security zone, kill the terrorists and protect its people until the threat is removed. That's exactly what we are doing." (Source: JNS via Reuters)

#WATCH | Israeli Prime Minister Benjamin Netanyahu says, "... No matter what happens in the talks, with an agreement, without an agreement, I pledge to you that Iran, as long as I'm Prime Minister, will never have a nuclear weapon. Never. As long as I am the Prime Minister of Israel, I will not let that happen... As long as we need to protect our people, we will remain in the security zone in South Lebanon... No country would be asked to do otherwise. Now you imagine the United States across the border. You have thousands, an army of thousands of terrorists who pellet your cities and your towns with rockets and ballistic missiles and killer drones. They kill your soldiers, they kill your citizens, they kill your children and they threaten them every day. Well, what would America do? Would it say, well, there's nothing we can do. Let's hold our fire. Is that what America would say? No. You know well what America would do. It would cross the border, create a security zone, kill the terrorists and protect its people until the threat is removed. That's exactly what we are doing." (Source: JNS via Reuters)

ANI

92,823 Aufrufe • vor 1 Monat

“As a culture, there is so little interest taken in what pleases women… Clearly there’s an audience for this. There’s something counterintuitive about it but it’s only counterintuitive because of the general lack of interest we take culturally in anything that women like.”

“As a culture, there is so little interest taken in what pleases women… Clearly there’s an audience for this. There’s something counterintuitive about it but it’s only counterintuitive because of the general lack of interest we take culturally in anything that women like.”

sarah 🏒

344,892 Aufrufe • vor 8 Monaten

So when are they gonna tell the story about how unhinged this man really is? It's not just Kat. He does the same shit with the kids. He is the most loving man in the world as long as you're doing what he wants you to do. The moment you don't he snaps like a lunatic #BeyondTheGates

So when are they gonna tell the story about how unhinged this man really is? It's not just Kat. He does the same shit with the kids. He is the most loving man in the world as long as you're doing what he wants you to do. The moment you don't he snaps like a lunatic #BeyondTheGates

jaz

11,211 Aufrufe • vor 1 Monat

🌍 Verra is a massive world that will have many biomes and points of interest. More will be added as we progress further in development. 🤔 What areas are you most excited to see built out?

🌍 Verra is a massive world that will have many biomes and points of interest. More will be added as we progress further in development. 🤔 What areas are you most excited to see built out?

Ashes of Creation

15,193 Aufrufe • vor 1 Jahr

Caller: I just recently graduated from residency to become an orthodontist. And I have student loans that total just over $1 million. Dave Ramsey: You're kidding. Caller: No, sir. Dave Ramsey: What were you thinking? Caller: Well, I wasn't thinking, clearly. So I sat down and calculated my interest rates, and my interest is about $5,800 a month. My fiancé and I are trying to decide what's the best way to try to attack this. This first year, if we're able to pay $10,000 a month, I guess there's basically two ways that we thought of it. I can do income-based, and my required payment will be about $3,000, and then we can take the remaining $7,000 and pay it directly at individual loans. Or should we cover the interest and then pay additional moneys towards other loans? Dave Ramsey: Okay. What will you be making as an orthodontist? Caller: About $250,000. Dave Ramsey: What does your fiancé do, and what will she be making? Caller: We actually just opened up an office, and she works in the office, so she's not taking any income out of the office. Dave Ramsey: Okay. So if you make $250,000 a year, why are you only putting $120,000 on your debt? Caller: The $250,000 I calculated pre-tax and everything else. We're going to put as much as we possibly can on the debt. And in the years to come as the income goes up, we're hoping to be able to make payments of $20,000-$40,000 a month. Dave Ramsey: Okay. I think the income-based option does not do away with interest, and so interest is going to be accruing greater than you're putting in. So you're not making any mathematical progress by doing the 3 and 7 idea, but you will make emotional progress because you'll be able to knock off some of the smaller ones. Caller: Right. Dave Ramsey: And God knows you're going to need some emotional progress in this process. And then the only other commentary I would just add is that, this is such an extreme situation. Your income is extreme, and your debt is extreme, that you have to be very, very careful to just act like you're a broke college student because you are a broke orthodontist. Caller: Right. Dave Ramsey: And so, that means you guys aren't going on vacations, you're not buying a house, you're not leasing a new BMW, you're not going to a restaurant. You have a $1,000,000 student loan debt. It gives me an anxiety attack, and it's not even my debt, but the horrible news is that ridiculous figure. The wonderful news is you have great income potential and a great income right now. So, you cannot relax. Caller: Right. Dave Ramsey: You have to cut as deeply as you can cut. Caller: Right. Dave Ramsey: And so, be dialing your taxes in. I don't want you to get behind on taxes. But other than taxes, and food, and water, and electricity, I really want everything else just going on student loan debt.

Caller: I just recently graduated from residency to become an orthodontist. And I have student loans that total just over $1 million. Dave Ramsey: You're kidding. Caller: No, sir. Dave Ramsey: What were you thinking? Caller: Well, I wasn't thinking, clearly. So I sat down and calculated my interest rates, and my interest is about $5,800 a month. My fiancé and I are trying to decide what's the best way to try to attack this. This first year, if we're able to pay $10,000 a month, I guess there's basically two ways that we thought of it. I can do income-based, and my required payment will be about $3,000, and then we can take the remaining $7,000 and pay it directly at individual loans. Or should we cover the interest and then pay additional moneys towards other loans? Dave Ramsey: Okay. What will you be making as an orthodontist? Caller: About $250,000. Dave Ramsey: What does your fiancé do, and what will she be making? Caller: We actually just opened up an office, and she works in the office, so she's not taking any income out of the office. Dave Ramsey: Okay. So if you make $250,000 a year, why are you only putting $120,000 on your debt? Caller: The $250,000 I calculated pre-tax and everything else. We're going to put as much as we possibly can on the debt. And in the years to come as the income goes up, we're hoping to be able to make payments of $20,000-$40,000 a month. Dave Ramsey: Okay. I think the income-based option does not do away with interest, and so interest is going to be accruing greater than you're putting in. So you're not making any mathematical progress by doing the 3 and 7 idea, but you will make emotional progress because you'll be able to knock off some of the smaller ones. Caller: Right. Dave Ramsey: And God knows you're going to need some emotional progress in this process. And then the only other commentary I would just add is that, this is such an extreme situation. Your income is extreme, and your debt is extreme, that you have to be very, very careful to just act like you're a broke college student because you are a broke orthodontist. Caller: Right. Dave Ramsey: And so, that means you guys aren't going on vacations, you're not buying a house, you're not leasing a new BMW, you're not going to a restaurant. You have a $1,000,000 student loan debt. It gives me an anxiety attack, and it's not even my debt, but the horrible news is that ridiculous figure. The wonderful news is you have great income potential and a great income right now. So, you cannot relax. Caller: Right. Dave Ramsey: You have to cut as deeply as you can cut. Caller: Right. Dave Ramsey: And so, be dialing your taxes in. I don't want you to get behind on taxes. But other than taxes, and food, and water, and electricity, I really want everything else just going on student loan debt.

Traeyz ♠️

72,785 Aufrufe • vor 1 Monat

Axelrod: Let me just say a word about that… I speak as the son of a jewish refugee. So issues of anti-semitism are very personal to me. I think that, what you see in Michigan is an interest group spending $30 million What people are grappling with, is the power of money in our politics, the influence that interest groups have. It's a legitimate question.

Axelrod: Let me just say a word about that… I speak as the son of a jewish refugee. So issues of anti-semitism are very personal to me. I think that, what you see in Michigan is an interest group spending $30 million What people are grappling with, is the power of money in our politics, the influence that interest groups have. It's a legitimate question.

Acyn

336,153 Aufrufe • vor 13 Tagen