為了自己將來退休有個好保障,為了小孩不必大學剛畢業就欠一屁股債,節儉沒啥不對。
我每天都聽 Dave Ramsey 的節目。問問老美你就知道他多有名氣。
他是極其反對過度消費,過度貸款的(甚至貸款)。
聽他的節目覺得很多美國人其實很可憐,一直被銀行盤剝。
上到年薪幾十萬,下到每小時最低工資,竟然那麽多人麵臨破產,我看他們更可憐。
最近我甚至有點以為,美國人那種過度消費,過度貸款,動不動就 I deserve....的理念會不會就是銀行家和資本家聯合搞出來的,鼓勵出來,培養出來的呀?
我同事說他信用卡的利息28%,可怕的高利貸!!!我那同事已經是泥足深陷了。
做到節儉,最起碼我還可以盡最大的能力保全家人穩定,富足的生活。
浪寬 發表評論於
回複bjbbsky:
【認為做慈善是吃虧,我老公就是這樣的,有一次我在藥店給了一個流浪漢1快錢,我老公念了我5分鍾。如果我說要捐款,他說我們沒錢啊,10快20快也不行嗎,】
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你說到點子上了。確實是觀念問題。我們學雷鋒學了很多年,做好事不留名的事,我們還是不熱心。其實我們有時一家出去吃飯可能花上100Dolla以上,但要是將這筆錢捐獻給災區,可能很多人都會想半天。孩子學校讓捐款,每人$2,我讓他給$5,他還一個勁地問“Are you sure?"我感覺自己沒有盡到教育的責任。
回複6grizzly:
【I don't agree with any shortcomings the authoer listed, e.g., ``由於我們省吃簡用成癖,對別人也就自然不會那麽慷慨.''I don't think ``不借貸的後果是平時要省吃簡用.'' is too bad. Actually, this might be a merit at this global-warming age.】
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我當然不是說所有人都一樣。自己節簡,對別人慷慨的人當然有,但畢竟是少數。不貸款不是什麽毛病,隻要你的生活與你的身份相稱。
【Suggest reading B. Franklin's Poor Richards Almanac, Buffet's biography, or more recently T. E. Woods's Melt-down.
If you don't have the time, at least read R. W. Emerson's essays to understand the true/original American spirituality. 】
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你這倒提醒我了。我和很多華人還有一個毛病,就是愛看中文報刊電視,不怎麽看英文的書。我大慨不大會去閱讀你推薦的這些書。真是有些悲哀。
回複honeylemontea的評論:
It is different habit, we Chinese like to take shower/bath in the evening, and Americans take shower in the morning. I prefer to do in the morning. Why? after you take shower in the morning you smell fresh and clean to go to work; there is this girl at work who is from a foreign country too/ i don't want to put the country she is from in here, we think she takes shower in the evening only, for she smells bed room/ with man’s hormone, everyday at work, we all try to avoid her, but nobody would tell her: hey you need to take a shower in the morning... that would be too rude....
In short, agree with iamhereforfun but no need for personal attacks.
I don't agree with any shortcomings the authoer listed, e.g., ``由於我們省吃簡用成癖,對別人也就自然不會那麽慷慨.''I don't think ``不借貸的後果是平時要省吃簡用.'' is too bad. Actually, this might be a merit at this global-warming age.
Suggest reading B. Franklin's Poor Richards Almanac, Buffet's biography, or more recently T. E. Woods's Melt-down.
If you don't have the time, at least read R. W. Emerson's essays to understand the true/original American spirituality.
That worry is naive. There are ALWAYS some people who can not pay full and you don't need to worry about the bank. This credit card business model has been working for so many years. It exists for a reason so thinking that "if everyone pays full bank makes no money" is like thinking "if every pregnant woman delivers baby on the same day then we all have the same birthday.." You got it ?
o-tree 發表評論於
1. Multi-family vacation is more fun than single-family vacation, what's wrong with that?
2. If all Americans can pay without debt like Chinese do for most items they buy, then there wouldn't be such thing like bank crisis, as well as no big fat crooked bankers. This country would be in much better shape.
iamhereforfun 發表評論於
回複5thgirl的評論:
Still don't get it. if you can pay full, why only pay minimal. Have you EVER seen an American tells you that he/she pays minimal balance IN ORDER TO help bank ?? If he/she tells that and you believe what he/she said, both of you are idiot and NOBODY in this country would think you are a role model. Come on, give me a break, if you really want to "help", why don't you ask for minimal $8/hr pay to "help" your company ? Will you do that ? Remember, Stupidity is not equal to good moral.
multi-family vacation: I think people just want kids to play with each other on vacation, which makes a little sense for some cases e.g. cruise, where kids can play with each other and adults can enjoy themselves. But I also don't think it is very fun and joyful to travel with other families in other cases...
5thgirl 發表評論於
To iamhereforfun:
I think LZ mean to pay the min balance, so the bank can goe the interest from the client. Not mean to pay late.
I agree with LZ said. Just like we need to support the kids in the yard sale although we don't drink their Lamonade...
mngb 發表評論於
你舉的列子都太誇張了吧
呆霸王 發表評論於
崇洋也不能崇到這份上, 胡塗崇!
wxcqq 發表評論於
i 100% agree what was said here, and trying to be a decent Chinese American, not be stereotyped as a typical first generation Chinese immigrant...
iamhereforfun 發表評論於
回複,,,,,,的評論:
Staying away doesn't really help. Your face and accent already tells everybody you are a Chinese. It doesn't matter if you have a passport with eagle on the cover. So give up that stupid idea.
So you think people should "help" bank and credit card company by not paying balance on time ? Stupid, in your citizenship test you should know this country is a capital market. Does banks allow you to stay in your house for free if you can not pay your mortgage for 3 consecutive months ? -- You will be kicked out immediately ! Can I say this is a "defect" or problem" for bank because they don't benefit customers ?
,,,,,, 發表評論於
"哪些毛病改不了" - multi-family vacation. Look like Lu Xing tuan from China. Why do they vacation with other families? I saw a goup of Chinese women palying cards at the airport. Kids were running around. I stayed way and was afraid that people think I was one of them.