Dave Says - September 20, 2010

Dear Dave,
What’s your rule of thumb about how much your car should be worth in comparison with your income?
Madea

Dear Madea,
Great question! My rule of thumb is that all of your vehicles—I’m talking about cars, trucks, boats and their Sea-Doo sisters, motorcycles, and anything else like this—should not total more than half your annual income.

Why? It’s because all of these kinds of things go down in value. You never want half of your income going into things whose value is dropping like a rock. You don’t need a $20,000 car if you’re making $30,000 a year. That’s just stupid. Think about it this way. If you’re making that kind of money, and I walk up and tell you I’ve got an investment opportunity that will turn $20,000 of your hard-earned income into $12,000 in just three or four years, are you going to take me up on the offer? If you’ve got a brain in your head, the answer’s no!

Now, I’m okay with it if you make $300,000 a year and buy a $20,000 car if you pay cash. That’s like most people running out and buying a Happy Meal. It’s just not a big deal!
—Dave

Dear Dave,
Do you ever reach a point in your plan where you stop budgeting or using the envelope system?
Craig

Dear Craig,
I’ve been fortunate enough to build a net worth of several million dollars, and my wife and I never stopped doing either one. We still sit down together every month and plan out a written budget. Every dollar is spent on paper before the next month begins, and we follow it exactly. And I can promise that were you to look in my wife’s purse, you’d find one of our deluxe envelope systems, just like we sell in our office bookstore. She carries it with her everywhere!

We do these things because we’re responsible spiritually for handling that money well. Those of us who are Christians call that “stewardship.” We feel like we’re called to be good stewards—good managers—of God’s money. It’s not a freaky thing. It’s just a matter of following God’s good advice and common sense.

I want that money to behave, and these things are some of the best ways I’ve found to make it do what it’s supposed to do!
—Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

Dave Says - August 23, 2010

Dear Dave,
My wife and I are getting close to retirement, and our 36-year-old son recently moved back in with us. His automotive restoration business went bankrupt, he hasn’t been able to find another job, and he has nowhere else to go. What can we do to help him?
John

Dear John,
You have to define what helping your son really means. In my mind, you haven’t helped him at all if he’s still squatting in your basement five years from now. That’s called being an enabler. But it’s not going to help him, either, if you toss him on the street and say “You’re 36. Be a man!” I think you should formulate a progressive plan somewhere between those two extremes—something that includes a move-out deadline, but will help him regain some dignity.

As part of living with you, I’d require him to do three or four things. One is that he abides by your household rules. If he’s going to live in your home, he should act the way you want him to act. Number two, he needs to be engaged in some kind of regular physical activity. Even if you have to pay for it, you could get a membership at a gym or buy some exercise equipment. Exercise stimulates the mind, and he needs that right now. It’ll also be great for his body. Getting beat up like he’s been can be tough at that age. It can lead to depression if you don’t engage in physical activity and goal setting.

Next, is to think about career steps. He could start with a part-time job to get some money in his pockets. Then, work on a long-term career goal. He knows how to turn a wrench, and he probably likes that kind of work. His mind works spatially, which means he can look at things and figure out how they operate. So, it might be a good idea to move in that direction. It doesn’t even have to be cars. He could learn to work on boats or aircraft.

You don’t want to beat the kid when he’s down, but you don’t want to participate in his sewage, either. Help him clean up his life, and get him out of there as fast as possible. It’s what’s best for everyone!
— Dave

Dear Dave,
We live in Boston, and we’ve got three kids who are almost ready for college. My wife and I make about $114,000 a year combined, and that includes a $34,000 a year pension I receive. Should we use the pension money to pay for their tuition, or should we let them take out student loans?
Geoff

Dear Geoff,
There’s no way I’m going to send anyone into student loan debt, especially when the household income is in the six-figure range!

Now, that assumes the kids choose a college you can afford, but with your income you guys could handle tuition at most state colleges. And that means all the kiddos are going to have to pick a reasonably-priced school if they expect you to foot the bill. We’ve got to use a little common sense here. No champagne taste on a beer pocketbook!

You guys are doing okay, but you can’t afford to send these kids to $30,000 a year schools. All this will be hitting you at about the same time, so I want you to cash flow this thing, and pay as you go along. College is great, but you need to invest your money into something that fits your budget!
— Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

I Can't Wait to Lead My Own Class!

By Jenna Bowen
Adairsville, GA

My fiance and I just finished FPU tonight, and I am so excited about all that we have learned. Now that we have a plan to help attack our debt, I dont feel so overwhelmed. We are getting married soon, and I am certain that this class will have a huge impact on our first year of marriage. I have a great passion for FPU, and look forward to leading classes in the very near future!

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

Online Potluck Highlights

Online Potluck Highlights

The Online Potluck on November 10 was a huge success!  Thank you to all the coordinators who participated.  Here are a few of the stories from the celebration for you to enjoy. You can read them all by signing into the Community and entering the Fellowship Hall.  Look for the Potluck Celebration folder and have fun. Feel free to add your ideas and stories!

Humor
The coordinators from the class that we went through were newly married when they went through FPU. He bought her a BMW as a wedding gift. During the class they sold it and got her a Kia. - Linduck  

Idea
In trying to keep up gazelle intensity (and helping make it easy for people to not have excuses!) we did a GROUP GARAGE SALE and it was not only helpful to the families that participated, but SO MUCH FUN! We used our church property and tables and UNLOADED some STUFF to pay off debt!! Another plus was that people wanted to know who we were and WHY were we doing this?!?! Great opportunity to share FPU with a stranger in the community! - hdwilliams65
Testimonial
I wanted to start FPU after using Dave's principles from his book Financial Peace. As we started seeing changes in our lives, we wanted to share it with others. Basically, I CAN'T stop talking about Dave Ramsey and being debt-free! My brother is on board now and has since gotten a better job. My sister is as well and paid cash for her current car. My husband and I have all debt paid but our house and we refinanced it for 10 years. We owe about 8 more years. Our snowball has slowed, though, due to a wedding this spring (paid cash) and second daughter starting to college in the fall. We just paid cash for a 5-year-old van. Our family tree is definitely changing!

My 24-year-old daughter and her husband have shaved their heads and drunk the Kool-Aid! She is the most motivated of our first class. She is anticipating the day when she can share with our congregation that they are debt free! They paid cash for both of their vehicles and live by their budget. She had checks stolen about a month ago, and she said having her emergency fund turned a potential crisis into merely a nuisance. - Gritsy

View the original article here

Dave Says - August 2, 2010

Dear Dave,
I’m about to complete Baby Step 3. I’ve been very intense about following your plan, but I was wondering if there’s ever any kind of frustration or letdown after you’ve come this far.
Rasheed

Dear Rasheed,
You’re right. The beginning three Baby Steps are very intense. First, you get $1,000 in the bank—$500 if you make less than $20,000 a year—for a beginner emergency fund as fast as you can. Then, pay off all your debts, except the house, from smallest to largest, and after that you finish out your emergency fund with three to six months of expenses. This is a real whirlwind of activity because everything should be wrapped up in an aggressive, we’ve-got-to-get-this-done kind of attitude.

I guess if there’s a letdown it could come from the feeling that once you’re out of debt except for your house, things should kick into overdrive and you’ll become instantaneously wealthy. That just isn’t realistic. But it does remove a ton of stress from your life, and you’ll experience a sense of freedom that you’ve never felt before. Just think about it. Try to imagine how it would feel to have no payments on anything except your home. There’ll be no more credit card bills and no more car payments. How great is that?

As for frustrations, they’ll be fewer because a huge cause of stress and frustration will disappear after you gain control of your money and get out of debt. You may feel like things aren’t moving fast enough, but things never seem to move fast enough when you’re intense and really into what you’re doing!
—Dave

Dear Dave,
What’s the best financial gift for young grandchildren?
Anonymous

Dear Anonymous,
Well, it’s definitely not savings bonds. You get nothing in the way of a return from those things. I get mad just looking at them! I’d suggest opening up an Educational Savings Account (ESA) in a mutual fund in the child’s name. You can put up to $2,000 a year, per child, into these, and they grow tax-free.

If you started when your grandchild was born, and set aside $2,000 a year for 18 years, you’d have saved $36,000. But if you go the ESA route, and figure 12 percent average growth over that time, the kid could have about $126,000 waiting when it comes time for college. That’s a pretty sweet gift!
—Dave

Dear Dave,
Where is the best place for me to put my savings?
Anonymous

Dear Anonymous,
Saving and investing are two things I talk about a lot. Investing is when you’re going to leave the money alone for five years or more. I’m talking about things like retirement, college planning or saving up to buy a house. For these things, I recommend good, growth-stock mutual funds. Make sure you’re looking at mutual funds that have stable track records of five to 10 years, and then spread your money across these four categories: growth, growth and income, aggressive growth, and international.

Now, when it comes to savings, I’m not really concerned with making money. Things like setting money aside for vacations, Christmas, or even an emergency fund fall into this category. One and one-half percent would be an incredible rate on a savings account right now, so you’re not going to get rich off anything like this. The idea is to park this money in a safe place, and keep it separate from the rest of your money so it doesn’t get spent on the wrong thing!
—Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

Starting off right

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

I Committed My Life to 2 Things

By Rick Butler

Two years ago I was in pity party mode. While separated from my wife and family, my sister gave me some Dave Ramsey cassette tapes. Months went by, and one night while on my knees praying, I decided to listen to the tapes. Since then I have committed my life to two things: Christ and becoming debt free. I went off the deep end, as my friends say, and paid off $7,500 in debt and saved $8,500 in a couple of years.

I do not miss cable, cell phones, etc. in my life. Now my life is simple and stress-free. Because of the small changes I made, I feel great! I am in the military, and I have been the FPU coordinator in one class. I am currently facilitating FPU at my church.

The Lord has gotten my attention through a divorce (I pray daily of being a family again; I think the Lord is working on it), and Dave has got my attention through FPU.

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

No AC? No Sweat, thanks to FPU!

By Anita Clark

I began attending FPU one year this month. I cannot begin to express how much the course helped me! I am SO thankful that the course was offered at my church and that I had the opporunity to enroll. I can truly say that was one of the best investments I ever made of my time and money.

During this past year, I became debt-free except for my house, which is now on a 10-year mortgage. The reason I feel compelled to share my story at this time is I had my first big-time emergency (since taking the course) earlier this week. My entire central air conditioning had to be replaced. As Dave says, Murphy came to visit. While the whole ordeal was stressful, I was actually able to write a check for the entire system and installation. My emergency fund was not yet fully funded, but it was sufficient. I cannot tell you how good it felt to not have to worry about how to pay, in addition to the other stress such an event causes. I can see now even more than ever how important it is to have a fully funded emergency fund.

While I still have a long way to go, I was just thinking if this had happened a year ago, I would have been asking the air conditioning company if they took credit cards...and I probably wouldn't have even had the good sense to be embarrassed by the question. I truly thank God for leading me to FPU and for my emergency fund being adequate. I can't wait to rebuild the emergency fund and will continue working toward fully funding it, so that next time I sit across the table from a repairman, I won't even have to wonder if I will have enough money.

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

CALLERS ELIMINATE 23 MILLION IN DEBT

FOR IMMEDIATE RELEASE

CALLERS TO “THE DAVE RAMSEY SHOW” ELIMINATE
MORE THAN $23 MILLION IN DEBT

NASHVILLE, Tenn. – Callers to Dave Ramsey’s “Debt Free Friday” shows eliminated $23,972,100 in 2009. On the “The Dave Ramsey Show” on the Fox Business Network, callers paid off $7,871,200 while callers to the radio show of the same name eliminated $16,100,900. This impressive total doesn’t even include debt reported on other days, through Financial Peace University classes nationwide or by any other means. 

Ramsey’s syndicated radio show airs in more than 450 markets week across the United States. “The Dave Ramsey Show” on the Fox Business Network debuted October 2007.  Listeners from across the country call in daily to ask Ramsey about: how to stop fighting with their spouse, teach their kids about money, save for retirement, kick a gambling habit and other life issues they are struggling with.  Fridays, however, are almost exclusively saved for calls from listeners who are celebrating being debt-free.  Lara Johnson, who screens callers for the shows and updates the debt-free figure, says, “Callers are elated when they’ve finally accomplished what they’ve worked so hard for – a life without debt. They’re excited to share their success, and Dave is always the first to congratulate them.”

Callers to the shows reveal how, through the use of Ramsey’s advice, they were able to eliminate debt – and the destruction it brings – from their lives. A running total is kept, throughout the year, of the amount of debt reported by callers to the Friday shows.

The Dave Ramsey Show

Dave Ramsey offers life-changing financial advice as host of a nationally syndicated radio program, “The Dave Ramsey Show,” which is heard by nearly 4.5 million listeners weekly on the radio and is in more than 60 million households by television. The live talk show focuses on life, love and relationships and how they happen to revolve around money. To ask Ramsey a question or to scream that you’re debt free, call in during the show at 1-888-825-5225 or send an e-mail to daveonair@daveramsey.com. For more information about “The Dave Ramsey Show” visit www.daveramsey.com.

# # #

View the original article here

Just About and Haven't Given Up

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

MORE THAN 1 MILLION FAMILIES HAVE COMPLETED DAVE RAMSEY’S “FINANCIAL PEACE UNIVERSITY”

Nashville, Tenn. — Financial Peace University (FPU), the 13-week program taught on DVD by Dave Ramsey has now helped more than one million families gain hope for their financial future. This life-changing program teaches families and individuals about personal finance through common-sense principles and small group accountability. Dave Ramsey began teaching FPU classes in 1994 every night around Nashville, Tennessee. In 1997, FPU was made available on video and began spreading across the country.

"This is an amazing landmark for our company. When I started teaching FPU fifteen years ago, I never imagined it would grow to reach over a million families across the country. We hear from people everyday who have changed the way they think about money because of FPU," says Ramsey.

FPU is currently available for churches, companies, military bases, financial literacy programs, Spanish-speaking organizations, community groups, and online. Through these multiple outlets, FPU has positively changed marriages, helped military families communicate overseas, and transformed the lives of families and individuals across the country.

Financial Peace Workplace Edition (FPW) is held in companies of all sizes, from corporate environments to small businesses. Beth and Hank Jones decided to attend FPW when her company offered the class in February of this year. "FPW eased frustration in our marriage from lack of communication. The class opened our eyes to our financial situation and made us aware of where our money was going. Because of FPW we have changed our spending habits and attitudes towards our finances," Beth said.Financial Literacy programs in nonprofit organizations and prisons use FPU to provide their clients with direct, common-sense lessons about money that create self-sufficiency. Diane Gohl with the African Resource Center in Los Angeles, Calif. has taught the class to residents in their shelter. "I feel strongly that it is not enough to teach those that are low income or underserved in our society just the basics of financial literacy. FPU allowed me to teach residents in our shelter how to make financial plans and goals so they are able to avoid debt and succeed financially," comments Gohl.FPU Church combines informative financial advice with biblical messages so that members are able to eliminate debt and give like never before. Central Christian Church in Las Vegas, Nev. has put hundreds of families through FPU since the beginning of 2009, including Stephanie and Rick Kinney. They began with over $190,000 in debt and have been able to eliminate over $30,000 since February 2009. "FPU was a ground shaking experience for our family. It has given us a plan for our finances and a plan to build the wealth that before we thought would arrive on its own," says Stephanie.

As they work through the program, the average family pays off $5,300 in debt and saves $2,700 in the first 91 days after beginning FPU and is completely out of debt, except for the mortgage, in 18 to 24 months.

Visit www.daveramsey.com for more information.

About Dave Ramsey
Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of The Total Money Makeover and host "The Dave Ramsey Show on the Fox Business Network." In his latest book, a follow-up of his enormously successful New York Times best-sellers Financial Peace and More Than Enough, Ramsey exemplifies his life's work of teaching others how to be financially responsible, so they can acquire enough wealth to take care of loved ones, live prosperously into old age, and give generously to others.

Ramsey knows first-hand what financial peace means in his own life – living a true riches to rags to riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right – financially, emotionally, and spiritually.

# # #

View the original article here

Money basics

QUESTION: Elizabeth asks how early you teach your kids about money and what are some basics to teach at a young age.

ANSWER: Give them lots of grace and mercy when they are little and teach them basic things. At age three or four, have your child clean up a few toys in his room. When he does, congratulate him a lot, wad up a dollar bill, and put it in a clear plastic container that he uses for saving. We want it to take up space so he sees that he’s earning money. When he does that a few times, take him to the toy store and let him buy a toy. He will learn about earning and spending, and he needs to be learning about saving and giving, too.

Start to teach those four lessons at an age-appropriate pace and add more and more responsibility as they get older. When they are old enough to have chores, start paying for chores. Work and get paid. Don’t work and don’t get paid. Some chores you do just because you’re part of the family.

That’s how life works, and we want to teach our kids about life so they don’t come home and live in the basement. Progressively, teach them over and over the lessons they need to learn. From age 15 to 18, get them a checking account and teach them how to reconcile it with the bank and how to manage their finances. When they get to college, they will have learned how to live on what they have. It won’t be a surprise. When they marry, they will be a blessing to their spouse instead of a burden. It’s a part of parenting and a process—not an event.

Hear the call

View the original article here

Insure the vacation

QUESTION:A listener wants to know if Dave thinks it’s wise to buy trip insurance for a Hawaiian vacation in case one of the family members contracts the H1N1 flu.

ANSWER: I wouldn’t buy trip insurance strictly because of the H1N1 flu. The probability of it affecting your trip is likely a lot less than the news indicates. Keep things in perspective. Would I buy the insurance with small children? I might. It might not be a bad investment at all. But I wouldn’t do it based just on the H1N1 flu.

Hear the call

View the original article here

$280 Negligee

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Reveal their intentions

Sorry, I could not read the content fromt this page.Sorry, I could not read the content fromt this page.

View the original article here

DAVE RAMSEY MEETS FAN DEMAND WITH ANDROID APPLICATION

FOR IMMEDIATE RELEASE                             

September 22, 2010

DAVE RAMSEY MEETS FAN DEMAND WITH ANDROID APPLICATION

Droid Users Can Now “Ask Dave” on the Spot

NASHVILLE, Tenn. –Dave Ramsey, America’s trusted voice on money and business, announces the Ask Dave Ramsey Android App, a free application available for download from the Android Market.  The Ask Dave Ramsey Android App allows users to listen to more than two thousand calls from “The Dave Ramsey Show;” be encouraged by hearing families scream “We’re Debt Free!;” and search over 20 categories of topics related to life and money.  People can read Dave’s answers or listen to the original radio show audio streamed via the Droid’s Wi-Fi connection.

 With the incredible growth of the Android platform and the number of Android apps, we knew that we needed to build our Ask Dave application for Droid,” said Jen Sievertsen, CMO for “The Dave Ramsey Show.” “After launching Ask Dave for iPhone users we had no end to the requests from Droid users for the same functionality.”

For more information about the app, please visit http://www.daveramsey.com/tools/android-apps

You can download the Ask Dave Ramsey App directly from the Android Market by searching “Ask Dave”.

About Dave Ramsey

The author of three New York Times best-sellers, Ramsey offers his life-changing financial advice as host of a nationally syndicated radio program, “The Dave Ramsey Show,” which is heard on more than 450 radio stations throughout the United States.

Ramsey rebuilt his financial life after losing a $4 million real estate portfolio. He now helps ordinary people understand the forces behind their financial distress and how to set things right. By following his proven plan, everyday people eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace.

More than 1 million families have attended Ramsey’s Financial Peace University with the typical family saving $2,700 and paying off $5,300 of debt. More than 700,000 people have attended a Dave Ramsey LIVE event. His syndicated column, “Dave Says” is available to nearly 14 million readers monthly.

# # #

View the original article here

Listening to the 'expert' financial planner

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

FPU Is A Great Way To Meet New People!

By Alan McCord

It's been amazing! My wife and I started FPU 13 weeks ago. Since the start of the class, we've had several big bills come in over $1,000. We were able to pay them and not even bat an eye. We've built an emergency fund of over $5,000, and we are well on our way to having a very successful life.

Also, FPU is a great way to meet new people. We are attending FPU at a different church than ours, so we knew none of these people at the start of the class. As FPU concludes tonight, we are having a potluck dinner. This class has been life-changing. Thanks again.

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

$54,000 In 17 Months!

By Brandon Lee
Pelham, NC

I first heard Dave on the radio in the first part of 2006. I came home and told my wife about some guy on the radio that made perfect sense. I later bought the book "TTMO" (Total Money Makeover) and read it in about two days!

My wife and I were on board and really got focused. We paid down $24,000 in about 10 months but we still had two cars to pay for and we owned some land that was land locked. I had contacted the neighboring landowner about buying the land but never heard from him. So I turned to the Lord. I asked the Lord to help me sell the land and in turn I would teach FPU (Financial Peace University) at our church. The next day the guy called and offered to buy the land. Jesus called my bluff! I taught the class this past spring.

In total, we paid off $54,000 in 17 months. Thanks Dave for your ministry! The crowns you will be able to lay at the Masters feet one day will be incredible!

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

Explain inflation

QUESTION: Janine wants to know what causes inflation, and how can it be stopped. Dave tells her what goes into it.

ANSWER: Inflation is the increase of the cost of something. If the inflation rate of gasoline is 10%, that means the cost of gasoline went up 10%. What causes things to go up in price are a lot of variables. One thing that can make it happen is supply and demand. If there are 100 people wanting 10 things, there will be a bidding war that will drive the price up. Conversely, if there are 10 people wanting 100 things, the demand is not as great and the price goes down.

Some other items in our economy have more complicated things to do with it. For example, if you buy food from outside the country, that country’s economy affects average inflation in this economy. If you’re buying a house and the shingles on the roof are more expensive because of oil in the shingles, then oil caused housing prices to go up. It gets very complicated and interconnected at that point. Basically, inflation is just the increase of prices.

Hear the call

View the original article here

$11K Stupid Tax

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Timeshare woes

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

DAVE RAMSEY TEACHES COLLEGE STUDENTS ABOUT MONEY

FOR IMMEDIATE RELEASE

DAVE RAMSEY TEACHES COLLEGE STUDENTS ABOUT MONEY

NASHVILLE, Tenn. – Nationally syndicated radio talk show host and best-selling author, Dave Ramsey, announces his college curriculum, Foundations for Life & Money. This is the premier curriculum for teaching financial literacy to students using interactive learning.

A recent study by Sallie Mae reports that 88 percent of college seniors graduate with credit card debt. “College students spend countless hours studying for their degree but hardly any time learning about their personal finances,” said Ramsey. “After years of listening to college students tell me their financial woes on the radio it made sense to develop a program that would teach students how to avoid many common money mistakes.”

A study by Robert D. Manning says three out of five students with credit cards max them out during their freshman year of college and nearly three-fourths of students use their student loans to pay their credit card debt.

Aggressive marketing, joined with students’ lack of financial experience or education, leads many students into serious debt. Teens and students have a lot of money to spend but little knowledge of basic financial information. They spend more than they can repay and the debt increases quickly.

Foundations for Life & Money can help teach students sound financial principles so they can avoid financial difficulties as they transition into the workforce. The lessons are taught in an entertaining, passionate, and easy-to-understand style to help students learn the financial lessons their parents have learned the hard way. Each interactive lesson is taught by Ramsey through age-specific questions.

“It’s been really easy for me to use the Foundations for Life & Money curriculum. The video based program is really appealing to college students,” Tom Roesler, Alumni Advisor from Kansas State University. “It just works perfectly for the environment that we are in.”

For more information or to order call 888-227-3223 or visit www.daveramsey.com.

About Dave Ramsey

Dave Ramsey, a personal money management expert, an extremely popular national radio personality, and author of the New York Times best-sellers The Total Money Makeover, Financial Peace and More Than Enough. He is also host of “The Dave Ramsey Show” on the Fox Business Network. Ramsey knows first-hand what financial peace means in his own life – living a true rags-to-riches-to-rags-to-riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right. Through his proven plan, Ramsey helps eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace.

Ramsey founded The Lampo Group, Inc. to provide financial counseling, through various means, to the public. More than 1,000,000 families have completed Financial Peace University with the typical family saving $2,700 and paying off $5,300 of debt. More than 700,000 people have attended a Dave Ramsey LIVE event. Ramsey created Financial Peace Jr. and authored six children’s books designed to help parents teach sound financial principles to their children. Ramsey’s syndicated newspaper column, “Dave Says” is read by nearly 14 million readers monthly. “The Dave Ramsey Show” is syndicated to more than 450 radio stations nationwide with nearly 4.5 million weekly listeners. “The Dave Ramsey Show on Fox Business Network” launched October 15, 2007.

# # #

View the original article here

Knowing when to sell

QUESTION: Josh has 2 cars. One is paid off and he owes $23,000 on the other car loan. He is going to sell that car, but no one wants to pay what he owes for it. He has some cash saved up and makes $60,000 a year. Is there a mathematical equation to tell him at what point he should sell it short and get out of the payment?

ANSWER: There are 2 things that I look at as a measure of whether I have too much car. If you love it and can be debt free of it and everything but the house in 18 to 24 months, I’m cool with keeping it. The second thing is that everything you own with a motor in it should not equal more than half your annual income. The reason is that all those things go down in value, and you don’t want your money tied up in them.

With your income, you aren’t out of line with the car loan, and if you can pay it off in 18 to 24 months, then do it. If you don’t want to fight that battle, sell the car and write a check for the difference.

Hear the call

View the original article here

Keeping in touch cost us

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Dave Says - August 30, 2010

Dear Dave,
When is it okay to buy toys for the lake—things like boats and jet skis—when following your plan?
Anonymous

Dear Anonymous,
I’m a lake guy, too. So, you’ve hit a soft spot with me on this question. Still, you have to be an adult about these things, and here are a few rules.

First, you should be completely debt free except for your house. Second, you need to have your fully funded emergency fund—that’s three to six months of living expenses—in place. In other words, I want you to have completed the first three Baby Steps. And remember, no matter how shiny and cool it may look, buying a Sea-Doo is not an emergency! Save up and pay cash for your toys.

Remember this rule of thumb when it comes to toys. With the rare exception of collectibles, anything with an engine goes down in value. You should never have more than half of your annual income tied up in the total of all your vehicles. It would be pretty stupid to make $60,000 a year and have $40,000 tied up in cars, boats and other toys. That’s way too much money tied up in things that go down in value the wrong way.

Always make sure your family is well taken care of before you go out buying toys!
— Dave

Dear Dave,
My wife and I are both active duty Marines. She’s planning to get out in a few months, but I’m staying in for the long haul. You recommend saving 15 percent for retirement, but how does that apply in my case when I’ll be getting a good pension after 20 years?
James

Dear James,
I’d like to see you do both. Just imagine the money you guys would have for retirement with your military pension and a big pile of cash from having saved 15 percent of your income over the years!

Having options is a great thing. Think about all the things you could do down the road if you save for retirement and have your pension in place. You could pay cash for a home, or even open a business when you retire from the military. And these are things you probably wouldn’t be able to do working with just your service pension.

You’ve got a great future if you’ll just keep plugging along and saving, James. Let the military do its thing, and you guys keep pumping 15 percent of your income into Roth IRAs and other pre-tax retirement plans. It’s going to be pretty cool!
— Dave

Dear Dave,
What’s the best way to finance a business I want to buy?
Anonymous

Dear Anonymous,
When you borrow money to start a business you’re introducing a huge risk factor into the equation. I don’t borrow money, so I really can’t recommend that you go into debt. Saving up and paying cash is the best way to go.

The only other thing I would consider doing that would lower your risk would be an owner-financed deal. The current owner finances the transaction, and your pay to them is based on the profitability of the business. That way, if there’s no profitability you’re not bankrupt!

Some people will go out and borrow $500,000 or more to start a business. Then, if the business doesn’t do well and you can’t make the payments, you’re bankrupt. There’s really no in-between, and that’s a bad deal!

It’s just a dumb idea to do these “all or nothing” business deals. Even if owning a business is your wildest dream, there’s no point in taking risks like that. It’s just not necessary!
—Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

Dave Says - September 13, 2010

Dear Dave,
I’ll be starting college next fall. Is it okay to take out student loans if you have no other income to live on while you’re in school?
Mandy

Dear Mandy,
Wait a second! What do you mean you don’t have any other source of income to live on while you’re in school? Didn’t anyone ever teach you about a little thing called work? I worked 40 to 60 hours a week all through college, and I still graduated in four years. Nowadays, many people would call that child abuse. It’s absurd!

Don’t try to box me into a corner with the ridiculous notion that you have to take out student loans to go to college. You do not! Did you know that only 57 percent of people who start college actually graduate? That means 43 percent don’t. And guess what they have? Student loan debt and no degree!

Here’s what I want you to do. First, apply for every college scholarship you can find. Next, get a job! You may even have to take a couple of part-time jobs, but so what? Once you’re there, live in the dorm and eat dorm food, too. It won’t kill you. And a state college, where you can get in-state tuition, is always a good idea. If there’s one close by you can save even more money by living at home.

Is a college education important? Sure, it is. It’s a great thing, and I recommend going to college. But is student loan debt a necessary part of getting a degree and achieving success in life? Absolutely not!
— Dave

Dear Dave,
My fiancé is from a wealthy family. The other day, her father suggested a pre-nuptial agreement. I’m not sure what to think about this. What’s your opinion on pre-nups?
Jeremy

Dear Jeremy,
It sounds like her family values its money more than it values their relationship with you. That could be a problem. If your bride-to-be feels the same way, then you shouldn’t marry her. In most cases there’s just a really bad spirit that goes along with pre-nups. It’s basically planning your divorce in advance. And in most cases, what you set your eyes on is what you’ll end up getting. One of my daughters just got married, and I never even thought of suggesting a pre-nuptial agreement.

There may be one exception to this rule. If you’re fiancé was already wealthy on her own, I might change my answer. Extreme wealth has a tendency to attract a whole lot of weirdness and dishonesty. I’ve even gone so far as to tell my wife to get a pre-nup if I die and she marries again. This is different than just the potential to be wealthy, like your case.

You can still have a wonderful marriage, even if you don’t see eye-to-eye with her family on this. But both of you need to be on the same page and of one mind. That’s why I think it would be a really good idea for you guys to address this before the wedding with a heart-to-heart talk and some pre-marital counseling!
— Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

DAVE RAMSEY INTRODUCES ANDRES GUTIERREZ

FOR IMMEDIATE RELEASE                                 

September 15, 2010

DAVE RAMSEY INTRODUCES ANDRES GUTIERREZ TO PROVIDE FINANCIAL HOPE TO THE HISPANIC COMMUNITY

NASHVILLE, Tenn. – Andres Gutierrez has joined Financial Peace University creator, Dave Ramsey, to bring a message of hope to the Hispanic community. Gutierrez has adapted Ramsey’s financial advice to the Spanish language in order to better connect with Hispanic communities. Paz Financiera is a biblically based program that teaches people how to handle their money through common-sense principles and small group accountability. It will be offered to churches, businesses, and community centers.

“People of all languages are looking for a solution to gain control of their finances. Andres is able to connect with his audience in order to deliver this powerful message and change the way people think about their money,” says Dave Ramsey.

Gutierrez knows firsthand what it is like to build wealth from nothing through his life experience as a small business owner and entrepreneur. From hosting a San Antonio financial radio program and appearing frequently as a financial expert on Telemundo television network, he has counseled hundreds of people through difficult financial decisions. After being introduced to Ramsey, they decided to join together to teach Hispanics how to manage their money and achieve their financial goal.

“Being able to teach these principles is an exciting opportunity. These easy-to-understand lessons are what the Hispanic community needs to gain control of their money and their lives,” comments Gutierrez.

Since 1994, Ramsey has helped more than one million families learn how to positively change their financial future through Financial Peace University. Gutierrez has tailored this life-changing course into six lessons that connect with a Hispanic audience. The lessons are taught on DVD in a fun and entertaining way. After each DVD, groups gather together to discuss the lesson and encourage each other in their journey to financial freedom. The topics include:

-          Saving for emergencies

-          Budgeting

-          Getting out of debt

-          Relationships and money issues

-          Credit scores

-          Giving

For more information about Andres Gutierrez or about how to start a class, go to andresgutierrez.com.

About Andres Gutierrez

A successful entrepreneur and small-business owner, Andres Gutierrez knows what it’s like to start with nothing and build lasting wealth. After hosting a San Antonio financial radio program and appearing frequently as a financial expert on the Telemundo television network, Andres has joined Dave Ramsey’s team to bring the message of Financial Peace to Spanish-speaking Americans.

About Dave Ramsey

Dave Ramsey is a personal money management expert, an extremely popular national radio personality and best-selling author of Financial Peace and The Total Money Makeover.

# # #  

View the original article here

DAVE RAMSEY ANNOUNCES STOPS ON SPRING 2010 TOUR

FOR IMMEDIATE RELEASE

DAVE RAMSEY ANNOUNCES STOPS ON HIS SPRING 2010 TOTAL MONEY MAKEOVER LIVE EVENT TOUR

NASHVILLE, Tenn. — Nationally syndicated radio talk show host and New York Times best-selling author, Dave Ramsey, will present his common sense debt reduction and wealth-building strategies in five cities this spring.  Hundreds of thousands of people have dramatically changed their lives using Ramsey’s proven plan to financial fitness. Dave Ramsey’s Total Money Makeover LIVE events will be held in the following cities:  

Houston, Texas, Saturday, January 30, 1p.m. at Reliant ArenaGrand Rapids, Mich., Thursday, February 25, 6p.m. at Van Andel ArenaSan Antonio, Texas, Saturday, March 6, 1p.m. at Freeman ColiseumDallas, Texas, Saturday, March 13, 1p.m. at The Potter’s HouseCharleston, S.C., Tuesday, April 13, 6p.m. at North Charleston Coliseum

For a limited time, discount general admission tickets are available.  VIP seating and VIP Platinum packages are also available.  To check current pricing or to register, visit www.daveramsey.com or call 1-888-227-3223.

About Dave Ramsey

A personal money management expert, Dave Ramsey is an extremely popular national radio personality and best-selling author of The Total Money Makeover, Financial Peace and More Than Enough.  He is also host of “The Dave Ramsey Show on Fox Business Network.” Ramsey knows first-hand what financial peace means in his own life – living a true rags to riches to rags to riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right. Through his proven plan, Ramsey helps people eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace. “The Dave Ramsey Show” is syndicated to more than 450 radio stations nationwide with nearly 4.5 million weekly listeners. “The Dave Ramsey Show on Fox Business Network” debut Oct. 15, 2007.

# # #

View the original article here

Dave Says - September 27, 2010

Dear Dave,
My husband says we can’t travel to Illinois for a family reunion next summer if we’re not out of debt by then. He thinks your rule is no vacations while you’re getting out of debt. I think if we plan and save, it would be worth it to go. Who’s right?
Ann

Dear Ann,
It must be your family reunion we’re talking about! Seriously, he’s right in this case. No vacations while you’re getting out of debt. You guys need to roll up your sleeves and get the job done.

Still, I’m not going to be an ogre or anything about this kind of trip. I mean, we’re talking about family. So, I’m okay with it if you guys work together and spend next to nothing to make it happen. But if traveling to Illinois involves $1,000 worth of plane tickets, then you’re staying home, girl! If I were in your place, I’d be staying home. That’s how you get out of debt. You have to get angry at it. You can’t just roll along living life as usual.

Live like no one else, so that later you can live like no one else. I know, you’re thinking life’s too short to not have some fun. Well, you’re right. Life is too short. It’s way too short to live your whole life being broke!
—Dave

Dear Dave,
Would you agree that pride is our biggest problem when it comes to debt?
Brian

Dear Brian,
That’s a really interesting question. I think pride is definitely toward the top of the list, but I’d say the biggest cause of debt is immaturity.

One really good definition of maturity is learning to delay pleasure. When you can’t wait to buy the video game, or the car, or the iPhone, then that’s a sign of immaturity. It’s like a four-year-old fussing and whining, “I want it right now!” Give me a break! That kind of stuff makes me sick.

But you know, pride may be the biggest reason people keep debt. People who walk around worrying about what everyone else would think if they got rid of the big house or the fancy car—worrying that everybody else would think they’re broke—now that’s pride. But it definitely enters into the equation.
—Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

DAVE RAMSEY ANNOUNCES STOPS ON HIS FALL 2010

FOR IMMEDIATE RELEASE         

August 31, 2010                                               

DAVE RAMSEY ANNOUNCES STOPS ON HIS FALL 2010 TOTAL MONEY MAKEOVER LIVE! TOUR

NASHVILLE, Tenn. — Nationally syndicated radio talk show host and New York Times best-selling author, Dave Ramsey, is hitting the road again this fall in an effort to help people get control of their money. The Total Money Makeover LIVE! is all of Ramsey’s financial principles and philosophies packaged into one entertaining and action-packed event. Millions of people have dramatically changed their lives using Ramsey’s proven plan to financial fitness. Dave Ramsey’s Total Money Makeover LIVE! will be held in the following cities:  

Phoenix — Thursday, September 23, 6p.m. at Dodge TheaterAtlanta — Saturday, October 2, 1p.m. at The Arena at GwinnettRaleigh — Saturday, October 16, 1p.m. at RBC CenterOrlando — Saturday, November 6, 1p.m. at UCF Arena

Discount tickets are available for a limited time. VIP seating and VIP Platinum packages are also available. To check current pricing or to register, visit www.daveramsey.com or call 1-888-227-3223.

A personal money management expert, Dave Ramsey is an extremely popular national radio personality and best-selling author of The Total Money Makeover, Financial Peace and More Than Enough. Ramsey knows first-hand what financial peace means in his own life – living a true rags-to-riches-to-rags-to-riches story. By age twenty-six he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and now devotes himself full-time to helping ordinary people understand the forces behind their financial distress and how to set things right. Through his proven plan, Ramsey helps people eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace. “The Dave Ramsey Show” is syndicated to more than 450 radio stations nationwide with 4.5 million weekly listeners.

# # #

View the original article here

DAVE RAMSEY SIGNS CO-PUBLISHING AGREEMENT WITH SIMON & SCHUSTER’S HOWARD BOOKS

New York Times Bestselling Author Dave Ramsey Signs Co-Publishing Agreement with Simon & Schuster’s Howard Books

New York, NY—June 16, 2010—Howard Books, an imprint of Simon & Schuster, Inc.,  has signed a two-book world rights co-publishing agreement with New York Times bestselling author Dave Ramsey. The first book, based on Ramsey’s EntreLeadership® principles, will be published in fall 2011.  Both books in the agreement will be published worldwide by Simon & Schuster and by Simon & Schuster Audio.

“We are thrilled to partner with Dave Ramsey for the publication of his much-anticipated next books,” said Carolyn Reidy, President and CEO of Simon & Schuster, Inc. “Financial Peace and The Total Money Makeover have become an invaluable resource to millions, and we look forward to working with Dave to grow the readership as he now extends his sage advice and strategies for success into the world of business.”

“Our first book with Dave will guide business leaders in understanding the successful intersection of entrepreneurship and leadership in all facets of business,” said Jonathan Merkh, Vice President and Publisher of Howard Books. “This book will quickly become a must-have for anyone who wants to reach for the next level of success in business.”

There are more than 6.8 million copies of Dave Ramsey’s books in print. He also hosts a nationally syndicated radio show that is heard on more than 450 stations by 4.5 million listeners weekly.

 “After talking with many publishers, Howard Books and the Simon & Schuster team’s world renowned brand and marketing savvy made our decision to publish our next two books with them an easy one,” said Ramsey. “We are excited about these two new opportunities to serve our customers with life changing teaching and inspiration.”

The fall 2011 title will be the first major book from Ramsey since the release of The Total Money Makeover. Published in 2003, The Total Money Makeover has appeared on the New York Times best-seller list more than 140 weeks.

# # #

Simon & Schuster, a part of CBS Corporation, is a global leader in the field of general interest publishing, dedicated to providing the best in fiction and nonfiction for consumers of all ages, across all printed, electronic, and audio formats. Its divisions include Simon & Schuster Adult Publishing, Simon & Schuster Children’s Publishing, Simon & Schuster Audio, Simon & Schuster Digital, and international companies in Australia, Canada, and the United Kingdom. For more information, visit our website at www.simonandschuster.com.

View the original article here

DAVE RAMSEY MEETS FAN DEMAND WITH IPHONE APPLICATION

FOR IMMEDIATE RELEASE
July 14, 2010

DAVE RAMSEY MEETS FAN DEMAND WITH IPHONE APPLICATION

iPhone Users Can Now “Ask Dave” on the Spot

NASHVILLE, Tenn. –Dave Ramsey, America’s trusted voice on money and business, announces the Ask Dave Ramsey iPhone App, a free application available for download from the iTunes Store.  The Ask Dave Ramsey iPhone App allows users to listen to more than two thousand calls from “The Dave Ramsey Show;” be encouraged by hearing families scream “We’re Debt Free!;” and search over 20 categories of topics related to life and money.  People can read Dave’s answers or listen to the original radio show audio streamed via the iPhone’s Wi-Fi connection.

“Many of Dave’s 4.5 million listeners are iPhone users – including myself,” said Bill Hampton, EVP of “The Dave Ramsey Show.” “They’ve been asking for an app that lets them access Dave’s advice by topic, and we delivered just such a tool.”

For more information about the app, please visit http://www.daveramsey.com/tools/iphone-apps/

To download, please visit http://itunes.apple.com/us/app/ask-dave-ramsey/id380709887?mt=8.

About Dave Ramsey

The author of three New York Times best-sellers, Ramsey offers his life-changing financial advice as host of a nationally syndicated radio program, “The Dave Ramsey Show,” which is heard on more than 450 radio stations throughout the United States.

Ramsey rebuilt his financial life after losing a $4 million real estate portfolio. He now helps ordinary people understand the forces behind their financial distress and how to set things right. By following his proven plan, everyday people eliminate debt and credit cards, learn to budget, avoid bankruptcy, build wealth and find financial peace.

More than 1 million families have attended Ramsey’s Financial Peace University with the typical family saving $2,700 and paying off $5,300 of debt. More than 700,000 people have attended a Dave Ramsey LIVE event. His syndicated column, “Dave Says” is available to nearly 14 million readers monthly.

# # #

View the original article here

Dave Says - August 10, 2010

Dear Dave,
What’s the best way to respond to a sibling who continually makes poor choices with money and often asks to borrow money? I don’t want to be heartless, but they’re out of control asking for money anytime they want. I’m currently on Baby Step 2 of your plan, and I’m six months away from being debt-free. Do you have any suggestions?
Jen

Dear Jen,
I think you should just tell them the truth. You’re trying to get out of debt, so you don’t have extra money sitting around. Let this sibling know that you’re working hard to change the way you handle your money. Let them know, too, that part of that is you’ve decided debt is dumb, so you don’t borrow or loan money anymore.

Make sure you do this with a kind spirit, Jen. You could even let them know you might consider giving them some money as a gift if you had any extra lying around and you knew they were in control financially. But you’re not really helping someone who’s incompetent with money when you give them cash or even loan them money.

You’ve got to look at the big picture in situations like this. You’re not helping someone if you participate in their misbehavior with them. Sometimes you have to love somebody enough to tell them the truth, and that can mean saying no and telling them to straighten up!
—Dave

Dear Dave,
I want to keep one of our credit cards open and use the bill-pay option for utilities and other monthly bills. I want to do this so we can continue earning rewards points, and the way I look at it, we’d just be re-routing the money and paying it off every month. My husband doesn’t like this idea and thinks we should get rid of them all. Am I just asking for trouble by wanting to keep the rewards card open?
Cheryl

Dear Cheryl,
Yes, you are. Life never works out exactly the way you think it will. You can make all the well-reasoned and best-intentioned plans you want, but sooner or later that snake is going to bite you.

The only thing I’d consider in a situation like this is a debit card that has a rewards system attached. Lots of debit card programs offer the same kinds of rewards programs offered by credit card companies, with one big exception—you don’t have to go into debt!

You need to stop chasing these stupid brownie points. According to Consumer Reports, 78 percent of credit card airline miles are never redeemed. Studies also show that people spend more when using credit cards as opposed to cash. That extra money you spent is money you could have been saving. So, where’s the reward? It’s a myth. It’s like trying to catch a unicorn.

Cut up the card and close the account, Cheryl. You don’t build wealth by using credit cards!
—Dave

To carry the column in your publication, contact us for more information. Contact Us

View the original article here

Single Dad Now Debt Free!

by Bruce G.
Southaven, MS

Dave, I did it! As a single father of 2 wonderful boys (ages 5 & 7), I thought it would be impossible, but 24 months later... I'M DEBT FREE! I've paid off about $46,000 in debt, paid cash for repairs to my home that cost over $13,000 and have been through three Christmases without charging one cent. All of this was done by living on a shoestring budget, eliminating all "wants" and not selling anything.

I've been so enthused by your principles that I've taught FPU at our church, encouraged several co-workers to live debt-free lives and have my boys on commission. I've also given away several copies of your Total Money Makeover book. None of this would have been possible without your instruction, guidance and inspiration.

I'm now working on Baby Step 3, and within a year I should be on to steps 4-6. At my current pace I should have my house paid for within eight years, then it will be time to build wealth and give like crazy!

Thank you, Dave, for everything you've taught me because without you I'd still be living paycheck to paycheck, without any hope.

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

SIGH OF RELIEF

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Trying not to be young and stupid

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

We paid off our house today!!

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

The Most Expensive Car

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

How Dave got started

QUESTION: A listener wants to know how Dave established himself as a financial counselor that people could trust.

ANSWER: I never worried about whether people could trust me. I knew I could help them and they needed the help. It’s certainly probable that more people trust me now than then. I started by doing it for free at my church as a ministry. I do have a finance degree. I’ve bought and sold foreclosures for years. I know how bankruptcy works because of having gone through it. I had a lot of background in the needed areas. Knowledge offset reputation.

Hear the call

View the original article here

“THE DAVE RAMSEY SHOW” ADDRESSES BUSINESS QUESTIONS LIVE FROM ATLANTIS

FOR IMMEDIATE RELEASE
April 27, 2010

“THE DAVE RAMSEY SHOW” ADDRESSES BUSINESS QUESTIONS LIVE FROM ATLANTIS

NASHVILLE, Tenn. – Friday, April 30, “The Dave Ramsey Show” will broadcast live from Atlantis in the Bahamas as part of Ramsey’s EntreLeadership Master Series. To fit the theme of the event, this special broadcast will focus on small business questions from callers, e-mails and event attendees. The show airs live from 2p.m. to 5p.m. EDT.

Dave Ramsey is a personal money management expert and New York Times best-selling author. His nationally syndicated radio talk show can be heard on more than 450 radio stations, with 4.5 million listeners weekly. He is also host of “The Dave Ramsey Show” on the Fox Business Network.

EntreLeadership Master Series

EntreLeadership combines the innovative spirit of an entrepreneur with the passion and drive of a leader. This philosophy is how Ramsey has run his highly successful company and trained his leadership team since day one. He now makes this training available to small business owners in an exclusive 7-day, five star event. Business owners who attend walk away with practical ideas that can improve their communication, organization, team culture, finances, negotiating and selling skills, marketing, advertising, and ability to make tough decisions.   

“The Dave Ramsey Show”

“The Dave Ramsey Show” focuses on life, love and relationships and how they happen to revolve around money. Listeners from across the country call in daily to ask Ramsey about: how to stop fighting with their spouse, teach their kids about money, save for retirement, kick a gambling habit, get out of debt and other life issues they are struggling with. Popular segments include “plasectomies” and “Debt Free Day” – where listeners call in to tell Ramsey how much debt they have paid off and that they are now DEBT FREE!  

To ask Ramsey a question, call in during the show at 1-888-825-5225 or send an e-mail to daveonair@daveramsey.com. For more information about “The Dave Ramsey Show” visit www.daveramsey.com.

# # #

View the original article here

FPU Taking Living to the Next Level

By Stephanie Cook
White House, TN

After three years of following FPU principles, we felt led to "preach" by leading an FPU class. There was one couple who showed up at the last class that we hadn't seen since the first class! We weren’t really sure how to react to that until they told us their story. Here it is:

At the first FPU session, they told us that they were interested in finding out how to save for retirement. Well, after the first session, he started having problems with his back so much that, at times, he couldn’t walk. Once they realized that coming to class every week was not going to be possible, they bought the FPU DVD set, and every Sunday night while we were in class, they were at home going through the same session. They had been following along in their book, doing their budgets, and saving the entire time. As a matter of fact, they paid off $8,000 in credit card debt, saved $1,400 for a beginner emergency fund, were able to talk together about money for the first time in about 30 years, and paid cash for all of the deductibles that he had to fix his back…which included surgery to repair 3 vertebrae in his neck.

I’m sure that my jaw hit the floor, but I was so thrilled for them! When they shared their story with others in the class, there was much rejoicing and enthusiasm as we ended the night. I think that was just the push that they needed to knuckle down and continue with the plan. It was AWESOME!

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

On Our Way To Retirement!

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Aging while investing

Sorry, I could not read the content fromt this page.Sorry, I could not read the content fromt this page.

View the original article here

To pay the house off

QUESTION: Jason in Texas and his wife are on Baby Step 2. He told his mother-in-law that, by working Dave’s plan, they will pay off the house in 10 years. She told him that would be a stupid move, but she has no reason why she thinks that. How can he talk to her about it being smart to do? Dave gives him a few answers.

ANSWER: She is the stupid one if she thinks you should behave a certain way, yet can’t tell you why. If someone can’t tell you why they have an argument, then they don’t have an argument. Keep that in mind when someone is trying to unsettle your spirit like that.

There are three reasons why you should pay off your home that people rail against. The first is that paying off the house lowers risk, because you won’t be foreclosed on if your house is paid off. It gives you great security. The second reason people say not to pay it off is because they say you can make money by borrowing money at a low interest rate on your house and investing it in the stock market. But by the time you adjust for risk and taxes, you don’t come out ahead. I would never borrow on my home to invest.

The big reason that people say not to pay off your home is that you’ll lose your tax deduction. If you have a $200,000 loan at 5% interest, you’d pay about $10,000 a year in interest, which would give you a $10,000 deduction. If you make $70,000 a year, that deduction is saving you $2,500 in taxes if you’re in a 25% tax bracket. You are sending Countrywide Mortgage $10,000 to keep from sending the government $2,500. That’s stupid. You are better off being debt-free and giving your church $10,000. You’ll save on taxes and do some good with the money.

Hear the call

View the original article here

We Are Now Better than We Deserve!

By Joe Macfarlane
Folsom, CA

My wife and I have paid off $44,000 of debt in just 6 months! We have a 3-6 month emergency fund, and we are now investing close to 15% of our annual income in our 401(k)s. We also sold our house and bought a less expensive one so we could afford the 15-year mortgage.

My wife attended your Certified Counselor Training program. Together, we have led four Financial Peace University classes. We also do pre-marital, financial, and crisis counseling for our church members, or anyone who asks. FPU has changed our lives dramatically. Our only regret is that while watching the FPU videos over and over, we realize how much stupid tax we have paid! Anyway, we are now better than we deserve.

Do you have a story about how your FPU course has made a difference in your church? Please share it with us!

Motivated by this story? Read more success stories!

View the original article here

Time Share Trap

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

Two paycheck budget

QUESTION: Josh asks how you budget when one spouse gets paid twice a month, and the other gets paid every two weeks. Dave says to not budget for the perfect month.

ANSWER: Don’t do a budget for a perfect month, do a budget for THIS month. Look at how many checks you get during this month, and gear your budget around that. If in December or June you get more than four paychecks, then make your budget to go along with that.

Hear the call

View the original article here

True Freedom

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

It Pays to Shop Around

Companies Dave Trusts

Dave doesn't endorse just anyone. These are the best.

1:10

Sorry, I could not read the content fromt this page.

View the original article here

August 2, is no easy coconut cake recipe a step?

by Lucie Berube
(Yellowknife, NT Canada)

I have had nothing but congratulations every time you make one of their cake and have been asked to make an "emergency" birthday cake for a young lady who works at a camp and only home for his father's birthday. It is a fan of large coconut, so I want to try your recipe Easy coconut cake.There is no instructions on where to put the ingredients of flour and humid. AM missing something.These alternate in other recipes to the butter and sugar mixture?

Thank you for all your help Michelle! you are amazing!

From the editor:

Hello Lucie,

UNRWA! you have right. recipe for Cupcakes coconut, which can also be used to make a 10 "round cake, missing a step."

It should be step 4: Add the dry ingredients and wet ingredients as an alternative to the batter, ending with the dry ingredients.

Continuing with the recipe.

I will fix that now mismo.Gracias for the heads-up.

Good luck.

What is concerned,
Michelle (editor)

Lucie

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Jul 22, Hershey sheet cake recipe?

by charlotte
(Sound Phenix City)

I need a prescription for a cake of the sheet where you poke holes in the top and pour the glitter on top and goes into the holes when set.

I think Hershey had the recipe, but can seam to find it.
Thank you for your tiempoCharlotte

From the editor:

Hello Charlotte,

I must confess, I have no idea what is this recipe, but it is expected that one of our charming visitors to the site will be able to help with the answer.

What is concerned,
Michelle (editor)

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Jul 16, Butter temperature?

by Gina
(Name, New York)

Must the butter be temporary room or refrigerate refrigerado.Directamente.?

From the editor:

Hi Gina,

Butter should be at room temperature unless otherwise noted in a recipe.

Thank you for your question.

What is concerned,
Michelle (editor)

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

July 27, Will sustain chocolate decorations on the heat?

by o ' Hare of Breda
(Newry co down, Ireland)

Hello, I am making a cake of chocolate, but I want to be something different.

He was thinking about doing with cut chocolate.han butterfly photo butterflies and drawn in grease proof paper and put chocolate in the shape of butterfly lines, but cake have to stay in a tent of about 5 hours in the heat with loads of people walking in and out of the tent.

Therefore, I wonder how would maintain hard chocolate and not melts?

Thanks!

Breda or ' Hare

From the editor:

Hi Brenda,

The best type of chocolate that will be used for decorations, such as butterflies, would melt caramelo.estos are small manufacturers better sustain heat regular.Usted chocolate can be found in any store or order online decoration cake candy chocolate disks.

What is concerned,

Michelle (editor)

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Aug 2, Wegman ' s Ultimate White Cake

by June
(Pennsauken, NJ, USA)

Hello!I am working on a final white cake wing Wegman, a supertienda beautiful grocery in the northeastern United States.I think I almost have it, but not quite. does someone have any suggestions out there? is a delicious "vanillay," dense and moist cake white (not too).
I can't wait to try their best spongy icing!
June

From the editor:

Hello June,

I am not familiar with that particular store so I can not offer any advice.But it is expected that one of our other enchanting visitors will be able to help to.

Good luck.

What is concerned,

Michelle (editor)

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Aug 2, Ladybug Cake

by Kira
(Canadian)

Lady bug with Sunflower cupcakes

Uses a great Pyrex Bowl to Mariquita body and a small head.Covered in spongy cherry colour dyeing a deep red and black (icing was a little too much during the trip from my house to party and began to run: () cupcakes are chocolate covered with spongy green icing for grass with small and large yellow oreos "petals" for the appearance of sunflowers and red M & MS with black cherry channelled to ladybugs baby looks like hielo.Hecho for first birthday of the my niece.) The idea was found at Cakedecoratingcorner.com, among other Web sites.

From the editor:

Thank you for your lovely LadyBug Cake Kira. She is very nice!

What is concerned,

Michelle (editor)

Click here to send comments.

Join in and write your own page! it is easy to do.How?
Simply click here to return to images of birthday cake.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Sep 21, 50th Birthday Cake

by Esmeralda Ayres
(Roodepoort, Gauteng)

Cow makes 50 cake

I made this unique cake birthday 50 when my friend turned 50.Quería something to find playful yet with my friend estilo.apodo is the cow and the theme of the party was "Cow is turning 50" so it goes without saying that I did one cow cake...
Everything about the cake was edible except for the straw hat, the shower and the Bell.

From the editor:

Great both Esmeralda.Gracias cake to share with us.

Emerald mentions not exactly what she used to do all the fabulous decorations on their 50th birthday cake, but here are some ideas, if you would like to produce your own masterpiece:

* For the background on both levels, could use spongy with modeling chocolate or Marshmallow fondant accents or cover the whole cake in fondant or chocolate.

* To make decorations, you could use any fondant chocolate paste or gum modeling (just knead a little Tylose dust in your fondant and becomes rubber paste).

Look at you decide to go, be sure and come back here to share your photos of cake and ideas with us!

Good luck.

What is concerned,

Michelle (editor)

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here

Jul 14, marshmallow frangipani cupcake topper

by Angela
(Australia)

Recently I went to a 60 part where he was making cakes Cup, butter cake icing is fairly easy but at the top is frangipani flowers were cut with marshmallows, I would do this for my wedding, but don't know how cut the marshmallow and give shape to the flower.

From the editor:

Hello Angela,

It is necessary to cut the marshmallows, powder liberally with sugar powder (sugar) and forms each petal to mano.Se overlapping the bottom border of a petal in another, until you have five in a form of fan, then they roll in each other and fan out the top until it likes the way.

We also have a great tutorial step by step for that are as easy to make jusst marshmallow fondant frangipanis.

Good luck.

What is concerned,
Michelle (editor)

Click here to send comments.

If you want to find something hastily? there is no problema.encontrar the answers you need here:

If you have any questions about baking, mounting or decorate a cake, ask them here!

Never be short of an idea of the great cake at a time.

Subscribe to newsletter "Too nice A sector" and great insider tips, tricks and out-of-the box decorated cake ideas delivered to your Inbox.

If you like what cannot see you, share this site with your friends? there's always something new to bake here.

View the original article here