Dave Ramsey - Your Money Makeover Man

1 - I can do better 2 - Jury's out 3 - Pretty darn good 4 - Splendiferous 5 - Awesometastic by 12 people | Log in to rate

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It's Dave Ramsey to the Rescue!

From Bankruptcy to Millionaire, Dave Ramsey Has "Been There, Done That!"

Dave Ramsey is an American financial writer, radio and television host. His syndicated radio program, The Dave Ramsey Show, is promoted with a tagline that it is about "Life and Money," and is heard on over 300 radio stations throughout the United States and Canada, and also on XM and Sirius satellite radio. He has written over 14 books, three of which have been on the New York Times Best Seller list. His books and broadcasts often feature a Christian perspective that reflects Ramsey's own religious beliefs.

Ramsey's current company, The Lampo Group, is headquartered in Brentwood, Tennessee, and oversees three divisions geared toward financial counseling.

He has been featured on many media outlets including The Oprah Winfrey Show, 60 Minutes, and The Early Show on CBS. He has also recorded a pilot and six episodes of a reality show named The Dave Ramsey Project. He is the host of The Dave Ramsey Show at 8pm ET and repeated at 12am weekdays on the new Fox Business Network.

Who Is Dave Ramsey?  

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What do you think of credit cards? 

We don't think like our great grandparents anymore. They knew how to save money. No, now we think that the answer to ridding ourselves of debt is to borrow it. Even the government, with it's multi-billion dollar bailouts, has succumbed to this trend.

What do you you think?

Are credit cards a smart way to solve our financial problems?

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yes, because...

rcraig12 says:

I think credit cards are great for daily purchasing instead of carrying cash. But always remember to pay them all off at the end of the month!

Using a card instead of cash brings alot of legal protection to you the card owner on every purchase you make.

saraht43 says:

I think credit cards are great for trips and major expenses, IF you have the resources and good judgement to make the timely payments required.

BrianS says:

Credit cards are smart if you are smart, but if you use them for borrowing, don't pay off the full amount each month and end up paying those huge interest rates well quite frankly - what's the opposite of smart?

no, because...

newera3300 says:

Credit cards, in my opinion, should by only used in emergencies. If the balance is high, the low payment that is made monthly is being made mostly towards the interest and it would take long to pay down the initial balance.

bridal234 says:

they can be the root of our financial problems

Angelina_Howard says:

Credit cards offer a false security and can get out of hand very quickly.

dreamsgate says:

If you don't have the money now, what makes you think you will have it later?

23gillies says:

They are good for short term loans but anything beyond that in my opinion and you are spending beyond your means

 

Dave Ramsey Rants on Credit Cards 

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What is the Dave Ramsey Show? 


Dave Ramsey offers life-changing financial advice as host of the nationally syndicated radio program, The Dave Ramsey Show, heard by nearly 3 million listeners each week on more than 375 radio stations throughout the United States.

The 3-hour live radio talk show focuses on life, love, and relationships, and how they happen to revolve around money.

How to be Financially Successful 

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The Total Money Makeover: A Proven Plan for Financial Fitness

Amazon Price: $14.61 (as of 12/10/2009)Buy Now
Used Price: $9.85

"Winning at money is 80 percent behavior and 20 percent head knowledge." So states Ramsey, author and radio show host, offering a comprehensive plan to get out of debt and achieve financial fitness. Our current financial position represents the sum total of the decisions we've made to this point, he tells us, and we must take personal responsibility for our financial problems. His seven-step plan includes paying off all debts except the home mortgage at an accelerated speed, creating a financial safety net that covers three to six months' expenses, investing 15 percent of income in a retirement fund, and saving for children's college expenses. He effectively shows how regular people can rid themselves of debt and grow their wealth using current income. While many of Ramsey's concepts are not new, his simple approach and client testimonials will resonate with a broad range of library patrons. This is important information in a society buried in debt, with unprecedented numbers of people facing bankruptcy.

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Normal is Broke 

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Financial Peace University (FPU) 

After my husband and I had been given Ramsey's book as a gift, we started listening to his podcast. We implemented the plan to get out of debt. Now we are very close to being debt-free, except for the house.

Last year, we were thrilled to hear that our church was hosting a Financial Peace University class. We were one of the first to sign up. One couple in particular stood out from among the rest... during class, they requested to share their first move to get rid of debt with the class by cutting up over 50 credit cards, which began an intense effort to rid themselves of debt. When they gave their testimony in church, they got a standing ovation. I have seen wonderful things happen to committed individuals and families who were fed up with being ensnared in debt-manufacturing habits that millions of Americans have adopted.

Read the book, take the class, and make freedom from debt your goal for 2009... you won't regret it!

Financial Peace University
Real debt help is not quick or easy. Quick, pain-free fixes like debt consolidation, debt management, and bankruptcy actually cause you more harm than good. These services almost never solve the true problem - your behavior. The only way to get out of debt and stay debt free begins with you.

FPU Preview - Part 1 

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FPU Preview - Part 2 

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FPU Preview - Part 3 

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Dangers of Cosigning  

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Dave's Fox Business Network Bio 

Dave Ramsey joined FOX Business Network in September 2007 as the host of The Dave Ramsey Show primetime program.

Ramsey is a nationally syndicated radio talk-show personality, best-selling author and personal finance expert. He continues to host his daily radio program, The Dave Ramsey Show, based in Nashville, Tennessee, which has been on the air for more than fifteen years and can be heard on over 325 radio stations across the country.

Ramsey is also the creator of a 13-week program called Financial Peace University (FPU), which educates participants about how to reduce debt, gain control of their finances, and learn new behaviors around money. He has written five best-selling books including Financial Peace, More Than Enough and The Total Money Makeover, among other titles.

Ramsey began his career as a personal finance teacher offering one-on-one debt counseling to individuals in 1991. He earned his B.S. degree in Finance and Real Estate from the University of Tennessee.

Catalyst Conference 

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Dave Ramsey's Personal Finance Software Version 5.0

Amazon Price: (as of 12/09/2009)Buy Now
Used Price: $10.15

A Quick & Easy Way To Take Control Of Your Finances Today! (Available for PC users ONLY - not MAC compatible) Your income is your greatest wealth-building asset. Making your income behave is the KEY to FINANCIAL FREEDOM. The features available in the Financial Peace Personal Finance Software will help you take control of your money like never before! Take Control Of Your Finances Today! Utilizing this software and following your new plan will change your financial future. Financial Peace Personal Finance Software will allow you to interact with the forms presented in Financial Peace University and in many of Dave Ramseys books and workbooks. Using an in-depth tutorial, Dave will walk you through, step-by-step, how to customize and use each of the forms. Confidence comes from having a game-plan for your future. The peace you experience by having control of your financial destiny is something most people never experience. What would it be like to have confidence in your financial future? Communication about finances is vital in marriage. Increase communication with your spouse by developing a solid foundation from which you can build your dreams! Relationships are strengthened when couples work TOGETHER on their finances. Change your Family Tree. Experience the peace of mind that comes from knowing that your retirement is secure. Know that you have a plan, and that your plan is only limited by the level of dedication and intensity you have for your FINANCIAL FREEDOM. And Do It All On PURPOSE!

Generation Change 

(a special Dave Ramsey plan for college students)

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More than Enough: The Ten Keys to Changing Your Financial Destiny

Amazon Price: $10.40 (as of 12/10/2009)Buy Now
Used Price: $6.51

In his first bestseller, Financial Peace, Dave Ramsey taught us how to eliminate debt from our lives. Now in More Than Enough, he gives us the keys to building wealth while also creating a successful, united family. Drawing from his years of work with thousands of families and corporate employees, Ramsey presents the ten keys that guarantee family and financial peace, including: values, goals, patience, discipline, and giving back to one's community. Using these essential steps anyone can create prosperity, live debt-free, and achieve marital bliss around the issue of finances. Filled with stories of couples, single men and women, children, and single parents, More Than Enough will show you:

* How to create a budget that fits your income and creates wealth
* What finances and romance have to do with one another
* What role values play in your financial life
* How to retire wealthy in every way
* And much, much more

Resonating with Ramsey's down-home, folksy voice, heartwarming case histories, inspiring insights, quotations from the Bible, and exercises, quizzes, and worksheets, More Than Enough provides an inspiring wealth-building guide and a life-changing blueprint for a vital family dynamic.

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Dave Ramsey Debunks Some Debt Myths  

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Ramsey Flickr 

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Marriage and Money Clip 

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Direct Online Resources 

Dave Ramsey - FOXBusiness.com
The Dave Ramsey Show on Fox Business
Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan.
Real debt help is not quick or easy. Quick, pain-free fixes like debt consolidation, debt management, and bankruptcy actually cause you more harm than good. These services almost never solve the true problem - your behavior. The only way to get out of debt and stay debt free begins with you.

"Debt Snowball" Money Makeover 

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Dave Ramsey's Financial Peace: Dumping Debt DVD

Amazon Price: (as of 12/10/2009)Buy Now
Used Price: $599.99

Nothing feels quite like being debt-free. Could you accumulate some wealth, share some wealth and live some dreams if you had absolutely no debt? Dave Ramsey shows you how to become debt-free as he walks you through the necessary steps and details of dumping debt with the debt snowball method. Dave explains how you begin with your smallest debt, pay it off and move on to the next debt, all the while making larger and larger payments that accelerate the rate at which you dump your debt and celebrate your FINANCIAL PEACE.

Dave Ramsey with Ron Mainse 

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Recent Blog Posts About Dave Ramsey 

An Open Letter to Dave Ramsey – Advice on Home Staging Training ...
An Open Letter to Dave Ramsey ? Home Staging IS a Viable Career and ASP Training is the best. Dear Dave,. As the President of the International Association of Home Staging Professionals (IAHSP), I have been receiving emails of concern ...
Free Sample Frenzy: Dave Ramsey's Day 10 Giveaway - $2000 CASH!!
If you are not familiar with Dave Ramsey, he has a radio talk show and a show on the fox business channel. He gives financial advice and specifically focuses on getting people out of debt. Dave is giving away gifts every day now until ...
Minutes4Mom: Dave Ramsey 12 Day Giveaway
For 12 days Dave Ramsey is giving away cash and other items. Today he is giving away $2000!I'm a fan of Dave Ramsey and the no nonsense teaching he gives on getting out of debt and saving money. If you would like to learn more about ...

A Call About the Money Merge Account Mortgage Accelerator 

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Amazing & Inspirational Call 

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We're Debt FREE!!!! 

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