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Keyword: daveramsey

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  • New Labor Department rule could kick Jim Cramer, Dave Ramsey, Suze Orman off the air

    03/05/2016 4:33:44 PM PST · by SeekAndFind · 21 replies
    Hotair ^ | 03/05/2016 | Taylor Millard
    A new government regulation could end up causing serious damage to freedom of speech and freedom of the press. The Labor Department is finalizing a new fiduciary rule which the government claims will save the middle class billions of dollars by requiring the the firm and adviser to provide advice “in the client’s best interest.” Via the Labor Department’s website: *Commits the firm and adviser to providing advice in the client’s best interest. Committing to a best interest standard requires the adviser and the company to act with the care, skill, prudence, and diligence that a prudent person would...
  • Dave Says: God Is Whispering to You

    04/28/2015 3:32:12 PM PDT · by Kaslin · 16 replies
    Townhall.com ^ | April 28, 2015 | Dave Ramsey
    Dave Says: God Is Whispering to You Dear Dave, I was recently notified that I am one of the beneficiaries of a class action lawsuit against a previous employer. The amount I can receive is just $200, but I don’t feel like this past employer wronged me in any way. Everyone around me is urging me to take the money, but I feel kind of weird about accepting anything under the circumstances. What do you think I should do? Randy Dear Randy, I don’t know all the details of the episode you’re talking about, or what happened with this particular...
  • Dave Says: Forget the Kids College Fund; Save for Retirement First

    04/23/2014 2:28:15 PM PDT · by Kaslin · 9 replies
    Townhall.com ^ | April 23, 2014 | Dave Ramsey
    I noticed that your Baby Steps list puts saving for retirement before saving for your kids college fund. Sending your kids to college would come first on the timeline, so what is your reasoning behind this?Jen Dear Jen, I advise this approach because everyone is going to retire someday, unless, of course, they happen to die before reaching retirement age. Retiring and eating are necessities. College is a luxury. Lots of people succeed in life without going to college, and thousands have worked their way through college. I worked 40 to 60 hours a week in college, and I still...
  • Is Success about luck or hard work (Dave Ramsey Video)

    03/18/2014 9:07:56 AM PDT · by CSM · 36 replies
    Youtube link ^ | August 30, 2013 | Dave Ramsey
    I'm posting a youtube link for my fellow Dave Ramsey fans. I think you might find it interesting.
  • Dave Ramsey Destroys Obamacare

    10/14/2013 10:00:25 AM PDT · by fwdude · 65 replies
    EagleRising.com ^ | 14 October 2013 | Dave Ramsey
    Dave Ramsey has been speaking financial sense to millions of people for years. He has taught Americans that credit is not the beautiful thing that banks and credit card companies have tried to make it out to be. He has taught Americans that spending more than you make is never a good idea. He has taught Americans that now is always the right time to fix your spending habits and get your financial house in order. A few days ago, Mr. Ramsey decided to share his wisdom with people of all political affiliations on how the Obamacare legislation would affect...
  • The Pension You Never Owned

    07/23/2013 7:12:27 AM PDT · by Kaslin · 8 replies
    Townhall.com ^ | July 23, 2013 | Dave Ramsey
    Dear Dave, My grandfather died about a month ago, and I recently learned that in his will he distributed his money unevenly between his children and grandchildren. I received significantly more than other members of the family, but I make $140,000 a year. I’d like to give them some of my inheritance to even things out. How would you approach this? Kate Dear Kate, You’re obviously unselfish and have a really good heart. But honestly, it was your grandfather’s decision and his money to do with as he pleased. It wouldn’t be wrong or greedy to simply keep what you...
  • Dave Says Your Father is a Manipulator

    07/24/2013 9:47:17 AM PDT · by Altariel · 14 replies
    Townhall.com ^ | July 16, 2013 | Dave Ramsey
    Dear Dave, My parents have always had financial problems, and they recently lost their home. They have a place to live, but since that time my father has been asking me for money. He calls me over to talk about this when my mother isnt there and my husband isnt home. Hes even asked for half of a $150,000 inheritance I received from my grandparents. Hes really making me feel guilty, and Im not sure what to do. Elena Dear Elena, Your brain knows what to do, but your heart is having a hard time doing it. Your father is...
  • Dave Says Sunts Don't Build Marriage [sic]

    07/24/2013 9:41:38 AM PDT · by Altariel · 18 replies
    Townhall.com ^ | July 9, 2013 | Dave ramsey
    Dear Dave, My husband and I have been following your plan, and were debt-free. Recently he invited his sister, her husband and their two kids to live with us. His brother-in-law recently lost his job, and he did this without talking to me first. I agreed after the fact, but do you think we need a roommate agreement or some kind of understanding while they stay with us? They have about $70,000 in debt, and they havent been very responsible with their money. Amanda Dear Amanda, Ive got to tell you theres zero chance that my wife or I would...
  • Dave Says Let Him Fire Himself

    07/24/2013 9:35:45 AM PDT · by Altariel · 12 replies
    Townhall.com ^ | July 2, 2013 | Dave Ramsey
    Dear Dave, Is it okay to pay two employees who do the same jobs different salaries? Eric Dear Eric, Sure, its okay. Fair isnt always equal, and equal isnt always fair. There are no two people on earth who do the same, exact jobs with the same, exact levels of competency and precision. Heres a more detailed example. Lets say I had two personal assistants within my organization. Both of them worked as assistants to vice presidents, but one has been on my team for 10 years and is the assistant to someone whose department is very large and profitable....
  • Dave Says Pay the Lady

    07/24/2013 9:28:03 AM PDT · by Altariel · 18 replies
    Townhall.com ^ | June 11, 2013 | Dave Ramsey
    Dear Dave, I borrowed $30,000 from my aunt to buy a condo eight years ago. We had a deal that she would get her money back, plus a piece of the profits, when it sold. If there were no profits, she would get back her original $30,000. Recently the condo sold and I lost the money I put into it, plus my aunts money as well. I make good money and dont have any other debt, but Im a little resentful now that she wants me to pay her back. Do you have any suggestions? Christine Dear Christine, I dont...
  • Dave Says You Don't Need Babysitter for Your Money

    06/18/2013 10:43:00 AM PDT · by Kaslin · 1 replies
    Townhall.com ^ | June 18, 2013 | Dave Ramsey
    Dear Dave, My son has a $115,000 mortgage at 5.8 percent. He also has a home equity line of credit of $40,000 at 9 percent. Currently, he can get a 30-year loan at 3.5 percent, or a 15-year note at 2.75 percent. His take-home pay is between $70,000 and $80,000 a year, and these are his only debts. Should he combine the mortgages into one loan? Daniel Dear Daniel, First, I only recommend mortgages of 15 years or less. Now were looking at a 2.75 percent loan versus a 5.8 percent loan versus a 9 percent loan. I advise people...
  • Dave Says Say No to Mom

    05/22/2013 12:02:02 PM PDT · by Kaslin · 29 replies
    Townhall.com ^ | May 22, 2013 | Dave Ramsey
    Dear Dave, I live outside Houston with my wife and our 9-month-old daughter. I’ve received a job offer from a company on the other side of the city that would pay, with bonuses, $25,000 a year more than I’m currently making. This would require moving to a new house and away from our extended family. My wife wants to move because my mom can be a little overbearing. I understand how she feels, but I’m not certain I want to move or take a new job. What’s your advice? David Dear David, I’m not so sure this is a job...
  • Dave Says World Needs Stay at Home Moms

    06/05/2013 4:39:26 AM PDT · by Kaslin · 41 replies
    Townhall.com ^ | June 5, 2013 | Dave Ramsey
    I listen to you often and enjoy your radio show, but why dont you ever ask women to go to work? When a family is broke, and the woman is at home raising one child who is already in the fifth grade, why cant the wife get a second job? George Dear George, I think far too many ladies, in the name of paying for stuff they dont need, have left the household and the children for the workplace. Many of them didnt even want to do this; they just felt obligated to do it by people like you. There...
  • Dave Says Here Are the Necessities

    05/07/2013 1:48:10 PM PDT · by Kaslin · 9 replies
    Townhall.com ^ | May 7, 2013 | Dave Ramsey
    Dear Dave, Can you please define “necessities” in today’s world while trying to get out of debt and live on a budget? Matthew Dear Matthew, Whether you’re talking about the world today or 50 years ago, necessities haven’t changed. Necessities are still food, shelter, clothing, transportation and utilities. We’re talking about needs versus wants. The problem is that many people were never taught that there’s a difference between the two—a big difference. Most people have enough food to eat and a decent place to live. Those are necessities. I’m not talking about eating out or having a big, fancy house....
  • Dave Says: Work For the Extra Perks of College

    05/15/2013 9:36:40 AM PDT · by Kaslin · 28 replies
    Townhall.com ^ | May 15, 2013 | Dave Ramsey
    Dear Dave, I’m a stay-at-home mom now, and my husband brings home $2,600 a month. We’re trying to get out of debt, but we need more money coming in. I want to go back to work, but emotionally part of me feels like I should stay home with our 2-year-old daughter. What do you think? Kayla Dear Kayla, I understand the feelings involved, especially if you’ve spent all of your time home with your child. But don’t make the mistake of blaming the debt if you simply want to go back to work. You’re not a bad person if you...
  • Dave Says it Depends on the Kid

    04/30/2013 9:05:48 AM PDT · by Altariel · 17 replies
    Townhall.com ^ | April 26, 2013 | Dave Ramsey
    Dear Dave, My divorce will be final in a month, and I’ll have $100,000 when everything is over. I will also have $8,000 in credit card debt, and I’m currently unemployed. Do you have any suggestions to help me move forward? Meryl      Dear Meryl, The first thing I want you to do is raise your right hand and promise never to use credit cardsagain. Then, if you still have any of those awful things, I want you to cut them up and close out the accounts. The next step is for you to find some kind of income, whether it’s...
  • Dave Says She Stole His Identity

    04/30/2013 6:51:42 AM PDT · by Kaslin · 5 replies
    Townhall.com ^ | April 20, 2013 | Dave Ramsey
    Dear Dave, I’m following your plan, and currently I have $14,000 in my emergency fund. What are essentials for three to six months of expenses? Brian Dear Brian, Basically, you should ask yourself this question: What would it take to operate my household for a month? There are several different things that could be classified as “essentials,” but if you take those things and multiply the number by three, four, five or six, you’ll see how much money you need to have a fully loaded emergency fundof three to six months of expenses. This is Baby Step 3 in my...
  • Dave Says Serious Situations Call for Serious Action

    04/18/2013 9:45:28 AM PDT · by Altariel · 5 replies
    Townhall.com ^ | April 17, 2013 | Dave Ramsey
    Dear Dave, Ive been on medical leave from my job due to an injury. My doctor recently advised extending the leave another six months, but during this time I wouldnt be paid. My husband makes $75,000 a year, and we owe $40,000 on our cars. This includes a $30,000 note on one of them. Should we take money out of our 401(k) to make it through the additional time off? Crystal Dear Crystal, Absolutely not! You guys have dug a hole for yourselves, and borrowing from one place to fix another will only make that hole deeper. In cases like...
  • Dave Says Go Cheap on Date Night

    04/16/2013 8:48:10 AM PDT · by Altariel · 17 replies
    Townhall.com ^ | April 9, 2013 | Dave Ramsey
    Dear Dave, Is there ever a time you should dip into emergency fund savings in order to pay off your home early? Eric Dear Eric, The only time I would advise this is when your emergency fund is too big, and you have a very small amount left to pay on the house. Keep in mind that your emergency fund should be three to six months of expenses, not three to six months of income. Besides, paying off the house doesnt fall into the category of an emergency. The fact that you have to pay for your house doesnt catch...
  • Dave Says Credit Companies Don't Forgive Debt

    04/03/2013 8:19:06 AM PDT · by Altariel · 12 replies
    Townhall.com ^ | April 2, 2013 | Dave Ramsey
    Dear Dave, My younger sister moved to Atlanta, and she came to live with my husband and me a few months ago. Shes 19, has a job, and is attending a local college. But even though shes working, she hasnt said anything about helping out with utilities or paying rent. We dont need the money, but do you think its time for us to push her out of the nest so she can start living as an adult? Molly Dear Molly, The way youve described your little sister makes me think shes a pretty good kid. Shes doing all the...
  • Dave Says Set Daughter Up for Serious Money

    03/26/2013 9:53:33 AM PDT · by Kaslin · 11 replies
    Townhall.com ^ | March 26, 2013 | Dave Ramsey
    Dear Dave, My daughter is 14, and she was recently offered a steady weekend modeling job. Do you have any advice on how to handle the money she earns? Cynthia Dear Cynthia, In terms of investing some of the money she’ll make, a Roth IRA would be pretty cool. You would have to oversee it, of course, and you’d have to file a tax return, but starting something like this when she’s 14 would help set her up for some serious money later. I think the biggest thing, however, is to make sure you create lots of teachable moments for...
  • Dave Says Don't Over Buy

    03/12/2013 7:43:13 AM PDT · by Kaslin · 23 replies
    Townhall.com ^ | March 12, 2013 | Dave Ramsey
    Dear Dave, I want to buy an inexpensive car, and I was wondering what you think about salvage titles. Eric Dear Eric, It’s not impossible to find a decent salvage car. But I’d take extra precautions to find out exactly why it was salvaged. If it’s a salvage car because it was wrecked, I’d take a look at what kind of wreck caused the damage. Lots of people know how to repair and rebuild cars, so it might end up in better condition than before if you find the right mechanic. On the other hand, I’d probably walk away if...
  • Dave Says Sell the Stupid Cars, Love the Lovely In-Laws

    02/26/2013 2:31:01 AM PST · by Kaslin · 71 replies
    Townhall.com ^ | February 26, 2013 | Dave Ramsey
    Dear Dave, I’m 27 and married, and we have two kids. I make $90,000 a year, but we have $80,000 in consumer debt—$48,000 of which is in car loans. The rest is credit card debt. My wife’s parents have offered to let us move in with them so we can get out of debt faster. Do you think this is a good idea? Kevin Dear Kevin, If I were in your situation, I would not move in with the in-laws. You’ve got an absurd amount of money wrapped up in those cars. I’d sell the stupid things, start living on...
  • On Business Dave Says Be a Tortoise

    03/02/2013 5:58:08 AM PST · by Kaslin · 5 replies
    Townhall.com ^ | March 2, 2013 | Dave Ramsey
    Dear Dave, I’m a general contractor, and I was recently offered some business by a large corporation. I’d need new equipment to handle the job, and the purchase would use most of my cash flow. I’m wondering if the opportunity is worth the risk. Wayne Dear Wayne, I’m glad you realize that, on the surface, not all growth is good growth. The number-one thing that causes small businesses to fail is accounting and cash-flow problems. The second biggest thing is that they grow too quickly and fall in on themselves. Owners are sometimes scared to turn down anything, so they...
  • Dave Says Credit Cards and Car Debt are the Same

    03/06/2013 7:02:25 AM PST · by Kaslin · 79 replies
    Townhall.com ^ | March 6, 2013 | Dave Ramsey
    Dear Dave, My wife and I make $140,000 a year, and we’re working on our debt snowball. We’re almost out of debt, but we still have two small car payments and some credit card debt. She wants to get rid of the credit card debt but doesn’t mind us having car payments. Can you help me understand this? Kelly Dear Kelly, I’m not sure I understand her thinking either. The car payments and the credit card debt are the same thing. They’re both debt payments, and you’re being charged interest on both of them. The only difference is that one...
  • Dave Says Don't Fake Being Poor

    02/24/2013 9:26:07 PM PST · by Altariel · 30 replies
    Townhall.com ^ | February 20, 2013 | Dave Ramsey
    Dear Dave, What do you think about the practice of credit card churning? Ethan Dear Ethan, I think it's a pretty dumb idea. The concept is to run up the balance on one card as high as you can, then flip the balance from card to card in order to get perks like airline miles. But if you want to go through all the trouble and hassle over such a small amount of money, be my guest. I've met thousands of millionaires, and none of them have ever credited their success to credit card churning. Think about it: With all...
  • Dave Says More Than Just a Credit Card Problem

    02/13/2013 8:43:40 AM PST · by Kaslin · 8 replies
    Townhall.com ^ | February 13, 2013 | Dave Ramsey
    Dear Dave, My mother-in-law has a serious credit card problem. She can’t afford stuff, but she shops anyway, acquires more and more credit and thinks she’ll pay for it all later somehow. Her husband has bailed her out a few times, but he’s unwilling to do it anymore. My wife and I, and her sister, want to address this issue, but where do we start? Jonathan Dear Jonathan, First of all, you need to stay out of the discussion. This is something for her daughters to handle, and her husband needs to be part of it, too. He’s closer to...
  • Pickup Lines for the Ultimate Dave Ramsey Fan

    02/14/2013 11:44:30 AM PST · by CSM · 16 replies
    Dave Ramsey Website ^ | 2/14/2013 | Dave Ramsey Fans
    Our Valentine's Day tradition continues There are quite a few things in life that are more foolish and desperate than using the Dave Ramsey pickup lines to woo someonetaking an interest-only mortgage, going within 50 feet of a payday loan store, and buying lotto tickets, just to name a few. But while all of these actions are avoidable, February 14 is not. And if its Valentines Day, it must be time for Dave Ramsey pickup lines, that is. So without further ado, here they are: the sixth-annual list of Dave Ramsey pickup lines. If I had a dollar for...
  • Dave Says Hate Driving That Beater, But...

    02/05/2013 4:04:33 PM PST · by Kaslin · 19 replies
    Townhall.com ^ | February 5, 2013 | Dave Ramsey
    Dear Dave,Im looking at buying term life insurance. Currently, Im in medical school doing my last year of residency and making $35,000 a year. Should I base the amount of insurance coverage on what Im making now or what Ill make when Ive finished medical school? AmandaDear Amanda,In most cases, I advise basing the amount of life insurance coverage on the income youre earning at the moment. After all, thats the amount your family is used to living on, right? However, if youre finishing up your medical degree this year, its a virtual certainty youll earn lots more in 2014....
  • Dave Says On Business "a Ridiculously Bad Mistake

    02/02/2013 12:24:14 PM PST · by Kaslin · 10 replies
    Townhall.com ^ | February 2, 2013 | Dave Ramsey
    Dear Dave, My fiance has a small photography business, and she wants to form a partnership with a college student who is majoring in business. I think this is a bad plan, but Im pretty sure shes not going to listen to me. What do you think about the idea?BruceDear Bruce,A partnership is always a bad idea. Theres absolutely no upside for her, and if you feel theres nothing you can do to keep her from making such a ridiculously bad mistake, then you guys are going to have issues in your marriage, too. It sounds like shes looking for...
  • Dave Says Hold that Cash

    01/22/2013 7:27:28 AM PST · by Kaslin · 4 replies
    Townhall.com ^ | January 22, 2013 | Dave Ramsey
    Dear Dave, Recently, my husband had to quit his job due to an old back injury. We have $25,000 in debt, but Ill be receiving a $38,000 inheritance in a couple of weeks. Should we use the money to pay off our debt, or hold on to it in case he needs surgery?KristenDear Kristen,Now is the time to keep the cash piled high. Youre in the middle of an emergency, and that means you push the pause button on your Total Money Makeover and stop paying extra on debt. Surgery is a possibility at this point, plus you may need...
  • Dave Says Husband Should be a Man

    01/08/2013 8:34:25 AM PST · by Kaslin · 28 replies
    Townhall.com ^ | January 8, 2013 | Dave Ramsey
    Dear Dave, My daughter died. She was 32 years old and single, and she had lived with me for the last few years because she was recently disabled. I did not support her financially, and when she died she had no assets and no will. Is it my responsibility to pay the student loans and medical bills she left behind?JimDear Jim,Im so sorry youre experiencing this kind of grief. Losing a child is a heartbreaking experience, no matter their age.The short answer is this: If you didnt sign for it, youre not liable. If a friend were to move in...
  • On Business Dave Says

    01/07/2013 5:53:17 AM PST · by Altariel · 7 replies
    Townhall.com ^ | January 3, 2013 | Dave Ramsey
    Dear Dave, In your opinion, how do you know when a hobby officially becomes a business? Dan Dear Dan, This is a great question. But when it comes to something like this, my opinion doesnt matter nearly as much as what the Internal Revenue Service says. According to the IRS, if you run a business for two years or more without making a profit, then it is not a business. You have to become profitable at some point. Otherwise, the IRS will declare your endeavor a hobby. Personally, I think thats a pretty good marker. I mean, if youre making...
  • Dave Says Knock Out that Hospital Bill

    01/01/2013 8:04:29 AM PST · by Kaslin · 22 replies
    Townhall.com ^ | January 1, 2013 | Dave Ramsey
    Dear Dave, My wife and I are 70, and we have $950,000 in annuities in the market, plus $68,000 in our emergency fund. The only debt we have is our mortgage. Im considering converting our stocks to a money market account to lower the risk. What do you think?HowardDear Howard,There are two sides to this. One is the asset allocation method, where as you grow older you move away from equities like mutual funds toward safer, more conservative investments like money markets, bonds and certificates of deposit. This is standard financial planning theory.I disagree with that theory, and heres why....
  • Don't Allow Collectors Access to Your Money

    12/26/2012 7:57:58 AM PST · by Kaslin · 26 replies
    Townhall.com ^ | December 26, 2012 | Dave Ramsey
    Dear Dave, Im trying to help my son and daughter-in-law by encouraging them to get out of debt and live on a budget. It hasnt been a problem to give them money when theyve asked in the past, but Im afraid theyre still in a mess. How can I make sure Im doing the right thing?MargaretDear Margaret,The first thing you need to do is sit down and have a serious, loving talk with them. If theyve asked for money before, and it has become something of a trend, you have a right to know more about their circumstances. In addition,...
  • New Rage: Loan-Payoff Parties

    12/27/2012 11:14:55 AM PST · by Altariel · 32 replies
    Yahoo! ^ | December 26, 2012 | Kelly Greene | The Wall Street Journal
    When Cherie and Brian Lowe of suburban Indianapolis threw a party last spring, 150 well-wishers came bearing casseroles. This was no birthday or anniversary bash. Mr. Lowe, a lawyer, and Ms. Lowe, a stay-at-home mom, both 36 years old, were celebrating an accomplishment: paying off $127,482.30 in debt, mainly student loans. Partygoers came from as far as 200 miles away. Some had never met the Lowes but followed their quest through a blog called Queen of Free. Guests won prizes such as personal-finance books, museum passes and homemade cleaning supplies. One friend sang "Sallie Mae Is Not My Lender" to...
  • Dave Says Give Wisely at the Holidays

    12/18/2012 5:46:12 AM PST · by Kaslin · 5 replies
    Townhall.com ^ | December 18, 2012 | Dave Ramsey
    Dear Dave, Were debt-free except for our house, and thats on a 15-year, fixed-rate mortgage. We also have an emergency fund in place. Wed like to give back this year, and do some Secret Santa things and a little extra giving. At what point should we start giving over and above what we tithe?JeremyDear Jeremy,My advice would be to wait until you finish Baby Step 3, which it sounds like youve done. That way, youve paid off all of your debt, except the house, plus you have a fully-funded emergency fund of three to six months of expenses.You mentioned tithing,...
  • Dave Says Cash is Your Umbrella

    12/20/2012 8:46:52 AM PST · by Altariel · 2 replies
    Townhall.com ^ | December 11, 2012 | Dave Ramsey
    Dear Dave, Our son is graduating from high school next spring. Weve saved cash to pay for his first year of college, and we have enough in mutual funds to pay for another semester. When should we pull out the money to use for his education? Denise Dear Denise, I wouldnt touch the money until right before you write the checks. However, I dont want you to follow my advice just because I said so. My mutual funds have made a little more than 16 percent this year. If they stay at that pace, or if they make just 10...
  • 8 Lessons From Christmas Movie Characters (Dave Ramsey)

    12/20/2012 8:06:12 AM PST · by CSM · 15 replies
    Dave Ramsey Website ^ | December 2012 | Dave Ramsey
    Dont you just love Christmas movies? Few things can get us in the Christmas spirit like a good film, whether its a cheesy love story, holiday musical or a comedy. Theres just something about this time of year that makes movie watching so fun. With that in mind, we thought we would take a look at some of the more memorable characters from Christmas movies and ask the question: What can they teach us about money and success? Oh, you dont think you can learn anything from Buddy the Elf? Think again! Buddy the Elf (Elf) Famous Quote: Smiling is...
  • Dave Says Avoid Fix and Flip Fever

    11/20/2012 11:36:41 PM PST · by Altariel · 18 replies
    Townhall.com ^ | October 20, 2012 | Dave Ramsey
    Dear Dave, Im in a very fortunate position when it comes to my finances. Im 25, and I make $50,000 a year. Im also completely debt-free. In your opinion, when is it appropriate to let someone youre dating know about your financial situation? Anonymous Dear Anonymous, Wow, you are in a great position for someone so young. Im not sure how you got there, but it certainly wasnt by being dumb or immature. I think its only natural in a dating situation to reveal more about oneself as time passes and the relationship gets deeper and more serious. In my...
  • Dave Says When to Buy Those Season Tickets

    11/15/2012 6:45:23 AM PST · by Altariel · 12 replies
    Townhall.com ^ | November 13, 2012 | Dave Ramsey
    Dear Dave,My brother asked me to put his name on my credit card as an authorized user. He said it will help improve his credit score. Is this true, and would it help my score in any way?AnnaDear Anna,Your brother is wrong. It will not improve his credit score at all. As an authorized user, he is not the owner of the debt. Theres a high likelihood that it will affect your credit score in a negative way, though, because theres a good chance hell do some dumb things with your card. Look at it this way. Why would someone...
  • Dave Says That's a lot for a Wedding

    11/06/2012 6:23:05 AM PST · by Kaslin · 6 replies
    Townhall.com ^ | November 6, 2012 | Dave Ramsay
    Dear Dave, I recently got engaged. Is it okay for us to go ahead and combine finances and start working on a budget before we get married?AdamDear Adam,No, it is not okay to combine finances with anyone to whom youre not married. And by okay, I mean wise. Im happy that youve found love, but all kinds of things can happen before the rings are slipped onto your fingers.Im not wishing bad things on you, but what if you spend time paying off her debt, or vice versa, and then the relationship doesnt work out? Bringing finances into that kind...
  • Dave Says That's a lot for a Wedding

    11/05/2012 10:22:51 PM PST · by Altariel · 3 replies
    Townhall.com ^ | November 6, 2012 | Dave Ramsey
    Dear Dave,I recently got engaged. Is it okay for us to go ahead and combine finances and start working on a budget before we get married?AdamDear Adam,No, it is not okay to combine finances with anyone to whom youre not married. And by okay, I mean wise. Im happy that youve found love, but all kinds of things can happen before the rings are slipped onto your fingers. Im not wishing bad things on you, but what if you spend time paying off her debt, or vice versa, and then the relationship doesnt work out? Bringing finances into that kind...
  • On Business Dave Says Work Yourself Silly

    11/02/2012 2:45:49 PM PDT · by Kaslin · 4 replies
    Townhall.com ^ | November 2, 2012 | Dave Ramsey
    Dear Dave, My husband was laid off a few months ago. He has a degree in graphic design, and has been doing that ever since to make money. He made $6,000 during his best month, but only $300 during his worst. Im working with him on marketing now to get more clients, but in the meantime were not sure if we should also get part-time jobs, or push extra hard to make this business a success. Sharon Dear Sharon,From what youve told me, I think your best bet is to get out there and work yourselves silly to find more...
  • Dave Says Think Big to Be Rich

    10/31/2012 10:13:50 AM PDT · by Kaslin · 4 replies
    Townhall.com ^ | October 31, 2012 | Dave Ramsey
    Dear Dave, I got married in May, and my wife brought student loan debt into the marriage. I had some savings before the wedding, and I could pay this off immediately without putting us in a bind. But is this her debt, or should I look at it as our debt? Ernest Dear Ernest, Absolutely, you should view it as our debt. It came with the territory when you two walked down the aisle. A lot of people dont use the old-fashioned marriage vows anymore, but The Book of Common Prayer reads, for richer, for poorer, in sickness and...
  • Dave Says: Mutual Funds not Appropriate for Car Fund

    10/21/2012 8:10:08 PM PDT · by Altariel · 6 replies
    Townhall.com ^ | October 16, 2012 | Dave Ramsey
    Dear Dave,I have some bad marks on my credit report. Whats the best way to handle them?PatriciaDear Patricia,There can be three types of nasty items on your credit report. There are errors, which shouldnt be there at all. There are old payments that you paid late, and really, these are just a report of history. Then there are debts that have gone bad. This means you didnt pay them. If these are the types of items youre talking about, youll have to go back and clean them up. This will mean either making payment in full or settling them at...
  • Dave Says a Quick Fix is to Stop Eating Out

    10/09/2012 8:51:16 AM PDT · by Kaslin · 50 replies
    Townhall.com ^ | October 9, 2012 | Dave Ramsey
    Dear Dave,When it comes to taking control of your money and living on a budget, whats the biggest thing a family can live without?WillDear Will,There are always the shiny things people can do without. Sometimes people sell a fancy car or boat and get rid of a $600-a-month payment right off the bat. But on a regular, day-to-day basis, I think maybe the biggest and best thing you can amputate from your life is eating out.I love a good restaurant, and Ive got nothing against the industry. The problem, though, is that people are struggling to pay their bills or...
  • Dave Says Graduate with No Debt

    10/02/2012 3:06:32 PM PDT · by Kaslin · 9 replies
    Townhall.com ^ | October 2 | Dave Ramsey
    Dear Dave, Im in college with a full scholarship. I work part time and should be able to graduate with no debt. What can I do now to best utilize the money I make?TylerDear Tyler,Youre in a fantastic position right now. First, I think your main goal is to study hard and be 100 percent certain youre graduating on time with no money issues. The next thing is to make sure you have plenty of cash on hand to make the transition to the real world. In a case like this, transition can mean anything from moving to a new...
  • Dave Says Pick the Right Trustee

    09/25/2012 10:13:51 AM PDT · by Kaslin · 11 replies
    Townhall.com ^ | September 25, 2012 | Dave Ramsey
    Dear Dave, Im going through a divorce, and Im about to buy a $600,000 life insurance policy. My 9-year-old daughter would be the beneficiary. I need a trustee, but how do I pick a good one?MarieDear Marie,First, your daughter wouldnt be the beneficiary. You would leave it in a trust for her benefit. And Im not sure Id depend on an ex-husband to handle something that requires this much integrity. Youd be better off hiring a good attorney to execute the trust upon your death, or you can look for a bank that has a trust department.Once you decide on...
  • Those shocking bourgeois values

    09/24/2012 12:58:38 PM PDT · by Altariel · 5 replies
    NY Post ^ | July 29, 2012 | GLENN HARLAN REYNOLDS
    In one traditional form of pornography, from the Victorian A Man With a Maid to the more recent Fifty Shades of Grey, a young woman is initiated sometimes uncomfortably into the mysteries of adult sexuality. In the end she is, at some level at least, grateful for the new horizons thatve opened up to her. Well, we still have that. But lets face it porn has gotten pretty boring. The sex lives of many average Americans today would shock Grandma. And the depiction of sex in popular media has reached the numbing-point. A 2012 issue of Cosmo...