"));
DaveRamseyGuru.com is not affiliated with The Lampo Group Inc. or any other Dave Ramsey organization. DaveRamseyGuru.com nije povezan s Lampo Grupa dd ili bilo koje druge Dave Ramsey organizacija. The opinions expressed on this site are not endorsed by Dave Ramsey or any of its affiliates.” Mišljenja izražena na ovoj stranici nisu potvrđeni od strane Dave Ramsey ili bilo koje njegove podružnice. "

Dave Ramsey on Regulating Predatory Lending Dave Ramsey na reguliranje pljačkaški pozajmljivanje

September 10th, 2008 10 rujan 2008

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Dave Ramsey - Socializing the Mortgage Industry Dave Ramsey - druženje s hipotekom industrija

September 9th, 2008 9. rujan 2008

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Broke People Can’t Afford a Home. Razbio Ljudi ne mogu si priuštiti dom. Who Knew? Tko je znao?

August 27th, 2008 27. kolovoz 2008

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Grocery Game Namirnice Game

August 25th, 2008 25. kolovoz 2008

From the MiamiHerald.com … Od MiamiHerald.com ...

I was intrigued by an online resource, TheGroceryGame.com, that Gigi Lehman included in her May 15 story about saving money at the supermarket (find link at MiamiHerald.com/Food). Bio sam po intrigued online resursa, TheGroceryGame.com, da se Gigi Lehman uključeni u svojoj 15. Svibanj priča o štede novac u supermarketu (naći link na MiamiHerald.com / Hrana). She was enthused, so I signed up. Ona je enthused, pa sam se prijavio.

Two months later, I’ve more than gotten my money’s worth ($1 for a four-week trial, then $10 every eight weeks). Dva mjeseca kasnije, sam više nego stečen moj novac vrijedi ($ 1 za četiri tjedna suđenja, zatim $ 10 svaki osam tjedana).

Here’s how it works: The site tracks sale items — advertised and not — at your supermarket. Evo kako to radi: Web stranica predmeta prodaju pjesama - oglašenim, a ne - na vaš supermarket. (I could choose Publix, Winn-Dixie or Wal-Mart; you can pay extra for information on more than one store.) (Nisam mogla odlučiti Publix, Winn-južne države u Americi ili Wal-Mart, koji možete platiti za dodatne informacije o više od jedne trgovine.)

It also tracks coupons in the Sunday newspaper, and generates a weekly shopping list of the best buys — a two-for-one deal on paper towels, for example, on which you can save another $1 by using the coupon that ran three weeks ago. Također staze kupone u nedjelju novine, i generira tjedni shopping listu najboljih kupi - dvije za jedan dogovor na papiru ručnici, na primjer, na kojima možete uštedjeti drugi $ 1 putem kupona koja je tekla tri tjedna . (You quickly learn to save and date those sheafs of coupons.) (Brzo ćete naučiti za spremanje i datum te sheafs kupona.)

There are seldom more than a dozen things I want on the 50- to 75-item list, but the savings have been substantial: More than $80 on my best week and never less than $30. Tu su rijetko više od desetak stvari koje želim na 50 - 75-stavku popisa, ali ušteda je bitan: Više od $ 80 na tjedan i moje najbolje nikad manje od 30 dolara.

[FULL ARTICLE] [Opširnije]

TheGroceryGame.com TheGroceryGame.com

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IOUSA Movie - USA Needs a Total Money Makeover ASAP! IOUSA film - SAD treba Ukupno novac Makeover ASAP!

August 25th, 2008 25. kolovoz 2008

Wake up, America! We’re on the brink of a financial meltdown. Wake up, Amerika! Mi smo na ivici od financijskih topljenje jezgra nuklearnog reaktora.

I.O.U.S.A. Plakat filma

Download a full sized version of the movie poster Download pune veličine verziju filma plakat

IOUSA boldly examines the rapidly growing national debt and its consequences for the United States and its citizens. IOUSA smjelo ispituje nacionalni dug ubrzano raste i njegove posljedice po Sjedinjene Države i njenih građana. As the Baby Boomer generation prepares to retire, will there even be any Social Security benefits left to collect? Kao Baby Boomer generaciju priprema za penziju, pa će tu biti bilo kakvih pogodnosti socijalnog osiguranja lijevo prikupiti? Burdened with an ever-expanding government and military, increased international competition, overextended entitlement programs, and debts to foreign countries that are becoming impossible to honor, America must mend its spendthrift ways or face an economic disaster of epic proportions. Opterećeni sa sve širi i vojnih vlasti, povećana međunarodna natjecanja, raširen van normalnih prava programe, i dugovi stranim zemljama koje su postaje nemoguće čast, Amerika mora popraviti svoje putove rasipnik ili lice ekonomski katastrofa od ep razmjere.

Throughout history, the American government has found it nearly impossible to spend only what has been raised through taxes. Kroz povijest, Američka vlada je utvrdila da je gotovo nemoguće provesti samo ono što je uskrsnuo kroz poreze. Wielding candid interviews with both average American taxpayers and government officials, Sundance veteran Patrick Creadon (Wordplay) helps demystify the nation’s financial practices and policies. Wielding iskrene razgovore s obje prosječne američke porezne obveznike i vladinim dužnosnicima, Sundance veteran Patrick Creadon (riječi) pomaže demystify nacije financijskim pravilima i politikama. The film follows US Comptroller General David Walker as he crisscrosses the country explaining America’s unsustainable fiscal policies to its citizens. Film slijedi SAD Comptroller general David Walker je kao crisscrosses zemlje objašnjenjem America's neodrživ fiskalne politike za svoje građane.

With surgical precision, Creadon interweaves archival footage and economic data to paint a vivid and alarming profile of America’s current economic situation. Uz kirurški precizno, Creadon interweaves arhivski snimak i gospodarske podatke bojite jedan jasan i alarmantna profil America's trenutnu ekonomsku situaciju. The ultimate power of IOUSA is that the film moves beyond doomsday rhetoric to proffer potential financial scenarios and propose solutions about how we can recreate a fiscally sound nation for future generations. Krajnji moć IOUSA je da je film pokrete izvan sudnji dan retorika za ponuditi financijski potencijal scenarija i predložiti rješenja kako bismo mogli kreirati jedan fiscally zvuka naroda za buduće generacije.

Pointedly topical and consummately nonpartisan, IOUSA drives home the message that the only time for America’s financial future is now! Zajedljivo aktuelno i potpuno nepristran, IOUSA diskovi doma poruku da je jedini put za America's financijska budućnost je sada!

Bonus Quotes from the movie … Bonus Izreke iz filma ...

Dave Walker on Debt to GDP Projections … Dave Walker na dugom u BDP-projekcije ...

Deficits and Social Security … Deficiti i socijalna sigurnost ...

Warren Buffett on the Trade Decifit … Warren Buffett na Trgovina Decifit ...

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Which senators have no mortgage? Koji senatorima nemaju hipoteku?

June 24th, 2008 24. lipanj 2008

This really doesn’t tell us if they are totally debt-free, but interesting nonetheless to see for which Senators, the paid off home mortgage has taken the place of the BMW (doubtful). To stvarno ne nam reći ako oni su potpuno bez duga, ali ipak zanimljivo za vidjeti za koje Senators, otplaćen je hipoteka kuće je uzeo mjesto na BMW (sumnjiv).

Senators and members of Congress do not have to disclose anything about their home mortgages — not how much they borrowed, from whom they borrowed it or what interest rate they paid. Senatorima i članovima Kongresa, ne morate otkriti ništa o svojoj kući hipoteka - ne koliko su posuđene, od kojih su posuđene ili što kamatne stope su plaćeni.

But amid allegations that Countrywide Financial Corp. offered special mortgage deals to two senators, it’s suddenly useful to know who has been lending money to the members of the greatest deliberative body in the world. Ali među tvrdnje da Countrywide Financial Corp ponudio posebne ponude hipoteka na dvije senatorima, ona je iznenada korisno znati tko je pozajmljivanje novca za članove od najvećih savjetodavni tijelo u svijetu.

The Senate Ethics Committee has already launched an investigation into the preferential treatment afforded to the two senators in question, Chris Dodd (D-Conn.) and Kent Conrad (DN.D.), and leading Republicans in the House have called for a wider investigation into whether other lawmakers received any discount rates on their mortgages. Odbor za etiku u Senatu već je pokrenuta istraga u povlašteni tretman afforded na dva senatorima u pitanju, Chris Dodd (D-Conn.) i Kent Conrad (DN.D.), i vodeći u Republikanci su se zove Kuća za širi istragu je li bilo koje druge lawmakers primio stope popusta na njihove hipoteka.

Although senators are not required to disclose information about their mortgages, Politico put the question to them. Iako senatorima nisu potrebni otkriti podatke o svojim hipoteka, političko pitanje staviti na njih. Earlier this week, Politico staffers called every Senate office and asked for the answers to three questions: Ranije ovog tjedna, političar staffers pozvao Senat svakom uredu i zamolio za odgovore na tri pitanja:

  1. Who is the senator’s home mortgage lender (or lenders, if the senator has more than one residence)? Tko je senator's home hipotekarni vjerovnik (ili zajmodavce, ako je senator ima više od jednog prebivališta)?
  2. Whom did the senator contact to arrange the loan? Koga su senator kontaktirati i dogovoriti kredita?
  3. Did the senator receive any special terms? Da li je senator primati nikakve posebne uvjete?

This chart reflects the answers received as of Tuesday, June 24, 2008 at 6 PM EST. Ovaj grafikon prikazuje primila odgovore od Utorak, 24. lipnja 2008 u 6 pm EST. It will be updated as more arrive. To će se ažurirati kako se više stigne.

The early line: A substantial number of senators — being on average older and wealthier than the US population — don’t have mortgages at all. Rani linija: Znatan broj senatorima - koji se u prosjeku starija i wealthier od US stanovništva - nemaju hipoteka na sve.

[Check on your Senator here.  Note: Lots failed or refused to comply with the information request.  Shocking.] [Provjerite vaše senatora na ovdje. Napomena: Mnogo je propustio ili je odbila da u skladu s podacima zahtjeva. Šokantan.]

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10 Rules for Being Human 10 Pravila za ljudska

June 23rd, 2008 23. lipanj 2008

10 Rules for Being Human 10 Pravila za ljudska

by Cherie Carter-Scott by Cherie Carter-Scott

1. 1. You will receive a body. Primit ćete tijelo. You may like it or hate it, but it’s yours to keep for the entire period. Vi svibanj sviđa ili mrziti, ali to je tvoje da bi za cijeli period.
2. 2. You will learn lessons. Vi ćete naučiti lekcije. You are enrolled in a full-time informal school called, “life.” Vi ste upisani na puno radno vrijeme neformalnih škola zove "život".
3. 3. There are no mistakes, only lessons. Nema grešaka, samo lekcije. Growth is a process of trial, error, and experimentation. Rast je proces suđenja, pogrešku, i eksperimentiranje. The “failed” experiments are as much a part of the process as the experiments that ultimately “work.” The "failed" eksperimenata koliko su dio tog procesa, kao eksperimenata koji u konačnici "posao".
4. 4. Lessons are repeated until they are learned. Lekcije se ponavljaju dok su naučili. A lesson will be presented to you in various forms until you have learned it. Sat će se predstaviti vam u razne oblike dok ste ga naučili. When you have learned it, you can go on to the next lesson. Kada ste naučili, možete ići na sljedeći sat.
5. 5. Learning lessons does not end. Učenje sate ne kraju. There’s no part of life that doesn’t contain its lessons. Nema dio života koji ne sadrže svoje sate. If you’re alive, that means there are still lessons to be learned. Ako ste živ, to znači da još uvijek postoje lekcije se saznaje.
6. 6. “There” is no better a place than “here.” When your “there” has become a “here”, you will simply obtain another “there” that will again look better than “here.” "Tamo" nije bolje mjesto nego "ovdje." Kada se "tamo" je postala "ovdje", jednostavno ćete dobiti neki drugi "tamo", da će opet izgledati bolje nego "ovdje."
7. 7. Other people are merely mirrors of you. Ostali ljudi su samo ogledala od vas. You cannot love or hate something about another person unless it reflects to you something you love or hate about yourself. Ne možete ljubiti ili mrziti nešto o nekoj drugoj osobi, osim ako to odražava na nešto što volite ili mrzite o sebi.
8. 8. What you make of your life is up to you. Što napraviti od svog života je na vama. You have all the tools and resources you need. Imate sve alate i sredstva koja vam je potrebna. What you do with them is up to you. Što učiniti s njima je do vas. The choice is yours. Izbor je vaš.
9. 9. Your answers lie within you. Vaše odgovore ležati u roku od vas. The answers to life’s questions lie within you. U odgovorima na pitanja života ležati u roku od vas. All you need to do is look, listen, and trust. Sve što trebate učiniti je gledati, slušati, i povjerenja.
10. 10. You will forget all this. Ti će zaboraviti sve ovo.
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FBI Operation Malicious Mortgage to the Rescue - The Government Protecting You Now FBI operacija zlonamjernog hipoteka na Rescue - Vlada štiteći vas sada

June 19th, 2008 19. lipanj 2008

http://www.mtgfoundation.com/wp-content/uploads/2006/11/florida-mortgage-293.jpg

The government is here to save the universe and has a catchy operation name to boot.  Watch out, here comes Operation Malicious Mortgage to the rescue! Vlada je ovdje da biste spremili svemira i ima privlačan rad naziv za dizanje. Pazi, ovdje se dogodi Operacija zlonamjernog hipoteka do spašavanja!

From March 1 to June 18, 2008, Operation Malicious Mortgage resulted in 144 mortgage fraud cases in which 406 defendants were charged. Od 1. ožujka do lipnja 18, 2008, Operacija zlonamjernog hipoteka rezultiralo 144 hipoteku prevare 406 predmeta u kojima su okrivljenici terete. Yesterday, 60 arrests were made in mortgage fraud-related cases in 15 districts. Jučer, 60 uhićenih bili su u vezani za hipotekarna prijevara slučajevima u 15 okruga. Charges in Operation Malicious Mortgage cases were brought in every region of the United States and in more than 50 judicial districts by US Attorneys’ Offices based upon the law enforcement and investigative efforts of participating law enforcement agencies. Pristojbe u operaciji zlonamjernog hipoteka slučajeva su u svakom području SAD-a u više od 50 pravosudnih općina po Odvjetnici US uredi temelji na provedbu zakona i istražne naporima agencija za provedbu zakona učestvuju. The FBI estimates that approximately $1 billion in losses were inflicted by the mortgage fraud schemes employed in these cases. U FBI procjenjuje da je oko 1 milijarde dolara u gubitke nanijeli su uz hipoteku prevare sheme zaposleni u tim slučajevima.

[FULL REPORT] [Potpuno izvješće]

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The Old Credit Cards in the Ice Block Trick … Stara kreditnim karticama u blok leda trik ...

June 16th, 2008 16. lipanj 2008

Before I discovered Dave Ramsey , I used to try games like this one described by the Consumerist today.   The gist is that you freeze your credit cards in a block of ice, so they will be hard to get to when you want to use them.  Yea, right. Prije nego što sam otkrio Dave Ramsey, ja se pokušati igrama poput ove opisane u Consumerist danas. U suština je da se zamrzne Vaše kreditne kartice u blok leda, tako da će biti teško doći do kada želite koristiti. Da, u pravu.

Maybe this works for some folks, but today, I don’t play with snakes. Možda to radi nekih ljudi, ali danas, ne igraju s zmije.

I remember deciding to get my card out of the ice block one time, I took ice block with me to the shower and melted it out while I got ready to go out and use it.  Didn’t slow me down even 30 seconds, since I had to shower anyway.  Pitiful. Sjećam odlučujući da se moje kartice iz led blokirati jedno vrijeme, uzeo sam leda blok sa mnom na tuš i rastopljeni ga dok sam spremna za izlazak i koristiti ga. Nije mi se sporo čak 30 sekundi, od Morao sam svejedno tuš. Mizeran.

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‘Gas Men’ give out Benjamin Franklins to fed up motorists. 'Gas Muškarci' ponestati Benjamina Franklins da dojaditi motorists. These guys must be on Dave Ramsey’s Step 7! Ovi momci moraju biti na Dave Ramsey's Korak 7!

June 14th, 2008 14. lipanj 2008

http://www.super-energy.com/userfiles/supergasman.jpg

Mysterious ‘Gas Men’ dole out cash at the pumps Tajanstveni 'Gas Muškarci' razdijeliti gotovine na pumpe

PLAINVILLE, Conn. (AP) — They don’t climb tall buildings in a single bound, but the mysterious “Gas Men” are super heroes to some fed-up motorists. PLAINVILLE, Conn (AP) - Ne uspon visokim zgradama u jednoj svezana, ali je misteriozni "Plin muškarci" se super junaci na neki hranio se motorists. The unknown duo were dressed in sunglasses, baseball caps, khakis and matching green golf shirts when they gave Gayle Kilburn a $100 bill on Thursday as she filled up her car at a Citgo in Plainville. U nepoznato duo bili odjeveni u sunčane naočale, bejzbol kape, khakis i odgovara zeleni golf košulje kad su dali Gayle Kilburn novčanicu od $ 100 u četvrtak kako je popunio njezinu automobilu na Citgo u Plainville.

They also handed her a card that read “Re-Fueling Our Community” and was signed “The Gas Men.” Oni su joj ruku karticu da čitati "Re-Fueling Naše zajednice", te je potpisan "benzinske muškarci."

Kilburn says she was stunned by the gesture and at first thought it was a stunt with Monopoly money. Kilburn kaže ona je zapanjen od gesta i na prvi mislio to je bio štos sa Monopol novac. She later realized it was real cash and used it to fill her tank. Ona je kasnije shvatio da je pravi novac i koriste ga kako bi joj ispuniti tenk.

She said the Gas Men also helped five or six other customers. Ona je rekla na plin Muškarci također pomogao pet ili šest drugih kupaca.

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