"));
DaveRamseyGuru.com is not affiliated with The Lampo Group Inc. or any other Dave Ramsey organization. DaveRamseyGuru.com不隶属的Lampo集团或任何其他戴夫拉姆齐组织。 The opinions expressed on this site are not endorsed by Dave Ramsey or any of its affiliates.”表达的意见本网站并不赞同戴夫拉姆齐或其任何分支机构。 “

Dave Ramsey on Regulating Predatory Lending 戴夫拉姆齐调节掠夺性贷款

September 10th, 2008 2008年9月十日

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Dave Ramsey - Socializing the Mortgage Industry 大卫拉姆齐-社交按揭业

September 9th, 2008 2008年9月9日

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Broke People Can’t Afford a Home. 打破人们买不起主页。 Who Knew? 谁知道?

August 27th, 2008 2008年8月27日

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Grocery Game 杂货博弈

August 25th, 2008 2008年八月25日

From the MiamiHerald.com … 从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).我很好奇一个网络资源, TheGroceryGame.com ,这梁咏琪雷曼包括在5月15日她的故事存钱在超市(找到链接MiamiHerald.com /食品) 。 She was enthused, so I signed up.她热情,所以我签订了协议。

Two months later, I’ve more than gotten my money’s worth ($1 for a four-week trial, then $10 every eight weeks).两个月后,我已经超过得到我的钱的价值( 1美元为四个星期的审讯,然后10美元每8个星期) 。

Here’s how it works: The site tracks sale items — advertised and not — at your supermarket.其工作原理如下:网站跟踪销售项目-刊登广告,而不是-在你的超级市场。 (I could choose Publix, Winn-Dixie or Wal-Mart; you can pay extra for information on more than one store.) (我可以选择Publix ,温迪克西或沃尔玛,你可以支付额外的信息不止一个商店。 )

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.它还轨道券在周日的报纸,每周产生一个购物清单的最佳购买-两为一交易纸巾,例如,您可以再节省1美元用券了3个星期前。 (You quickly learn to save and date those sheafs of coupons.) (您迅速了解保存和日期这些sheafs的优惠券。 )

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.很少有十多家的事情我想在50 -7 5个项目的名单,但节省了大量的:超过8 0美元对我最好的一周,并没有低于3 0美元。

[FULL ARTICLE] [全文]

TheGroceryGame.com TheGroceryGame.com

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IOUSA Movie - USA Needs a Total Money Makeover ASAP! IOUSA电影-美国需要一个总资金尽快改变!

August 25th, 2008 2008年八月25日

Wake up, America! We’re on the brink of a financial meltdown. 醒醒吧,美国! 我们正处在边缘的金融崩溃。

I.O.U.S.A.影片海报

Download a full sized version of the movie poster 下载全尺寸版本的电影的海报

IOUSA boldly examines the rapidly growing national debt and its consequences for the United States and its citizens. IOUSA大胆地审查了快速增长的国家的债务和其后果对美国和它的公民。 As the Baby Boomer generation prepares to retire, will there even be any Social Security benefits left to collect?随着婴儿潮一代即将退休,将有甚至是任何社会保障福利留下来收集? 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.背负着一个日益扩大的政府和军队,国际竞争加剧,过度的权利程序,对外国债务的国家,正在成为不可能的荣誉,美国必须改善其挥金如土的方式,否则将面临一场经济灾难的史诗的地步。

Throughout history, the American government has found it nearly impossible to spend only what has been raised through taxes.纵观历史,美国政府已经发现它几乎是不可能的花费只有已通过税收筹集。 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.坦率地挥舞着采访这两个平均美国纳税人和政府官员,圣丹斯老将帕特里克Creadon (语)的神秘性有助于国家财政的做法和政策。 The film follows US Comptroller General David Walker as he crisscrosses the country explaining America’s unsustainable fiscal policies to its citizens.影片如下美国总审计长大卫沃克,他crisscrosses国家解释美国的不可持续的财政政策,其公民。

With surgical precision, Creadon interweaves archival footage and economic data to paint a vivid and alarming profile of America’s current economic situation.随着外科手术的精度, Creadon interweaves档案影片和经济数据,描绘出生动的形象和令人震惊的美国当前的经济形势。 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.最终的权力IOUSA的是,影片超越世界末日的言论,以proffer潜在的金融情况,并提出解决方案,我们如何能够重新建立一个健全的国家财政为子孙后代。

Pointedly topical and consummately nonpartisan, IOUSA drives home the message that the only time for America’s financial future is now! 突出主题, consummately党派,家里IOUSA硬盘的信息,唯一的时间,美国的财政前景是现在!

Bonus Quotes from the movie …红利竞标的电影...

Dave Walker on Debt to GDP Projections …大卫沃克债务与国内生产总值的预测...

Deficits and Social Security …赤字和社会保障...

Warren Buffett on the Trade Decifit …巴菲特贸易Decifit ...

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Which senators have no mortgage? 其中参议员没有抵押?

June 24th, 2008 2008年6月二十四日

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).这确实并没有告诉我们,如果他们是完全没有负债,但有趣的还是看到这些参议员,在付清房屋抵押贷款已采取的地点宝马(怀疑) 。

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.参议员和国会议员没有透露任何关于他们的住房抵押贷款-没有多少钱借来的,从他们借来的,或者什么利息支付。

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.但是,由于指控,全国金融公司提供的特别贷款协议,两位参议员,它突然有益知道是谁已经贷款的成员最大的审议机构,在世界上。

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.参议院道德委员会已经发起了一项调查,给予优惠待遇的两位参议员的问题时,克里斯多德( D-Conn. )和康拉德( DN.D. ) ,并导致共和党在众议院还呼吁更广泛的调查是否有其他议员收到任何折扣率的贷款。

Although senators are not required to disclose information about their mortgages, Politico put the question to them.虽然参议院并不需要披露有关其抵押贷款,把政治问题给他们。 Earlier this week, Politico staffers called every Senate office and asked for the answers to three questions:本星期早些时候,政治工作人员要求每个参议院办公室和要求解答三个问题:

  1. Who is the senator’s home mortgage lender (or lenders, if the senator has more than one residence)?谁是本长达957页的住宅按揭贷款(或贷款,如果参议员有一个以上的居住) ?
  2. Whom did the senator contact to arrange the loan?谁参议员联系,以安排贷款?
  3. Did the senator receive any special terms?难道参议员收到任何特殊的条件?

This chart reflects the answers received as of Tuesday, June 24, 2008 at 6 PM EST.此图反映收到的答复星期二, 2008年6月24号在美国东部时间下午6点。 It will be updated as more arrive.这将是更新,更到达。

The early line: A substantial number of senators — being on average older and wealthier than the US population — don’t have mortgages at all. 早期行:相当多的参议员-目前的平均年龄较富裕的比美国人口-没有在所有抵押贷款。

[Check on your Senator here.  Note: Lots failed or refused to comply with the information request.  Shocking.] [请您在这里参议员。注:许多失败或拒绝遵守信息的要求。冲击。 ]

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10 Rules for Being Human 10个规则作为人权

June 23rd, 2008 2008年6月23日

10 Rules for Being Human 10个规则存在人权

by Cherie Carter-Scott 由雪莉卡特斯考特

1. 1 。 You will receive a body.您将收到一个机构。 You may like it or hate it, but it’s yours to keep for the entire period.您可能会喜欢它或恨它,但它使你的整个时期。
2. 2 。 You will learn lessons.您将吸取经验教训。 You are enrolled in a full-time informal school called, “life.”您正在进入一个全职的非正规学校称为“生命” 。
3. 3 。 There are no mistakes, only lessons.有没有犯错误,只有教训。 Growth is a process of trial, error, and experimentation.生长是一个过程的审判,错误和试验。 The “failed” experiments are as much a part of the process as the experiments that ultimately “work.”在“失败”的实验有很大一部分的过程作为试验,最终“工作。 ”
4. 4 。 Lessons are repeated until they are learned.经验教训反复进行,直至他们的经验教训。 A lesson will be presented to you in various forms until you have learned it.一个教训将提交给您以各种形式,直到你有教训。 When you have learned it, you can go on to the next lesson.当你有教训,你可以去下一个教训。
5. 5 。 Learning lessons does not end.吸取经验教训并没有结束。 There’s no part of life that doesn’t contain its lessons.没有生活的一部分,不包含其经验教训。 If you’re alive, that means there are still lessons to be learned.如果你还活着,这意味着仍然有经验教训。
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.” “目前”没有更好的地方比“这里。 ”当你“有”已成为“这里” ,你将只是获得了一个“有” ,将再次期待优于“在这里。 ”
7. 7 。 Other people are merely mirrors of you.其他人只是反映了你。 You cannot love or hate something about another person unless it reflects to you something you love or hate about yourself.你可以不爱或者恨谈谈另一个人,除非它反映了你的东西你爱或恨的自己。
8. 8 。 What you make of your life is up to you.你让你的生命是由您决定。 You have all the tools and resources you need.您所有的工具和资源,您所需要的。 What you do with them is up to you.你这样做与他们就看您的了。 The choice is yours.一切由您选择。
9. 9 。 Your answers lie within you.您的答案在于你。 The answers to life’s questions lie within you.这些问题的答案对生命的问题,属于你。 All you need to do is look, listen, and trust.所有您需要做的是看,听,和信任。
10. 10 。 You will forget all this.你会忘记这一切。
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FBI Operation Malicious Mortgage to the Rescue - The Government Protecting You Now 美国联邦调查局运作的恶意抵押贷款救援-政府保护你现在

June 19th, 2008 2008年6月19日

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!政府正在这里保存宇宙有一个醒目的名字,以行动启动。小心,这里来运行恶意抵押贷款救援!

From March 1 to June 18, 2008, Operation Malicious Mortgage resulted in 144 mortgage fraud cases in which 406 defendants were charged. 从3月1号至6月18日, 2008年, 按揭证券恶意行动导致144抵押贷款欺诈案件中, 406名被告被指控。 Yesterday, 60 arrests were made in mortgage fraud-related cases in 15 districts. 昨天, 60个逮捕了在抵押贷款欺诈有关的案件在15个县。 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. 收费运行恶意抵押贷款情况下被带到每一个地区的美国和50多个司法区的联邦检察官办公室根据执法和调查所作的努力参与执法机构。 The FBI estimates that approximately $1 billion in losses were inflicted by the mortgage fraud schemes employed in these cases. 美国联邦调查局估计,约10亿美元的损失是造成抵押贷款骗局受雇于这些案件。

[FULL REPORT] [报告全文]

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The Old Credit Cards in the Ice Block Trick … 旧的信用卡在冰块帽子戏法...

June 16th, 2008 2008年6月16日

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.在我发现大卫拉姆齐 ,我曾经尝试这样的比赛一所描述的消费今天。的要点是,你冻结您的信用卡在冰块,所以他们将很难去当你想要使用它们。是啊,正确的。

Maybe this works for some folks, but today, I don’t play with snakes.也许这个工程的一些人,但今天,我不玩蛇。

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.我还记得决定让我的卡出冰块有一段时间,我把冰块与我的淋浴和融化它,而我愿意去使用它。没有我缓慢甚至下降30秒,因为我不得不反正淋浴。可怜。

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‘Gas Men’ give out Benjamin Franklins to fed up motorists. '煤气男子给出了本杰明Franklins以厌倦了驾驶。 These guys must be on Dave Ramsey’s Step 7! 这些家伙必须戴拉姆齐的第7步!

June 14th, 2008 08年6月14号

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

Mysterious ‘Gas Men’ dole out cash at the pumps 神秘的'气男子发放现金泵

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 ,康涅狄格州(美国) -他们不爬高楼在一个单一的约束,但神秘的“男人气”的超级英雄的一些加了驾驶。 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.未知两人身穿墨镜,棒球帽,卡其和匹配绿色高尔夫衬衫时,他们给盖尔基尔本100美元的法案周四她填补了她的车在西提戈在Plainville 。

They also handed her a card that read “Re-Fueling Our Community” and was signed “The Gas Men.”他们还递给她一张卡片,上面写着“再加油我们的社区” ,并签署了“男人的气。 ”

Kilburn says she was stunned by the gesture and at first thought it was a stunt with Monopoly money.基尔本说,她感到震惊的姿态,首先认为这是一个特技与垄断钱。 She later realized it was real cash and used it to fill her tank.后来她意识到这是真正的现金,并用它来填补她的坦克。

She said the Gas Men also helped five or six other customers.她说,煤气男子还帮助五六年其他客户。

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