...Dave Ramsey is an author and radio host, who has made a brand for himself by counseling those who are under the burden of financial stress. He built himself back up after losing everything, because he had so much real estate debt. He tried to gain as much knowledge as he could about how to handle money by reading and interviewing those who were successful at it. He ended up writing the book Financial Peace based on what he had learned in his own experience and research. Following the success of that book, he started a local radio show called “The Money Game,” which is now nationally known as “The Dave Ramsey Show.” His company, The Lampo Group, now boasts 6 best-sellers on the New York Times, Wall Street Journal, and Publisher Weekly lists. Their mission statement is "The Lampo Group provides biblically based, common-sense education and empowerment that gives HOPE to everyone in every walk of life" (Lampo Licensing, LLC, 2015). From the their listeners to their readers to the graduates of their Financial Peace University classes, this company cares about the financial success of their consumers (Lampo Licensing, LLC, 2015)....
Words: 966 - Pages: 4
...Dave Ramsey Baby steps My favorite Financial system is Dave Ramsey's baby steps system. I like how it really can apply to anyone not just people in debt. So really anyone can utilize this system and help make their financial life seem like less of a burden. It starts with an emergency fund. We will all have rainy days in our lives so what better way to be prepared for them than to well prepare for them. He starts by saying have at least $1,000 on standby for emergencies. This was very important to me especially when I became vehicle owner. Some vehicles are unpredictable and you never know when something may or may not go wrong. I remember my first car which was a hand me down from my parents that I actually still have. It's a 1992 Nissan 240sx and yes it may look cool but it had over 300,000 miles on it and a few months ago it needed a transmission which costed me about $900. had no Idea or indication that it would go out it just randomly happened. So yes that experience definitely taught me that it is good to have some sort of money cushion on standby just in case things happen. The next step that I found as a favorite was the using the “debt snowball” method to pay off all debt at an accelerated rate. I have only really owed money for one thing and I did use this method after hearing about it and actually got my item payed for a lot faster using it. It really does help a lot when you pay more than the minimum even as low as maybe a few dollars extra each month. It took...
Words: 667 - Pages: 3
...Dave Ramsey is some I look at as a real life hero. Ramsey is an American businessman, author, motivational speaker, Etc. He helps people out with financial problems. Dave wasn’t always someone who helps others; it wasn’t until he experiences himself. Dave started off as a young realtor with a portfolio worth more than $4 million. With all that money coming in he bought himself and his wife fancy jewelry, nice cars, fancy dinners, and exotic vacations. It wasn’t until 1986 when the Tax Reform Act came into place that he financially in debt. He had to file for bankruptcy when a large bank who bought of his creditors ask for $1.2 million than after that another bank demand $800k. After recovering from his financial debt, he started counseling...
Words: 281 - Pages: 2
...home. Still others live frugally because their current income demands it. If you count yourself among those who’ve jumped on the frugal bandwagon, take heart. Living frugally doesn’t have to be a chore if you follow these four tips. 1. Practice Money Management It’s nearly impossible to get control of your finances without putting together a serious budget and sticking to it, according to The Balance. Taking this step shows you exactly where your money goes. Specifically, there are some things in your budget that you’ll want to take a look at like your debt repayment plan. Debt in particular can prevent you from living frugally because you’re spending extra money on debt and possibly losing money on high interest rates. As money guru, Dave Ramsey points out in his book "The Total Money Makeover," you need to tell...
Words: 707 - Pages: 3
...detail on how to get there. This course has helped me in the area of financial peace, college written, and spiritual growth. Having financial peace should be the goal of everyone but knowing how to obtain it is a quest of it on. Financial Peace University is the way to go because they have everything that anybody would need at the click of your mouse. Before I took this course I search Google high and low on how to work a budget. FPU have what they call a quickie budget form that start off someone that might not have never did a budget this way a real budget want seem so overwhelming. The biggest problem that most individual have in obtaining financial peace is procrastination like “we will start budgeting after we get the big screen TV.” Dave Ramsey is now my new found friend he said some things to me that needed to be said. The word budget holds a lot of weight because it pertains to discipline. Discipline is defined as self-control something that most people don’t want to deal with. Having a good budget is like having your own private police that lets you know if you are breaking the law or not. Martin Luther King said, “The ultimate measure of a man is not where he stands in moments of comfort and convenience, but where he stands at times of challenge and controversy.”It is best to have control over your financial affairs then they have control over. As we travel on this journey to succeed own...
Words: 612 - Pages: 3
...JonBenet Ramsey was a very beautiful pageant girl who died December 25,1996. Her case was never solved and it has been twenty years. The belief of this case has been unsolved for multiple reasons.According to deep research she found in the wine cellar of the family house taped up with a fractured skull. They found a suppose it ransom note,but they couldn’t find any DNA on the note.Also in that ransom note they say it's similar to the mother’s handwriting in the note and the sharpie came from the house. They found the murder weapon to be a flashlight and she was battered with it. As well as seeing the evidence lead up to no clues on her murder,but they found the range of how she was hit and they believed it was a young child. Also in the intense they couldn’t find any true evidence if it was true. Her brother was most under investigation, because he had a pure hate it for his sister. They had to investigate 140 people who could be the actually suspect in the crime. The case took so long they had to move the case to the FBI,because the family thought the police wasn’t working hard enough. Her brother had a complex issues with himself and he wanted he sister gone. The evidence found couldn’t define it was him or not they felt a hunch that could have been him that night....
Words: 488 - Pages: 2
...JonBenet Ramsey is a six year old girl who lived in Boulder, Colorado. She was reported missing on a cold Christmas morning by her mother Patsy Ramsey. That night a caller reported a scream and a hard clash against the concrete from the house. Police received the call around 5:30 A.M claiming the JonBenet was taken from their home and the kidnapper had left a ransom note stating that they needed $118,000 or they were going to kill the child. The note was found on the staircase closest to JonBenets room. The kidnapper wrote that they would call at exactly 8 A.M to 10P. M. The detective that was sent to the house arrived precisely at 8:10 A.M sharp to monitor the call. Time Elapsed as the detective and the two parents waited eagerly for the call, but...
Words: 503 - Pages: 3
...day of christmas her mother and father were up packing because they were going on a trip. Mrs. Ramsey had went to her room to wake her up too pee and she wasn’t in her bed so, soon as she knew she was missing she went to call the police. They had found a ransom note on the stairs telling them about the killing and what they wanted from them. When the police arrived they asked questions and they told them to search the house top to bottom.How did the dad know to go check the basement first? Good questions i think he knew where the body was the whole time and it took them eight hours to find her. They brought body out of the basement up to the living room where everyone was and laid the body on the ground....
Words: 724 - Pages: 3
...5).Timeline: 12/25/1996, approx. 10pm- JonBenet last scene alive by Patsy Ramsey. 12/26/1996- Ramsey parents say they were not awaken at any point during the night. 12/26/1996, approx. 12am- Neighbor says he saw people creeping around in the kitchen of the Ramsey household. 12/26/1996, approx. 2am- Neighbor, Melody Stanton, said she heard a scream. 12/26/1996, approx. 5:30am- Ramsey parents wake up, take showers, get dressed, and Patsy goes down the back stairs to the kitchen. 12/26/1996, approx. 5:45am- Patsy finds the ransom note on the back staircase. She reads the first few lines and figures out that JonBenet has been “kidnapped”. She runs up to JonBenet’s bedroom and screams. 12/26/1996, approx. 5:50am- Patsy and John go to Burke’s bedroom and see that he is still sleeping. 12/26/1996, 5:52am- Patsy calls 911 while John reads the ransom note. 12/26/1996, approx. 6am- Officers arrive at the Ramsey home, regarding a kidnapping. They search the home, including the basement, but don’t find anything. Officer French says he went down to the basement to search it but decided to not search the wine cellar, the room where JonBenet’s body was. 12/26/1996, 6:06am- Fleet White and his wife (family friends) arrive at the house. Fleet decides to search the basement. He says he went to the wine...
Words: 1777 - Pages: 8
...JonBenet Ramsey was a six year old beauty pageant star who was found dead on December 26th, 1996, the day after Christmas. She lived her mother Patricia also known as Patsy, her dad John and her older brother Burke in Boulder, Colorado. On morning of December 26th, when Patsy was walking down the stairs she found a ransom note. On the note, addressed to John, it said that in exchange for his daughter's safe return he would have to pay the 'kidnappers' $118,000, the same amount of money he got recently as a bonus that year. Patsy then proceeded to call the police. Eight hours after she called 911 John was searching for his daughter and came across her in the basement. JonBenet was found with her wrists tied up, duct tape over her mouth and a cord around her neck. Later on when she was examined the medical examiner stated that the cause of death was because of...
Words: 1214 - Pages: 5
...If you think the '60s psychedelic counterculture (aka hippie) died out, wait till you meet this fella. We're not talking about some pretentious multicolored-volkswagen van driver wearing a tie dye t-shirt and going on and on about why women shouldn't wear bras and shave. Ramsey is simply in harmony with the surrounding nature and God's creations, animals more than humans, and embraces life as it flows by. His one story modern brick house, although set up in the middle of a cemented neighbourhood is hidden by a large backyard and trees whose names I don't know. A very calm – maybe too calm for an urban like myself¬¬– residence that transmits its tranquillity as you step in. Perfect! Mission accomplished: That's what Ramsey aimed for when he decided to convert his crashing place into a daylight home-business; he wanted his clients to be as relaxed and chilled as they can be while they undergo a two and a half hour session of indulgence and pampering. So what exactly does Ramsey do? Ramsey is a professional dog groomer. Impressive? Jaw dropping? Yikey spikey? He had heard it all. But this good ol’ dog whisperer (the name dog owners came up with after seeing how he communicates with ferocious untamed pet- beast) didn't always do that for a living. His gypsy genes incited him to hit the French territories where he took a diploma in computer science. Spending 2 years working behind a desk he discovered his rather selective claustrophobia condition- IT guy basically got sick and tired...
Words: 515 - Pages: 3
...Diana Aldana Eng. 1301 Sanchez-Hatch 2/12/14 Beauty is Pain John Ramsey and his family made the top on national prominence in 1996, when Ramsey's 6-year-old daughter JonBenet, a frequent child pageant contestant, was found murdered. John now regret putting his child in pageants and says they are bad for young girls. Beauty pageants are beautiful but they can cause pain in different ways. Children beauty pageants are bad because they are sexualize young girls, wear high heels, cause cognitive and emotional problems. French lawmakers want an all-out ban on child pageants. They are accusing the media and reality TV of promoting stereotypes that transform young girls into sexual morsels. Look at the growing number of schoolgirls as young as 8 who wear padded bras, high heels, or makeup, and strike suggestive poses. What is that telling the children about how they present themselves to society? In the other hand, children in pageants can carry over into a multitude of other activities, like dance, drama, music recitals, and future public speaking. A pageant girl usually learns to be comfortable in front of strangers, giving her self-confidence a big boost When little pageant contestants wear heels it unnecessarily pushes their weight forward, causing lower back pain and hindering proper development of the feet. In some cases, these girls are forced to continue wearing heels outside of pageants because their feet have grown in a way that makes wearing other kinds of shoes...
Words: 499 - Pages: 2
...JonBenét Patricia Ramsey was born in Atlanta, Georgia on August 6th, 1990. She was murdered in her home December 25, 1996 and her body was found December 26, 1996, in the basement of their 4-story home, located in Boulder, Colorado. JonBenét was the daughter of John and Patsy Ramsey. She was an American childhood beauty queen. Media coverage of the case has often focused on JonBenét's participation in child beauty pageants, her parents' affluence and the unusual evidence in the case. Reports have also questioned the police's overall handling of the case. Several defamation suits have been filed against several media organizations by Ramsey family members and their friends over reporting of the murder. JonBenét’s murder – particularly as the days went by and no arrests were forthcoming – quickly became a national obsession, featured day after day on network news, television tabloid programs, talk radio, newspapers and magazines. Her image flitted across television screens numerous times, often showing her in a fancy red cowgirl outfit, singing "I want to be a cowboy sweetheart," or dancing across the stage in a glittering Las Vegas showgirl outfit, complete with heavy makeup. Her unusual first name became so well known that like Cher and Madonna she no longer had need of a last name. The public’s shock at the murder soon began to share equal time with its growing hate at the Boulder police’s investigation, a hate fed by a steady stream of leaks from the Boulder County District...
Words: 279 - Pages: 2
...Who Murdered JonBenet Ramsey? From researching the murder of JonBenet Ramsey and watching “The Case Of: JonBenet,” I believe that JonBenet’s brother, Burke killed her and their parents covered it up to protect their son. John and Patsy obviously succeeded because to this day, no one knows who killed JonBenet. I have many reasons behind why I think Burke Ramsey killed his six-year-old sister. One reason is because of the evidence at the crime scene. Another reason being the marks on JonBenet’s body. The last reason for me to believe Burke killed his sister is because of what he said and how he was acting when he was interviewed two weeks after JonBenet’s death. In my opinion, the evidence found in the Ramsey house after JonBenet’s death points...
Words: 468 - Pages: 2
...Character Definition Essay Dave Grohl once known as “that dude that played drums in Nirvana,” Dave Grohl, born in 1969, has made a made a name for himself as the one of the greatest rock stars of all time. Now the frontman of the Foo Fighters, Grohl’s riveting musical philosophy and history has led him to be the charismatic and fun loving person he is today. Dave Grohl is an inspiration all over the world, sharing his passion for music and his outlook on life with those who appreciate and admire him. His success has shaped the character of the man he is today. At the age of 15, Grohl dropped out of high school to play drums in his adolescent band “Scream.” In 1990, after the band split, Grohl traveled to Seattle in hopes of becoming Nirvana’s new drummer, joining the band members Kurt Cobain and Krist Novoselic. “All I really had was a suitcase and my drums. So I took them up to Seattle and hoped it would work,” Dave said describing his leap of faith into the music industry. Later that year, Grohl was accepted into the band and moved in with Cobain—he stayed there years after the band’s success. In 1994, Cobain, victim of fame and drugs, committed suicide. With the loss of a best friend and band member, Grohl was left confused and lonely with such a sudden pull from the world of music. Following Cobain’s death, Grohl appeared lost for words. He wrote: "My soul went dead to music. It's like a defense mechanism. When music touches a place in you that's so deep that...
Words: 869 - Pages: 4
