I-Hero Financial Famous Hero
I-Sure Nashville Tennessee inamasiko amaningi, kodwa akubona bonke abasembonini yomculo.
Ake ngikunikezele kumphathi wethu wezezimali odume kakhulu uDave Ramsey
Umndeni wethu nabanye abaningi, bebelokhu belalele uDave eSiteshini Somsakazo waseNashville, 99.7 WTN iminyaka engaphezu kweyishumi.
Uhambo lwethu lwezezimali lwaqala, lapho umntakwethu ekhubeka eMidlalweni Yemali, ngenkathi ebuyela ku-WTN kancane ekuseni ukulalela Sports Night.
Kungakapheli amasonto wonke umndeni wawusondelene. Ukulalela Umdlalo Wezemali ukujabulisa usuku lokubonisa umsakazo usuku nosuku sekube umlutha womndeni.
UDave Ramsey unokuqonda kwezezimali ukukusiza nganoma yisiphi isimo sesikweletu, futhi ngaphezu kwakho konke, iseluleko sakhe siphelele kunoma ubani ozimisele ukulalela nokulandela izixazululo zakhe ezilula.
I-Dave's Radio Show igcwele izinto eziningi esingazihlanganisa nazo zonke. Usuku ngalunye singalalela izindaba ezibuhlungu zalabo abangaphezu kwamakhanda abo ngezikweletu zezezimali, futhi ulalele izeluleko zomsindo kaDave, njengoba ezisiza ekuqondiseni ukuThuthukiswa Kwezezimali. Siphinde sibakhanyiswe njengoba abanye bememeza uDave, ukuba bamzwele, njengoba begalela amakhadi abo esikweletu ku-blender, futhi ngaphezu kwakho konke, sikwazi ukulalela kulabo asebenzise amasu akhe, futhi bangakhamuluka emhlabeni Ngikhululekile!
UDave wazalwa e-East Tennessee futhi wakhulela eNashville. Wathola i-BS emalini nasezindlini ezivela eNyuvesi yaseTennessee, wabe esethola uRamsey Investments, Inc., i-real estate brokerage firm, ekhethekile ekuqothulweni nasekufeni kwangempela.
U-Dave uqoqe imali engaphezu kwezingu-4 million ngokuqeda impahla yokuqasha ngawo-1980, lapho abanikazi abasha bebhange bebiza amanothi ebhange lakhe, washeshe walahlekelwa iphothifoliyo yakhe futhi cishe yonke into ayenaye engama-30 ubudala.
Ngemuva kweminyaka embalwa yokuthobeka uDave wakhe iLampo Group ngo-1988, ukusiza abantu bathole ukuthula kwezimali ngokusebenzisa ukwelulekwa kwezimali zomuntu siqu, ukusakaza, ukushicilela, kanye nezinkulumo.
Ngesikhathi esifanayo, uDave wathola ukuqala kwakhe umsakazo, lapho enikezwa ukusebenzela inyanga mahhala. Leyo nyanga iphenduke ibe iMali Yezemali ehlinzekela okungaphezulu kweyishumi iseluleko esihle sezezimali kulabo abalaleli baseNashville.
Igeyimu yeMali ekuqaleni yayibanjwe nguDave Ramsey noRoy Matlock. Ifilosofi yezibili zagijima ngokufana komunye nomunye. URoy Matlock usho njalo; ukutshalwa imali, ukutshala izimali, nokutshala izimali zakho noma ngabe izikweletu zikhokhwa noma cha, lapho uDave Ramsey ehlale ethi ukhokhele izikweletu zakho futhi uma unemali esele isetshenziswe, yenza njalo.
Ukuthola indlu yakho ikhokhwe ngokushesha ngangokunokwenzeka bekulokhu kube phezulu kwe-Dave ukuze wenze uhlu.
Kule minyaka leminyaka i-philosophie ehlukene yadala iningi lempikiswano phakathi kwababili.
URoy ubelokhu ehamba phambili, eqala uRoy Matlock no-Associates, inkampani yokucebisa ngokwezimali. URoy usujoyine u-Primerica Financial Services, inkampani yomzali oyiCitigroup.
U-Dave Ramsey uye wavumelana nemibono yakhe yasemqoka kanye noMdlalo Wezezimali usukhulile waba umbukiso womsakazo ohlangene, i-Dave Ramsey Radio Show noma umbukele kuthelevishini kuFox Business Radio Show
Ngenxa yeqembu leDave Ramsey, ungafunda ikholomu yamaviki onke kaDave Ramsey, "Dave Says", lapha njalo ngesonto ku-Nashville.about.com.
Ungaphinde uhlale usesikhathini noDave ngokufunda enye yezincwadi eziningi ze-Dave- Ukuthula Kwezezimali, i-Financial Peace Planner, kanye namuva nje, Okungaphezu Kwanele.
Ungaya kwelinye lama-seminars amaningi eDave Peace University, aphethwe ngaphesheya kwesizwe. U-Dave ukhona nohlelo oluhle lweNkanyana, olufundiswa manje emakhaya nasezikoleni ezibizwa nge-Financial Peace for the Next Generation
Futhi uma ungeke ukwazi ukuthola okwanele ka-Dave, ungajoyina i-Dave's Fan Club. I-Dave's Club yisayithi lewebhu elibhalise ngokubhalisa elihlinzeka ngokuqukethwe okukhethekile, okuyinhloko kubalandeli be-The Dave Ramsey Show. I-Dave's Club ivuselelwa nsuku zonke ngezihloko ezikhethekile, izinto zokuqukethwe, ukusakaza amavidyo omsindo nezinye izeluleko zezezimali.
Umndeni wethu waphendukela iMidlalo YeMali ibe yiyethu iMiboniso Yempilo Yeqiniso, kakhulu kangangokuthi siye emininingwaneni yakhe eminingi kanye nomntwana oyedwa owaba seminar ngasekuqaleni kwawo-1990 ekuhlanganiseni, manje uqhuba ibhizinisi lakhe eliphumelelayo kanye nomndeni wonke ( bonke abanikazi bendawo) zonke izikweletu nezindleko zemali engenayo.
Abanye abaningi baye basizwa umlayezo olula kaDave: Phila ngaphakathi kweZindlela zakho, Zonke izikweletu zimbi, futhi Gcina imali.
U-Dave uthe izikhathi eziningi emoyeni ukuthi lapho enemininigodi edolobheni lakhe elihlala khona, eNashville, ukuthi amaminithi akhe angakabi mkhulu adayisa ngaphandle.
Umlayezo wami kuDave ukhona; U-Dave, Nashville ukhona kuwe, sikhumbula i-Tea Party II, sigijima kusihlwa sakusihlwa ukuze sikulalele ezitokisini zethu, siwabeka phansi izingane ukuba zihlale phansi isikhathi esiningi sokukubuka njalo ntambama, siya ku-Yard yakho yokuthengiswa yonyaka, siyazi mayelana ne-Wall of Shame yakho, siyaziphathisa futhi sithembele i-ELP yakho futhi siyazi ukuthi umkhangisi wakho omdala kunabo bonke, Nashville Diamond Bankers, noDave uma ungazi, siyaziqhenya ngokuthi wena Dave URamsey, oyedwa wezinkulumo eziyishumi eziphezulu zomsakazo obonisa umcimbi ezweni, kukhona iNashvillian.