IHasimari yezeMali eyaziwayo yaseNashville
Ngokuqinisekileyo iNashville Tennessee inabantu abaninzi abadumileyo, kodwa akubona bonke abakwiimveliso zomculo.
Makhe ndikuxelele kwi-guru lethu lezemali edumileyo uDave Ramsey
Intsapho yethu njengabanye abaninzi, sele bephulaphule uDave kwisikhululo se-Nashville Radio Station, 99.7 i-WTN kangangeminyaka elishumi.
Uhambo lwethu lwezezimali lwaqala, xa umntakwabo ekhunjulwa kwiMidlalo yeMali, ngelixa ephendukela kwi-WTN ngokukhawuleza ukuphulaphula uMdlalo woBusuku.
Kwiiveki zonke iintsapho zazisisigxina. Ukuphulaphula iMidlalo yeMali ngokuqhubekayo kukuzonwabisa ngokubonisa uonomasi usuku nosuku luba ngumlutha wentsapho.
UDave Ramsey unengqiqo yezemali ukukunceda nayiphi na imeko enetyala, kwaye eyona nto ibaluleke kakhulu, icebiso lakhe likhululekile kunoma ubani ofuna ukuphulaphula nokulandela izisombululo zakhe ezilula.
I-Dave's Radio Show igcwele izinto ezininzi esinokuzixhamla ngazo zonke. Iveki nganye ngeveki siyakwazi ukuphulaphula amabali amangalisa abo beentloko zabo ngetyala lezezimali, kwaye uphulaphule iingcebiso ezifanelekileyo zeDave, njengoko unceda ekubakhokela kwiXolo leMali. Siphinde sibakhanyiswe njengoko abanye bambiza uDave, ukuba bamve, njengoko begalela amakhadi abo esikweleti kwi-blender, kwaye kukugqwesileyo konke, sikwazi ukuphulaphula abo basebenzise ubuchule bakhe, kwaye banokumemeza kwihlabathi NDIMALI NGEMALI!
UDave wazalwa e-East Tennessee waza wakhulela eNashville. Wafumana i-BS kwimali kunye neentengo ezivela kwiYunivesithi yaseTennessee, waza wafumana uRamsey Investments, Inc., iqumrhu le-brokerage ye-real estate, ekhethekileyo ekuchithweni nasekufeni.
U-Dave wayebuthe ngaphezu kwezigidi ezingama-4 zezigidi ngokukhupha ipropati yokuqeshisa ngawo-1980, xa abanikazi abatsha bebhanki bebiza amanqaku eebhanki, ngokukhawuleza waphulukana nayo yonke iphothifoliyo yakhe kunye nayo yonke into eyayineminyaka engama-30.
Emva kweminyaka embalwa yokuthobeka uDave wamisa iqela leLampo ngo-1988, ukubanceda abantu bathole uxolo lwezezimali ngokucebisa ngezezimali, ukusasazwa, ukupapashwa kunye neemina.
Ngexesha elifanayo, uDave waqala ukuqala kwee-radiyo, xa wazinikela ukuba asebenze inyanga mahhala. Le nyanga yajika yaba ngumdlalo weMali oye wanikela ngaphezu kweminyaka elishumi yeengcebiso eziphezulu zezemali kubaphulaphuli baseNashville.
Umdlalo weMali waqala ukuhlanganyelwa nguDave Ramsey noRoy Matlock. Ifilosofi yebini yagijimelana ngokukodwa komnye. URoy Matlock wayesoloko ethetha; utyalomali, utyalomali, kwaye utyalole imali yakho nokuba ingahlawulwa iibhili, apho u-Dave Ramsey ehlala etsho ukuhlawula iibhokhwe zakho kwaye ke ukuba unemali eshiyelwe ukutshala imali, yenza njalo.
Ukufumana indlu yakho ihlawulwe ngokukhawuleza ngokukhawuleza kuye kwaba yinto ephezulu yeDave yokwenza uluhlu.
Kule minyaka le ntlukwano yefilosofi yabangela ezininzi iingxabano phakathi kwaba babini.
URoy usekude ehamba phambili, eqala uRoy Matlock no-Associates, inkampani yokucebisa ngezezimali. URoy usuye wajoyina iNkonzo zezeMali ze-Primerica, inkampani yomzali oyiCitigroup.
U-Dave Ramsey uye wabambelela kwiimfundiso zakhe ezisisiseko kunye neMdlalo weMali iye yakhula yaba ngumboniso we-radiyo ohlangeneyo, i-Dave Ramsey Radio Show okanye umbukele kumabonwakude kwi-Fox Business Radio Show
Ngombulelo kwiqela leDave Ramsey, unokufunda ikholomu yeveki yeDave Ramsey, "Dave uthi", apha ngeveki kwiNashville.about.com.
Ungakwazi kwakhona ukuhlala kunye noDave ngokufunda enye yeencwadi ezininzi ze-Dave-Uxolo lwezeMali, uMququzeli wezeMali wezoPhuhliso, kwaye ngoku kutshanje, kuninzi kunene.
Unokuya kwenye yezifundo ezininzi zeDave kwiYunivesithi yoThutho lwezeMali, ebanjwe kwiSizwe. U-Dave unayo iNkqubo yeC Kid emangalisayo, ngoku ifundiswa emakhaya nasezikolweni ezibizwa ngokuthi uxolo lwezeMali kwiSizukulwane esilandelayo
Kwaye ukuba awukwazi ukufumana okwaneleyo kaDave, unokujoyina iDave's Fan Club. I-Club yeDave yi-intanethi ye-intanethi esekelwe kubhaliso ngokubonelela ngokukodwa, umxholo we-premium kubalandeli beDave Ramsey Show. Iqela leDave lihlaziywa imihla ngemihla ngamanqaku akhethekileyo, izinto eziqulathwe ngumxholo, iziqulatho zomsindo kunye nokunye iingcebiso zezezimali.
Intsapho yethu yajika iMidlalo yeMali kwi-Real Life Real Reality Show, kangangokuthi siye siye kwiintlanganiso ezininzi kunye nomntakwabo oye waya kwiisemina ekuqaleni kwawo-1990 ngokubandakanya, ngoku uqhuba ibhizinisi lakhe eliphumelelayo kunye nentsapho yonke. bonke abanikazi bezindlu) bonke a matyala kunye nemali mboleko.
Abanye abaninzi baye bancedwa ngumyalezo olula kaDave: Phila ngaphakathi kwakho, onke amatyala awonakele, kwaye Gcina imali.
U-Dave uthe izihlandlo ezininzi emoyeni ukuba xa eqhuba iisemina kwidolophu yakhe yokuhlala, eNashville, ukuba iimfundiso zakhe zendawo azizange zithengise.
Umyalezo wam kuDave; U-Dave, uNashville ukhona kuwe, sikhumbula i-Tea Party II, siphumelela kusihlwa sasemini ukuze sikuphulaphule kwiimoto zethu, siwabeka phantsi abantwana kwi-nap eninzi ixesha lokuba sikubuke ngemini emini, siya kwi-Yard yentengiso yakho yonyaka, siyazi malunga ne-Wall yakho ye-Shame, siyaziphathisa kwaye siyayithemba i-ELP yakho kwaye ngokuqinisekileyo siyazi umthengisi wakho omdala kunabo bonke, i-Nashville Diamond Bankers, kunye no-Dave xa ungazi, siyaqhayisa ukuba wena Dave URamsey, enye yeyona ntetho yeshumi ephezulu yomsakazo ibonisa umkhosi kwilizwe, i-Nashvillian.