Financial Plan

The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

The Total Money Makeover: A Proven Plan for Financial Fitness (Hardcover)

The Total Money Makeover: A Proven Plan for Financial Fitness by Dave Ramsey

Radio talk-show host and bestselling author Ramsey (Financial Peace) is less a financial analyst and more of a preacher, which explains both his popularity and the appeal of this book, which just might gain a wide audience. The bedrock of his system is simple: work hard, pay what you owe and stay out of debt. His main commandment is "Pay cash." He first exhorts the reader to take "baby steps," which are designed to build on each other: first, save $1,000 as an emergency fund; then, pay off all debts from smallest to largest; save a larger three-to-six-month emergency fund; finally, start to save for college and pay off your home mortgage. Ramsey understands the difficulty in putting these steps into action, and therefore packs his book with personal testimonials from everyday people who have used his system and have become debt free, with obvious struggles. The key is what Ramsey calls "Gazelle intensity," which is to live a financial life the way a gazelle saves itself from an attacking cheetah-"outmaneuver the enemy and run for your life." While Ramsey provides some helpful charts and graphs so readers can keep track of their efforts to follow his steps, the strength of this book is that it is a straightforward motivational tool. He provides the brutally direct truth about the hard work it takes to become free of debt, and his directness is a great part of the book's charm.

Financial Plan Headline News:

Dodd abandons bipartisan effort, plans own financial ... - Arizona Daily Star
WASHINGTON - Unable to muster bipartisan agreement on key banking provisions, Senate Banking Committee Chairman Christopher Dodd said Thursday that he will offer his own version of a sweeping overhaul of financial regulations without Republican ...
Posted Date: Fri, 12 Mar 2010 06:55:00 GMT

Geithner Commends Dodd for Financial Rules Overhaul Plan - BusinessWeek
March 11 (Bloomberg) -- U.S. Treasury Secretary Timothy F. Geithner praised Senate Banking Committee Chairman Christopher Dodd for his work on a new legislative plan to overhaul financial regulation. “We commend Chairman Dodd for his leadership in moving forward on much needed reform of the nation
Posted Date: Thu, 11 Mar 2010 19:13:00 GMT

Lt. Gov. Richard Ravitch has radical plan to balance N ... - Staten Island Advance
... walk to the governor's office at the Capitol in Albany. ALBANY -- Lt. Gov. Richard Ravitch has proposed a five-year plan for getting New York's state government's notorious overspending ... create an independent financial review board under a ...
Posted Date: Wed, 10 Mar 2010 21:31:00 GMT

CFP Board Raises Education Standards with Adoption of "Financial Plan ... - Yahoo Finance
WASHINGTON--(BUSINESS WIRE)--Certified Financial Planner Board of Standards, Inc. (“CFP Board”) has adopted a new Financial Plan Development Course requirement that raises the education standards for the prestigious CERTIFIED FINANCIAL PLANNER ...
Posted Date: Tue, 09 Mar 2010 21:18:00 GMT

Fed expands ‘repo’ plan eligibility - Buffalo News
... making more financial institutions eligible for a program to drain some of the unprecedented liquidity ... when the Fed sells securities from its portfolio with an agreement to buy them back later. The Fed launched dozens of programs to add ...
Posted Date: Tue, 09 Mar 2010 11:45:00 GMT

Ontario's McGuinty outlines plan to cope with recession - Financial Post
Reuters Ontario Premier Dalton McGuinty‚'s Liberal government outlined a five-year agenda that includes lower taxes for businesses, efforts to make Toronto a financial center and a review of state-owned ... Ontario Premier Dalton McGuinty's Liberal ...
Posted Date: Mon, 08 Mar 2010 20:50:00 GMT

Discover Financial Services Announces First Quarter 2010 Earnings ... - Businesswire.com
RIVERWOODS, Ill.--( BUSINESS WIRE )--Discover Financial Services (NYSE: DFS) plans to report its first quarter 2010 results after the market closes on Tuesday, March 16, 2010. The earnings release will be available on Discover's corporate Web site at ...
Posted Date: Fri, 05 Mar 2010 02:10:00 GMT

How To Pick Up Your Life And Move To Asia, Even If You ... - The Business Insider
Jim Rogers once said "If you were smart in 1807 you moved to London, if you were smart in 1907 you moved to New York City, and if you are smart in 2007 you move to Asia." The legendary investor stood by his word when he sold his New York mansion in ...
Posted Date: Fri, 12 Mar 2010 15:38:00 GMT

New wave of foreclosures threatens market - MSNBC
WASHINGTON - The housing market is facing swelling ranks of homeowners who are seriously delinquent but have yet to lose their homes, and this is threatening a new wave of foreclosures that could hit just as the real estate market has begun to ...
Posted Date: Fri, 12 Mar 2010 15:38:00 GMT

Campus Protests Should Remind Us All of College's Value - Huffingtonpost.com
The passionate campus protests in California and elsewhere last week were a reminder for all of us who work in education that schools -- the people who work in them and the students who learn in them -- are a treasured investment. Decrying college ...
Posted Date: Fri, 12 Mar 2010 15:09:00 GMT


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