Download PDF Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey
The way to get this publication Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey is really easy. You could not go for some locations as well as invest the moment to just locate the book Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey Actually, you might not constantly obtain guide as you agree. Yet below, just by search and also locate Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey, you can get the listings of the books that you actually expect. In some cases, there are lots of publications that are revealed. Those books naturally will impress you as this Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey compilation.
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey
Download PDF Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey
Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey. Is this your leisure? Just what will you do after that? Having spare or downtime is really amazing. You can do every little thing without pressure. Well, we mean you to save you couple of time to read this book Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey This is a god e-book to accompany you in this leisure time. You will certainly not be so difficult to know something from this publication Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey Much more, it will aid you to obtain far better information and also experience. Also you are having the fantastic works, reading this e-book Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey will certainly not include your thoughts.
Yet below, we will show you unbelievable point to be able constantly check out guide Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey anywhere and also whenever you occur and also time. Guide Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey by simply can aid you to understand having the e-book to review whenever. It won't obligate you to consistently bring the thick e-book wherever you go. You could just keep them on the device or on soft data in your computer to constantly review the area during that time.
Yeah, hanging out to check out the e-book Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey by on the internet could likewise offer you positive session. It will certainly alleviate to interact in whatever condition. This method could be more appealing to do and also simpler to check out. Now, to obtain this Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey, you could download and install in the web link that we give. It will help you to obtain simple method to download and install the publication Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey.
The e-books Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey, from simple to complicated one will be an extremely useful jobs that you could require to transform your life. It will not give you unfavorable declaration unless you don't obtain the meaning. This is certainly to do in reviewing a publication to conquer the meaning. Frequently, this e-book qualified Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey is read considering that you really like this kind of e-book. So, you can obtain much easier to understand the impression and also meaning. Once more to constantly keep in mind is by reading this book Financial Peace Revisited: New Chapters On Marriage, Singles, Kids And Families, By Dave Ramsey, you can satisfy hat your interest begin by finishing this reading publication.
Dave Ramsey knows what it's like to have it all. By age twenty-six, he had established a four-million-dollar real estate portfolio, only to lose it by age thirty. He has since rebuilt his financial life and, through his workshops and his New York Times business bestsellers Financial Peace and More than Enough, he has helped hundreds of thousands of people to understand the forces behind their financial distress and how to set things right-financially, emotionally, and spiritually.
In this new edition of Financial Peace, Ramsey has updated his tactics and philosophy to show even more readers:
- how to get out of debt and stay out
- the KISS rule of investing—"Keep It Simple, Stupid"
- how to use the principle of contentment to guide financial decision making
- how the flow of money can revolutionize relationships
With practical and easy to follow methods and personal anecdotes, Financial Peace is the road map to personal control, financial security, a new, vital family dynamic, and lifetime peace.
- Sales Rank: #11439 in Books
- Brand: WaterBrook Press
- Published on: 2003-01-27
- Released on: 2002-12-30
- Original language: English
- Number of items: 1
- Dimensions: 9.25" h x 1.13" w x 6.25" l, 1.25 pounds
- Binding: Hardcover
- 326 pages
- Money
From Publishers Weekly
An updated, expanded version of Ramsey's first book about overcoming debt and managing personal finances, this edition boasts new chapters on the relationship between money matters and family matters. (Originally self-published in 1992, Financial Peace had its sales bolstered by Ramsey's eponymous personal finance radio talk show; the 1997 Viking edition became a business bestseller.) When it comes to solving money problems, Ramsey knows whence he speaks: he had made and lost a real estate fortune by age 30. His straightforward guide to fiscal tranquility covers the basics of career (work hard in a job you're good at), savings (sock away 10% of your take-home pay), investments (invest long-term with pretax dollars) and spending (live below your income). The new chapters offer financial advice for singles, spouses and parents-agreeing on money matters, Ramsey says, leads to "fabulous unity" in a marriage. Commentary from Ramsey's wife, Sharon, concludes each chapter; while often a bit drippy ("Communicating with those closest to you is important. A lot of times this will be your spouse or your best friend"), it puts another reassuring layer on an already warm (sometimes Christian-themed) and helpful text.
Copyright 2002 Reed Business Information, Inc.
About the Author
Dave Ramsey, the nationally-syndicated radio host of "The Money Game" and bestselling author, has helped thousands through Financial Peace University-a 12-week financial planning program. He presents seminars in churches and corporations throughout the country. He holds a degree in finance and real estate and lives with his family in Nashville Tennessee.
Excerpt. � Reprinted by permission. All rights reserved.
CHAPTER ONE
The Beginning . . .
a Very Good Place to Start
AS I STOOD PUTTING GAS in my Jaguar, the cold damp January wind chilled me and seemed to dampen my spirits even more. I hoped the attendant inside would not run a telephone check on my gold card. If he did, they probably would turn me down. Then where would I be?
"This is ridiculous," I murmured. "Only in America could you drive a Jaguar and not have the money to put gas in it." I wondered where the arrogant young man from a few years ago was. There I stood in the cold, a man in my twenties, knowing I was in the process of losing virtually everything I owned.
It had not always been that way. After college I hit a couple of minor bumps in my career, but I found a niche in foreclosure bargain real estate. With a formal education in finance, a family background in real estate, and a burning desire to succeed, I had a head start on life. As my real estate business grew, everything I touched seemed to turn to gold. I began to collect rental properties, as well as buy and sell bargain properties. I was very good at it and made money quickly. By age twenty-six, I had a rental real estate portfolio worth more than $4 million. I had built a team of people to manage this growing company and everything was moving perfectly.
Or so I thought. My wife and I did all the exotic vacations, drove the top-name autos, and wore only expensive, custom-tailored suits. You may be able to imagine that for a young man of twenty-six, I thought I had it made.
Financial Independence
I had arrived at "financial independence," that mystical place every young entrepreneur wants to reach. If I wanted something, I bought it-no thought required. I had done it honestly, with hard work and intelligence. So what could possibly happen in paradise?
Along with my knack for obtaining bargains, I had another talent. I had an unusual ability to finance everything. If one of my business lines of credit ran low, I would put on my custom suit, get in my Jaguar, and head for the bank. I would make sure to park in front of the manager's window for a big impression. I had my financial statements, corporate strategy, and tax returns all bound for presentation. All this pomp and circumstance, combined with the fact that my "deals" always worked and enamored the bankers, and they loved to lend me money. We had every type of personal line of credit, business lines of credit, and equity lines of credit-and let's not forget those wonderful gold and platinum cards.
If a banker would dare to indicate I might have too much debt, I would hunt another source. I have taken a $20,000 draw on a line of credit in a cashier's check, walked out of that bank, and into another. With all the "presentation" explained above and a $20,000 cashier's check, I would "establish a new relationship." Which meant I would deposit my borrowed cash into their bank, promise to be a customer, and in return they would give me a new $100,000 line of credit plus every platinum card and personal line of credit they had.
The sarcastic way that I am explaining this to you almost makes the process seem immoral. However, we were making money, and we had a bright future, so the banks wanted customers like us.
All Good Things Come to an End
Then it happened. Our largest lender was sold to a larger bank. Neither pomp and circumstance nor my name meant anything to the new upper management. Also, the 1986 tax act began to have its negative impact on real estate so all the banks began to get worried. Upper management decided to "trim back" on real estate lending. Most of our borrowing was in short-term notes because we resold most of our property for profit. Because we had "open lines of credit" and short-term notes, the banks had the right to call (or demand that we pay) most of our debt within ninety days. And that is just what they did. The new management called all my notes.
I had ninety days to find $1.2 million. I paid virtually all of it, but doing so destroyed my business. That action started a chain reaction that ended in my losing everything but my home and the clothes on my back.
I remember the strain on my marriage. I remember the mornings standing in the shower with the water scalding my face and crying like a baby. I remember the sheriff serving the lawsuit papers for default on notes. I remember thinking of suicide, knowing I had a $1 million life insurance policy that would provide for my family better than I was doing. It took three and a half years for paradise to completely unravel and for me to end up broke.
From the nightmare and emotional pain, however, was born an idea-the idea of counseling the average consumer through debt problems. I found that the foreclosure experience I had, combined with my personal experience with financial pain, was a foundation for opening a company to counsel consumers. I attended any and every workshop or seminar available and devoured every book I could find on consumer financial problems.
I have that company and have dealt with several thousand cases of consumer counseling on financial crisis. The base of knowledge from that experience and my personal pain are the source for this material.
Enough Pain Already!
Having lived through that trepidation, having sat with countless others while they lived through the same horrors of financial stress, and having watched more than 10,000 foreclosures come across my desk in ten years, I have had enough! It is time we Americans get a handle on our finances. We have been Gomer Pyle-ing it through our lives long enough. Down South we call this ridiculous walk down apathy lane in a Valium state of mind "ditty bopping along."
I believe it is time for the typical American family to get out of financial bondage. I also believe that they are ready. Furthermore, I believe that through knowledge and discipline financial peace is possible for us-all of us.
At the end of each chapter my wife, Sharon, will offer her insights and comments on the material presented there. Achieving financial peace would have been impossible without her.
Thoughts from Sharon . . .
I remember that sunny summer afternoon when Dave called and told me that nothing else could be done. It was over. We had to declare bankruptcy.
What would we do now? I wondered. I had such an empty feeling. I felt that the whole world was crashing in on us. Now everybody was going to know our secret. Everybody would look at us funny. What would our family and friends think? Would we be able to take nice vacations? Would the children still be able to dress nicely and participate in the same activities? What was going to happen to us?
Question after question raced through my mind. But I didn't have the answers. I began to think, well, maybe I spent too much on furniture. Or maybe I bought too many clothes. What did I do to cause this mess? I was scared-no, I was terrified.
That day I asked the Lord for help. I realized that Dave and I needed more than just money. We needed peace and security so that everything would be okay. I have seen this valley we were in turn into an opportunity to share with others about the financial burden we had gotten ourselves into.
There is hope. As a wife and mother, I knew that I couldn't give up.
There were times I had to be there for Dave just as he was for me. We had to encourage one another many times. I realized that it wasn't going to be easy.
But I knew we were just in a valley and that on the other side there was a mountain and sunshine.
--from Financial Peace Revisited by Dave and Sharon Ramsey, Copyright � January 2003, Viking Press, a member of Penguin Putnam, Inc., used by permission."
Most helpful customer reviews
172 of 177 people found the following review helpful.
Top On My List
By Tom Carpenter
I've read at least two dozen books on money management and wealth creation, including the Rich Dad series (which is also great by the way), and I have to place this book in the number one spot. I've purchased copies for many friends and family members and continually recommend it to people in my seminars. I really believe it can change your life... it did for me.
I was working hard and earning a great income of more than $100k per year, but I was also spending it all. Then changes came and I plunged down, suddenly, to less than $35k per year. For some people that's a lot of money, but imagine you've been earning $35k per year and suddenly it fell to $15-18k - that's about what I felt like emotionally. Then I cam across Dave's materials and my life was literally unlocked.
I learned that I needed to manage my money to manage the rest of my life. I discovered that stress can disappear - even in the modern world - when you've taken care of your primary needs first and provided a security blanket for the future.
Today, I have a bank account that will keep me going for about a year even if my funds were completely cut of and, borrowing from another excellent book, I have multiple streams of income.
Since reading Dave's book, I've read the entire Rich Dad series, the Multiple Streams of Income and Multiple Streams of Internet Income books and many others on finances. They've all added to my life, but this book is the one that started my journey and gave me the needed principles to evaluate opportunities and options that come my way.
You'll love this book.
85 of 89 people found the following review helpful.
My favorite personal finance book
By Melissa Kaye
The original edition of this book was the first book I read on personal finance and I still think it's the best one out there. Dave's personal story of how he lived the "rich lifestyle" and then lost it all really speaks to the myth of "having it all". He makes the point that we don't have to "have it all" (or "own it all") to be happy. That said, he offers a very solid and straight-forward plan on how to break out of the debt cycle and save for the future. The book includes a number of ways to change your thinking and your habits to make you more financially secure.
Since reading this book, I have put many of his ideas into practice. There is nothing that has added to my personal happiness and security more than knowing I have an emergency fund to cover expenses if something unexpected happens. I am also almost debt-free and have money saved for retirement.
I have recommended this book to others and have even bought a copy (I originally read this at the library) just so I can read it again and lend it to friends. Everyone needs to read this book!
108 of 115 people found the following review helpful.
This book is AMAZING - if you're willing to change
By Erinna
Dave's principles are easy to apply for anyone, no matter their income. Even if you only make $24,000 a year, you can do this. The principles are simple: Live on less than you make, shed debt, don't borrow, invest wisely. The pervasive "gotta-have-it-now" conspicuous consumption mindset is addressed, in a no-nonsense style that still manages to convey warmth and caring.
He recommends extra jobs to increase income if the existing income is low. For those that view this as anti-family, consider two things: 1) Dave doesn't recommend it for the long term, only as long as is needed to get out of debt; and 2) financial freedom is a wonderful gift for your family. "Changing your family tree" is the aim. If you get out of debt, and teach your children the same principles of not spending money you don't have (i.e. borrowing), then you've changed your family for generations to come.
I did it; I got out of debt on a single-mom lower-than-national-average salary using Dave's principles. I dug out of a $24,000 pile of debt in sixteen months with this system. I am now debt-free, saving for retirement, setting aside some money for my son's education, and more financially secure than I have ever been. The plan works, if you work it. The key is personal responsibility.
Sure, Dave makes hundreds of thousands of dollars a year - now. He didn't always, and the fact that he lived what he preaches makes this book credible, interesting, and relevant.
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey PDF
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey EPub
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey Doc
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey iBooks
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey rtf
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey Mobipocket
Financial Peace Revisited: New Chapters on Marriage, Singles, Kids and Families, by Dave Ramsey Kindle
Tidak ada komentar:
Posting Komentar