Tag : Dave Ramsey

I’m so tired of hearing that “bankruptcy is failure.”  It’s simply not true, and yes, I am biased.  However, I have seen bankruptcy success stories, like Dave Ramsey, Walt Disney, J.C. Penny, darn near every football player ever, and more are listed in this article. If bankruptcy works for successful business folks, then why are […]

The next time you’re looking for a new or newer car, remember to consider the landed costs, which include the taxes, annual registration, maintenance costs, insurance, gas consumption costs, and the like.  For more information on landed costs, check out this recent article. But wait, there’s more.  I’m now even more fired up about car […]

I have been reading the book, Pound Foolish by Helaine Olen (@helaineolen) and I couldn’t get past the first fourteen pages without thinking that here is a woman who is a writer and journalist, who once wrote  for the Los Angeles Times (@LATimes) Money Makeover series, with no financial education and referring to a book […]

Why does Dave Ramsey, the Bible Belt personal finance guru, insist that filing personal bankruptcy is a “painful, life-changing experience. It hurts?” It’s because he himself filed for personal bankruptcy and had a bad experience.  Dave Ramsey also currently makes a very good living from selling “hope” in books and programs and “financial peace.” I […]

Today I am going to answer the question:  Why?  Why did I choose to practice bankruptcy law as a lawyer.  The answer is what motivates and drives my practice to help my clients grow financially.  This is the question you should ask of your lawyer too. I became a lawyer because I wanted a graduate […]

Are you caught up in a vicious debt cycle that feels like it will never end?  Have you considered payday loans or already have one? Are you overwhelmed by all the so-called “help” on the internet about getting out of debt? The real secret to getting and staying out of debt requires a permanent change […]

Sophisticated women hate minivans, but it’s a car, not a lifestyle statement. A minivan is transportation; a vehicle just like an SUV, but maybe with better gas mileage.  It doesn’t matter though that the minivan is durable, cost effective or fuel efficient.  A minivan tells the story to the world that you’re a #madmominaminivan or […]

You cannot spend your way to wealth, unless it’s a debt elimination plan. If there was a magic pill to getting rich, you would think that more people would be taking it, but that simply isn’t the truth.  The truth is that most people have and hold very high moral values and want to fulfill […]

Let’s face it, we are in tough financial times throughout our country.  There are many options to dealing with money issues.  Along with tough financial times comes stress, even depression, anxiety and fear.  Our emotions are tied very closely to our relationship with money.  Here are a few tools that just might help you gain […]

The mortgage meltdown and ensuing global financial crisis, in the fall of 2008, still reverberates today.  The New York Times reported on the essentials of the credit crisis and pointed out the breadth and depth origins of this crisis and likened these times to the Great Depression.  I have previously reported on the financial crisis in The Economy […]