"If You Play With Snakes, You're Gonna Get Bit"

By
Real Estate Agent with Keller Williams Realty Atlanta Partners

Dave Ramsey Town Hall for Hope

On Thursday night, over 6,000 churches hosted Dave Ramsey's Town Hall for Hope live simulcast and over 1 million Americans heard what he had to say. Not familiar with Dave? He's a financial expert and a Christian, which I love because what he teaches about your finances are biblically based.

He said a lot of great things last week and he really conveyed that the economy is not as bad as what the media is trying to portray. One of the best quotes of the night was: "Credit cards are snakes. If you play with snakes, you're going to get bit." Dave doesn't even own a credit card because he doesn't feel that the credit card companies play fair. He only advises using them if you can pay them in full each month! Now, I know that for a lot of Americans credit cards are a way of life, but can you imagine if you never used a credit card again how much money you would save?! Not only would you be keeping all that interest that you would accrue to yourself, but statistics also show that Americans who pay with credit cards typically spend 26% more than Americans who don't use them. Ponder that for a little bit.

Another important thing he said was that "Failure will run you into excellence. Without fear of failure you cannot be your best." I think this is also great; we shouldn't let our fear of failure paralyze us from doing anything but instead use that fear to do our best. And if we should fail that will only make us want to pick up the pieces and try again. A lot of the wealthiest people have been millionaires only to become bankrupt and then they go out and work harder and accomplish even greater wealth than before.

Dave claimed we need to learn two things: 1. SAY NO! and 2. Take personal responsibility that you caused this mess. He says we need to learn how to say no again--we live in a society that says yes to everything and no to nothing, but that must change if we're going to get in control of our finances. We need to learn to say "yes that was my fault" instead of whining about it.

I'm also very happy to inform you that Dave believes the housing industry is going to lead us out of this recession. He stated that because of interest rates being the lowest they have been in years, it's a wonderful time to buy a home. If you have extra money he also recommends investing in property as well. And he wants everyone to quit believing the media when they talk about foreclosures running rampant in this nation; did you know that 60% of the foreclosures come from only 5 of our states. And that 50% of foreclosures are in 35 counties. This shows us that foreclosures are highly localized. So, if you can afford it, this is definitely the year to buy a home!

And finally, here's a three step action plan that we should follow:

1. Get up and TAKE ACTION! Don't just sit on your couch watching Oprah re-runs wishing you made more money or the country wasn't in this recession (This is not even the worst recession we've ever had, did you know that?) Be proactive and think creatively on ways to earn more money.

2. Don't participate in LOSER TALK! Don't believe everything you hear on the media and if the news is getting you down, just don't listen to it. Think positively and when others are talking negatively walk away or find something good to say.

3. We need to learn to give again. Americans need to learn how to be generous again with both their time and money. Money really tight? Don't worry, find ways to give back to your community--maybe help serve in a soup kitchen or volunteer to read to elderly people in a retirement home. Doing things to help others will help get your mind off your problems, put things into perspective (things could be worse) and will be a blessing to you.

Lastly, his parting words were: HOPE comes from you, me, and God--NOT Washington!!

If you would like more information, Dave Ramsey has a whole website devoted to Town Hall for Hope. Also, he's a wonderful financial advisor and has written a great book: Total Money Makeover that I would highly recommend. He teaches people how to get out of debt and to live a debt-free lifestyle. His motto is "Live like no one else, so one day you can LIVE like no one else."

Town Hall for Hope Website

Dave Ramsey's Website

I hope this information has helped you! If you are in the market to buy or sell your home in the Bethlehem or Dacula area, I would be happy to assist you! My passion is helping people find their dream home and stepping them through this exciting journey. I serve the Walton, Barrow and Gwinnett county areas. Call or text me today!

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Topic:
Lending / Financial
Location:
Georgia Gwinnett County Dacula
Groups:
20-Somethings Realtors
Diary of a Realtor
Keller Williams 'Rainers
POSITIVE ATTITUDE for the Weary Soul
The Art Of Marketing You
Tags:
finance advice
dave ramsey
town hall for hope
buying a home

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Show All Comments
Rainmaker
19,586
Winston Westbrook
Westbrook National Real Estate Co

Hi Anne. Thanks for posting this up. We need more positive blogs like this to get us off those Oprah re-runs, lol. Have a blessed day!

April 27, 2009 03:45 PM
Rainer
9,603
Eileen Musser
EX Realtor
no longer in real estate

He gave a lot of good information didn't he? 

another fact:  Unemployment is only up 3%.  We feel sad for the person who has lost his job because he is 100% unemployed, but the statistics though uncomfortable, are not a total disaster.

 

April 27, 2009 03:50 PM
Rainer
40,526
Josh Murphy
Belfair WA Real Estate, 360-710-3972
Windermere Peninsula Properties

Great Post Anne, I love Dave and have read a few of his books, and even watched his TV show. He is truly a financial expert. He has been a millionaire, lost it all, then built his way to being a millionaire a second time. He is a great source, and has truly struggled as the majority of us have.  -Josh

April 27, 2009 03:53 PM
Rainer
54,609
Bettina Settles
Your Indiana Connection
Settles Team

I love Dave and his information.....always something new.

Bettina

April 27, 2009 03:54 PM
Rainmaker
250,419
Tina Maraj
Fullerton, California Real Estate 714-403-7901
RE/MAX North Orange County

All great information for people that do not have discipline with their credit.

April 27, 2009 04:20 PM
Rainmaker
543,273
Toula Rosebrock
Broker/Sales Associate, Realtor, Lacey Township,
Diane Turton, Realtors, Forked River, NJ

ToulaRosebrock,comHi Anne:

Great analogy about credit.

Good information here as well.  Thanks for sharing that uplifting 3 step plan.

April 27, 2009 06:45 PM
Ambassador
658,299
Sheldon Neal
That British Agent Bergen County NJ
Bergen County, NJ - RE/MAX Real Estate Limited

I like that 3 step plan Anne !

Sounds like Mr Ramsey knows his stuff !!!!

Cheers Anne !

Sheldon

April 27, 2009 06:51 PM
Rainmaker
591,494
Laura Giannotta
Your Realtor Down the Shore!
Keller Williams Realty - Atlantic Shore

I didn't hear this, so I appreciate your sharing and couldn't agree more!  I'm going over to check out that website. 

April 27, 2009 07:30 PM
Ambassador
474,179
Kristin Moran
San Antonio,TX - Real Estate - 210-313-7397
Owner - RE/MAX Access - KristinMoran@Remax.net

Hi Anne, my dad & mom are always quoting Dave.  I haven't ever seen him but know so much about him, I know I should!

April 27, 2009 08:46 PM
Ambassador
1,530,773
Gary Woltal
Assoc. Broker Realtor SFR Dallas Ft. Worth
Keller Williams Realty

Dave helps many with that get out of debt problem Anne. Loreena Yeo here on Active Rain just became a certified counselor in the Dave Ramsey program.

April 27, 2009 10:31 PM
Rainmaker
950,293
Greg Nino
Houston, Texas
RE/MAX Compass, formerly RE/MAX WHP

good for Dave, good for u.

April 27, 2009 11:22 PM
Rainer
156,491
Tom Boos
Sine & Monaghan Realtors, Real Living

I love Dave Ramsey's entire message.  Common sense conservatism at it's best.

April 28, 2009 10:07 AM
Rainer
81,231
David Width Jr.
Coldwell Banker Red Top Realty

I like everything about Dave Ramsey, his concepts are so simple and well worth trying.

April 28, 2009 10:29 AM
Rainmaker
509,293
Mary Douglas
REALTOR, Red Feather Lakes, Colorado
United Country Ponderosa Realty

Hi Anne! Thank you for posting this, I missed the Town Hall Meeting, and I am so happy to hear the positive  news!

April 28, 2009 08:31 PM
Rainmaker
241,938
Bruce Brockmeier
Coached By Crouch
Internet Marketing Consultant to REALTORS®

He stated that because of interest rates being the lowest they have been in years, it's a wonderful time to buy a home.

Hi Anne,

I agree!  That's one of the reasons why we're seeing so many buyers right now.

Thank you for this informative post.  One of my clients mentioned Dave to me last year, but I never followed up to learn exactly what he does.  Obviously he's teaching the right things about spending and personal responsibility.  In fact, I sure wish we had someone like him running this country!  :)

April 28, 2009 11:16 PM
Rainer
69,387
The Rains Team
A higher standard in real estate
Keller Williams Realty Atlanta Partners

Hi Winston: You're welcome...just doing my part to spread the hope!

Hey Eileen: I had forgotten about the unemployment stat, thanks for the reminder!

Hey Josh: Yeah I'm about to read his Total Money Makeover book--my husband has listened to it on audio cd 3 times now and loves it.

Hi Bettina: Dave is really gives great financial advice; if more people would listen to him America wouldn't be in the shape she's in I don't think.

Hey Tina: Yeah, being disciplined with credit is something a lot of people struggle with.

Hi Toula: Glad that you enjoyed the information!

Hey Sheldon: Dave really does know a lot about finances and how to become debt-free. Read his books if you get the chance!

Hi Laura: I'm glad to pass on this information; I think it's important!!

Hey Kristin: Well, he says a lot of great things to quote that's for sure!

Hi Gary: Yeah, I love how he teaches people how to get out debt and live debt-free! It's definitely a goal to strive for!

Hey Greg: Dave is great!

Hi Tom: I completely agree; everything he said was awesome!

Hey David: Couldn't agree more--what he teaches is not hard to do, it's definitely worth trying!

Hi Mary: It certainly was positive news! Especially for us since he feels the housing industry will lead us out of the recession! It's time to buy some houses people!! :-)

Hey Bruce: Yeah wouldn't that be great if he was running the country! At least he's spreading his knowledge to the public and trying to help us out!

April 29, 2009 07:59 AM
Rainer
110,832
Charles Perkins
Charles G. Perkins, CPA

Great post.  I believe all successful people go through many failures before succeeding.  We have to be willing try and take some chances otherwise we choose to go no where.  Taking ownership of what happens to us is also important.  We can do something about our own mistakes, we are not likely to change how someone else impacts are life.

September 09, 2009 01:48 AM
Anonymous
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