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DAVE RAMSEY

 
Today's Videos
Creative Sisterhood
Growing up in Glendale with six siblings in a single-parent household, the Bendfeldt sisters learned to be resourceful at an early age. "We were forced to be MacGyvers," says Amy Bendfeldt Barnum. "If there was something we wanted, we had to get creative."
Hot jobs
Gaining employment in today’s marketplace depends on the ability to offer relevant skills, especially those considered "nonroutine analytical," says Dennis Winters, chief economist for the Wisconsin Department of Workforce Development.
Managing your wealth
Most of us have financial goals, whether it is to retire at a reasonable age, fund our children’s education, do some traveling or simply manage debt. While overall plans haven’t changed, people’s attitudes have gone through a period of adjustment — and that’s occurring across all age groups, local industry experts say.

Twice the trouble when couples lose jobs 5-21-13
When Mark Doyle lost his job in August, it wasn’t a huge jolt. Doyle, 59, had taken the traveling sales job six months earlier, and it had become clear the business wasn’t strong enough to support his territory. 
Borrowers see glitches as big banks sell off mortgage rights 5-21-13
CHARLOTTE, N.C. — Millions of homeowners around the country have received an unexpected message from their banks: Goodbye.
Mortgage deduction rates vary widely among states, study finds 5-21-13
The mortgage interest deduction, widely viewed as a tax break for a broad slice of middle-class America, benefits the residents of some states far more than others, according to a new report by the Pew Charitable Trusts.
Learn to be a 'squeaky wheel' 5-21-13
Got a gripe? Whether it’s a faulty cellphone, a cranky washing machine or a designer dress that falls apart, inevitably something goes wrong with something you’ve bought. What do you do?
Pew survey questions Gen X, baby boomer savings 5-20-13
NEW YORK — A research report by the Pew Charitable Trusts says younger baby boomers and Generation Xers face an uncertain retirement because of reduced savings, high levels of debt, and losses during the Great Recession.
Exchange-traded funds entering new phase of growth 5-17-13
BOSTON — The headlines about exchange-traded funds suggest there are no limits to the growth of these low-cost, easily traded alternatives to mutual funds.
Retired couples may need $220K for health care 5-16-13
WASHINGTON — After years of increasing health care costs, the outlook is improving for seniors worried about paying their medical bills during retirement.
Huge drug cost disparities seen in health overhaul 5-14-13
WASHINGTON  — Cancer patients could face high costs for medications under President Barack Obama's health care law, industry analysts and advocates warn. Where you live could make a huge difference in what you'll pay.
Small business owners slightly more upbeat 5-14-13
NEW YORK — Small business owners were a little more optimistic during April but are generally still cautious.
Spending Smart: Save your way to soft landing in emergencies 5-10-13
A basic tenet of personal finance that gets short shrift but can dramatically improve your money life is having a cash emergency fund. It’s especially important for some to consider this time of year, as new high school and college graduates make their way in the world and soon-to-be newlyweds join their finances.
US home building is surging, but job growth isn't  5-10-13
The resurgent U.S. housing market has sent builders calling again for Richard Vap, who owns a drywall installation company. Vap would love to help. And he would — if he could hire enough qualified people.
Survey: Moms lead way in discussing family finance 5-7-13
BOSTON — Who's better at getting a family to talk about money matters, mom or dad? Taking sides probably won't make for a harmonious Mother's Day celebration on Sunday.
For unlucky few, tax 'help' is just a mirage 5-4-13
Maria Garcia never dreamed she would land in so much trouble with the IRS. But a few years ago, she found herself owing about $32,000 in back taxes — a situation she says was partly caused by a family member fraudulently using her name and Social Security number for work.
5 ways to cut that doggone pet food tab 5-3-13
NEW YORK — Pet food isn't cheap. Consumers are expected to spend $21.3 billion on pet food this year, up 3 percent from $20.6 billion in 2012, according to the American Pet Products Association.
Housing rebound is facing obstacle: Too few homes 5-2-13
GRAND RAPIDS, Mich. — Beth Heinen Bell and her husband, Christian, are sick of renting. They want more space. They'd like to host friends for dinner. And now, having seen the real estate market start to rebound, they want to turn housing payments into long-term equity.
J.C. Penney ad apologizes to customers 5-2-13
NEW YORK  — J.C. Penney is sorry and it wants your business back. That's the gist of its latest ad, a public "mea culpa" which the mid-priced department-store put on its YouTube and Facebook pages.
6 things to ask before booking a summer vacation 5-2-13
NEW YORK — It's May. Memorial Day and the end of the school year are in sight. Suddenly, you're thinking about a summer vacation. 
Apple sells $17 billion in bonds in record deal 5-1-13
NEW YORK — Apple Inc. sold $17 billion in bonds Tuesday in a record deal spurred by the company's plan to placate its frustrated shareholders.
Review: Google Now useful as a supplement to Siri 4-30-13
ORLANDO, Fla. — Google Now is often compared with the Siri voice assistant on Apple's mobile devices, but its power lies in giving you information you need to know before you have to ask. 
Nissan LogoNissan recalls 2013 Altima for spare tire defect 4-29-13
DETROIT — Nissan Motor Co. is recalling 123,308 Altima sedans because their spare tires may be over- or underinflated. Altimas from the 2013 model year that were made between March 21 and March 26 are affected.
Fund managers see opportunity in gold's price drop 4-26-13
BOSTON — Gold is making a comeback after its biggest single-day price plunge in three decades. The sell-off happened almost two weeks ago as investors became less concerned about inflation.
Prom spending is on the rise again 4-25-13
The prom is making a big comeback. The recession forced parents and teens to cut back on spending for the annual high school dance, but wallets are finally opening again.
FedEx LogoFedEx lets customers pick delivery time for a fee 4-24-13
MEMPHIS — FedEx will let recipients leave detailed instructions for their driver or reschedule a delivery to their home. FedEx Corp. said Tuesday it will charge $5 to reschedule the delivery day or location and $10 to request a 2-hour delivery window.
Be cautious when investing, even on friends' advice, experts say 
Day after day, week after week, month after month, the headlines keep screaming the same sad tales.
Financial education still looking for elusive payoff 4-23-13
Looking dapper in a blue shirt and striped tie, 11-year-old Quinn Krueger leaned over his desk and peered at plans for his company’s next project — a park bench.

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