Usuku lokuzalwa: NgoSeptemba 3 , Ngo-1960
Ubudala: Iminyaka engama-60,Amadoda ama-60 eminyaka ubudala
Umqondiso welanga: Intombazana
Kwaziwa njenge:UDavid Lawrence Ramsey III
Ilizwe lokuzalwa: eunited States
Uzalwe e:Antiyokwe, Nashville, Tennessee, United States
Idume njenge:Umsasazi woonomathotholo
Ababhali Izithethi zikaRhulumente
Ukuphakama:1.78 m
Usapho:Iqabane / Ex-:USharon Ramsey
abantwana:UDaniel Ramsey, uDenise Ramsey, uRachel Cruze
U.S. Urhulumente: ETennessee
Isixeko: ENashville, eTennessee
Iinkcukacha ezithe kratyaImfundo:IYunivesithi yaseTennessee -Knoxville
Qhubeka nokuFunda apha ngezantsiKuyacetyiswa Wena
UJeff Bezos ULebron James UMichael Jordan UBarack ObamaNgubani uDave Ramsey?
UDave Ramsey ngusomashishini waseMelika, umcebisi wezezimali, umbhali, isithethi esikhuthazayo, umphathi werediyo, umphathi wepodcast, kunye nobuntu beTV. Ekhuthazwa ngutata wakhe, waba ngusomashishini xa wayesesikolweni. Ngethuba wayesekholejini, uRamsey wayenamashishini amaninzi. Wakha iipotifoliyo zokuthengisa izindlu nomhlaba ezixabisa izigidi emva kokuba eqale umsebenzi wakhe njengotyalomali lokuthengisa izindlu nomhlaba phantsi kwenkampani yakhe. Nangona kunjalo, ukufunyanwa kwebhanki kwamkhokelela ekubeni abhengeze njengongenamali, kwaye kwafuneka esonge ishishini lakhe. Emva kokufumana uzinzo kwezemali, uRamsey wafumana induduzo ebuKristwini kwaye waqala umsebenzi wokuba ngumcebisi wezezimali, ngombono wobuKristu. Ekugqibeleni wabhala iincwadi kulawulo lwezemali, wabamba iinkqubo zikanomathotholo kunye nomabonakude, wabhala iikholamu, kwaye wasungula imisebenzi emininzi yokuzenzela igama njengengcali yezemali. URamsey wenza iinzame zokufundisa abantu ngeendlela zokusebenzisa izixhobo ngendlela eyiyo, 'ngeYunivesithi yoXolo lwezeMali,' ethetha kwiicawa nakumaziko oluntu. URamsey ucebisa wonke umntu ukuba alandele eyona mantra yakhe, 'Kuphephe ukwenza amatyala ngazo zonke iindlela.'
Ityala lemifanekiso https://www.instagram.com/p/B525gRxBMWQ/ (I-officialdaveramsey_fanpage)
Ityala lemifanekiso https://www.instagram.com/p/B2wVXEFgWBK/ (dave.ramsey.memes)Virgo Oosomashishini Oosomashishini baseMelika Izithethi zikaRhulumente zaseMelika Umsebenzi URamsey wafumana iphepha-mvume lakhe lokuthengisa izindlu nomhlaba emva kokuba eneminyaka eyi-18. Kungekudala emva kokuphumelela ikholeji, wangena kwishishini lokuthengisa izindlu nomhlaba. Kuba wayenabahlobo abambalwa kwiibhanki zalapha ekhaya, wayifumana ngokulula inkxaso-mali efunekayo kwizivumelwano zakhe zokuthengiswa kwezindlu nomhlaba. Ekugqibeleni waqalisa ukusebenzela inkampani yakhe ethengisa izindlu nomhlaba, 'iRamsey Investments, Inc.' Ishishini lakhula, kwaye ngo-1986, wayesele akhe ipotifoliyo yokuthengisa izindlu nomhlaba exabisa ngaphezulu kwe- $ 4 yezigidi. Ngelishwa, impumelelo yakhe yayiyexeshana. Imali yebhanki yendawo exhasa ishishini lokuthengisa izindlu nomhlaba eRamsey lathengiswa kwibhanki enkulu. Ibhanki entsha inyanzelise ukuba ihlawulwe imali mboleko ngokukhawuleza. Nangona uRamsey wakwazi ukuhlawula isabelo esibalulekileyo kwityala, wayesele nemali enkulu engekahlawulwa. Ekugqibeleni akazange akwazi ukuhlawula yonke enye imali kwaye ke wafaka isicelo sokungabinamali ngoSeptemba ka-1988. Ingxaki yemali yathatha yonke into awayeyizuzile ukuza kuthi ga ngoku. URamsey, nangona kunjalo, akazange aphelelwe lithemba. Emva kokuchacha ngokwasezimalini, waguqukela kwinto yokomoya ukumnceda azole, engqondweni nangokweemvakalelo. Waqala ukufunda ‘iBhayibhile’ kwaye esiya kwicawa yasekuhlaleni yonke imihla. Ngenye imini, xa wayebuya ecaweni, wadibana nendoda eyayilahlekelwe kakhulu yimali. URamsey wabelana naye ngebali lakhe ukuze amkhuthaze kwaye wavuma ukunceda le ndoda kunye nenkosikazi yakhe ngokumisela isicwangciso sokubanceda ukuba babuye ekulahlekelweni kwemali. Isenzo sanika uRamsey umbono malunga nelinge lakhe elilandelayo. Ukuthatha izifundo ngeempazamo zakhe zangaphambili zezezimali, waqala ngokunika iingcebiso ngezemali ngokwembono yobuKristu kwizibini ezikwicawa yakhe. URamsey ngaxeshanye waya kwiindibano zocweyo kunye neesemina malunga neengxaki zabathengi, ezidibene namava akhe, zamnceda ukuba enze iseti yezifundo kunye nezinto zeshishini lakhe lokucebisa. Ukwabandakanya iimfundiso zobuntu bukanomathotholo waseMelika kunye nomcebisi ngezezimali uLarry Burkett kwincwadi yakhe yokufunda. URamsey naye wafunda imisebenzi kaRon Blue kunye noArt Williams. Ubugcisa yayingomnye wabasunguli beenkampani zentengiso zamanqanaba amaninzi 'iPrimerica.' Exhotyiswe ngezixhobo ezaneleyo, waseka inkampani ecebisa ngezemali ebizwa ngokuba yi 'Lampo Group.' Iqale ngeqaqobana labafundi, kodwa kwisithuba seminyaka embalwa, inani labafundi liwele ama-350. Qhubeka nokufunda apha ngezantsi Impumelelo yeQela leLampo ikhokelele uRamsey ukuba aqalise inkqubo yakhe kanomathotholo ebizwa ngokuba yi 'The Money Game' ngo1992. , awayeyibambisene kunye nomhlobo wakhe kunye nomsunguli we-'Primerica 'uRoy Matlock. Kwakuloo nyaka, wapapasha incwadi yakhe yokuqala, 'Uxolo lwezezimali.' Usebenzise inkqubo yakhe kanomathotholo ukukhuthaza le ncwadi. URamsey usungule inkqubo yesibini yerediyo, ikakhulu ukushenxisa eyokuqala, 'I-Dave Ramsey Show,' kwi 'iHeartRadio.' Ekugqibeleni yaba ngumboniso wesithathu ngobukhulu kwirediyo e-US Umboniso kanomathotholo ngoku uviwe ngaphezulu ngaphezu kwezikhululo ezingama-500 kulo lonke elaseMelika naseKhanada. Inesicelo se-'OS 'kunye nefomathi ye-podcast ebhalwe' kwiRamsey Solutions 'eFranklin, eTennessee. Iphuma kwi-'YouTube 'kwaye iphinda idlale' kwiDaveRamsey.com. ' Ukongeza, ulawulo lwezezimali lukaRamsey kunye neengcebiso zokwenza imali zifikelela kubaphulaphuli ngokubanzi ngeencwadi zakhe ezininzi, ezintlanu zazo zithengisa kakhulu 'yiNew York Times. 'Iyonke imali yokwenziwa kwemali,' eyapapashwa ngo-2003, ngomnye wemisebenzi yakhe edumileyo. Ngo-2007, uRamsey waqala ukusingatha ukulungiswa kweTV 'kwiDave Ramsey Show' kwi 'Fox Business Network.' Waqhubeka njengombuki zindwendwe de eli jelo lawurhoxisa umboniso ngoJuni 2010. URamsey wayedubule umqhubi wenqwelomoya kunye neziqendu ezithandathu ze 'The Dave Ramsey Project' ye 'CBS,' kodwa azange zisasazwe. Uye wabonakaliswa kwimiboniso eliqela yeentetho, ezinje nge 'Oprah Winfrey Show,' '60 Minutes,' kunye 'The Early Show.' Kwi-2014, 'Iqela leLampo, Inc.' kwathiwa igama 'yiRamsey Solutions.' Yayizinze eFranklin, eTennessee. Ngelo xesha, yayinamacandelo amathandathu okongamela imfundo yezemali. URamsey usungule isicelo sakhe sohlahlo-lwabiwo mali kwi-intanethi 'i-EveryDollar' ngo-Matshi 2015. Ivumela abasebenzisi ukuba bacwangcise kwaye bagcine uhlahlo-lwabiwo mali lwasekhaya kunye nokulandela inkcitho kunye nokonga ngendlela ekhululekileyo nengahambelaniyo. Isicelo okwangoku sinabasebenzisi abangaphezulu kwezigidi ezi-2. Ukongezwa kwi-app, 'i-EveryDollar Plus,' idibanisa abasebenzisi kwiibhanki zabo ukuze babeke iliso kwimicimbi yabo kunye neebhalansi zeakhawunti. Zombini ii -apps zisebenza 'kwizixhobo ze-iOS' kunye ne'i-Android. URamsey ukwangumsunguli we 'Yunivesithi yoXolo lwezeMali.' Le nkonzo isekelwe kubulungu ibonelela ngezifundo zevidiyo kwiinkqubo ezahlukeneyo ezinxulumene nemali kunye neendlela ezilungileyo zokusebenzisa izixhobo zemali ngendlela efanelekileyo. Qhubeka nokuFunda apha ngezantsi 'kwiYunivesithi yoXolo lwezeMali' kubandakanya ababhali abathengisayo kunye neengcali zemali, ezinje ngoRachel Cruze noChris Hogan. URamsey ubonelela ngeeseshoni ezinje 'ngohambo lweLifa' kunye 'ne-Smart Money Smart Kids' kwiicawa ezahlukeneyo nakwimibutho yoluntu kwilizwe liphela. 'Iziseko kwiZimali zoBuntu,' elinye iphulo 'leRamsey Solutions,' ikharityhulamu yabafundi ngexabiso lokonga, inkcitho, kunye nolwazi lokufunda nokubhala ngokubanzi. Ngaphezulu kwezigidi ezi-4 zabafundi kwizikolo eziphakathi ezahlukeneyo, kwizikolo eziphakamileyo, nakwiiyunivesithi kwilizwe liphela ngoku babhalisile kwikharityhulamu. URamsey's 'SmartDollar' yinkqubo yezempilo kwi-intanethi kulawulo lwezemali, ikakhulu kubasebenzi. Kunye noRamsey, le nkqubo ikwabonisa uRachel Cruze (intombi yakhe) kunye noChris Hogan. URamsey naye ufundisa ngokuqhuba ishishini eliyimpumelelo ngencwadi yakhe yokudlala ethi 'EntreLeadership.' Unomsebenzi owahlukileyo, ozinikele ngokupheleleyo kuxhotyiso lwabasetyhini, olubizwa ngokuba 'yiShishini I-Boutique, 'enceda oosomashishini abancinci ukuba bacwangcise kwaye baphumeze izimvo zabo zeshishini. 'I-Ramsey Press' ipapashe iincwadi ezininzi eziyinyani kunye nezingeyonyani kunye nemidlalo yebhodi ukuza kuthi ga ngoku. Ezinye zezona mpapasho zithengiswa kakhulu zii 'Business Boutique,' 'Smart Money Smart Kids,' 'Umhlala-phantsi ophefumlelweyo,' uthotho lwezeMali lweJunior 'kunye' nohambo lweLifa. ' Iikholamu zakhe ezidibeneyo, 'uDave Says' kunye 'noDave Ramsey's EntreLeadership,' zipapashwe ngabapapashi abangaphezu kwama-500, ngaphezulu kwe-8 yezigidi eziprintiweyo. Ikholamu 'kaDave ithi' ibandakanya imibuzo kunye neempendulo kwi'Dave Ramsey Show. 'Imithombo yeendaba yaseMelika Amadoda eVirgo Amabhaso kunye neMbeko Kwi-2009, 'uMbutho weSizwe woMsasazi' wazisa uRamsey 'ngeMbasa kaMarconi.' Waye wanyuselwa kwi 'NAB Broadcasting Hall of Fame' (exhaswa yi 'ASCAP') kwi2013 eLas Vegas nakwi 'National Radio Hall of Fame' kwi2015. Ukugxeka I-Ramsey '' indlela ye-snowball yamatyala '' igxekwe ngokubanzi, njengoko iingcali zifumanise ukuba iyasilela kwisizathu sayo. Nangona kunjalo, zombini 'iHarvard Business School' kunye 'neKellogg School of Management' bafumanise ukuba indlela ye-snowball iluncedo kubatyali mali. Umbhali uHelaine Olen ugxeke ubalo lukaRamsey olucebisa ukuba abatyali mali bangafumana umyinge we-12% wobuyiso lonyaka ngale ndlela, esithi 'iphezulu ngokungenangqiqo. Ngokwenkampani ecebisa ngezemali notyalo-mali 'iMotley Fool,' le ndlela inciphisa utyalomali lwabatyali xa bethatha umhlalaphantsi. Ngo-2010, uRamsey wagxekwa ngenxa yekhaya lakhe elitsha. Wazithethelela kwimidiya yoluntu, esithi ipropathi yayiyinxalenye encinci yexabiso lakhe kwaye intlawulo yenziwa ngemali. Usapho kunye noBomi baBakho URamsey watshata noSharon Ramsey ngoJuni 26, 1982. Banabantwana abathathu: UDenise Ramsey, uRachel Cruze, noDaniel Ramsey. Intsapho ihlala eNashville, eTennessee. Intombi yakhe, uRachel Cruze, ukwangumbhali wezezimali kunye nesithethi. Wabhala incwadi ethi 'Smart Money Smart Kids' kunye noRamsey. URamsey ngumKristu ozinikeleyo kwiVangeli. Twitter Youtube I-Instagram
