Tim L. Ramey's Blog

Good morning and hello there again.  Hope this email finds you doing well this Monday morning and had a relaxing weekend.  Wanted to share Tim's Time Outs: Simple Formula For Living:   Live beneath your means.Return everything you borrow.Stop blaming other people.Admit it when you make a mistake ...

(TNS)—Simple math suggests it’s probably better to pay off debt before saving for retirement or adding to your emergency fund. Generally, if you’re paying more interest than you’re earning in interest, you’re losing money.But personal finance decisions are rarely so simple, and wiping out debt fi...

Hello and good morning.  Coming from beautiful Cottage Grove, MN(where we had our 1st snow on Sunday morning)  Hope this email finds you doing well and had a wonderful weekend.  Wanted to share Tim's Time Outs: REACT TO NEGATIVES POSITIVELY! When things go awry, it is often very challenging to ke...

Simple math suggests it’s probably better to pay off debt before saving for retirement or adding to your emergency fund. Generally, if you’re paying more interest than you’re earning in interest, you’re losing money.But personal finance decisions are rarely so simple, and wiping out debt first is...

Many prospective homebuyers face a big hurdle: the down payment. But coming up with that initial investment doesn't have to be a roadblock even if saving is difficult. These four options could make homeownership a reality sooner rather than later:1. Pulling from an IRA: You, your spouse, parents ...

Good morning and hello there again from BEAUTIFUL Cottage Grove, Minnesota.  Hope this email finds you doing well and had a great weekend.  Wanted to share Tim's Time Outs: Widen Your View: If you're having trouble finding an answer, it's probably because you're continuing to look where you've al...

Of all the hyperbolic new benchmarks of the American housing market (Highest-ever national home prices! Fewest-ever days on market! Most expensive teardown shack in history!), there's one key metric that seems to get the least number of blaring headlines: inventory levels. But maybe that should c...

The U.S. currently has a student debt load of over $1.4 trillion, which accounts for 10 percent of all outstanding debt and 35 percent of non-housing debt. The magnitude of the debt continues to grow in size and share of the overall debt in the economy. While this amount of debt has risen, the ho...

Good morning.  Happy Oct 1st.  Hope this email finds you well and had a great weekend.  Wanted to share Tim's Time Outs: Buckets of Blessings: Whatever and whenever negative stress is ripping your brain out, pause for a moment and reach into your "blessings bucket" For me, I know for a fact I am ...

It's hard to believe, but autumn is finally here, which means it's time once again to think about seasonal maintenance for your home or rental property. With temperatures cooling down, now is the perfect time to visit those tasks that were on the back burner during the busy summer months. Fall is...