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

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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Winston Westbrook
Westbrook National Real Estate Co - Victorville, CA

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!

Apr 27, 2009 08:45 AM #1
Eileen Musser
no longer in real estate - York, PA
EX Realtor

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.


Apr 27, 2009 08:50 AM #2
Josh Murphy
Windermere Peninsula Properties - Belfair, WA
Belfair WA Real Estate, 360-710-3972

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

Apr 27, 2009 08:53 AM #3
Bettina Settles
Greenwood, IN
Your Indiana Connection

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


Apr 27, 2009 08:54 AM #4
Tina Maraj
RE/MAX North Orange County - Fullerton, CA
#1 Selling Agent in Fullerton 2016 714-403-7901

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

Apr 27, 2009 09:20 AM #5
Toula Rosebrock
Diane Turton, Realtors, Forked River, NJ - Lacey Township, NJ
Broker/Sales Associate, Realtor, Lacey Township,

ToulaRosebrock,comHi Anne:

Great analogy about credit.

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

Apr 27, 2009 11:45 AM #6
Sheldon Neal
Bergen County, NJ - RE/MAX Real Estate Limited - Maywood, NJ
That British Agent Bergen County NJ

I like that 3 step plan Anne !

Sounds like Mr Ramsey knows his stuff !!!!

Cheers Anne !


Apr 27, 2009 11:51 AM #7
Laura Giannotta
Keller Williams Realty - Atlantic Shore - Little Egg Harbor, NJ
Your Realtor Down the 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. 

Apr 27, 2009 12:30 PM #8
Kristin Moran
Owner - RE/MAX Access - KristinMoran@Remax.net - San Antonio, TX
San Antonio,TX - Real Estate - 210-313-7397

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!

Apr 27, 2009 01:46 PM #9
Gary Woltal
Keller Williams Realty - Flower Mound, TX
Assoc. Broker Realtor SFR Dallas Ft. Worth

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.

Apr 27, 2009 03:31 PM #10
Greg Nino
RE/MAX Compass, formerly RE/MAX WHP - Houston, TX
Houston, Texas

good for Dave, good for u.

Apr 27, 2009 04:22 PM #11
Tom Boos
Sine & Monaghan Realtors, Real Living - Grosse Pointe Farms, MI
Providing the very best of service to Sellers and

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

Apr 28, 2009 03:07 AM #12
David Width Jr.
Little Egg Harbor, NJ

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

Apr 28, 2009 03:29 AM #13
Mary Douglas
United Country Ponderosa Realty, Red Feather Lakes, Colorado - Red Feather Lakes, CO
REALTOR, Red Feather Lakes, Colorado

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

Apr 28, 2009 01:31 PM #14
Bruce Brockmeier
Internet Marketing Consultant to REALTORS® - Yorba Linda, CA
Coached By Crouch

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!  :)

Apr 28, 2009 04:16 PM #15
The Rains Team
Keller Williams Realty Atlanta Partners - Hoschton, GA
A higher standard in real estate

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!

Apr 29, 2009 12:59 AM #16
Charles Perkins
Charles G. Perkins, CPA - Burien, WA

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.

Sep 08, 2009 06:48 PM #17
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