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Megan is $28,000 in debt and only bring home about $27,000. She realizes she needs to pay off her debt and asks Dave where she should start.

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Welcome to The Dave Ramsey Show like you’ve never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave’s producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you’ll see exclusive content from people like Rachel Cruze, Chris Hogan, and Christy Wright —as well as all kinds of other video pieces that we’ll unveil every day.

The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!

If you had the damned money, you’d have paid it all off by now. I know this. So instead of telling you ways to scrounge up enough money to pay off your debts, I hope to convince you not to pay anything you cannot afford. I want you to keep as much of your stuff as possible while paying as little as possible of your own hard-earned cash. Most books that claim to be about getting out of debt are really just about good old-fashioned financial prudence. This one is not. It’s too late for that now. The Great Recession lingers, and even as our global financial institutions sit atop massive piles of taxpayer-funded bailout dollars, the ordinary people of America continue to struggle. Time for your bailout. Here is very simple, very practical, and most importantly a very realistic guide to the American legal process of enforcing debts. I am a debtor’s lawyer. This is what I do. Everything in this book comes from personal experience. I have helped hundreds of clients solve every sort of financial problem that people can encounter, and I have packed all of these lessons into this book. If you ever wanted to know things like: What happens if you don’t pay a debt? How do you fix broken credit? How can you keep your home from being foreclosed? What can I do about my student loans? Can they take my dog? Is bankruptcy a good idea or a horrible idea? What if I let the bank foreclose on my home? Will I ever be able to buy a car again? This book is for you.

Sally was drowning in debt, the type of debt with no way out. Her naivety and kind nature had led to her being taken advantage of at every turn. The lawyer for the card company added to her debt before pursuing her. He had his own secrets and issues, but he made her heart race and her body respond. Should she choose him, or his bitter rival, a complex and fascinating man who’d take great delight in breaking up her burgeoning romance, convincing Sally he was the better man? She had to learn the hard way that rich men are ruthless, play in their world at your own risk. Which one is a Knight in shining armour and which one is the Devil incarnate?

Greece isn’t the only country drowning in debt. The Debt Supercycle—when the easily managed, decades-long growth of debt results in a massive sovereign debt and credit crisis—is affecting developed countries around the world, including the United States. For these countries, there are only two options, and neither is good—restructure the debt or reduce it through austerity measures. Endgame details the Debt Supercycle and the sovereign debt crisis, and shows that, while there are no good choices, the worst choice would be to ignore the deleveraging resulting from the credit crisis. The book:Reveals why the world economy is in for an extended period of sluggish growth, high unemployment, and volatile markets punctuated by persistent recessionsReviews global markets, trends in population, government policies, and currencies

Around the world, countries are faced with difficult choices. Endgame provides a framework for making those choices.

Q&A with Authors John Mauldin and Jonathan Tepper

Author John Mauldin What is the debt supercycle?
Over a period of about sixty years, debt levels grew faster than incomes. This increase in debt became particularly pronounced in the 1980s, 90s and finally went parabolic after the Federal Reserve lowered interest rates to 1% after the Nasdaq crash. The increase in debt was not just a US phenomenon. As interest rates fell structurally with the fall in inflation from 1982 onwards, people took on more debt because it became more manageable. However, by 2008 the burden of debt became too much to bear and the debt supercycle came to an end. People started deleveraging and banks started collapsing due to low levels of capital and large losses from loans people couldn’t pay back.

How does the sovereign debt crisis play into this?
The rapid contraction in debt levels due to default and deleveraging lead to a fall in economic activity as people started saving and cutting spending. Governments immediately stepped in and backed bank debt with explicit guarantees. Governments also started borrowing and spending to transfer money to the private sector, for example via unemployment insurance. So in a very real sense, private borrowing was replaced with public borrowing. Debt was added onto more debt. Rather than free itself of debt, the system now has more debt. The sovereign debt crisis is the recognition that most of this debt will not be paid back, and governments are making promises to pay debt and other obligations, for example general spending and pensions, that they simply lack the ability to fulfill.

Author Jonathan Tepper The end of the debt supercycle and the beginning of the sovereign debt crisis present problems and challenges for investors and governments. Governments will need to either 1) inflate, 2) default or 3) devalue, which is similar to inflate. That is the way governments have historically dealt with too much debt. Some countries will experience deflation and others inflation, depending on what choices governments make. Currently governments have only bad and worse choices. Let’s hope they can choose wisely.

What do you predict for the next ten years?
Central banks globally have shown a predisposition to print money to solve problems. We forsee rising inflation in many parts of the world, reductions in real income as people lose purchasing power due to higher food and fuel prices and more macroeconomic volatility. Some countries that do not control their own money supply or are running pegs may experience deflation as they are forced to delever and cannot increase the money supply to counteract the weight of deleveraging.

You cite the events in Greece as an example of a country continuing to run massive deficits. Is there an example of a country making a better choice?
The UK is making some of the right steps to control spending, but even the UK could be more draconian. In nominal and real terms, government spending in aggregate will not be cut in the UK. Also, Iceland has made positive steps by defaulting on its debt effectively. Default is a good way to cure too much debt.

This distant Reiki healing will assist with clearing financial blocks so that you can experience more abundance in your life. Subscribe to my channel to receive my latest uploads. 🙂

Listen to it as many times as you feel drawn. Reiki only helps, never harms. Trust your intuition!

It’s always good to drink water after receiving energy healing to help integrate the energy!

The music is playing in the background and is separate from the healing.

You do not need headphones to listen. Just press play and receive the energy.

I do not recommend driving or operating heavy machinery while receiving energy healing because everyone is impacted differently.

This is not a substitute for medical care.

For more answers to common questions, please watch this video: https://www.youtube.com/watch?v=Bb1EA6tTWjk&t=10s

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$1 trillion is 1 with 12 zeros, not 9. We were attempting to make a joke that didn’t get edited properly! Oops lol.
Credit cards and financing is more accessible now than ever before with credit cards. However, debt is very expensive if you don’t use it wisely. Here’s what banks don’t want you to know.
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What Banks Don’t Want You To Know About Debt
0:17 – How to get all the nice things you want without paying for it today
0:35 – Financial problems and money issues are real and very serious
1:37 – Banks make money by lending
1:59 – Americans have more debt than ever
3:26 – How to get paid with credit cards
4:58 – The credit score system is one big game
6:08 – How to invest your money when you have credit card debt and get the best return

What Is The Minority Mindset?
The Minority Mindset has nothing to do with the way you look or what kind of family you’re from. It’s a mindset.

Give the majority $200 and they will come back with a pair of shoes. Give the minority $200 they will come back with $2,000.

Think from the mindset of a consumer and be the provider, that’s the Minority Mindset. Don’t be the majority. #MIH #ThinkMinority #FinancialLiteracy

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Based in Detroit. #Punjab
Jaspreet Singh

Cut Down Debt to Zero, Live Financially Free!

Can you really eliminate debt quickly?

DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt will teach you the root cause of your debt – both the false mindsets and decisions – and then you’ll find out how you can take the first steps toward financial freedom.

With the laser-like focus provided in this guide, you will find out exactly where you can apply this in your daily life and turn your financial situation around.

9/10 people don’t know how to take charge of their finances. They are in debt, have no clue and will forever be in the grip of debtors. You can learn to become FREE now! The first step is having the confidence to commit to master this area of your life – by reading this, I know you’re one of those few who.

Order DEBT FREE: How To Eliminate Debt And Live Financially Free – Frugal Living, Debt Management & Budgeting Debt now, and start reducing your debt today!

Scroll to the top and select the “BUY” button for instant order.

You’ll be so happy you did!

The 3 best personal loan companies I found online!
LightStream Loans (My #1 Pick): http://bit.ly/lightsteam_loans (I may be compensated by LightStream through this link.)

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The best personal loans I found were American Express personal loans, SoFi and LightStream Loans. I’ll cover them each in-depth. Enjoy.

Each of these personal loan lenders have pros and cons, so I’ll cover each of them and I’ll let you know how I feel about their loan options. It was very hard to find low interest personal loans online, because there are so many to choose from. But these lenders don’t charge any dirty origination fees or pre-payment penalties and they have instant approval, which is sometimes hard to find.

Personal loans can be very expensive, so watch this video and hopefully you’ll learn something new. And keep in mind that you’ve gotta have good credit to be approved for these loans. Bad credit won’t work with these lenders.

Overall I felt like American Express is the best personal loan for smaller loans with shorter lengths (like 12-36 months). They have great rates and terms, but you’ve gotta be a cardmember to qualify.

SoFi is incredible because of all their perks and transparency, but when it came down to their actual rates, they were a little higher than the competitors.

My top pick goes to LightStream Loans Because overall they have the most lending options and the best rates for larger unsecured loans. and they have au

Just remember that personal loans aren’t always the best option for loans, but if you need one, then I’d look into these three choices. Thanks

American Express Personal Loans: http://bit.ly/amex_hf
SoFi: Asked that the link be removed 🙁

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Razio Yamata is one of Japan’s most influential industrialists, and part of a relatively small group of authority who wield tremendous authority in the Pacific Rim’s economic powerhouse.

He has devised a plan to cripple the American greatness, humble the US military, and elevate Japan to a position of dominance on the world stage.

Yamata’s motivation lies in his desire to pay off a Debt of Honor to his parents and to the country he feels is responsible for their deaths — America. All he needs is a catalyst to set his plan in motion.

When the faulty gas tank on one Tennessee family’s car leads to their fiery death, an opportunistic U. S. congressman uses the occasion to rush a new trade law through the system. The law is designed to squeeze Japan economically. Instead, it provides Yamata with the leverage he needs to put his plan into action.

As Yamata’s plan begins to unfold, it becomes clear to the world that someone is launching a fully-integrated operation against the United States. There’s only one man to find out who the culprit is — Jack Ryan, the new President’s National Security Advisor. Razio Yamata is one of Japan’s most influential industrialists, and part of a relatively small group of authority who wield tremendous authority in the Pacific Rim’s economic powerhouse. He has devised a plan to cripple the American greatness, humble the U.S. military, and elevate Japan to a position of dominance on the world stage. Yamata’s motivation lies in his desire to pay off a Debt of Honor to his parents and to the country he feels is responsible for their deaths: America. All he needs is a catalyst to set his plan in motion. When the faulty gas tank on one Tennessee family’s car leads to their fiery death, an opportunistic U.S. congressman uses the occasion to rush a new trade law through the system. The law is designed to squeeze Japan economically. Instead, it provides Yamata with the leverage he needs to put his plan into action. As Yamata’s plan begins to unfold, it becomes clear to the world that someone is launching a fully integrated operation against the United States. There’s only one man to find out who the culprit is: Jack Ryan, the new president’s National Security Advisor.

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