Find Your Pros!:
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, and Chris Hogan, Christy Wright and Chris Brown —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!
Learn poker and apply Day trading mindset to the cards.
Rake in 20$- 100$ per hour
Playing very conservative and winning small pots with low risk.
Then invest winnings or save it in High yield savings account.
Invested in Trading with my savings of 30k with Shelby Alvani. Then a terrible turn of events happened and I lost my house and my car but Thankfully, the money i had invested saved my life and is still doing so till this day and i now have a better car and house. Lesson: remember to always invest for the rainy days because it will come
OUT performing is nice but at what risk or what fees are you paying to outperform and when you figure out what you would have in MONEY when your fees are taken out of the money you made and you probably made LESS. % is one thing but then look at the bottom line what the index would have given back to you and the fund fees and then at YOUR Mutual Funds and see what MONEY is in the account after all the fees front end and back end etc and you will may see you have less money in the account.
I made my first million from investing in Trading as a beginner, this expert is Mrs Terriese White, we met at a trading conference and she accepted to trade for me, I've had no course to regret ever since
I'm learning more from the comments than from these videos. I don't get his cocky, flippant attitude towards people who are trying to learn and understand what they don't know. No one is stupid. No one cares about his millions and millions of dollars that he's always throwing I'm his listeners faces. You don't need millions to be financially secure or to live well in retirement. Everyone is not going to be a millionaire. Tell people how to manage their hundreds and thousands.
Warren Buffet, most successful investor of all time, went from normal to top 10 richest people solely by investing well, says the best advice for 90% of people is passive index funds.
Dave Ramsey a guy who has "several million dollars" in mutual funds, says investing is like horse racing.
Now who should I listen to :/
For me, the best way is to use a retirement counselor that charges nothing, pays out 5% annually for the rest of your life no matter if money runs out provided by a rider, and the best part, no wall street and no risk whatsoever.
I'm not going to argue about whether or not he knows what he's talking about he may be really good at getting out of debt he may be really good at investing strategies maybe he's not good at one of the other I don't know I've only seen a couple videos however and I kind of understand where it comes from on this being as I used to be a taxi driver and it's hard to deal with people but still I think you could be a little less condescending about how people handle their money
EVERYONE IN THE COMMENTS SECTION
Here is some truth. Dont sit on your hands and argue about mutual funds or index funds. Just pick one and invest. Or split your investment and do both. 5% return is still better than your money laying in the top drawer of your dresser.
I find you to be a solid as can be investor your way will grow a great investment. I wish I found you when I was young starting out. I’m 51 no retirement so I’ll end up working until my last day on earth. That’s ok. But I will show my kids the truth about money. You are my Noah of money all these trolls can troll all they want but when the doors close they won’t be trolling more like treading water.
This might be a dumb question but i have had trouble finding the answer: Why should i start a roth IRA when i could invest with an app like STASH which i can take money out of without the %20 penalty at any time? The roth ira invests in the same market but seems to have a lot more penalties involved if you want to remove it before retirement age.
I know i am wrong. I am just looking for someone to tell me how I am.
Some mutual funds may beat the S&P on some years & those same mutual funds may underperform the S&P, Thats why in the disclaimer it says"Past performance does not prove future results". Or something like that(LOL).
If such great mutual funds exist please share them, because to me it seems you have amazing advise about saving but no advise about investing. That is because all you net worth is from talking and your books. Most people want to know the wining horse and you dont know you just tell them they can win and keep playing,. That's negligent by far!
My God, he's not saying "DONT INVEST IN INDEX FUNDS!" He's literally telling you what HE did and what got other people rich. There's no arguing that it doesn't work. If you have what you know to be a more efficient way of investing, I'm sure Dave would be all for you.
Really like Dave's advice on most things, but he loses me on mutual funds. Index funds still charge a fee, it is just very minimal compared to actively managed mutual funds. There are people out there that consistently beat the market, like Warren Buffet or Peter Lynch, but those people are few and far between and whose to say you will have access to them. Many of the smart ones don't want to trouble themselves with the regulations involved with small investors and refuse to structure their funds to accept everyday investors so instead create hedge funds. It is better to invest in the benchmark rather than trying to beat it if you are the little guy.
Sure the S&P has been on fire earning many people 12+% the last 7 years or so thanks to MARKET MANIPULATION by the federal reserve ..,. Quantitative Easing (QE) if you don't understand what that is look it up. It's essentially an anabolic steroid injection for the market that yields diminishing returns the more it's used (see Japan's experiment with it). That party is now over and the reverse is happening along with rising interest rates. The days of 12+% return on funds that track the S&P are over. His closing statement however was good. "You've got to understand what's going on out there in the real estate world and the investing world."
Wow. Dave is outstanding on debt free living. Kudos. Investing? After listening carefully to this video I got the impression he's never read a quality book on investing. "Rocket Surgery?" Uh, what's that? Dave, we need more highly intelligent research brought to bear on the science in investing. Passive investing beats all, as most all economists teach. We conclude that not because we "heard a talk" or "saw something on the internet." Oh, I get it. You're selling something. You've done well with your other material. Please stick to your area of expertise.
96% of all mutual funds in U.S. (about 5000) cannot beat the market (index S&P 500) after fees and the 4% that can is not the same every year!! Of course there are mutual funds that are great and have been winning the markets, but even they cannot do it every year! Warren Buffett put a $1 million bet that in a period of 10 years 10 different mutual funds cannot beat the market. The period is not over but until now he's winning!!
I only invest in gold and silver. Our dollar is worth a whopping. $0.04 and it will collapse. A lot of risk in the stock market. Libor is ending. A lot of countries are dumping the dollar. Every large country is buying massive amounts of gold. What's coming is a collapse of the global debt system. Your 401k will be worth nothing soon.
All my life i have never seen a way better than investing in Crypto trading
Most people loose and cause panic to others because they lack the right experience and they don't let an expert like
Mr Shaw Brandon trade for them
Since Mr Shaw started managing my trades i have never lost, 17 wins in a row
BY THE WAY IT'S NOT 12% ON YOUR MONEY...THERE'S FRONT LOAD COST, EXPENSE RATIO, EVERY TIME THEY SELL TO KEEP YOU AT 12% THERE'S TURN OVER COST, AND THEN THERE''S INFLATION AND GOOD OL' UNCLE SAM. MORE LIKE 7% AFTER ALL THOSE CHARGES.
HOW DO YOU THINK THOSE MANAGERS GET PAYED???
Chris Malcon Hi Chris, are you still working with her? She sent me a link to website called itradeslive which seems to be a glorious scam. She also said that she would help me to copy her trades. What has been your experience with her? Thanks
I bought Netflix at IPO. I guess I am a genius. I guess I should have my own talk show too.
No but seriously mutual funds can be a small part of your total wealth allocation but it should not be the majority of your stock holdings.
ok so as someone who is new to investing, i am very confused as to why you talked about mutual funds for the first 3+ minutes of the video. i clicked on this video to learn about ways to invest but you just come out of the gate talking about something when you should just assume we know nothing. not hating, great video man
You do not need to calculate payroll premium if your policy is on a stipulated billing cycle.
Sample Payroll Report.
However, if your policy is not yet on a stipulated billing cycle, this is typically what you will see when we send you a payroll report.
A split payroll report is sent when there is an Anniversary Rating Date on your policy, which is the month and day that rates, rating plans and rating systems are initially applied to a policy in force and each annual anniversary thereafter. Your payroll will need to be annotated for each period specified.
Sample Split Payroll Report.
We will need a complete employee job description before we add the classification to the policy. Please do not report payroll in the new classification until it has been reviewed and endorsed to your policy.
Job Duties Questionnaire.
We recommend you keep a copy of your previous payroll reports and payroll records for at least seven years, as you would your tax records.
Submitting Payroll Reports.
There are three different ways to submit your payroll reports.
State Compensation Insurance Fund P.O. Box 7441 San Francisco, CA 94120-7441.
Free payroll reports.