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Personal Finance Smackdown: Clark Howard vs. Dave Ramsey

I think both have some problems with their advice, let's face it there is a limit of what you can do in a short call. I think Ramsey under estimates how hard it is getting a job sometimes. Pizza delivery? Car insurance? you don't think your car insurance would be impacted?? etc.

Howard leaves me cold with that voice and his boring presentation, The women on TV,,,can not remember her name, also has a preachy manor and voice, and she recommended have some gold..can you find your gold in a flood or a fire?? to each his own, I guess.

Some of the mortgage stuff is very complex and is based on the state people live in, so much of the advice is suspect in my opinion.
 
wadio said:
What makes Clark Howard's show interesting is that he's up on so many different subjects, especially technology, where you can really learn something about cell phone services, cable TV alternatives, automotive breakthroughs, alarm systems, modular homes, etc. etc.

Ramsey, OTOH, does little more than beat the "debt free" drum non stop -- how often can you hear that same scenario before changing the station? Also Clark Howard doesn't "lecture" the way Ramsey does. I can't stand people who are too eager to tell others how to live their lives.
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I personally like Clark and his advice better than Ramsey's, but Clark's presentation is a bit geeky. Ramsey seems to have a more loyal audience and probably because he ties the faith aspect into more effectively. He keeps it secular enough to be on secular stations, but incorporate Jesus in the right amounts and people tend to latch on instead of turn away.
 
Dave Ramsey includes some politics and perosnal opinions with his show. Clark Howard has never said anything I didn't already know. Both, however, pale compared to the now-retired Bruce Williams.

"You don't have a Roth IRA? (dejected sigh)"
 
I've never listened to Clark Howard. I'm a Ramsey fan and usually tune in a few times per week, but there's no way I could listen for all three hours. Every hour basically stands on its own and they're all similar. I usually listen to hear different situations, see what I think and use the show as motivation to never return to debt again. Ever.
 
Suzie Orman is another player, more on TV than radio, then there is Rick Edelman as well. The people that put more in stocks did better than people with more in their homes in most parts of the country.

Kiss Keep it simple stupid, do not put all your eggs in one baslet.
 
I enjoy Clark Howard and Ric Eddleman but find both Dave Ramsey and Suze "Big Mouth" Orman to be among the most annoying human beings on the planet. I'm not sure I can articulate exactly why. I think it's because their "advice" is so pedestrian. "If you spend more money than you make you're in debt ... bla bla bla." Duh! We get it. I don't think this needs to be said over and over and over and over again.

Howard gets into specifics about how to save money and Eddleman discusses market trends that might be helpful in making investment decisions. It's a broader scope. Ramsey and Orman are broken records and dull ones at that.
 
wadio said:
I enjoy Clark Howard and Ric Eddleman but find both Dave Ramsey and Suze "Big Mouth" Orman to be among the most annoying human beings on the planet. I'm not sure I can articulate exactly why. I think it's because their "advice" is so pedestrian. "If you spend more money than you make you're in debt ... bla bla bla." Duh! We get it. I don't think this needs to be said over and over and over and over again.

Howard gets into specifics about how to save money and Eddleman discusses market trends that might be helpful in making investment decisions. It's a broader scope. Ramsey and Orman are broken records and dull ones at that.
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Apparently not. It's amazing the number of households that are in the same trouble as the government, except the government to a point can tax and print money to get out of it.

But yes, just as people are at different points in their life, they are different points in their financial positions or need for information.

I find Clark's information more useful on day to day stuff. I also get useful info from Edelman and the Mutual Store Fund guy.
 
ProducerGuy said:
I heard something about Bruce Williams coming out of retirement a while back. Any word on that?
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I seem to remember it was for a podcast?

Ok. Found his web site. It streams 2-3 live and podcasts are available.
 
I wouldn't trust Dave Ramsey's personal Finance advice. Dave's a fan of home based businesses and multi level marketing. I once heard him tell a caller these opportunities were legitimate. Dave didn't tell the caller that most multi level marketing involves paying a hefty entry fee in order to participate. I know Prepaid Legal always encourages their people to attend seminars to hear motivational speakers hype the business. Many people attending these seminars don't realize motivational speakers make at least 2000 dollars per event. I'm not telling anyone how to spend their money. Just beware of multi level marketing frauds.
 
del_griffith said:
ProducerGuy said:
I heard something about Bruce Williams coming out of retirement a while back. Any word on that?
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I seem to remember it was for a podcast?

Ok. Found his web site. It streams 2-3 live and podcasts are available.
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Yeah, but there were plans to go back on real radio if I recall. I actually applied for a producer gig with them. Maybe they didn't go through with the plan. Would explain why I never heard back. It's a shame, too. Producing for Bruce would be the best gig I'd ever hope for.
 
WSB moved Clark from afternoons to evening to make room for Rush, so that may explain why his ratings are down. But their big concern may be the morning time period with Herman Cain taking over from Neal Boortz. That is a major void to fill. While Clark has excellent and informative advice, Dave's show is more entertaining.
 
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