WQRT picks up Savage

[brian65]

Personally speaking, this swap is terrible.

I often enjoy listening to Savage in the evenings. Now I won't be able to hear him at all (in Southern Clermont County..Batavia is not in southern Clermont).

I can't stand Ramsey or his callers. I can't believe someone at 550 thinks this would be an improved schedule.

 

[stereolane]

Here, Here!

Amen, amen, and another big AMEN !!!!

 

[jry]

Personally speaking, this swap is terrible.

I often enjoy listening to Savage in the evenings. Now I won't be able to hear him at all (in Southern Clermont County..Batavia is not in southern Clermont).

I can't stand Ramsey or his callers. I can't believe someone at 550 thinks this would be an improved schedule.

No, I believe 55 thought this would send 1160 packing.
You can always listen to Savage through the real talk website.
Yes, Xtra, Dave is the real deal, spot on.

 

[del_griffith]

With regard to the integrity of the ELP's, it is more an ELP with integirty than the program. The ELP program seems to be one of the blind spots with regard to Dave. And yes, overall, he does seem to run his organization with higher levels of integrity than many business folks. And yes, if you do his program you will get out of debt and begin to build wealth. It will work if you do the work. Living proof.

I don't know the specifics of Dave's financial advice other than what I've heard on the air, but for the most part he hits the nail on the head. When people see immigrants who came here and are able to accumulate a good chunk of wealth, they are basically using the same techniques. A couple of clients of mine have accumulated very nice little nest eggs by basically shunning debt in their personal lives, and in their business lives taking on debt only when absolutely necessary and paying it off as quickly as they can. Many successful family-run companies operate this way such as White Castle and the Wolfes/Dispatch/WBNS/WTHR.

Anyway, this is a long-winded way of saying that Dave is 100% on the money.

It's mostly common sense. Spend less than you make. Save for long term and short term needs. Have proper risk shifting programs in place (insurance). Don't try to keep up with the Jones. Have a plan for your money. Be low risk.

He has a baby step program that he recommends you follow that is essentially a priority program.

If behind in your bills, get current, then.
Save $1000 as an emergency fund so you don't have to use credit any more, then
Begin paying off all your consumer debt using a debt snowball method, then
Save an additional 3-6 months to have what he calls a fully funded emergency fund, then
Save 15% toward retirement. 15% whether you have a pension or other program, then
Save toward college funding if you have children, then
pay off your home by making extra payment toward the mortgage. (above three can be done in concert with each other, but do it in order, not blend all three. For example, if you can't fund 15% toward retirement, but are saving for college or pre-paying the mortgage, do the retirement funding first.)
Finally, when debt free begin investing external of retirement.

There are nuances, but that's essentially it. As long as you are healthy and have some sort of income, you can succeed by long term by doing this.

 

[del_griffith]

Personally speaking, this swap is terrible.

I often enjoy listening to Savage in the evenings. Now I won't be able to hear him at all (in Southern Clermont County..Batavia is not in southern Clermont).

I can't stand Ramsey or his callers. I can't believe someone at 550 thinks this would be an improved schedule.

No, I believe 55 thought this would send 1160 packing.
You can always listen to Savage through the real talk website.
Yes, Xtra, Dave is the real deal, spot on.

I was thinking about this earlier, and you're probably right. You probably provide just enough noise to 550 that you're an issue. So why not cripple you where they can. My guess is this isn't as much a Dave issue (I would think he would prefer to be carried live) as a Clear Channel issue. Well maybe it's an joint effort. Dave and company has been working hard with groups owners even to the extent of incentives. HE already has a deal with Cumulus. I'm sure that if he doesn't have a corporate deal with CC, he's working hard on it. Probably smart business on his behalf, but it leaves some owners who have stood by him for years left holding the bag with a long term show now no longer in the line up.

And Dave fans are rabid fans.

 

[major]

Give me Clark Howard over Ramsey any day.

 

[stereolane]

Dave Ramsey Show social engineering:

*Keep the simple-minded and stupid where they belong. Don't even think about showing "joe six pack" how to invest, build wealth, or take risks to start his / her own business...just get a job, any job... and be happy you have one.

*Put all of your money into the sucker's game known as "401K", but don't play in the stock market beyond that. You are too ignorant to understand how the market functions.

*Don't spend money on education to improve your skills because it's impossible for people of your ilk. College? That's crazy talk! You'll be in debt for years, and higher education gets you nowhere!

*Short sale that nice 4-bedroom colonial, and move your wife and four kids into a debt free doublewide. (My favorite call to Ramsey was one where the guy ended up divorced because Dave told him to sell the family home. Hilarious!) :

 

[major]

Dave Ramsey Show social engineering:

*Keep the simple-minded and stupid where they belong. Don't even think about showing "joe six pack" how to invest, build wealth, or take risks to start his / her own business...just get a job, any job... and be happy you have one.

*Put all of your money into the sucker's game known as "401K", but don't play in the stock market beyond that. You are too ignorant to understand how the market functions.

*Don't spend money on education to improve your skills because it's impossible for people of your ilk. College? That's crazy talk! You'll be in debt for years, and higher education gets you nowhere!

*Short sale that nice 4-bedroom colonial, and move your wife and four kids into a debt free doublewide. (My favorite call to Ramsey was one where the guy ended up divorced because Dave told him to sell the family home. Hilarious!) :

Wow! Did you ever NAIL IT! Thats' why I don't like Ramsey, but I could not have done a more eloquent job of describing it.

 

[XtraXtra]

Dave Ramsey Show social engineering:

*Keep the simple-minded and stupid where they belong. Don't even think about showing "joe six pack" how to invest, build wealth, or take risks to start his / her own business...just get a job, any job... and be happy you have one.

*Put all of your money into the sucker's game known as "401K", but don't play in the stock market beyond that. You are too ignorant to understand how the market functions.

*Don't spend money on education to improve your skills because it's impossible for people of your ilk. College? That's crazy talk! You'll be in debt for years, and higher education gets you nowhere!

*Short sale that nice 4-bedroom colonial, and move your wife and four kids into a debt free doublewide. (My favorite call to Ramsey was one where the guy ended up divorced because Dave told him to sell the family home. Hilarious!) :

I think you're trying to caricature Dave. I know a guy worth a lot more most people could ever hope to be worth, who used to be a construction worker and basically got there using Dave's techniques, about 30 years before there was a Dave on the radio. I think the big part of Dave's advice that resonates is that when you take on debt, you are 1) increasing your risk of going belly up; and 2) accumulating wealth for the bank instead of yourself. Plus, having to write out a check for a car instead of making payments tends to focus the mind. Do you really need the leather and the Bose stereo?

You listed some of the more extreme things people are saying lately, like not going to college. I agree it is stupid but I think the point is that if you can make more money as a plumber or a diesel mechanic, why spin your wheels sitting at a desk if that's not what your skill set is? I don't think that's bad advice.

One thing that isn't mentioned, though. You can't get there with saving alone. You have to invest money saved somewhere that will generate income.

 

[del_griffith]

And to clarify college, I don't think I've ever heard him say he isn't against ongoing education. I have heard him wonder why someone is spending a ton of money going to a private school to pursue a career that doesn't pay well when they could go to a public school and recapture the cost of the education much quicker.

And yes, his program is simplistic. Simplistic because it minimizes risk. It is a slow but secure way to build wealth. There are faster ways to wealth creation. I can't think of any that has lower risk. Maybe there are. I am just not aware of them.

As I noted earlier, I think the ELP program is an area that is something of a blindside for Dave. Policing of that area could be improved. And he will use a source but only select the facts that fit his need. For example, Dave says do what millionaires do and cites the Millionaire Next Door often. Yes, the Millionaire Next Door typically lives below their means. Yes, they save and invest. Yes, they buy value. But you will also find that most millionaires have a credit card. That last item is never mentioned.

BTW, I know it was written as hyperbole, but he wouldn't recommend a double wide.

 

[borderblaster]

If someone were to start at the beginning using those principles they would be well ahead on money. Trying to change to that system in your 40s and 50s is much more difficult

 

[XtraXtra]

And to clarify college, I don't think I've ever heard him say he isn't against ongoing education. I have heard him wonder why someone is spending a ton of money going to a private school to pursue a career that doesn't pay well when they could go to a public school and recapture the cost of the education much quicker.

And yes, his program is simplistic. Simplistic because it minimizes risk. It is a slow but secure way to build wealth. There are faster ways to wealth creation. I can't think of any that has lower risk. Maybe there are. I am just not aware of them.

As I noted earlier, I think the ELP program is an area that is something of a blindside for Dave. Policing of that area could be improved. And he will use a source but only select the facts that fit his need. For example, Dave says do what millionaires do and cites the Millionaire Next Door often. Yes, the Millionaire Next Door typically lives below their means. Yes, they save and invest. Yes, they buy value. But you will also find that most millionaires have a credit card. That last item is never mentioned.

BTW, I know it was written as hyperbole, but he wouldn't recommend a double wide.

The "Millionaire Next Door" works-I've seen it in person. But if you really want to read an interesting book read the sequel, "The Millionaire Mind". I highly recommend it - and I'm not much of a book reader. There are a lot of life lessons even non-millionaires can pull out from that book.

 

[del_griffith]

If someone were to start at the beginning using those principles they would be well ahead on money. Trying to change to that system in your 40s and 50s is much more difficult

Oh absolutely time is likely against you. But sometimes you've just got to start somewhere. And getting started can build a foundation for other things that may not be apparent when you start.

 

[brian65]

This thread has gotten off track.

To get it realigned I will again state that this is a bonehead move in replacing a vibrant, critical, intelligent and bold talk show host with a guy whose every program says the same things to the same idiots who should already know whatever information Ramsey will tell them.

....and in a huge Election Year as well. ???

 

[stereolane]

This thread has gotten off track.

To get it realigned I will again state that this is a bonehead move in replacing a vibrant, critical, intelligent and bold talk show host with a guy whose every program says the same things to the same idiots who should already know whatever information Ramsey will tell them.

....and in a huge Election Year as well. ???

While I agree with you, I have grown tired of Savage constantly promoting his book... a work of fiction, which from his own description, sounds like salacious drivel. I honestly couldn't care LESS. The segments about cooking and nuitrition can drag on too long as well. This is why I believe he's losing affiliates.

But I will say it again, paraphrasing my old PD: You can't play "reruns" of a current events talk show. We stuck by this rule... there were no "best of's" no "encore presentations" "shows from the day before" or anything like that. I think the only exception was a weekend overnight slot where we replayed Bruce Williams.

I am sure that some narrow minded drone who's paychecks are signed by Lew Dickey or John Hogan will be along here in a minute to tell us why "it doesn't matter" :

 

[borderblaster]

I'm going to agree on not delaying current events driven shows. You could delay Clark Howard or Dave Ramsey for months if you wanted to, but even a delay of Sean Hannity's show from late afternoon to evenings sounds outdated..especially when news is breaking. The most ridiculous example is WHIO AM 1290 AND NOW 95.7FM delaying a half hour of Neal Boortz's Information Overload Hour to the 8:35-9am slot the next day. All morning they are talking about bill # xxxxx that passed the Senate yesterday, and at 8:35 Jamie Dupree is talking to Boortz about "a vote is going to take place on Bill #xxxxx today.

 

[jry]

This thread has gotten off track.

To get it realigned I will again state that this is a bonehead move in replacing a vibrant, critical, intelligent and bold talk show host with a guy whose every program says the same things to the same idiots who should already know whatever information Ramsey will tell them.

....and in a huge Election Year as well. ???

While I agree with you, I have grown tired of Savage constantly promoting his book... a work of fiction, which from his own description, sounds like salacious drivel. I honestly couldn't care LESS. The segments about cooking and nuitrition can drag on too long as well. This is why I believe he's losing affiliates.

But I will say it again, paraphrasing my old PD: You can't play "reruns" of a current events talk show. We stuck by this rule... there were no "best of's" no "encore presentations" "shows from the day before" or anything like that. I think the only exception was a weekend overnight slot where we replayed Bruce Williams.

I am sure that some narrow minded drone who's paychecks are signed by Lew Dickey or John Hogan will be along here in a minute to tell us why "it doesn't matter" :

I always go for live when i can. However, Rush still hits the best of and, now, WJR does that as well.
Savage has shown that his show at Noon, works well. We'll see.

 

[del_griffith]

You were the last person I would expect to get a check from Lew Dickey or John Hogan. ;D

But good luck with your move. I'm always on the side of a small operator hanging tough and making it work.

 

[jfrancispastirchak]

Michael Savage

Today's Ballistic Bad Boy, tomorrow's poster child for anger management.