Vote Wisely: Demand Honesty & Integrity

DAVE'S eNEWSLETTER November 2012 | DAVERAMSEY.COM | View this email online? Click Here. | Forward to a friend

By this point in an election year, you might find yourself overwhelmed by politics—the advertisements, the polls, the news coverage. With all that noise, it's easy for folks to come up with excuses for not voting: "America is too divided," or "I can't get behind any of the candidates," or "My vote doesn't even matter." Maybe those excuses are starting to sound pretty reasonable to you now. But as best-selling author and speaker Andy Andrews pointed out in an interview with Dave, if we are concerned at all about our country and its future, we must pay attention to the election and use our votes wisely. Read more. Inheritance Issues: The Risk of Unreasonable Expectations A recent study shows almost 40% of kids and young adults expect to receive an inheritance from their parents and don't believe they need to save for retirement. Ouch! Learn how you and Generation Z can be ready for the future. Two Tricks to Sell an Unsellable House The housing market is slowly making a comeback, with sales improving and home prices sneaking back up. But plenty of homeowners are still unable to sell their homes. We've got a few ideas to help speed up that process. Get Youth Talking With the Brand-New Generation Change Teens and young adults are signing up for debt in amounts our country has never seen before. They need to learn what God has to say about money, and how money works. Generation Change is the perfect place to get started. DaveRamsey.com Month in Review • 7 Scary Money Movies • 5 NFL Players Who Succeeded After Football • October: The Most Critical Month of the Year • Martha's Recipe: Fresh Apple Cake with Praline Frosting Dave's Money Tools Other Great Tools Totally redesigned and easy to use! Start taking control of your money with the online Gazelle Budget tool! Learn more! The Goal Tracker The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Also Included in This Issue: Stupid Tax: Rent-to-Own Computer Purchase We Did It!: Debt Free and Starting New Adventures Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Living a Legacy November 7, 2012 – Seattle, WA February 6, 2013 – Knoxville, TN March 7, 2013 – Las Vegas, NV April 24, 2013 – Des Moines, IA May 16, 2013 – Cincinnati, OH Want to bring one of Dave's speakers to your group or event? Find out how. Radio Affiliates Find a station near you! There are more than 500 affiliates nationwide. City & State Radio Station Air Times Newark, NY WACK-AM 1420 M–F, 1–3 p.m. ET Falls Church, VA  WFAX-AM 1220 M–F, 2–4 p.m. ET Vicksburg, MS WVBG-AM 1490 M–F, 10–11 p.m. & 7–9 p.m. CT Farmington, NM KENN-AM 1390 M–F, 9–11 p.m. MT Cortez, CO KVFC-AM 740 M–F, 9–11 p.m. MT Branson, MO KRZK-FM 106.3 M–F, 2–5 p.m. CT New Bern, NC WNOS-FM 105.9 & WNOS-AM 1450 M–F, 2–5 p.m. ET Albuquerque, NM KIVA-AM 1600 M–F, 1–4 p.m. MT

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