10 Burst results for "Chris Ogm"

"chris ogm" Discussed on WWL

WWL

08:47 min | 1 year ago

"chris ogm" Discussed on WWL

"Kelly is standing ready willing and able to help you on the phone line if you prefer you can understand on social media at Ramsey show on all the social media platforms Instagram Twitter Facebook all the things at Ramsey show or you can look for me at Chris OGM three sixty out speaking of social I want to take a social media question here this one is from Rebecca who is one of our R. U. two watchers and she says I settled three deaths and I don't want it on my credit report anymore how can I get these off so when I go get a mortgage they won't see it okay so Rebecca you settled the debts now you want those to just leave your credit report so when you get a mortgage they won't see it it didn't work that way and a couple of reasons but one of the words you point out in this that jumped out at me is it says settled which means you offered them a dollar amount less than what you owed and they agreed to it and so therefore settled it which means on your credit report it's going to show settled it also marked with settled under the status however it will reflect a balance so if you owe ten thousand and you settled it for five it will still show a balance of five thousand but it will say settled up unfortunately you can't mandate windows fall off your credit report typically those are going to be on there for seven to ten years so it's not something that can magically lever you can control nor should do I think you should worry about it I think the big thing is is you have the letter that says settled you have a copy of it you have all those things you have a file it so when you get ready to get a mortgage I eat once you pay off debt get a fully funded emergency fund and then you've got about a home down payment then you're going to be ready to talk but it will not just leave so that's what that's a good question but people need to be aware also if you're out there and you say well Chris I don't know what's on my credit report how do I look at it first thing to know is that there are three credit repositories out there so there are three places that that store and in grade or rank credit it's experience trans union and Equifax R. three you were able to get a free copy of your credit report from each one of those each year out so what you would need to do is reach out and write to them if you go to the website you can do it online to get a copy of it but don't look at just one of those and think that it's showing everything there could be something showing up on Equifax that's not showing up on trans union so it's really important to be able to look at those and know exactly what's going on okay we're going to the phone lines because that's what we do if you've got a question I want you to call us the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five going to lie to I got the honey on the line and Iowa how can I help you Dave hi this is Chris secrets yes ma'am sorry your father hello I am asking because I am twenty eight my husband thirty one baby step three be saving up for houses okay we've been renting going on for us to to years of rents now and I was wondering if it was wise to continue renting could ever conceive of benefit more for down payment on a bigger house okay or if we should just start over a smaller house so that we can better retire all right I like this so you're thinking this through so what's you alls household income you were right around sixty five okay right around sixty five it is it just you and your husband well we have three kids three kids okay what are the ages of the kids five three and two months how might your busy yeah you got three kids run around you're you're busy so what size apartment are you renting right now or home right now we are in life rounded eight hundred correct right okay okay family and the dollars okay read six hundred family five intern square feet so the unusual size home you guys were thinking about was how big I mean we also corporate is right would probably be thirteen okay more or less for a hundred and thirty five thousand okay and you said all around that around that price and if you waited a little longer and said get a little bigger would you say a little bigger Donnie how big are you thinking around here probably something like more like a four bedroom three bathroom house that they gave me four one thirty five going to get like a two bedroom okay one one and a half bath so you think the four bedroom three bath would be about how much are probably closer to one seventy to two hundred around that range okay and you guys are on baby step three B. how much have you saved up for a home down payment thus far right now we have thirty five thirty five thousand yes okay you guys have been intentional and so the I'm just double checking here to honey because sometimes people get amnesia okay so I don't think that I'm questioning what I'm not I'm just going to ask just to double check you guys know any debt or anything do you okay so I like the idea listen I don't think that there's a problem your little ones get riled up or they don't like my voice or something I don't know but but here's the deal I don't think there's a problem at all for you renting it take a little bit longer to be able to save up to buffer and to boost that baby step three B. that's not a problem at all and the mindset especially here's the pressure you feel it you just had another baby two months ago and so now you're for instead of a family of four leaders square feet that your family of five and your start as mom start to think long term so the big question is is how long you're willing to wait and I want to encourage you to honey reach out to one of our real estate deal peace because when you're buying a home you don't want to make a home an emotional decision no no no no don't get me wrong there are positive emotions that come from buying the home yes and the good things that can happen but you don't want an emotional purchase you want to have your business how long you want to make a business decision and what I mean by that is you want to make a decision today but you look back on in two years and say I'm glad I made that decision I called at the hogans to your decision plant I want to think and what it means is as I raise out of my situation necessarily today but I look forward but I think what do I need to do to put myself in trajectory to my dreams and set myself up and so that's what you guys need to do do you want to buy something smaller or wait and buy something a little bit bigger but I want to remind you your mortgage payment should not be more than twenty five percent of your take home pay that's kind of a god because I've seen too many people to Heidi it up how support meaning they buy a lot of house but we can't do anything else another frustrated and irritated so I appreciate your call that's a that's a really want those things really did get at to think about so thank you for that I'm gonna go back to socialize good call Emory on Twitter ask I know you always say only refinance your mortgage to get a better rate should I ever refinance to avoid PMI on an FHA loan okay well Emery actually I don't just say refinance only refinance to get a better rate I will tell people that you can also refinance to get a better term an overall better loan so you're asking should you ever refinance to avoid PMI or if H. on an FHA loan first and foremost what would have to do is talk about what exactly is PMR what is it David mortgage insurance is P. M. Y. it's an insurance that doesn't protect you as a lender at all it didn't do anything for you you know it protects it protects the bank in the mortgage company so if you were to default it protects them now here's the kicker about PMR private mortgage insurance it can add an extra hundred fifty to three hundred fifty dollars a month to your payment so this is a big deal it could add up to be a lot of money so if you can refinance to drop PMR you're obviously saving money and if you've had this mortgage longer than three years and your refinance right now rates are extremely low right now I'm encouraging people reach out to your lender have a conversation find out if you should refinance we all know come November we've got the election coming up that's where people start having emotions and start acting weird right.

Kelly Ramsey Rebecca Instagram
"chris ogm" Discussed on WWL

WWL

01:47 min | 1 year ago

"chris ogm" Discussed on WWL

"You are listening to the Dave Ramsey show I am so excited to be with you as we walk through and we take your questions about money or maybe you've got something you've been wanting to know and so you can finally get the answer all you have to do is give us a call the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five we would love to hear from you and by the way you can find us on social it's at Ramsey show or you can send it to me at Chris OGM three sixty as well so listen I want to tell you something financial peace university has been changing lives for over twenty five years and that's a whole lot to celebrate and like we usually do around here we don't go small we go big and for the month of August we've challenged folks in baby step number two that's people that are serious they've got debt and they're ready to get their money back we've we've encouraged them if they're all baby step to to pay an extra one thousand dollars toward their debt this month and so it's part of the one thousand dollar pay off challenge now we're almost to the August finish line and we've had over get this one hundred thousand people commit to the challenge that's massive so if all of them all one hundred thousand of them pay an extra one thousand dollars toward their debt guess what that's a total of over a hundred million dollars in debt that's been deleted that's gone interest no more it's out of there and so I'm telling you there's a lot of people out there who on fire to take back their financial lives and guess what we're giving away twenty five hundred dollars yeah you heard right almost zero more time we're giving away twenty five hundred dollars.

Dave Ramsey twenty five hundred dollars one thousand dollars hundred million dollars one thousand dollar twenty five years
"chris ogm" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:36 min | 1 year ago

"chris ogm" Discussed on KTAR 92.3FM

"Wanting to know and so you can finally get the answer all you have to do is give us a call the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five we would love to hear from you and by the way you can find us on social it's at Ramsey show or you can send it to me at Chris OGM three sixty as well so listen I want to tell you something financial peace university has been changing lives for over twenty five years and that's a whole lot to celebrate and like we usually do around here we don't go small we go pick and for the month of August we've challenged folks in baby step number two that's people that are serious they've got debt they're ready to get their money back we've we've encouraged them if their own baby step to to pay an extra one thousand dollars toward their debt this month and so it's part of the one thousand dollar pay off challenge now we're almost to the August finish line and we've had over this one hundred thousand people commit to the challenge that's massive so if all of them all one hundred thousand of them pay an extra one thousand dollars toward their debt guess what that's a total of over a hundred million dollars in debt that's been deleted that's gone interest no more it's out of there and so I'm telling you there's a lot of people out there who on fire to take back their financial lives and guess what we're giving away twenty five hundred dollars yeah you heard right almost there one more time we're giving away twenty five hundred.

one thousand dollars twenty five hundred dollars hundred million dollars one thousand dollar twenty five years
"chris ogm" Discussed on KSFO-AM

KSFO-AM

01:34 min | 1 year ago

"chris ogm" Discussed on KSFO-AM

"Finally get the answer all you have to do is give us a call the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five we would love to hear from you and by the way you can find us on social it's at Ramsey show or you can send it to me at Chris OGM three sixty as well so listen I want to tell you something financial peace university has been changing lives for over twenty five years and that's a whole lot to celebrate and like we usually do around here we don't go small we go big and for the month of August we've challenged folks in baby step number two that's people that are serious they've got debt and they're ready to get their money back we've we've encouraged them if their own baby step to to pay an extra one thousand dollars toward their debt this month and so it's part of the one thousand dollar pay off challenge now we're almost all gives finish line and we've had over tip this one hundred thousand people commit to the challenge that's massive so if all of them all one hundred thousand of them pay an extra one thousand dollars toward their debt guess what that's a total of over a hundred million dollars in debt that's been deleted that's gone interest no more it's out of there that's all I'm telling you there's a lot of people out there who on fire to take back their financial lives and guess what we're giving away twenty five hundred dollars yeah you heard right almost there one more time we're giving away twenty five hundred.

one thousand dollars twenty five hundred dollars hundred million dollars one thousand dollar twenty five years
"chris ogm" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

01:54 min | 1 year ago

"chris ogm" Discussed on NewsRadio 1080 KRLD

"After Dave Ramsey but still packs join me for the program twenty been site from newsmaker's callers to we cover it all from news the whatever is making you think the show I am so excited to be with you as we walk through and we take your questions about money or maybe you've got something you've been wanting to know and so you can finally get the answer all you have to do is give us a call the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five we would love to hear from you and by the way you can find us on social it's at Ramsey show or you can send it to me back Chris OGM three sixty as well so listen I want to tell you something financial peace university has been changing lives for over twenty five years and that's a whole lot to celebrate and like we usually do around here we don't go small we go big and for the month of August we've challenged folks in baby step number two that's people that are serious they've got debt and they're ready to get their money back we've we've encouraged them if they're all baby step to to pay an extra one thousand dollars toward their debt this month and so it's part of the one thousand dollar pay off challenge now we're almost to the August finish line and we've had over this one hundred thousand people commit to the challenge that's massive so if all of them all one hundred thousand of them pay an extra one thousand dollars toward their debt guess what that's a total of over a hundred million dollars in debt that's been deleted that's gone interest no more it's out of there and so I'm telling you there's a lot of people out there who on fire to take back their financial lives and guess what we're giving away twenty five hundred dollars yeah you heard right almost there one more time we're giving away twenty five hundred.

Dave Ramsey newsmaker one thousand dollars twenty five hundred dollars hundred million dollars one thousand dollar twenty five years
"chris ogm" Discussed on KTAR 92.3FM

KTAR 92.3FM

01:35 min | 1 year ago

"chris ogm" Discussed on KTAR 92.3FM

"Wanting to know and so you can finally get the answer all you have to do is give us a call the number to call is eight eight eight eight two five five two two five again that's triple eight eight two five five two two five we would love to hear from you and by the way you can find us on social it's at Ramsey show or you can send it to me at Chris OGM three sixty as well so listen I want to tell you something financial peace university has been changing lives for over twenty five years and that's a whole lot to celebrate and like we usually do around here we don't go small we go big and for the month of August we've challenged folks in baby step number two that's people that are serious they've got debt and they're ready to get their money back we've we've encouraged them if they're all big step to to pay an extra one thousand dollars toward their debt this month and so it's part of the one thousand dollar pay off challenge now we're almost to the August finish line and we've had over to get this one hundred thousand people commit to the challenge that's massive so if all of them all one hundred thousand of them pay an extra one thousand dollars toward their debt guess what that's a total of over a hundred million dollars in debt that's been deleted that's gone interest no more it's out of there and so I'm telling you there's a lot of people out there who on fire to take back their financial lives and guess what we're giving away twenty five hundred dollars yeah you heard right almost there one.

one thousand dollars twenty five hundred dollars hundred million dollars one thousand dollar twenty five years
"chris ogm" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

01:53 min | 1 year ago

"chris ogm" Discussed on NewsRadio 1080 KRLD

"The Ramseys Robbie and good are you do you guys live Georgetown Kentucky Georgetown Kentucky home of the famous Chris OGM yes that's where he went to college very cool and they had a national championship while he was there yes and all very cool so the Lexington area beautiful area of the country welcome to Nashville on all the way down here to do a debt free scream out yet all right I'm much of you paid off two hundred and sixty thousand dollars in eight years wow all very cool and your range of income during that time well we started our journey at one twenty five and interestingly enough our income went down over the eight years I we have had a couple of children along the way and I thought of calling to stay at home so that two years ago actually went part time and our twice a week so we ended our income last year at ninety nine thousand cool very cool what do you do for a living Robbie I'm a physical therapist at the university of Kentucky who am before you were a full time mom Joe you what were you doing at an insurance underwriter okay very cool your full time with the kids actually I work part time so I went to days a week and then the rest of the time I'm home with the kids gotcha okay we could jump up to show two hundred and sixty thousand eight years I'm looking at this you must pay off your house we direct you guys know very very cool well here's what's interesting our team obviously New York comic th and Zach Bennett one of our top production guys combed back through the archives of the Dave Ramsey and there's actually a phone call from you.

Chris OGM Nashville Joe insurance underwriter Dave Ramsey Georgetown Kentucky Georgetown Lexington Robbie I university of Kentucky New York Zach Bennett eight years sixty thousand eight years sixty thousand dollars two years
"chris ogm" Discussed on NewsRadio 1080 KRLD

NewsRadio 1080 KRLD

01:52 min | 1 year ago

"chris ogm" Discussed on NewsRadio 1080 KRLD

"Robbie and good are you you guys will your short out of Kentucky Georgetown Kentucky home of the famous Chris OGM yes that's where he went to college very cool and they had a national championship while he was there yes and all very cool so the Lexington area beautiful area of the country welcome to Nashville on all the way down here to do a debt free scream up yet all right I'm much of you paid off two hundred and sixty thousand dollars in eight years wow all very cool and your range of income during that time well we started our journey at one twenty five and interestingly enough our income went down over the eight years I we have had a couple of children along the way and I thought of calling to stay at homes about two years ago actually went part time and our twice a week so we ended our income last year at ninety nine thousand cool very cool what do you do for a living Robbie I'm a physical therapist at the university of Kentucky who am before you were a full time mom Joe you what were you doing at an insurance underwriter okay very cool your full time with the kids actually I work part time so I went to days a week and then the rest of the time I'm home with the kids gotcha okay we could jump up to show two hundred and sixty thousand eight years I'm looking at this you must pay off your house with direct you guys know very very cool well here's what's interesting our team obviously New York comic th and Zach better at one of our top production guys combed back through the archives of the Dave Ramsey and there's actually a phone call from you.

Chris OGM Nashville Joe insurance underwriter Zach Dave Ramsey Kentucky Georgetown Kentucky Lexington Robbie I university of Kentucky New York eight years sixty thousand eight years sixty thousand dollars two years
"chris ogm" Discussed on AM 1590 WCGO

AM 1590 WCGO

02:01 min | 1 year ago

"chris ogm" Discussed on AM 1590 WCGO

"Millionaires come from all kinds of backgrounds but the one thing we know is is that very few of them come from all the backgrounds most of them started from nothing most of them did not inherit their money port of ninety percent are not millionaires because of inherited money national Chris OGM found in the study that we did was we were building the book everyday millionaires that he wrote yeah learn about this stuff get that book and read it it will change your whole perspective on what this what the deal is are you a victim no we've got a statistical data to prove it we know that you can win we know that it's possible all right checking in with us on Instagram follower I live in Vegas Brandon says house prices rent raising fast I can afford a house I am in the south we're looking at right now but I'm still working that's mobile should I purchase now to avoid the crazy prices in the year around longer and longer you cannot buy a house into your own that Brandon the house will become cursed rather than a blessing man I don't know if you know much about Las Vegas but a few years back it was voted the fastest growing city in America it was the biggest real estate bubble that burst when the real estate bubble burst a lot of properties there dropped in half and value more than any other city in America it was a mass and if you think you want to ride one of those bubbles up again and then watch it pop are your broken in debt I'm gonna tell you don't do that I'm not saying Las Vegas is a bubble on saying it was before and that's a proven fact that's not as an observable fact it's not a the position of how I feel about things so.

Chris OGM Las Vegas America Instagram Brandon ninety percent
"chris ogm" Discussed on The Fantasy Footballers - Fantasy Football Podcast

The Fantasy Footballers - Fantasy Football Podcast

01:57 min | 3 years ago

"chris ogm" Discussed on The Fantasy Footballers - Fantasy Football Podcast

"Okay that's great i think i'm gonna go without omen i would go with ataman because i believe he will who do you think it's drafted i between those two i feel like chris hogan the will be chris ogm but that's atamans draft price is going to be very interesting to watch because he was he had finally gotten the respect where he was drafted where he should be for his fantasy value but i mean he could drop what sixthround get ended up like that steve smith value right from years ago he by the way every single name i just compared is going ahead of julian edelman in current drafts yeah i mean right now there's forgetfulness to it there are people don't even realize he's there when we were going through our mock draft i think we kind of started looking l let's go this direction let's go let's not go julie i believe i got julian element in the ninth round in a best ball league it's nice all right let's go to another player who's been very productive has a new quarterback emmanuel sanders thirty one years old had he still under contract both adamant and sanders through twenty nine thousand nine hundred contract last year it was tough to stay healthy for emmanuel sanders he missed week seven week eight then he also missed weeks sixteen and seventeen he was short of a thousand yards for the first time in four years and this was not your prototypical manual sanders your you had problems at quarterback mixed with injury the latest report i have from february twenty third is that his ankles about ninety five percent says about five percent lower than i'd like to see but is his time is he going to be the same player this year with case keenum or does he have the chance to be i think he does have the chance to be going through this list i'm not rosy outlook on everybody but i think emmanuel sanders there's almost no way unless he's done right if.

julian edelman julie emmanuel sanders chris hogan steve smith ninety five percent thirty one years thousand yards five percent four years seven week