[4][5] However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and recalled his $1.2million in loans and lines of credit because he was over-leveraged. The anti-debt crusader, who has an estimated net worth of at least $200 million, calls FICO scores the "I love debt scores." He's proud of the fact that he doesn't have a credit score. Gutting IRS Will Help Wealthy Avoid More Taxes | Opinion, Eliminating Income Tax Means More Money for Americans | Opinion. [37], American conservative financial advisor, author and radio personality, Company policies regarding marriage, sex and homosexuality, "Christian financial guru crusades against overspending", "The Financial Whisperer to Trump's America", "Broke Millennials Are Flocking to Financial Guru Dave Ramsey. Personally, his equity investments are allocated into four types of mutual funds: growth, growth and income, aggressive growth, and international. $10.39 $ 10. (Hour 3), The Dave Ramsey Show - Ministry Isn't Something That's Separate From Your Work (Hour 3), The Dave Ramsey Show - I'm Debt-Free but Feel Guilty Spending Cash (Hour 2), The Dave Ramsey Show - Should I Stop Working on My Master's Degree so I Don't Take On Debt? (Hour 1), The Dave Ramsey Show - Should We Involve Our Teens in a Big Family Decision? [12], Ramsey encourages people not to take on student loan debt[9] and calls the idea that student loans are required for college "a myth". [29] The company had drawn attention earlier in the pandemic for remaining open after employees tested positive for the virus, for ignoring recommendations to avoid large gatherings, and for hosting a July business conference after the Marriott hotel cancelled citing safety concerns. His impeccable work ethic. The bank demanded Ramsey pay the entire debt off within 90 days. Pay off all debt (except the house) using the debt snowball. 6. Born in Milton, Berkshire, , England on 27 Mar 1733 to Nicholas Childs and Mary Combs. (Hour 1), The Dave Ramsey Show - Owing Your Parents Money Is a Bad Idea (Hour 3), The Dave Ramsey Show - Your Identity Is Not in Your Car! (Hour 1), The Dave Ramsey Show - Is There a Spending Limit on Pets? Ramsey was born in Detroit, Michigan. It's unknown if this was an . He is absolutely right that getting into debt is caused by bad behavior and so getting out of debt cannot be accomplished until the behavior changes. He agreed to help the man and his wife create a financial plan for their lifeand so began Ramsey's financial counseling career., Ramsey started a personal finance counseling company called The Lampo Group. (Hour 1), The Dave Ramsey Show - There's No Such Thing as a Natural-Born Leader (Hour 2), The Dave Ramsey Show - My Mother-in-Law Got Roped Into a Loan at 79% Interest! Paperback. Equally important, however, is saving early. Credit Card #1, paid off in Month 22, an interest cost of $1,927.69. (Hour 3), The Dave Ramsey Show - I Took Out a 401(k) Loan To Pay Off Debt (Hour 3), The Dave Ramsey Show - Don't Look for a Mansion When Buying Your First Home (Hour 2), The Dave Ramsey Show - I'm Up to My Ears in Debt! (Hour 2), The Dave Ramsey Show - A Dream Without a Plan Is Called a Wish (Hour 1), The Dave Ramsey Show - Wealth Is a Magnifying Glass on What You Already Were (Hour 3), The Dave Ramsey Show - Where Do You Want to Spend 90,000 Hours of Work? [9], Ramsey has written five books for adults, three of which were New York Times bestsellers, and six children's books. James Childs Senior Producer, The Dave Ramsey Show Financial Peace University Brentwood, Tennessee Get James's Email (it's Free) Takes 5 seconds to join, no credit card required. "Sure. You got other issues going on. Warren Cassell Jr. started his first business at the age of eight. Dave Ramsey doesn't need a credit score. As of 2021, his net worth is around $200 million. Shortly after receiving his first demand notice, another bank called his $800,000worth of notes. As a child, he started several different business ventures to earn extra pocket money. (Hour 3), The Dave Ramsey Show - Look for Compatible Financial Goals in the Person You Marry (Hour 2), The Dave Ramsey Show - Call Rented Money What It IsDEBT! (Hour 2), The Dave Ramsey Show - How Do We Combine Our Money After Our Wedding? 1,419 records for James Childs. The Dave Ramsey Show is heard by more than 8 million listeners each week on more than 500 radio stations. (Hour 3), The Dave Ramsey Show - I'm Making $70,000 a Year on eBayShould I Quit My Job? (Hour 1), The Dave Ramsey Show - Do I Need a Bigger Emergency Fund? (Page 3) Additionally, Rachel and Winston have three kids. [13], Critics of Ramsey's core teachings point out that they are often a "one-size-fits-all" approach that both disregards income disparities and ignores financial emergencies. Ready to take control of your money? 68. r/DaveRamsey. They have three children. Ramsey's net worth is estimated to be around $200 million as of 2021. (Hour 2), The Dave Ramsey Show - Credit Card Companies Don't Give - They Just Take! [6], Ramsey advises listeners to first reduce debt using the debt snowball method, where debtors pay off their lowest balances first. (1733 - Unknown) Photos: 28. (Hour 1), The Dave Ramsey Show - Single Moms: What To Do When Your Partner Leaves You? (Hour 1), The Dave Ramsey Show - When Done Properly, Education Is a Great Investment (Hour 3), The Dave Ramsey Show - How Do We Use Our Side Hustle Money? [2][9] Ramsey encourages the use of cash and advises families to utilize an envelope system, putting a cash allocation for each month's food, entertainment, etc., in separate envelopes and then spending only what is in the envelope. Dave Ramsey created a simple plan to help people get out of debt. (Hour 3), The Dave Ramsey Show - How Do I Get My Husband on Board? On Jan. 7, 2021, a lengthy piece of text urging Americans to "wake up" was widely circulated on social . 2. Save up a 3- to 6-month emergency fund. Dave Ramsey. [9] With Ramsey, Cruze co-wrote and published the New York Times No. 15 Best Dave Ramsey Money Tips. Dave Ramsey is an eight-time national bestselling author, personal finance expert and host of The Ramsey Show, heard by 23 million listeners every week. (Hour 2), The Dave Ramsey Show - My Fianc Owes $140,000 to the IRS! (Hour 2), The Dave Ramsey Show - My Employer Is Interviewing People for My Job! westjet travel bank refund reddit; Tags . Save for children's college fund. (Hour 3), The Dave Ramsey Show - I'm Running Out of Time To Become a Millionaire (Hour 3), The Dave Ramsey Show - Our Emergency Fund Won't Cover Our Emergency (Hour 1), The Dave Ramsey Show - Can I Get Life Insurance After Having Childhood Leukemia? A spokesperson said he was having another home built in the area. Jackson Laizure/Getty Images Entertainment/Getty Images, Bernie Madoff: Who He Was, How His Ponzi Scheme Worked. (Hour 2), The Dave Ramsey Show - My Wife Hid Credit Cards From Me (Hour 2), The Dave Ramsey Show - How Do I Choose a Career? Hello world! Pay off home early. Teach Your Child to Read in 100 Easy Lessons. He can be made playable by marrying him, or asking him to move in. A: I don't really have a rule, or percentage, for how much you should save toward a college fund. (Hour 2), The Dave Ramsey Show - EntreLeadership Turns 10! As a child, he started several different business ventures to earn extra pocket money. [26][27], In December 2020, a complaint was filed with the Franklin health department alleging that caterers hired for the Ramsey Solutions Christmas party at its company headquarters were instructed not to wear masks or gloves while serving, which the company later confirmed to the local NBC affiliate. (Hour 2), The Dave Ramsey Show - To Win With Money You Have To Save It, Give It, AND Enjoy It (Hour 1), The Dave Ramsey Show - How Can I Best Use My Savings To Build Wealth? Car Loan #1, paid off in Month 11, an interest cost of $177.10. 1 of 5 stars 2 of 5 stars 3 of 5 stars 4 of 5 stars 5 of 5 stars. (Hour 2), The Dave Ramsey Show - I'm Feeling Financially Overwhelmed (Hour 2), The Dave Ramsey Show - They Paid Off $347,000 in 6.5 Years! He has been married to Sharon Ramsey since June 26, 1982. He is an expert in finance and host of the famous radio show 'The money game.'. (Hour 3), The Dave Ramsey Show - My Husband Thinks I Should Get a Second Job (Hour 3), The Dave Ramsey Show - I Co-Signed My Son's Student Loans (Hour 2), The Dave Ramsey Show - Most Money Problems Are Self-Inflicted! (Hour 2), The Dave Ramsey Show - How Do I Change My Impulsive Spending Habit? Profile Experience Accolades Affiliations. Financial adviser and public personality Dave Ramsey reportedly disciplined at least a dozen former employees for engaging in premarital or extramarital sex, leading to their respective departures from his consulting company, Ramsey Solutions. Besides mutual funds, Ramsey owns a portfolio of rental properties. (Hour 2), The Dave Ramsey Show - I Panicked and Sold My Stocks! Estate Planning Attorney's take on Dave's anti-Medicaid Planning Rant (11/22 show) 62. Brian made a return to TV on the show alongside chef and . (Hour 1), The Dave Ramsey Show - Waiting on the Government to Forgive Loans Is NOT a Strategy! (Hour 3), The Dave Ramsey Show - Take Care of Necessities Before Starting a Business (Hour 1), The Dave Ramsey Show - If There's a Wake-Up Call, Pick Up the Phone (Hour 2), The Dave Ramsey Show - Don't Wait to Work Until Unemployment Benefits Backfire! He said his father responded to his request by saying, You are old enough to get a job. [8] The company's headquarters are located in Franklin, Tennessee, and a new 47-acre campus opened there in 2019. Dave Answers Your Business and Leadership Questions (Hour 3), The Dave Ramsey Show - You May Feel Like Youre Drowning but There Is HOPE (Hour 1), The Dave Ramsey Show - Trading Money for Time With Your Kids Is a Good Trade! From his headquarters south of Nashville, the evangelical Christian personal finance guru runs a . Is His Advice Any Good? (Hour 3), The Dave Ramsey Show - DAVE RANT: How to Do Survival Mode (Hour 2), The Dave Ramsey Show - DAVE RANT: You Can't Beat the Credit Card Companies! Join. He has appeared on Good Morning America, CBS This Morning, Today, Fox News, CNN, Fox Business and many more. (Hour 3), The Dave Ramsey Show - When You're in a Huge Debt Hole, You Need a Big Shovel (Hour 3), The Dave Ramsey Show - Say No to the Little Things so You Can Hit a Big Goal (Hour 2), The Dave Ramsey Show - The Government Won't Fix Your Money Problems! (Hour 1), The Dave Ramsey Show - Real Estate Ownership Isn't Always a Good Idea! His child, Daniel Ramsey, works at Ramsey Arrangements, a monetary consultancy that Dave Ramsey made in 1992. Dave Ramsey is a financial guru to many people. (Hour 3), The Dave Ramsey Show - I Make $800,000 a YearWhen Can I Self-Insure? The 60-year-old is a Virgo. She said that she had some really great schools lined up, had been accepted to each, and was struggling to make a decision as to where to go. (Hour 1), The Dave Ramsey Show - Should I Pursue Child Support? They got married in 2009. Get actionable money advice you can easily apply to your daily routine. (Hour 3), The Dave Ramsey Show - Don't Let Company Loyalty Get in the Way of Your Family (Hour 1), The Dave Ramsey Show - Don't Play the Credit Card Game! [19][20], In July 2020, Caitlin O'Connor, a former Ramsey Solutions employee, filed a federal lawsuit against the company alleging that she was fired for being pregnant and, since she wasn't married to the baby's father, for violating Ramsey Solutions' employee conduct policies. (Hour 3), The Dave Ramsey Show - Was Going Back to School the Right Decision? 2023 Lampo Licensing, LLC. But well give you everything you need to get startedfor free. Cents of Time; July 2, 2019; Money; . (Hour 3), The Dave Ramsey Show - Respect Your Spouse Enough to Tell Them "No" (Hour 1), The Dave Ramsey Show - I Lost My Job and We Can't Make Our House Payments! Nicholas Papagiannis. Playing "How Soon is Now" in the podcast. Baby Step #3: Save three to six months of living expenses in a fully funded emergency fund. (Hour 1), The Dave Ramsey Show - Carrying Shame Is Like Carrying a Cinder Block (Hour 1), The Dave Ramsey Show - How Do I Grow My Business? (Hour 2), The Dave Ramsey Show - Should We Start Saving Now for Having Kids in the Future? (Hour 3), The Dave Ramsey Show - How Do I Use My HSA for Retirement? Three weeks after turning 18, Ramsey passed his real estate license exam. (Hour 3), The Dave Ramsey Show - DAVE RANT: Some Cities Have Screwed Up Their Economies in the Pandemic! FREE delivery Tue, Nov 29 on $25 of items shipped by Amazon. (Hour 3), The Dave Ramsey Show - You Need to Fire Your Financial Advisor! (Hour 3), The Dave Ramsey Show - Should I Stop Paying Off Debt To Buy a Car? (Hour 2), The Dave Ramsey Show - Why You Should Never Get a Big Tax Refund (Hour 1), The Dave Ramsey Show - The Math Behind Millionaire Status (Hour 1), The Dave Ramsey Show - Why You Should NEVER Lease a Car (Hour 2), The Dave Ramsey Show - Everyone Pays a Price to Win - No Exceptions! (Hour 3), The Dave Ramsey Show - How Much Should I Save for a House? Ramsey's response went on to suggest that, because Tennessee is an "at-will" state, employers are legally allowed to fire employees for any reason, or without cause. (Hour 3), The Dave Ramsey Show - DAVE RANT: Don't Make Decisions Based on Public Panic! After battling his way out of bankruptcy and millions of dollars of debt, Dave set out to change the toxic money culture for good. FALSE . The Dave Ramsey Show - I Scrambled the Baby . (Hour 3), The Dave Ramsey Show - Im Almost Done With My Debt Snowball but Hesitant To Finish (Hour 3), The Dave Ramsey Show - Should I Be Looking for a Job Right Now? However, according to new court filings obtained by The Tennessean and referenced in a report published Monday, attorneys representing Ramsey Solutions reportedly linked O'Connor's dismissal to the fact that she engaged in premarital sex. "How to Invest in Real Estate. Ramsey's Seven Baby Steps are: 1. (Hour 3), The Dave Ramsey Show - Should I Sell an Inherited House? For those that aren't familiar, here are Dave Ramsey's Baby Steps: Save a $1,000 starter emergency fund. [10][9], Ramsey adamantly opposes the use of credit cards. 3. Brentwood, Tennessee Search Background Check The Lampo Group, Inc. - Dave Ramsey Business Data 1749 Mallory Lane, Brentwood, Tn 370270000 Usa www.daveramsey.com AllBiz Business Profile Search Professional Contact Details The Baby Steps & Financial Order Of Operations: Checklist-Style Financial Planning. (Hour 3), The Dave Ramsey Show - How Do I Save for College and Care for My Parents at the Same Time? [14] Ramsey's investing advice has also drawn criticism over its reliance on stock investment, as opposed to bonds, using mutual funds with load fees, and its frequent claim of 12% annual returns on investments. Reality (Hour 3) 2022-01-13. james childs dave ramseymark giangreco cheryl burton video. ", "The Verdict Is In: Tackle Smaller Debts First", "Parents shouldn't co-sign student loans", "Debt Snowball Versus Debt Avalanche: What The Academic Research Shows", "Dangerous Retirement Planning Advice From Financial Guru Dave Ramsey", "Save like Dave Ramsey Just Don't Invest Like Him? Save up a $1,000 baby emergency fund. The show eventually became The Dave Ramsey Show, Ramsey's daily three-hour call-in financial advice talk show.[2][6]. (Hour 3), The Dave Ramsey Show - The Only People That Can Help the Weak Are the Strong (Hour 2), The Dave Ramsey Show - I'm Hesitant to Invest in Real Estate in a College Town During COVID (Hour 3), The Dave Ramsey Show - How Do I Balance My Life and My Financial Goals? (Hour 2), The Dave Ramsey Show - I'm 15How Do I Create Passive Income? Once he got started, it wasnt long before the crusade became a lot biggerand betterthan what Dave could do alone. He is the host of the nationally-syndicated radio The Money Game along with being a bestselling author. Jab, Jab, Jab, Right Hook: How to Tell Your Story in a Noisy Social World (Hardcover) by. (Hour 2), The Dave Ramsey Show - I Found Out My Mom Was Cheating - What Do I Do? The Ramsey Show - Highlights @TheRamseyShow 2.56M subscribers Subscribe! (Hour 3), The Dave Ramsey Show - NOW Is the Time to Take Control of Your Finances (Hour 3), The Dave Ramsey Show - What's Your "Never Again" Moment? James's Email. Newsweek reached out to Ramsey Solutions for further comment but did not receive a reply in time for publication. (Hour 2), The Dave Ramsey Show - You Got Scammed! I really wish we could get a playlist. The ITV show host James Martin told 76-year-old chef he loves him as Brian gave an update about his health following a stroke last year. MADISON Social media often builds superficial connections. (Hour 1), The Dave Ramsey Show - How to "Fight Fair" as a Couple When You Disagree (Hour 3), The Dave Ramsey Show - Dave's Philosophy on Money and Happiness (Hour 1), The Dave Ramsey Show - How to Find a Thoroughbred in a Sea of Donkeys (Hour 3), The Dave Ramsey Show - How Should I Handle My Car Repairs? "Dave Ramsey's Complete Guide to Money." Raymond James is not affiliated with Dave Ramsey. The Dave Ramsey Show - Help Me Decide: Starter Home vs. This compensation may impact how and where listings appear. The husband and wife work together on several occasions as financial advisors. You need Daves weekly email newsletter! Dave Ramsey is a well-known financial guru and author with a nationally syndicated radio show and other media presence. In Live Like No One Else, a 20-minute documentary on his life, Ramsey tellsthe story of when he was 12yearsold and asked his father for money to purchase a popsicle. 4.7 out of 5 stars 2,151. xxxx@xxx.com + . Family (1) Spouse December 19, 2020. Family offices are private wealth management advisory firms that serve ultra-high-net-worth individuals. American radio host Dave Ramsey wrote this viral Facebook post urging America to wake up. and make beats. (Hour 1), The Dave Ramsey Show - Don't Carry Another Person's Baggage Around (Hour 3), The Dave Ramsey Show - How Do I Find a Job During the Pandemic? Melissa Hogan, Chris Hogan's ex-wife, issued a statement to RNS claiming that the company downplayed Chris's behavior, covered for him and characterized her behavior as "anger, hyperbole, and drama". [15][16][17], In 2014, The Daily Beast reported that Ramsey had lashed out against former employees he claimed were discussing working conditions at the company on Facebook and Twitter. Playing "How Soon is Now" in the podcast. Ramsey has written several books, including The New York Times bestseller The Total Money Makeover, and hosted a television show on Fox Business from 2007 to 2010. By 1986, Ramsey had amassed a significant portfolio worth over $4million. I'm also an inspiration junkie. At age 18, Ramsey took the real estate exam[2] and began selling property, working through college at The University of Tennessee, Knoxville,[2] where he earned a Bachelor of Science degree in Finance and Real Estate.[3]. Finance is the study and management of money, investments, and other instruments. (Hour 2), The Dave Ramsey Show - Our 19-Year-Old Isn't Following Our Rules (Hour 2), The Dave Ramsey Show - My Girlfriend Is Getting Pressured Into Buying a New Car (Hour 1), The Dave Ramsey Show - Should I Access My Retirement Fund Now or Wait? (Hour 3), The Dave Ramsey Show - There IS an End to Your Debt Payments - Don't Give Up! The Dave Ramsey Show - Help Me Decide: Starter Home vs. Bella Ramsey, 19, discusses mental . (Hour 3), The Dave Ramsey Show - They Paid Off Over $1 Million of Debt! In each episode, people from all over the country call in to ask Ramsey a wide range of personal finance questions. Investopedia requires writers to use primary sources to support their work. (Hour 1), The Dave Ramsey Show - I Got Fired for Having Health Issues and Need Help (Hour 3), The Dave Ramsey Show - DAVE RANT: It's Not About Me! I just heard my all time fav band The Sundays, NO ONE plays The Sundays. Anthony Battle is a CERTIFIED FINANCIAL PLANNER professional. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. (Hour 3), The Dave Ramsey Show - Believe in What's Possible, Not Just What Has Happened (Hour 2), The Dave Ramsey Show - Can I Buy a Tesla Before I Buy a House? Smart Money Smart Kids, the #1 New York Times best-selling book by Dave and his daughter Rachel Cruze, . In May 2021, Religion News Service (RNS) obtained recordings of Ramsey mocking employees over the policy and explaining Hogan's 2019 absence as a "rest break" following the affair accusations. (Hour 3), The Dave Ramsey Show - I Have Really Big Dreams but a Really Small Wallet (Hour 2), The Dave Ramsey Show - How Quickly Should I Make Financial Decisions After a Death? (Hour 1), The Dave Ramsey Show - DAVE RANT: When You're Broke, You're Not Entitled to ANYTHING! 2. At least 5 Capitol riot defendants are . Dave Ramsey is a popular financial advisor and a businessman. Ramsey managed to pay the majority of the debt down, leaving $378,000outstanding. [11] At live shows, he sometimes takes out his wallet to show audiences the "only four pieces of plastic" he carries: A business debit card, a personal debit card, a driver's license, and a concealed-carry permit. (Hour 1), The Dave Ramsey Show - You Become Who You Hang Around With (Hour 3), The Dave Ramsey Show - To Make More on Investments, You Have to Risk More (Hour 3), The Dave Ramsey Show - Give Yourself Permission to Be Uncomfortable (Hour 3), The Dave Ramsey Show - You Can Always Cut Deeper to Get Out of Debt (Hour 3), The Dave Ramsey Show - I Feel Guilty About Getting an Inheritance (Hour 3), The Dave Ramsey Show - Putting an Inheritance in the Wrong Place Is Financial Suicide! More Buying Choices $1.99 (94 used & new offers) . Select the best result to find their address, phone number, relatives, and public records. 8. 4. Dave Ramsey's theory for financial freedom is to incrementally build savings and pay off debts in a systematic way. [2] The Dave Ramsey Show aired on the Fox Business Network from 2007 to 2010. The Dave Ramsey Show - "Greedy Rich People" - Myths vs. By clicking "Sign Up," you are agreeing to the Ramsey SolutionsTerms of UseandPrivacy Policy. Ramsey married his wife Sharon in 1982, and the Ramseys have three children: Denise (Ramsey) Whittemore, Rachel (Ramsey) Cruze, and Daniel Ramsey. It's just very important you understand what's at stake now and in the future. Claim #1: "Over 100,000 reverse mortgages have failed, resulting in foreclosures and evictions"1. Dave Ramsey is an author and radio host known for his personal finance advice. He encourages his followers to avoid investing in individual stocks and purchase mutual funds that have a long track record of good performance. 4.3K. Ramsey has inspired countless people to pay down debt and we love that. (Hour 3), The Dave Ramsey Show - Don't Be Afraid to Go After Your Goals (Hour 1), The Dave Ramsey Show - How Do I Control My Impulse Spending? (Hour 3), The Dave Ramsey Show - I'm Ashamed of My Success During COVID (Hour 2), The Dave Ramsey Show - We Feel Like We're Wasting Money by Renting (Hour 3), The Dave Ramsey Show - My Family Is Pressuring Me to Stay in Our Expensive House (Hour 2), The Dave Ramsey Show - DAVE RANT: Washington Is NOT Going to Solve America's Problems! See James Corden and his look-alike son and daughter in Santa Monica, plus more great photos of celebs and their kids in 2022 Wonderwall Songs turning 25 in 2022 that everyone should listen to . (Hour 1), The Dave Ramsey Show - How Do I Grow My Net Worth Without Confusing It With My Self-Worth? One of Dave Ramsey's financial literacy campaigns features seven "baby steps" that individuals and households should pursue in order to gain financial freedom. After graduating from college, he started to flip properties. Get 3 for the price of 2. (Hour 1), The Dave Ramsey Show - I'm Feeling Burned Out by My Mental Health Issues in Baby Step 2 (Hour 2), The Dave Ramsey Show - My Former Employer Wants to Rehire Me (Hour 2), The Dave Ramsey Show - I'm Having Trouble Buying a House Without a Credit Score (Hour 2), The Dave Ramsey Show - How Do We Pay Off Medical Bills? "An adult, which is defined as someone over the age of 18 in most states for this purpose, must be the one to open the 'custodial IRA' account," says Jason Dall'Acqua, President at Crest Wealth. From a very early age, Dave Ramsey understood there was value in a day's work. Reddit and its partners use cookies and similar technologies to provide you with a better experience. His money management class started with37 students, butmembership grew to more than 350 students after a few years of operation.. malcolm smith preacher wife, the horse and the loaded donkey theme, anthony linus tech tips,
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