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Dave Ramsey's Financial Philosophy - island

Dave Ramsey’s Financial Philosophy

Dave Ramsey is probably best known for his debt reduction strategy.  If you have listened to his radio show much, then you know he is extremely aggressive in tackling debt. Once debt has been eliminated and an emergency fund has been established, then the focus is on investing. The focus of this article is on Dave Ramsey’s.. More

Ohio National Life Disability Insurance Review - Climbers

Ohio National Life Disability Insurance Review

Ohio National Life Insurance is mostly known for their life insurance and financial products.  However, they also offer a diverse portfolio of disability insurance products.  In this Ohio National Life disability insurance review, we will examine their core disability policies and see how they compare. You should check out our Ohio National Life Insurance review for more.. More

Ohio National Term "Plus" Review - bridge by waterfall

Ohio National Term Plus Review

In this article, we will examine Ohio National’s Term Plus plan.  If you are unfamiliar with Ohio National Life Insurance Company, then please read our review of this company here.  As an independent agency, we do a substantial amount of business with Ohio National.  They consistently have very low rates for 10, 15, and 20.. More

A Life Insurance Agent’s Perspective on Fee-only Financial Planners - Canoe on lake

A Life Insurance Agent’s Perspective on Fee-only Financial Planners

I am an insurance agent, not a financial planner.  In today’s world, it’s tough to distinguish between the two.  The lines have blurred and the typical advisor is encouraged to be the “one-stop-shop” for their clients.  Insurance agents market themselves as financial planners and many financial planners sell insurance. Fee-only planners and “insurance-only” agents are.. More

Dave Ramsey vs. Suze Orman - piggy bank

Dave Ramsey vs. Suze Orman

Dave Ramsey and Suze Orman are personal finance and money management experts who have very large followings. You will find plenty of information online if you search for articles on Dave Ramsey vs. Suze Orman.  Is Ramsey’s 7 steps to financial freedom better than Orman’s 9-step approach? Diverse opinions abound. Ramsey and Orman have fiercely loyal followers who will point out the better methods of their respective.. More

Dave Ramsey Books - child walking through leaves

Dave Ramsey Books

In this article, we take a look at the books authored by personal financial guru Dave Ramsey.  In other articles, we examine Ramsey’s viewpoints and recommendations concerning specifics products – life insurance and disability insurance.  For the most part, we appreciate and applaud Dave’s accomplishments.  However, we also pointed out areas where we disagree with Mr. Ramsey… More

Dave Ramsey and Disability Insurance _ Boy wading on beach

Dave Ramsey and Disability Insurance

Dave Ramsey is well known for his debt reduction and budgeting strategies.  What many folks don’t realize is that Dave is a strong proponent of protecting your income through disability insurance. Disability insurance is often overlooked, but Dave Ramsey makes sure you clearly see the importance of this coverage. Disability insurance protects your most valuable asset – your ability to earn an.. More

Ramsey & Zander Insurance - We have NO affiliation with Zander Insurance

Ramsey and Zander Insurance

Disclaimer:  We have no affiliation with Zander Insurance or Dave Ramsey.  We are an independent life insurance agency. In case you are not familiar with Zander Insurance, they are the life insurance agency to whom Dave Ramsey refers his listeners and readers.  In this article we will look closely at the pros and cons of Zander.. More

Dave Ramsey On Whole Life - Safe Rock Climber

Dave Ramsey On Whole Life

To say that Dave Ramsey is not a big fan of Whole Life insurance would be an enormous understatement.  Mr. Ramsey thinks any cash value life insurance is a very bad deal.  In this article, we will look at Dave Ramsey’s views on cash value insurance, including both whole life and universal life.  To read.. More