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Dave Ramsey
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money

Dave Ramsey: Getting rid of the car

Dear Dave, How do you sell a vehicle with a lien amount that’s higher than the actual value of the car?

Updated Apr 9, 2018 at 8:00 AM
Wilson Bank & Trust presents Second Harvest Food Bank of Middle Tennessee with a check for more than $17,900, following a three-month fundraising campaign. In partnership with Ms. Cheap, the bank collected donations at all its branches, distributed cans for individual collection efforts and provided corporate and executive matching donations. On hand for the presentation were (from left) Wilson Bank & Trust CEO Randall Clemons, Mary Hance, also known as Ms. Cheap, Destiney Patton with Second Harvest Food Bank of Middle Tennessee, president John McDearman and vice president Kathy Hesson with Wilson Bank & Trust.
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Wilson Bank & Trust

Wilson Bank & Trust change drive raises more than $17K for Second Harvest Food Bank

The contributions, which will equal more than 70,000 Second Harvest meals, were gathered during a three-month campaign as part of Ms. Cheap’s penny drive. The bank’s efforts included customer giving at all WBT branches; change collected by employees and customers on their own; and a pair of matching donations by the bank and CEO Randall Clemons.

Updated Apr 1, 2018 at 7:45 PM
Dave Ramsey
dramsey
money

Dave Ramsey: Access to my checking account?

There’s nothing wrong with certain entities having access to your checking account. I use electronic bill pay for utilities, mutual fund contributions, and things like that all the time. The only time I warn people against giving electronic access...

Updated Apr 2, 2018 at 8:00 AM
Dave Ramsey
dramsey
money

Dave Ramsey: Tale of two extremes

Honestly, under the circumstances I think you’re probably going to end up eating this. But sit down, and try to have a calm, clear discussion about what has happened, and why it happened. Let her know first, without a doubt, that you will criminally prosecute her if she ever uses your name to put money into her own pocket again. Second, tell her you’re prepared to forgive her and forget about it – and she pays you back at some point, if she can – if she agrees to get some financial and emotional counseling.

Updated Mar 26, 2018 at 8:00 AM
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Financial

Budget amendment introduced in state legislature

The amendment builds on previous legislative priorities regarding investments across state government. Tennessee currently ranks as the lowest taxed and lowest debt state in the nation.

Updated Mar 24, 2018 at 2:00 PM
Dave Ramsey
dramsey
money

Dave Ramsey: Avoid check cashing stores

I’m not a big fan of check cashing companies. They’re not nearly as bad as payday lenders, but it still seems kind of silly to me there’s even a market for this kind of thing. If you want a place to cash your checks and store your money, all you have to do is walk into a bank and open an account.

Updated Mar 18, 2018 at 6:00 PM
The above chart shows results of the overall Tennessee Consumer Outlook Index and sub-indices since September 2015. The index is measured quarterly.
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Economy

Survey shows Tennessee consumers view economy moving in ‘positive direction’

The most recent statewide survey by Middle Tennessee State University’s Office of Consumer Research shows Tennessee consumers are even more optimistic about the direction of the economy.

Mar 15, 2018 at 9:47 PM
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Financial

Consumers use tax refunds to pay down debt, save this year

More Americans than ever plan to hold on to their tax refunds this year rather than spending the money they get from the Internal Revenue Service, according to the annual tax refund survey released recently by the National Retail Federation and Prosper Insights & Analytics.

Updated Mar 15, 2018 at 11:00 AM
Elvis Huff
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Column

Elvis Huff: How to keep financial information safe online

Are you worried about conducting business online? It’s a valid concern. Cyberattacks, hacks and breaches fill the headlines. 

Updated Mar 11, 2018 at 10:15 PM
Exiting Wilson Bank & Trust community council members honored by the bank recently include (back row, from left) David Liddle, Charlie Weaver, Wendi Cathey, James Neuble, Teresa Brown, Jeff Rowlett, Terry McDonald, Jana Pastors, (front row, from left) Julie Harrison, Randy Lamberson, Yancy Belcher, James Hueey, Jane Hay and Sue Vanatta. Not pictured is Toby Lane.
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Business

Wilson Bank & Trust honors community council members, welcomes new ones

During an annual dinner at the bank’s main office in Lebanon, bank officials formally thanked outgoing council members throughout Wilson County for their contributions and also welcomed new members who will serve as advisors for the next few years in their respective communities.

Updated Mar 11, 2018 at 10:15 PM
Dave Ramsey
dramsey
money

Dave Ramsey: Is layoff insurance needed?

Some of the people I work with have been buying into a new kind of supplemental insurance that protects against layoffs. It costs about $30 a month per person, and the full payout if you’re laid off is $9,000. It seems to me you would have to be paying in for a long time to see that kind of return, so I wanted to see how you feel about this kind of thing.

Updated Mar 11, 2018 at 7:30 PM
Wiping away the balance of federal student loans could provide a boost to the economy, according to new research.
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Financial

Study shows wiping away student loan debt could boost economy

Researchers at the Levy Economics Institute of Bard College said canceling that debt would be a major boost to the economy.

Updated Mar 3, 2018 at 2:00 PM
Dave Ramsey
dramsey
money

Dave Ramsey: Don’t let it hang around

Whatever you do, don’t let this student loan debt hang around for years and years. You’ve got to get focused and intense about getting control of your money. That means living on a strict, basics-only monthly budget. After that, start throwing every nickel and dime you can scrape together and save toward those student loans as fast as possible.

Updated Mar 4, 2018 at 8:00 AM
Dave Ramsey
staffreports
money

Dave Ramsey: Debt and income crisis

I received a call the other day from a company saying it could negotiate the balance on my credit cards to a lesser amount. The caller also said they could get me a zero-percent interest rate until the debts were paid off, and then the accounts would be closed. I’m kind of starting over again financially, because I sold a company I had run for almost 15 years, then got into real estate and lost almost everything. I’m making just enough to squeeze by, and my credit card debt totals $40,000. Would this be a good idea?

Updated Feb 25, 2018 at 9:30 PM
Shelly Barnes
sbarnes
Shelly Barnes

Protecting your investment at home

Our homes and their furnishings and appliances are a major investment for most people. Good decision-making skills are important when investing in these large-ticket items.

Feb 7, 2018 at 2:55 PM