From the headquarters of Ramsay Solutions broadcasting from the dollar car rental studios. It's that day, Ramsay Shit we're dead as the casual gaming and paid off home has taken the place of the double you as the status symbol of choice and they ran through your hosts. Thank you for joining us America. It's a free call, a triple eight, eight to five. Five, two to five, that's aaa! Eight too. Five two to five. If you have questions about jobs and career, can combine Ramsay personality host of the CAN Coleman show is with me tat on

They show here to answer your questions about those I'll jump in, of course, I can of course have you got about life and money in the middle the corona crisis, the corona shut down. Then you drop in and will help the phone number triple. Eight, eight to five five, two to five Joshua is in Arizona Joshua. How are you good? Can you hear me barely? How can we help yeah. I have a question about career. I went to a trade school and they have promised me a job afterwards, which I did accept, but I got let go from the job and I feel cheated from the school, because they didn't. I felt like they didn't train me correctly, Why were you let go? They said I couldn't wherefore. The job properly.

Do you agree with them or disagree? I disagree because I got with a different company and they trained me correctly. And even my trainer, I'm a truck driver and even trainer said that I should somehow like fire the school or maybe talk the Congress now, your ear successfully employed now doing the thing that you went to school, get trained to do driving to trot correct yes, so you all those. Why could, I wanted to know like if I had it, could I felt like I got shielded from the school if that makes sense cause be specified, enjoy your women, you, you didn't, learn the driver, Troxler no danger Teach you how to pass the test to get your license. They'd I'll teach you on the road stuff ran things like that. There are other promised their promise was to help you pass the test or their promise was due

two on the road stuff to teach me on the road stop as well as better Were you ever on the road I whispered company down on our with with the school, not what the school You were training, you never drove a truck. In the yard, but not like on the road. They have a little yacht where they train people actually okra, or I think you need to get real specific about what you were promised. I d you're gonna win this, but if you wanted to see an attorney is what you would do. Congress can't help you, but you can t to an attorney and ask them? If you have been misled, you obviously fee Oh Miss lead, but I think if I never drove a truck outside of a parking lot where I practised, I dont think I would consider myself a professional truck driver. I would consider myself a guy who had driven a truck in a parking lot and had passed the test.

Shall I dont mean, even if they promised you that at the time, but you left the school, you knew you didn't know how to drive a truck over the road right and that's where I feel sort of cheated by Well, you said you lost your job with the company. They placed you at correct, yes, and that company owns the school, but you you go because you monument they own. School right am I Julia Roberts Rock after they knew they didn't trying. You drive a truck yes, because the company has a say where training programme that you go through by my trainers like slept in the back. The whole time while I was driving and I tried to explain that to them, but they didn't care and I dont know

go and let me tell you can do what you want to do a holder, you, I'm twenty four, ok I'll, tell you what I would tell you to do. You can do what you want. It there's two options: one is you can talk to an attorney or too is there's a part of this union you didn't drive a truck on the road and you knew that you are driving with instructors her sleep the back, and you knew that show. You knew that you didn't know how to drive a car and yet you went in and took a job with that knowledge and This is partly on you. If you go training and they're, not training you you're supposed to stop. Hello, I'm supposed to be getting trained, not wait until afterwards, when bad stuff and blame it on them, not granted. It sounds like there's a bunch of screw up, but you or rather a screw up land and never said a word bid, and you need to own some of this,

if I were you, I would on my part of it and go there bunches groups, and I let him do it and now I know how to drive a truck, and I got a job to check whether I'm gone all my life. I think you're about to waste a whole bunch of emotions in your energy I think this is a life lesson. It's not a legal problem, but you do what you want to get. Your other option is to contact an attorney outlook in three words: let it go there, Move on Reagan is in Idaho. I reckon welcome rams. You shall I days, and can it such a privilege to be talking to people you to show my question today. Thank you.

So my question today, my wife and I are in the process of starting a small business, hypocritical ass to how about, if I didn't think you and I'm driving for facts right now, so, whereas right now daughter stable, I mean question is a plan? Is we ve got about five thousand dollars left a purchase, just equipment stuff, and we have about fifteen thousand angel capital saved for them Let us then I would have personal, barely six months savings on the side good. How do we optimistically, but in a prepared away, move forward? We what's going on right now How do we make it didn't go yeah, let's keep moving forward. Let's start it: let's go If we wait a year or two years, he would happen child and I would a year. I wouldn't want to years. I'm not wait two weeks or two months, but I wouldn't wait a year depending on what

the thing you can't: can you stick your toe in the water without leaving Fedex? Yes, but I would cut back part time with better or almost part time. Little middlemen, part time and my boss is flexible. Ok, how much would that cut your pay about five hundred a month Roca and how quick can you start making five hundred a month at the new gig, probably in a month or two, Show me very willing on you know it depending on you know. If people can, while people on unemployment- and I dont know, that's my concern as well as I'm not sure if people are going to be willing to pay for the service that all the rendering, what what is the service its past troll, whether praying for now most people

Now they may have cancel their pest control for a month until they get reemployed. If they got laid off, they may not be start if their laid off they may not be starting with a new company. But are you got brand differentiate yourself from the other pest control people out there in order to get the business from people that already have an end or get new business, but I think you start small and start in the same way Are you starts on the side and let's put that extra two months he thinks it's gonna, take him to get up to that five hundred dollars a month when he goes partner. Other files I put that away? That gives us too, for this economy to go on a thousand four dollars and then I go full time into whatever. Let's get this good start, the shot hustle start this vessel and then, when the bogus close enough, the back you can we Fedex

switch you're cellular service to peer talk, USA and save money. Jasmine from main said, I heard about pure talk, USA from Dave Ramsgate Peer Talk, USA is the best cell phone service. I have ever had folks all of pure talk. Usa plans include unlimited talk text and that and no contracts try risk freedom call pound to fifty say the key words Dave Ramsay and receive fifty percent off your first month, that's pound to fifty key words, Dave Ramsay. For those of you, the run a business or a part of an age, our team. I want you to hear this, so she can

That's your employees or stressed about money right now. A lot of them are desperate. A lot of them are scared and they need help and eighty to hope- and I need you to lead as leaders- you might be looking for some guidance on how to help your employees during these uncertain times and we want to help Russia Logan. I hosted a message for hope for better. Leaders and hr professionals. If you missed it, you can catch. The reply smart dollar dot, com, slash, hope, smart dollar, dotcom, slash, hope and if you really can't help the employees that you had a lay offer had the furlough. You can get them free access to smart dollar, which is our whole financial wellness probe, through the end of the year, if you have added people off get in touch with smart dollar team sign up and your employer. That you followed or light off are completely free through the end of the year, for our curriculum and if you wanna help here, employees were offering a smart dollar free trial is well they're, not contingent on each other

both available to you, this is an incredible benefits. Dollar dot, com, slice, hope and check out this free offer a check out the message of hope. Video. As well as of this morning, just under a hundred thousand employees about this free offer been made available to them. Macy's laid off a hundred thousand alone, so Macy's get in touch with us and that would double the people that we ve offered it to and on cost you a dime. Are you gotta keep that, but you have to get your company your former company to get in touch with us and we gotta get it set up through them and then you can have access to smart dollar through the end of the year completely free and that's a pretty instinct good deal right. There stood a change. Allow lives, exciting, are let's go to Coty

he is in Tennessee. I Cody welcome that over amnesia basic take my call, I appreciate it sure. What's up my our work has been greatly reduced last weekend. About this key and as a result of these, my mother even as much any come. I am getting a second job, but in the mean time I've received a formal authorization from my mortgage company for three months. At the end of that three months, It would all be due back or possibly they could push three months to the end of the mortgage there I don't want it bad idea, they want it back and it's not a good idea, because you said yourself up for a problem. I would do that unless it was to avoid a foreclosure and you're not there yet, so what is it?

What is your household income right now with your job cut? My job tat is about eighteen thousand. Bringing about fifteen hundred dollars a month, gross, ok and that's before the new part time job that you're getting ready to art you make another fifty a month, delivering peaches if you need to it on the short term. So Are you single, no unmarried, ok, and does your wife work outside the home motor and saw? How much is your house payment? Ok, so that leave you seven fifty to buy food and utilities? If you don't, any extra income? How much other bills have you got over food utilities? The obligation, a car right gas. All of that combined

about another five six hundred dollars left, and so, if we paid all of that- and we call at five hundred and we pay the house payment- that twelve fifty that leaves two and fifty for food, which is now if we start with food by though I will start with the others, and so you're gonna run out of money before you pay before you have to do that unless you create some extra income, but you ve, already gone about the business of creating trend come on. You can be delivering peaches by nightfall to get through this. When do you think you're hours will come back. It depends on when all of this shut down is over What do you do very? I work at a plenary so when we get work, a printing company

Yes, I will only get worse coming in my hours will go back up, ok, shouts, and let me say it lets say: let's say it's a month: ok right and you deliver peaches, four nights a week for a month. Our something else, I don't care, I'm making it up, but you get something that you can earn a thousand fifteen hundred a month and you just pay less, water, insurance, car, gasoline and your house payment and food on your table. That's all you got other debts known totally debt preachers, my mortgage. Ok, so you would be like you to break even doing that. Yeah I'd be just breaking even is the way I'm looking at me, I'm saying if you brought an extra if you run and another fifteen hundred you got plenty around, were all right, yeah, I'm on this. Until then,

which, although not an until then you start delivering peaches today. I have several applications in I'm waiting on twofold to phone calls interviews have already had aka for what one is that Walmart and the other is added ass, the aggressor, how good good eye contact a pizza pleasure to because our guarantee you'll be working time, without burner. Then I'm not I'm not saying this in what you want to long term, but you may make an tips tonight Millimetre just for the short term for a week, he reviewed for two weeks and you We weren't Walmart your old job and deliver peaches. I mean I don't care, but you can do anything for a short period of time, and I tell you man,

coffee bar love, because you are afraid of work and you're, not too proud to do whatever it takes on the short term and long term. You know what your long term career girls have to get back to work. That's another question you got, but but the other. I can't stop man, I mean you're nicer than homey already talking to Walmart our talking too fast food. That's why you do it can yeah? talk to pharmacies their hiring these pharmacies or hiring like crazy, so universe, if you're behind the cash register. Doing whatever. I think, if you dont have kids and even have little ones, is why Get on board this and she should York into jobs, may be three jobs right now, you're actually getting way. I had, I think, The opportunity get way ahead and they is, they ve said: there's a season for everything and right now is the time to get after it and other you come out of this thing way ahead. Good on you not have any debt, but the mortgage out your good shape. I dont think you need to take this deferring payment because gonna catch up with you catch up with you and on you know, you're

I have to pay it later and unless your income has tripled or something later, you're gonna find yours, when a pinch again and power I would rather deal with it- was right in front of you, even if you paid at ten days late because You know they were the right in front of you than I would take the deferment dont end and you don't pay September, I wonder and the other ones like you know. So, but I wouldn't- even if you did list aside worst case and you shouldn't do it- we got Atlanta, you don't have to take one month of deferment and then catch it up next month. So you don't wait around or September look up three months in the hope that is not a blessing. So I got I can I just the the interesting thing about him. Worked on this stuff for thirty years is the word forbearance its sound soft and sweet

It actually means patience is what it means. That's why I was going. That's the actual definition. If I, for, if I'm, if I have forbearance with you, I have patience with you to forbear. Okay is v to give forbearance Is it but you never hear it. It's not a word to her out in and on the streets. It's not like you welcome, go hey, dude forbearance and does not You ever say Riah, but, but it sounds, sounds a lot softer than it actually is. What it means is big hole. You gettin ready to Be in mortgage payment times three its do. We all want pleasure payment that month, you're only of times for so yeah you got up a creek is what forbearance mean: So we do forbearance is around here when someone comes in for crisis counselling in their already to payments behind, not because does it just in general and we

guy with a mortgage company for them to pay a payment for four months and that's a forbearance agreement to get caught on the two there behind and they mortgage coming do that you can negotiate with them and get them to do that in normal times. Right now, this remit spur standard is a part of the care that this is that I am sure business leaders hiring right now, maybe the furthest thing from your mind, but the fact of the matter as we will recover in the mean time, one of the smartest thing you can do for your business is to be prepared during this time. You can count on my friends at linked in linked in jobs, put your job posed in front of qualified candidates every day. When the time comes to higher for your business, you can get fifty dollars off your first job post.

Linked in dotcom slice. Ramsay terms, conditions apply. By joining us, America were glad you're here, Yasmine Weathers in Virginia High Yasmine. Welcome that Abraham to show you Dave. I'm can how great? How can we all want your son for honour to talk to you, you mustn't she went out there and when the publicity, and published a book in January that hasn't even well armed and four year outlook, to love and I'm pulling out of my way. What's that

Wait a minute achieve unity with a military order, following they must books were sold out at a binding opens book signing and because it is wonderful, men club several meetings book up after that, but because the coroner virus, everything's gonna, came to a halt now. My book is my extra income, because I am currently working on thirty September. To answer my question to you is Do you have any advice for one in the book business and what action do to keep my bookshelf going because, right now, I can adopt stock. What's a book about you, While it is the military version of IE paler and save the next year. I it's it's gonna give it behind the scenes. Look on life in the military sector, because I served in ITALY for eight years. Church nonfiction. Nonfiction is about my Morgan, not going up in Haiti and join the pillow. Carry it certainly wonderfully so I'm really part of it has been the husband, the typical reader.

My readers are women, Melcher women, single women, is it so it's I have who played audience so far had come into the hearts of broken one reject the woman who worked in invoking homes and that one point I would also hope, like some speaks about what it's like to go through homelessness, my colleagues and I eventually came gradually Carla Jean became school teacher. So so wonderful story shall surely aspiring vertical. What's that I don't care its internal shut up in the cube diary of Homer so shut up, and look you that's all of those isn't on Amazon here yesterday Amazon Barton Lobo that car, so we just gave it a good blood. Just now. Well. Thank you very much now. In addition to that we do what we would be doing and why. Are doing, I guess is we're trying to reach our audience with. The

waves. One way or another this time without physically going to the location. So once signings out who find books or not you could set up only website to sign a book and may lead to someone or offered little looks for someone, but you could So basically what you're looking for is a way to create. Why should the marketplace and that beyond other people shows an create you tube content and broadcast content, I guess we d around here Are we that's how weak move these brands around here, as we have in other? common radio show the can common podcast. The pit common facebook the king common, live you tube stream, begin common Youtube channel. And then they can catch him. Their plush then can common goes on all the way. Media's,

guess out there as a guest to promote his thoughts and therefore his book Can you ve been doing a bunch of it? Yes, when right now, there's a great time to be on pod, yes, K, people are look, look and you can you can do a video zoom interview, you can do a phone interview and to be looking at the podcast that are out there very easy to find There are programming for your target audience you just listed out for Dave moments ago, who your target audiences so who is planned Turning to those audiences. Sites to be on Instagram, actively engaging on Instagram if you're, not writing short form court content, getting people or influencers in the space that you want to be into the audience that you are writing to get them on sorry I'm lives all of a sudden. You their audience. They see There lie with you he D be offering discounts.

Need to be doing local media, even if it's from your home. What can you do? You here, every opportunity possible to get on a platform right. Some articles submit them to two website again that have your target audience as their consumer you gotta keep. For the eyeballs in years and now the way you sell books, whether in the corona wires or any time, quite frankly, yeah really don't let it changes. You just can't the physical location and can't show up at the tv show for the interview nowadays and I'm not gonna, be any in person book signings nowadays and that's you know, that's what you're dealing with.

But other than that. It is somewhat that the biggest problem we ve got is people's heads. Space is taken up with corona instead of with your subject and if you're, to an extent, your subject doesn't fit into. What's going on it's a problem, the Good NEWS is your subject with employment on getting a job training careers fits in my subjects, help people money fits into the vicinity. Asian. So if you ve got a a subject that outside of that is a little difficult to enter their heads base, however, people have time on their hands to read books right now that they may be didn't have before so what Does she talked about her story? How she overcame lot of things? There's gotta be a page or five or ten or twelve pages in that book, where she could lift the content there and put that out there.

That message shall deliver inhumane variety and you might be facing Koran adversities, that's good! There's content! That's transferable! Very good! I, like that, which is whether to New York. I went welcome Ramsay, share I would have very high time? Thank you so much for cooking. My call Chopin cited a quick question. I was recently followed by a very large company due to the coordinating pandemic and lately is being followed. I've been hearing a lot of years about this. We need that kind of worrying. So, for example, like a sea level officer his step, ground they were dropped from the ESA. Ninety five hundred to small cab talk about recapitalization. And I'm just wondering, should I just can't in their end, like in good faith that they will call us back. After the fella, or should I start looking for another job, how many worth our job on their role

thousand. Not only in the Congo is what will make a very large number you making like the Hyena higher fifties. Did you like a job. I bet I record ideal: can you make it through this far lower. Do you have to get back to some type of work at some points? I parent inquiry David in working for you for a very long time, and I have an emergency part. Shall then the next thing? I don't ask him a shellfish. And you ve got a better gauge on this thing. Cannot do what do you say The probability is that this company survives and calls you back, Fifty four percent five percent I want to say, maybe be sure what would you tell your little sister to do if she had a sixty percent chance of getting a job? But I guess I thought maybe start looking for

But now I think I would yellow question I have his head. If you had not heard about this, maybe a little bit of a toxic situation gone on to cease we love or how are you describe that? What would you be thinking about not going back if you hadn't heard the? How much is that weight on that question?. A lot of each way, because it publicly trade account As you know, a lot of use out, thereby what's going on in that some sort of a dead. That's why I'm asking question about her lower percent in ITALY. I would worry: do you think that larger percentage answer gone back there, You think that you think we're egret. You think they're in big trouble than you thought before Y yeah yeah

play, and I go get something great and then always know that when the furlough opportunity comes back, if it does now, you have options, options are always good. Yeah, I'm not gonna, just shit, I'm a mobile caught doing something, even if it's wrong like that ready aim aim Norma look I'm a look. Also give some thought to this. But I Ramses

Our support for the re proverbs, twelve fifteen. The way of a fool is right in his own eyes but a wise man listens to advice Jefferson said, but I hope our wisdom will grow with our power and teachers the less we use our power, the greater it will be, and found a triple eight eight to five five two to five. This is the day. Ramsay show common Ramsay personality joins me today on the air, answering your questions about jobs and careers and, of course, we're taking your calls about money as well day: Ramsay, DOT, com, slice hope page contained For a few more days to have the fourteen day, free trial for financial p

university? I can promise you we'll be changing in the coming days. I don't know what will change it to our exactly when we're to change it everything's in flux, right now around her of course, Damn Our team is all working from home, with the exception of a skeleton crew. Down here to do the shows watches skeletons in their I'm. Looking at right now, strength. Looking skeletons, I see James Skelton Ashy Dave Skelton Nazi Zack Skelton, our not funny that's not funny not forcefully. My hair was wait, Frida anywhere else, your goal that you are hoping it we're gonna turn out funny, but its direction, accomplish hope we did to add some stuff. Today we took some stuff offer. There were adding and take waste of all the time figure out how we can best serve you geysers urundi right now, all of our. Folks, including all of our number ones, including, Anthony only eels, which is the latest number one. We had debt free degree, all including the proximity principle number one backin com

including all of the number ones that I have done, including the total money make over ten dollars. Each that's a deal, and you get that right. You can buy Rachel crews and Chris, Anthony only or can common directly books all day long give them away. The new quicker eight sixty four pages long by

Anthony only or destroy your student loans. That was already ten dollars is ten dollars. The audio books or ten dollars the envelope systems a lot of em ten dollars everything lots of stuff. Forty different item, mostly best selling books, ten dollars, each all kinds of other things at they Ramsay DOT, com, slice up and I'd, be looking at that and checking out the deal's, because these are really corona specials ways that we're trying to forget ways. We can serve you guys, while you're at home for a few more weeks you're there and show, or some of you are not at home at all or some of your gunnbiorn longer than that shall whatever it is. We want to be here to help you through this and so that when you do come out of your caves into the new killer winter

you're gonna be able to use those zombie apocalypse is over. We can get out and get back to work, and you know back to back to life again. You're gonna be better equipped to do that. Dave, Ramsay dot com, Slash hope our Jimmy is weathers in Georgia. High Jimmy welcome that ever amnesia. What's going on here, I appreciate it. I'm gonna get you the others. I need some help I'll give it a shot. What's up, ok that have lost my dear and I have applied with much what the state of George you for uninformed compensation that case has not been decided yet, but we should get the internet, but I was lucky appearance about the copyright T corona virus program that term,

is currently trying to help people with that were affected by an. I think. I've heard something that may be surmounted format compensation included. Bill various another, six hundred dollars a month? and it will be another six hundred dollars a month extra and it will be administered or a week which is and should be a week to week after that. And then it will be administered through your state shall, when you get your state unemployment it'll be tied to that and, of course, in addition to that they're sending checks for twelve dollars to each adult and five hundred dollars for each minor child that you have shown their coupling of twenty four hours, plus five dollars per child. If you dont make over whatever was hundreds and if a thousand dollars or something like that household income and some of you, if you make under that household income, you begin

stimulus check as well, all let's go to Emily in Iowa, high Emily Welcome to the Re Ramsay Show they ran, can drop amongst yeah question. We were then on a house were two hundred thousand dollars Morgan, we have a market, the two hundred thousand dollars on fifteen year mortgage- and we also on sixteen a very clearly in the country thirty miles away by my parents are not worth about two hundred twenty thousand. Seven acres of farmland on it that we girl and they'll alfalfa and we make like thousand dollars a year from baling, hey on it, and somebody approached us and asked to buy the seven acres of farmland and build a house on it on and

We tell it to him for like seventy thousand dollars, and I wondered if we should sell it to them or keep bailing hay on it. What would be better? Why are you? Why do you own? It. We lived out there like three years ago. We bought the way from the control. Do you with one into because well we tried to sell it, and can I really get it thought I'm so we thought a different out that went on instead and now we kept the one in the country, just as we were ok, so he saw what a place in the country if you showed off all the lander steward thousand dollars yeah through twenty ok The authorities thousand hours parliament earlier kitchen table. Would you go by this land again right now, today, probably

now going on. It's just like you ended up with it by default, rather than by strategy. And so what I would do so at all yeah and pay off your? How well yeah. But you don't want to lose. You don't want to. I don't you want to her. No, not really well, because I kind of wonder to keep some so we could keep Bailey negatively barely with my parents and it's kind of a thing for us to do. Else, my dad out of the cattle and then we felt Well, I hate it when you learn that doesn't have a hayfield yeah yeah, what if you want to help them on his field yeah.

We could do that you're, not my guy, a return on investment when you make five thousand dollars on a two hundred thousand dollar investment. That's a call, that's called about who percent rate of return and you had to go live. Bales, so you really large money when all the measures we have. You pay yourself, a dollar an hour. You lost money here, so we went out the other side re about you on Serbian, either that it's not a big house. Its left Now, if you want to keep because air your family and you can afford to keep it, that's fine, but I asked you if you didn't on it and you had turned on twenty thousand dollars in cash, lay in the mill, your kitchen Debord, you go by it, and you said no. I didn't say that you said that, and so that's called a sunk cost analysis. If I hadn't done it. What I but again and that'll too I'll- tell you to get rid of a lot of stuff in your life and I'll even pay to get rid of a job. If I hadn't taken this job

What I don't I get now, then it's time to get out of the answer's. No shame think not in the middle of this mass. Unless you got some those land up flat, but you know you can analyze you're gonna start to take up your time. If I wasn't a member of this club, if I didn't go to this church, were I join this church by one already here. Peoples are not just gets in where they are rather than where they're going, and it's always a good exercise to to to offset their yes a situation where a lot of people get hung up. What, when other people say if we saw the sleigh, they think we're crazy stuff worry about what other people say do the costume? this question, I think that is the right way to think. The great reveal a dozen reveals about your time in your money can common can combine, show thanks running out. Good could be here thanks for him

this hour that IRAN's you show in the books are thanks to James Childs producers, Bennett our associate producer. I am day Remsen. Your host will be back with you before you know it in the meantime. Remember, there's ultimately only one way to financial peace and that's from daily with the prince of peace crises, the middle of these uncertain times, Ramsay solutions wants to give you some hope, for the very first time ever were giving you financial Beach, university pre for fourteen days of Abraham Zidoc arms like oh, so you can watch from home.

Have you got questions about retirement, investing becoming an everyday millionaire, go beggar and broader with my man, Chris Open on the grass Albin. Shall I M excited to be able to talk to you all week in week out we're gonna focus on your calls and it's going to focus on building wealth, investing and how to become an everyday millionaire subscribe to the Christian. Wherever you listen about gas? Hey it's just producer of the day. Ramsay show this