From their quarters of Ramsay Solutions broadcasting from the dollar car rental studios. It's the day, Ramsay Show where matters DOM Caches gang in the paid off home mortgage has taken the place of the Bmw has thus not US symbol of children's. I am Day Ramsay your host Anthony O meal Ramsay personality. As my colleagues today as we answer your questions about your life and your money, it is a free call. Some say they advice is worth exactly what you pay for it triple eight eight to five

five two to five is the number Aaron is whether certain Marian Illinois, starting off this, our I'm Aaron. How are you how are you get better than we deserve? What I might call And I are in babies have to worry about long radio One of the things are trying to get rid of Karla, we alone and are having trouble selling it and so on. The ideas we then kicking around is because bird sat down on it, is to try and can appear at your aren't. You we cannot let them alone. You know her. the bank, teller If, though, you thought about that idea I'm with you, How much are you currently in altogether are now air only bring our at one hundred and ninety one thousand yards

Sure about gas by the city had lasted. Allow owes the doktor lawyer I'm in a town with energy that number do she's gonna, doesn't it if you want, so how is it possible to get one I do when I stood allows about a hundred about what he owned a car in worth their dreams? fourteen, sixty tat alone, that we ve been trying to sell it for about a month ago. You haven't had any wanted on what kind of car is animal? have you got every got listed at the market value or what you owe me, I put it there if, at the end of the Caligula inside the which was briefly explain. oh hi, I was alone

but let me get him before getting somewhere to wish on earth idea. Poisoners annual income are now well. We for kids. Oh man, I read about in the air. So have you tried the The difference, if you'd, if you needed to borrow the three thousand dollars to get the car, could you probably I didn't want you along we're on our way out you too, but I would rather, you have three thousand dollars in that the sixteen thousand dollars in that when you saw this car, what are you gonna drive, weird and pilots and courage It's all there and then try to go, buy cheap and better basic I likewise with all the kid I we have another carload paid out loud and clear for continued work, ok, so either plan will be fine to pay it down.

And get rid of it or to take up without not a personal loan, because you reduce your dead from sixteen to three you're still reddish at any cost- to pay off the three in Europe about- and it will still be- your dad snowball, one of the quicker ones you get to Look at that. either way or work, but yeah you're right to up the car is not problem, but you need the traction cause you're in such a deep hole that you need to get in your done, everything right to get there appreciate. You been willing to sacrifice to cause. It all happened thanks for the car, phones, a triple eight eight to five five, two to five, you gonna jump and we'll talk about your life in your money. Lion is weathers. Leon is in Raleigh, North Carolina Island. We can do that. I Rams Asia. Hey Dave: are you done better than I deserve? What's up great

I had a question about utilizing. Your foot close binging account mercians going into sport mood to plan for a pregnancy. They would do both do but ok. By stork mode you mean stop you're dead, snowball Empire cash drop, your total money make over baby steps and pile up cash until then countries are what you mean by Stork move am I steal, it rises and never go in the Stork Moldova that that's pretty good, initiating stork mode, ok, but the yeah, so you Paul application, but the money, that you're going to the flexible spending account but you ve got- is one twenty. Five cafeteria planet, your office and in all at your company, and it allows you to put money into that account tax to pay more. What else is that correct?

and what I would do is estimate what your medical bills regarding the baby, you're gonna, be an I'm a little at the government pay thirty percent of them by paying them with tax free dollars through the flax, spending. So if you estimate that you're gonna be out of pocket three grand beyond your watcher insurance coverage, which might be close here want that three grand to be in the flexible spending and, as you probably know you do not, more in the flexible spending, then you're going to use because, but everyone there at the end of the year. It goes way you lose it I can only while over five hundred dollars a year jail. So if you ve got two thousand dollars in there too much. the year. You're gonna lose fifteen hundred bucks. So you don't want do that, because we want to estimated and then be just a little bit low, but do you What's your honor pockets gonna be on the baby. Not yet the deductible on our discharge. Keyboard mood

seventeen fifty, but I haven't worked arm into more detail on that just yet, and there will be an eighty twenty, probably right right right up. Stop large and sharia, my three thousands more monogamy that far off. so yeah, let's make sure you ve got whatever you you're gonna be out of pocket goes in their everything else goes in a pie, how to get ready to restart your death. Snowball after baby comes home and we we go of Stork mode out just by jumping on, had just make sure that once you get It just say MAX out that huge and everything else and savers account you now spinning it and as soon as you, you and your baby, our home, uncomfortable you take off he slammed back onto babysit number two, and boiling. How do I look don't worry, I'm glad you're. Thank you miss my congratulations on the baby by the way ok, so slight difference between one twenty five nature say: health slave the council does not what she had. Ok, that's a little.

Different the one twenty five planet section, one: twenty five in the irish code that allows a company to have a health programme or a benefit program at their work, but we don't have one here. We need to do one problem that allows you to put money into that pre tax to take care of certain kinds of expenses tat you can use. to pay day care, if your plan is your plan allows it You can use it to pay. Your medical doctor guy you're tryin allows it. You can It can be in addition to an age It's a separate thing, but it's the irish government, usually a larger companies, is fairly expensive plan to put in place to man for they age, our team, as you might get yes, but you can have kinds of different categories in there that you and your purchasing those items with pre tax dollars. The two best ones. I love, are the deductible covering all day care

average. Yes, that kind of thing, and so it's a real or I care or dental that kind of stuff. You can do it all self funded that way in there with pretext dollars and basically you're, safe and other taxes on show for most people drive some thirty percent got. This is that I am. She shall not

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For joining us America. Romeo ramshorn personality is my co host today, open phones, a triple eight eight to five five, two to five Katy: isn't cardiac Alaska high Katy? How are you, Dave, I'm great aerial better than I deserved it. How can we help? So here is the story, my husband, I lay down your programme twice. Now we have zero dead We currently live on our land and a trailer we paid for. We know that we have our emergency funds. We have our three six months on. We ve been investing in our. I raise each of us the last year

So my question is what you're going to build. A future home on this property, rendering house how to go that if we should go I mean anywhere, is expensive, really expensive. Worthing. I'm doing like phase is saving in doing it. That way. I have a few questions, but I guess the first one would be. Should rest saving the bell their home. Shall we do it in an investment account or a savings. Account would be one question and then, in general, my other question abuse lake. What do you think of taking out alone building our home. Does any let a lot of money to obviously I don't know. What's going on money, tell me how much here, I would say in average average like a decent home is through dinner. Fifty four hundred thousand honey. If we want, like a nice, Are you our future home, later retirement home taken one sure what your household income so we we

Call me give ourselves five thousand a monster. Sixty thousand ear right now, my husband, either down business, others will go remarriage, he he's been met about two hundred thousand. What does Europe? her taxable income is two hundred coca. Will you take, What you take home other business done matter what you have to work. There's two hundred thousand dollars right to do to do a stunning. That's like piano! boy that is expensive. No, it's not a taxable income. Then after spend some of those, not taxable income, you Tom, but as gross revenue, is two hundred. Oh, yes, I'm sorry he's growth What did you pay taxes on last year good, I don't have a black number, but he made around two hundred thousand told we give our no. We do not make two thousand. He brought him to her doesnt gross revenues.

If he had two hundred and one thousand dollars and expenses, he made nothing. Oh ok. I guess I need to ask him the more that works with the business brings in money. Minus is expenses his gross minus. Expenses equals net profit. Profit is what I'm asking about something? your pulling sixty out of the prophet to come home, but he's problem, and more than sixty but he's not making two hundred cars to under sounds like his top line is gross revenues. Ok, So if you're, making a hundred you might can afford a afore, it does not our house, but otherwise Can it doesn't matter what it costs there? What matters in which you can afford You can't spend money that you have just cause, that's what it costs. Otherwise you can go by Bentley right, so I mean, how shall we say for the sake of what would you do where we're act or metal

It's simple equation here: Katy and putting the savings account or if you want to put the money market now, that's fine, I'm not gonna! Love take a lot of money when it comes to save and to build a home dumper investment account. Don't worry about that. I think DAS number one than ever to our deftly is this. It sounds like you have two options here. You can save mph cash union husband has have to sit there and talk. Behave. Is gonna, be a five year journey and are we ok waiting for five or six years to protest two hundred thousand the house. But if you don't and the only thing it we're gonna tell you is if we get it take out a mortgage, you need to put down at least twenty percent and financing fifteen years what a fixed rate have to ashes there, and

thank you build a foreigner thousand our house with your income right. It doesn't sound like anyway. I don't know what you're net profit is on that two hundred you get common aim, but it shows like it's, not the net profit. So the question you need asking: what is our net profit, which is also what you're taxable income is because, That's all they're gonna use your tax return to qualify. You for whatever mortgage you get it'll, be ok, action alone, the conversion permanent mortgage irregular mortgage after the construction project is completed, but all of that will be approved based not on what you think you make not on what you wish to make. Not only You put in your pocket, but don't report illegally under the table, but what your tax return says. Yes, that's what they're gonna use is your income tax return? What did you, taxes on it. If you didn't, I taxes on it. It is not income for purposes of this. Mathematical formula, the mortgage companies going two years. Is they

comment and all went well depreciation, listen if you paid taxes on it, you can count. If you didn't pay taxes. Are you can't count it? It's a simple answer. I'm gonna gas and say: if he's Poland, sixty outing may be Rowan from the profits back into the business. So we'll go to a further down to say: you're, probably make it a hundred, that's my guess: probably a fire. after that, it might be unintended, might be ninety, but it can be somewhere in that general facility. I don't he's only making sixty and also don't think he's making two hundred based on the discussions are four hundred, probably out of reach she's, gonna save up a good downpayment like Anthony, said Anne, just use the money market, account nothin fancy and then The construction loan converting it to a permanent, That is no more where your payment is no more than a fourth it you're take on pay good question. Thank you for joining us. phones triple eight eight to five five, two to five Melissa. Isn't gains Veil Florida high Melissa! Welcome that over amnesia.

Thank you. saving up cash to buy a home in cash, and I opened a second bank account Ohio venture count and when I got two hundred and fifty thousand dollars. I realise there would no longer be the icy insured by openness. They can count to continue stating cash, and my question is: when you Actually buying larger properties and cash, especially if I want to start investing in real estate in the future word, you actually keep all this money to keep it up. I see insured enslave. Ah, you dont, my money that Schaefer rose day is not if they actually insured it's in mutual funds, ok I buy just stay ESA. Ninety five hundred index fund that I'm not

we're on our money to pilot up for real estate and come back and get it after a year, and I have no taxes on the gang arrive at capital gains. Tax on the gain is all, and if you leave me alone at least a year you gonna save II on taxes and you'll make more on it. Then you would have stupid bank anyway, They actually insurances, two hundred fifty thousand per depositor purpose. give your married? That's five hundred thousand. there's a lot of not worried and that's right, then you can you know, you got three banks of summer for two thousand, but you're stowaway Megan one morning at eight there one and a quarter on your money over there. answer me: they wanted to be super safe, like that you're surrendering any rate of return, but think anything at all about three million dollars in cash and pay five hundred, that's a very stable account. It's! stable as the american economy is, I could go go down and value, but the chances of me losing it all almost zero. If they and pay a five hundred becomes one zero, the American

States of America has collapsed mathematically. It is so that means top five hundred largest companies on the stock market are worth zero in order for, all of them to be worth zero. That means the United States has gone. There was an atomic bomb. Was dropped or something or child took over or whatever crazy scenario. You come up with a I'm, not chances, I'm not worried about that can that some people are gonna put in a million dollars or a hundred thousand dollars and come back four months later and be worth ninety six thousand yeah? I can Mostar four thousand hours on a hundred grand I could, but mean, but I'm not gonna work, the FDA. She insurances in the event of a bank failure and in Your bank could fail an individual mutual funds could fail, but is very unlikely and individual stock investment really could fail and they were zero. That's very high likelihood a much more I like live at anything we're talking about, but if you want, if you ask me

got across banks. You can do that. I dont know full well that irish dump it into an action plan on this is that I am sure, that area around your version? I will use my co host today. This is the day. Ramsay show Open, found a triple eight eight to five five two to five Donna is where those in wake flourished North Carolina, high Donna. How are you

shine Dave High Anthony. How are you doing great? How can we help? Thank you. Taking my call him a little bit nervous every down. All my local here goes on. Give you some background. Go my husband and I are on baby steps too. are you know when he, the logistic manager in our annual income is about a hundred and twenty thousand dollars a year. I learned about your late in life and fifty two years old man with a kind of a younger than I am sure the dilemma I gotta, and before I met him, and it is worth noting that might we all to forty six on the home You ve gotta, be brought about through you're, looking thirteen dollars thousand dollars Bari if he felt his, we could be out of debt the day you sell it. Are you living in it? We are living in it. Currently, but it is a true story, home life and combat very well. He has issued a very easily leg Bobby.

As you know, one ass we get older are gonna, be a problem. So you're, not you're, not liking. How long do you think you would stay there if you didn't have dad. If you didn't have get me outta me was proven failure by some land, and we would be- our home on on some minor one story home that meeting ready for the duration. Can you do at first three hundred threat or fifty thousand years time, but let me just add something else to this equation what about a couple of years ago and her huh it has been a member for a couple of years. Finally, we add up at a point where I can put it home for eighty thousand dollars and good living at home I'll be home, would be totally out of debt. And come and live like no one on today, We can later Let me guess what no one else both just wondering if you thought be a good idea for the project that home that's my home.

Eleven hundred square feet. We currently living in the twenty four hundred square foot home to people. Sorry, you say I sell this undone. Are you saying, sell this home get to equity in turn I'll. Take the equity angle by your mother's home. Aren't we I was thinking, was hasty ascidians pay off, yeah, then take a longer by my mother with a mortgage mortgage. Ok sermon deserves only yeah evenly. thousand dollars. But is that our home, it you want to stay out now that just a temporary thing, that's a sacrifice to get out of bed and oblivion. The greater good later, maybe air, we got one you know, my mother was very harsh should at home. What's the horror that the home, it was about thousand dollars any real annual by four eighty. Is she living on. My mother is

You got an tweeting aka, whose in all now, no one whose houses it we ve got well complicated situation. My mother left, a life is taken her home to a friend of hers or of a person that she had been with her partner for many years, and she left me. As Gary. If that person decided to leave or whether the case may be the homeward go to me, hush the owner of the hall. Very, very weird situation out. I guess it's hard, They are now. It's not hard to save the life of state is not the owner of the life of state. Is access, owning property, lousy, live till then that will be made. As long as early as if you want to leave the higher paid for it? It is not What is out on it it has it has about, a thousand dollars old on it in Europe, to pay that bill? I have to the home, because the way my mother wrote this whole thing. I will personally

idle to a portion of the tale of the home. He agreed that the home could be thought. The old agreed, how'd your cell and to show and take the money paid the money. The Syrian is cut. You move on Cousin S, when I go into your pocket rather than if his only the o thirty days, and it's pretty down and how much is his part, one I'll be there what we do not want to build, and once you know the thirty thousand have these backing to the bank, and there are some lawyer feed that have to be to be paying occur. We do not think they will be much less prosperous point. Fifty fifty is supposed to be split, difficult, cash hundreds of nearly eighty minus thirty is fifty thousand dollars you dont have. Thousand dollars, and legal fees and expensive to sell it sure now now, Ethernet cable number forty grounds. Ask me twenty in your pocket. There might ok, take that. May take that Nugent of your dad, and I was set in this home until you clear your dad, I washed out of you

did you say No, we have about eighty thousand dollars wicked. Let our either sit in this house or I'd, go ahead and start talking about selling this house rent. for a little while somewhere, while you the other house yeah I'm going to try to move into the country, culture, here's the thing, you're, you're, sorry, I'm putting down our house if you move in a three two or three fifty you're, not really you not, me, I'm gonna wanna go my dream houses just one level in the country. It's not seventeen! Fifty grand it's about what you already have right by and so on. when a swap this one for that one it does so you back now you see what I'm saying yesterday. Sell Mama's house and you sit in this house where you get dead, free or going to sell it and read. Why you get that free and then they plan and a bar farm and put my one level how shown it until your husband, thank you for his services.

Right now, I'm sittings, I'm I'm sitting still, because I did that twenty thousand I go down to sixty making one twenty week be Jeffrey into here. Lagos and then Have you seen it, but you gotTa Charlotte, when you get right about the other anyway, yes, and then you got profit There you could go rent for three years. Cluppy are two years it wouldn't they wouldn't be by abolishing it's. It's a step cause you're, gonna, move out of anyone get sold and have that money, EL the one level later, but yeah, I'm not I must remind Russia of that sounds like a nightmare for so many are so the cooks and catch, and that this did not so much fun to me, Bob's for Lauderdale high bomb. How are you doing? What are you guys doing better than I deserve? How can I help as well? I've got Where do I'm, I'm retired, but I have a very sweet our time job and that part time jobs take

on the road for about a thousand miles a week, and my car is about getting close to the end of its life son rustling in my mind, whether to buy a new car leaf car or just in the car on the two day that I'm out on the road. Learning is adoption relations on a good option, because them you're on the mileage up over and it's gonna blow up the deal. It's gonna make it not here's the thing we need but that many miles on a car you, all of us can agree. It's gonna go down and value very, very quickly, agreed, probably in about a month Thea for real So if you LISA Car there, gonna lose money on the lease. There are not stupid so the least ruptured in such a way that if you do something to the car that cause us to lose, that much value like put mile zone it or more than normal, wear and tear it affects,

you get when you turn it in because going to hammer you with being over on your miles and the least not gonna work now are german pay for the lost value in the lease another time so that doesn't work. The renting a car, my work, if you catch war, the rent, a car people were there doing their math well but very. Gonna put some kind, a limitation on you to keep your We're doing to their car what you were doing two years, which is destroy its value right. So how much is it so much you saying if they're not gonna had a shit you're not gonna had to pay its under one of the shells. Ok, the usual and now again you might catch a rent, a car company that didn't put some kind of limitation on issues as Tunisia Weak, and this is the blame Europe remain, I'm doing this for ten years or something, but but what I What you're probably you're? Probably your cheapest mathematical option is to buy it an expensive car

thousand dollars, or so there, just use for this, because your destroying this old Honda Accords value, or this old? so most value or empowers value or focuses value are not bouck, as you know, has been found. A popish by you know, whatever by me, Somethin medium sized, its reasonably comfortable but you're. Just knowing that year, just you're you're wearing this thing out, it's a cost of doing business in that's, probably what you're gonna do

tar scripture the day Romans fifteen forward, for whatever was written in former days, was written for our instruction, that through endurance and through the encouragement of the scriptures we might have hoped. between the impossible and the possible lies in a man's determination, Tommy Lasorda said very interesting Eric is where the sun, Orlando high Eric, welcomed the diver amnesia. Randy how you better than deserves our. How can we help so I got?

soup from my credit card for non payment and spoke to a lawyer who advised that I filed for bankruptcy- and I found your lawyer yet now, bankruptcy lawyer for bankruptcy is like asking a dog of each hungry there The loss of error, twelve thousand, what do you make less than ten thousand I'm working to our jobs, ones like eight dollars an hour and the others twelve dollars an hour in our work on much howdy thirty one. what what's wrong and what will happen when brother, like you, ve, been kicked around. I We now have a full time. Job air.

Well after college. I am Clyde, but I didn't have any hope and with TAT I lost my God what the pandemic? What was your last job rapture? passing tabled at our garden, thirty one years. Why did you go to school, for granted ready and Do you deliver your mom and dad You know I love love. What roommates here in Florida? Ok, I am and you have twelve thousand dollars and I are a credit card. How much other dead? Do you have? Kids? Oh The twelve thousand dollars its twenty thousand dollars in debt What is the other eight. mostly medical bills. What kind of medical problems everywhere

nothing major. At a time like e r visit. Ok, let me tell you what I'm hearing you tell me you you tell me if I'm wrong. Ok, ok I hear that you have a pretty extreme income problem, air, meaning you. Don't make any money at all. Hardly and that's not a put down it just where you are right now and meaning that is more of a problem than the debt is another If we could. Double your income today. I can't Let's just pretend I could wave one and double your income, then we can rush this debt very quickly cause you figured out a way to make it on nothing. You figured out a way to make it on. Ten thousand dollars If you had another ten thousand dollars a year coming and you'll be able to pay, this offer a quickly. Couldn't you? Yes,

Ok, you're living below the poverty level and show income is our question. What do you feel like is holding you back on your career, is trying to get my foot in the door. I suppose I tell you what I don't think your bank I think you have a career crisis and that they could car company, even if they should you there's not anything, they can get. Because you don't have an income that they can get a hold of and you don't have anything in your bank account with, I can get a hold of and you don't have any assets, and so your but we in that world call judgment proof and so, Sir, I think what you have more than anything else is. I think we ve got to do something to get your car. you're going at your income up and if you do that, I think very, very quickly?

You would be able to solve this. This problem do have a car. You said you were years. two thousand and four, I think, will be delivering peaches, five nights a week or six nights a week. If I were you, if you, doing that the people that we work with around the country that we're doing that are making fifteen. Four dollars a month, which is eighteen thousand dollars a year. If you did that on, part of Europe, come now that would almost cripple your income and you'd be able to dramatically the bad dreams, what impact there's the bad news? Is you don't make much money? The good news is alive A bit of a move will greatly impact your situation, and so we ve gotta get more the income side of your equation even if we waved one and you had no debt today used. gotta mass because of your income. Would you agree with me on that? Yes,

Eric you in Orlando Florida and you have a very reliable car. Any reason why you haven't tried over, could you know the average goobers making aid between six and twelve hundred dollars a week. so have you tried that. Special, Orlando being a very busy city and there's their open. That someday. I can look look into currently I'm working to Jobs and I've been getting like gum than doing, setting our daily working almost over fifty hours, but you're making gonna get the average economic anymore? It might be that one of those jobs linked to trade out for a better job absolutely or both of them made a trade offer better I'm not sure. So. Here's what we're going to we're gonna help you ok number one, I'm gonna put you into Ramsay Plush for a year which all of the financial position of our city and they every dollar budgeting apt to help you with your money, but that your issue number two

I'm gonna connect you up with, can common and I just have- can call Eric offline and give him our twenty manage? As a favor? To me Eric is our career specialist areas. The can common show which, on sixty five radio stations around America, and he helps people their careers, and and I'm also goes into his book to read the proximity principle, And see if we can help you do, I'm playing and it could be in the voting world. It doesn't have to be fancy and had done to be that you get a Phd two degree to go. Do something we ve just get your thinking differently about your income side, because I think That's where your struggling yeah, I don't know, that's where you struggling and show you could fall by So if you want to but it's not solve your problem and you were regretted down of the annual still be right back there in no time

because you don't have an income and that's what's gonna get you so Eric. I really want you to look at it. Wilbur light now. Behind Us and ordinary people and what is their limitation on two thousand for car is limited. I just can't it can't be order than I think is. Fifteen years mocha will be hosting the sixteen Willoughby Sixty yards afore. I got account tourism, help you with your mandatory financial guy. I think it s yadda yadda, I don't know what that, but even if you didn't, even if it had lived, I don't know what the limitations are all that, but the bottom line is to ignore it leaves. Madam I mean you make it right now Shovel sand you're in Orlando, but I don't know there, there's there's lots of things will be able to day you hold on we're gonna, try to help here, because I think you're not bankrupt honey. I thank you. Scared, you don't know what to do and come around. Put our arms around your ship. We can help you get this thing moving. Hello, miss miskelly pick up for you.

There are two sides, the equation. Folks, the incomes the Alyosha, some of you don't have to do Ober or peaches. Some of you have it. fingertip fingertips. A small business idea that you can just start there but as long as there are leaf blowers at home depot. There are rich people who are afraid of leaves you gotta job somewhere folks,

there's something. You know someone pressure. Washington needs to be done there, something you be amazed at what you can dream up to make money and starch or small business I get all my gown makes Anthony Pye. Thank you day by state aid is childs until it anyone the both. I am day, Ramsay, we'll be back with you before you know it in the meantime, remember, there's ultimately only one way to financial peace and that's the walk daily with the prince of Peace Project, its Kelly necessity, producer and bends greener for the day Ramsay. If you would like to do your Devereux scream line on the sound make sure you visit daydreams last, shall we be laughing you? Two hundred ass well tat danger story

if you're looking for fun and practical ways to save money in your everyday life, you need to check out the Rachel crucial podcast from money, expert, Maidan, Rachel crews, guidance rights of creators and I'm so excited to tell you about an ipod. Has a lot of you filing paintings pay check their end ass. You don't even know where to begin that they have this need this want to get in control of their money and his match. You, you have come to the right spot, so needs episode, jeering at a time of inspiration and practical advice, not subscribe to the rates of crucial podcast makes region. Today there are more from the Ramsay network, including the Rachel crucial. Wherever you listened Abad cash- hey, it's just producer of the Dave Ramsay show this