What Happened This Month?

Facebook and Twitter are two of the best places to catch behind-the-scenes glimpses and the most current updates from Dave and his team. From vacationing tips to funny videos, there?s always a little something for everyone. Check out some of things you may have missed in June!

Facebook

Dave Ramsey

Steve: Don't think you can take a debt-free vacation? These Dave fans did and tell us how they did it http://bit.ly/mrsFYF

Blake: My Father's Last Gift To Me - Dr. Meg Meeker shares about the gifts her dad gave to the end. http://bit.ly/mOwbyn

Failure is not a single, cataclysmic event. You don't fail overnight. Failure is a few errors in judgement, repeated every day. ?Jim Rohn

Steve: Know someone getting married this summer? Great article on daveramsey.com: 5 Ways to Keep Wedding Costs Down. http://bit.ly/mbQQg3

Blake: "If you need a new President (Republican or Democrat) to give you HOPE...then you're an idiot." ?Dave Ramsey

Blake: 100 yr old Dorothy Custer on Jay Leno talking about the worst invention in past 100 years. Can you guess? http://bit.ly/kttSUz

Twitter

@DaveRamsey

People who sacrifice to change their lives and their family tree screaming "I?M DEBT FREE" on my show are my heroes.

Get all Braveheart on your debt. Go crazy, paint yourself blue and charge into the chaos with fierceness.

Even a child is known by his actions. Protect your personal brand 24/7. Be a person of quality in ALL areas of life.

@RachelCruze

So thankful for a dad like @daveramsey, love u so much & so proud of u! Happy Father's Day to all of u dads! http://t.co/Oz3RwbG

34% of teens say their family talks more about money bc of the recession. Remember parents, your teenagers are listening!

@jonacuff

What passion or dream would you pursue if you had all the time in the world? #QuitterConference

Have you ever excitedly pointed out a cow or a firetruck while driving & then remembered your kids aren't in the car?

"It's hard to be sneaky in flip flops." (Over heard at the Acuff house this morning.)

@DaveRamseyLIVE

"Success is a pile of failure that you are standing on." ?Dave Ramsey

@EntreLeadership

"The temptation to quit will be greatest just before you are about to succeed."

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Source: http://www.daveramsey.com/article/what-happened-this-month-june-2011/lifeandmoney_other

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Credit Counseling - Help Is Available

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If you have fallen into debt there is help available to you. When you get into debt it seems as if you will never get out of it. You may need help to get out, but there is a way.

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Source: http://ezinearticles.com/6357822

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WHA?! GOP Senator Says Party Has Agreed To Hundreds Of Billions Of Dollars In New Revenue


Jon Kyl

Huh.

Via Reuters, apparently GOP Senator John Kyl just said this on The Senate Floor:

"If the government sells something and gets revenue from it, that's revenue. If there is a user fee of some kind and we want to raise that to keep up with the times, that's revenue. And if you add up all of the revenues that we Republicans have agreed to, it's between $150 billion and $200 billion."

So that doesn't sound like tax increases per say, but given GOP adamance that the government should not take in any new revenues, that's still odd.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/2m-rpHWCJbI/jon-kyl-says-republicans-have-agreed-to-new-revenue-2011-7

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Your Start-Up Isn't Unique, But That Doesn't Matter


suits-in-line.jpgI’m a huge fan of Kirby Ferguson’s Everything is a Remix series.  If you haven’t watched the first three installments, you can (and should) do so here.

The series lays out the persuasive case that big, important breakthroughs in science and technology are emergent phenomenon.  That is, they arise organically out of our collective, cumulative knowledge.  An “invention” is simply a historically demarcated tipping point on a continuous path of progress.

Fittingly, Furguson isn’t the first to point this out.

Henry Ford said:

Progress happens when all the factors that make for it are ready and then it is inevitable. To teach that a comparatively few men are responsible for the greatest forward steps of mankind is the worst sort of nonsense.

And long before Ford, the 18th century mathematician Farkas Bolyai vividly observed:

When the time is ripe for certain things, they appear at different places in the manner of violets coming to light in early spring.

One of the remarkable implications of this theory of invention is that it de-emphasizes the individual innovator.  Not only are notable inventors standing on the shoulders of those who came before, but even their particular contributions are often made by others simultaneously:  Alexander Graham Bell and Elisha Gray patented the telephone on the same day; Charles Darwin and Alfred Russel Wallace independently advanced a theory of evolution; and Isaac Newton, Gottfried Wilhelm Leibniz, and others have all been credited with inventing calculus.

As Malcolm Gladwell summarized in the New Yorker a few years ago:

Scientific discoveries must, in some sense, be inevitable. They must be in the air, products of the intellectual climate of a specific time and place.

Do start-ups follow a similar pattern?  Is it possible to have a truly novel business idea? Should we think less of famous entrepreneurs?

There is no doubt that if you are on to something, so are others.  As a VC, I often hear nearly identical pitches, especially at the seed stage.

But there is one critical difference between market innovation and scientific discovery: in the marketplace, the insight is merely the starting point.  That’s why it has become a common refrain to say that ideas are cheap and execution is everything.  Look at Google’s execution versus all the other search engines at the time, Facebook versus the other social networks, Amazon versus the other online retailers.  What is exceptional about someone like Mark Zuckerburg or Jeff Bezos is not so much their initial insights as their consistent ability to execute.

Most competitive stories playing out in the start-up press follow this pattern.  First, there is the emergence of similar looking companies, followed by a winnowing of the market as certain players out-execute others, and concluding with a subset of winners.

The implication for entrepreneurs and investors is the same.  It is necessary but not sufficient to have great market intuition and timing.  In order to turn new possibilities into valuable assets, it comes back, as it always does, to delivering the best products and experiences to customers.  Nothing new under the sun, indeed.

This post originally appeared at RRE Ventures.

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Source: http://feedproxy.google.com/~r/businessinsider/~3/1l7SpmdQbGA/startup-not-unique-2011-7

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Bankruptcy Protection: Discharge of Debts Explained

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Bankruptcy protection provides consumers with a way to start over again financially through a complete or partial discharge of debts or a reorganization of debts. For many consumers the most critical consideration is finding out exactly what types of debts can be discharged in a Chapter 7 or Chapter 13 bankruptcy. Individual financial circumstances and state-specific bankruptcy regulations will determine exactly what debts can be discharged and by whom in a bankruptcy, but for the most part these debts include: taxes, mortgages and equity lines of credit, loans, medical bills, and credit cards.

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Source: http://ezinearticles.com/6387724

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Construction Project Plan Template

Each building project needs to have a construction project plan. In order to make up the plan for the particular project that the company is about to begin working on it will help to have a Construction Project Plan Template. It is not necessary to make up one from scratch whenever a new job is begun [...]

Source: http://www.legaldebthelponline.com/2011/07/06/construction-project-plan-template/

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