denise whittemore ramsey

", "Dave Ramsey Fired Employee for Taking Covid Precautions, Suit Says", "Dave Ramsey fired staffer for taking Covid precautions, ran work environment where masks were 'mocked', lawsuit says", "Dave Ramsey Takes a Deep Discount, Sells Franklin, TN, Home for $10.2M", "Ask Dave Ramsey" on the Christian Broadcasting Network, https://en.wikipedia.org/w/index.php?title=Dave_Ramsey&oldid=1140262622, 20th-century American non-fiction writers, 21st-century American non-fiction writers, Short description is different from Wikidata, Articles containing potentially dated statements from August 2021, All articles containing potentially dated statements, Creative Commons Attribution-ShareAlike License 3.0, Personal finance consultant, radio show host, author, This page was last edited on 19 February 2023, at 07:34. Other organizations performing similar types of work: Analysis of Revenue and Expenses (for 2013), Contributions, gifts, grants, etc., received, Interest on savings and temporary cash investments. Today anytime someone on the show calls in and asks how Ramseys doing, he always says, Better than I deserve.. Whether its a free copy of one of his books, a kit or a ticket to one of his events, the callers get some form of help and additional guidance. He would rather help her than sell her a product. Charlottesville Obituaries | Local Obits for Charlottesville, VA Experience real-life, real-time business and leadership coaching from Dave Ramsey, a successful CEO, popular radio personality, bestselling author, and now the host of The EntreLeadership Podcast. Fun has a positive connotation; alcohol does not. Did the foundation invest during the year any amount in a manner that would jeopardize its charitable purposes? Now, by following Ramseys tips, I hope thats something Ill never have to experience. AGE 50s Denise Ann Whittemore Roscommon, MI View Full Report Aliases Used To Live In Relatives Denise Ann Lambert Denise Ann Meyers We're also hitting Main Street with an interview with a highly successful EntreLeader. Username. In 1996, on July 5th, the first cloned mammal - "Dolly the Sheep" - was born in Scotland. The EntreLeadership Podcast: #145: Dave RamseyEntreLeadership Defined [14] Ramsey's investing advice has also drawn criticism over its reliance on stock investment, as opposed to bonds, using mutual funds with load fees, and its frequent claim of 12% annual returns on investments. Provide for any purpose other than religious, charitable, scientific, literary, or educational purposes, or for the prevention of cruelty to children or animals? Denise received a . What it really means is drinks. Most of them just worked, put money in their 401(k), did not live with debt, didnt tinker with debt products and didnt play around with this stuff., He boils it down like this: Ive never met a millionaire that said I made all my money with my points, I made all my money with my airline miles. But I meet a lot of broke people who say, Im making money on my airline miles, and theyre broke. Denise Ramsey Whittemore Friends Photos Videos More Friends Photos Videos About Work No workplaces to show College No schools to show High school No schools to show Photos See all photos Others Named Denise Ramsey Whittemore See more Others With a Similar Name Shalla Denise Pressure Denise Ramirez Denise Perlik Brianna Carpenter Denise Busby Denise A Whittemore . After a live call, someone from the Ramsey team almost always stays on the line. She was funny," McNaughton told WGME. And about the time he lost $78,000 in a radio deal that seemed so perfect at the time. Denise Scott Ramsey's Remains Identified After Discovery In Dad's Shed Did Denise serve in the military or did a war or conflict interfere with her life? Identified! - ME - Cumberland, unknown skeletal in out - Websleuths Denise Whittemore Found! - See Phones, Email, Addresses, and More Ramsey has given away free cars to his employees. [10][9], Ramsey adamantly opposes the use of credit cards. Dave and Sharons oldest daughter Denise was wed to Bill Whittemore on Saturday June 25th, 2011. The cause of Denise Scott-Ramsey's death is pending further studies, the Maine Office of Chief Medical Examiner said Thursday. Once you have submitted the subscription form, you will receive a confirmation email including steps to confirm your subscription. . denise whittemore ramseysteven universe obsidian rose quartz. Parts of the dissertation were allegedly plagiarized.[8][9][10]. But he has a solution. [2] Ramsey was unable to pay and filed for bankruptcy in 1988. Where we share as we remember & make discoveries and connect with others to help answer questions. No products in the cart. Take These 5 Steps to Get It Under Control. Im better than I deserve.. Related: 7 Money Mistakes Youre Making in Your 20s. Jesus Jimenez is a staff writer for Dallas Morning News. After the car is paid off, I can move on to Step 3: Build an emergency fund, which is the money to pay my expenses for three to six months. Frederick Lee Hensley, 68, of Troy, Va., died on February 14, 2023, in Charlottesville, Va. Fred was born on November 19, 1954, in Charlottesville. Change), You are commenting using your Twitter account. The man who famously disavowed debt has listed his home in Franklin, Tennessee, outside Nashville for almost $16 million after about 12 years of living in the 13,500-square-foot, six-bedroom,. Other Works | Publicity Listings | Official Sites. Did the foundation make a distribution to a donor advised fund over which the foundation or a disqualified person had advisory privileges? Its all in synergy and in conjunction with each other, Ramsey says. The popularity rank for the name Denise was 805 in the US in 2020, the Social Security Administration's data shows We are doing something bigger than us, Cruze says. Compensation of officers, directors, trustees, etc. [4][5] However, when the Competitive Equality Banking Act of 1987 took effect, several banks changed ownership and recalled his $1.2million in loans and lines of credit because he was over-leveraged. If you understand anything about the 56-year-old financial guru and radio personality, you must understand this: He despises credit cards. The next year he made $6,000. He has a lot of confidence in his leadership team, but he says the brand transfer is the hardest part. Ramseys adult children, Cruze, Denise Whittemore and Daniel Ramsey, will be the owners. Hes wearing a black blazer, a patterned gray shirt and jeans, sitting in the chair he occupies while on air for five days a week. Denise Ramsey Whittemore denise.r.whittemore. Second, the trial court determined whether based on the facts, "the search was unreasonable within the meaning of the Constitution." (Ibid.) This is me - Control . Denise Ramsey Whittemore, age 37. Family searching for sister find skeletal remains in Casco home One of his sons filed an "affidavit of diligent search," a document used in probate cases stating his sister, Denise Scott Ramsey's "whereabouts are unknown." The documents list her last known address as 196 Poland Spring Rd. Thats who Dave Ramsey is.. 2023 Lampo Licensing, LLC. Ramsey had an estimated net worth of $55 million as of 2018. I wrote fun because thats an easier way to describe it without being judged by one of Americas No. Denise Ramsey net worth is $9 Million Denise Ramsey Wiki: Salary, Married, Wedding, Spouse, Family . Industry veteran with over 20 years of drug He eats, breathes and sleeps Texas Rangers baseball. Denise has been found in 9 states including California, Montana, Massachusetts, Hawaii, Michigan. The EntreLeadership Podcast 479 Episodes Produced by Ramsey Network Website Whatever you lead can only grow when you do. It. The phone number (978) 649-4658 is also used by Donald M Whittemore, Denise Whitmore, Denise A Goldthwaite Main Address 167 Pond St, Dunstable, MA 01827 Single Family Her death is still under investigation. He joined the company in 2009 and has been a member of the Operating Board since 2019. Based on public records. Add friend Advertisement Followers & Sources Source (s): Member since 2019 Tyrus Zavotsky 20.3k+ favorites Other Records ADVERTISEMENT BY ANCESTRY.COM In 1994, on May 6th, former political prisoner, lawyer, and activist Nelson Mandela was elected the first black President of South Africa. This company is currently in the beginning stages of building a new 200,000-square-foot facility, the first of four planned buildings. As the show was up and running, Ramsey asked his producerwho screened callswhy he wasnt getting any calls from listeners. Biography. Prior to the release of his book Everyday Millionaires, Hogan admitted to several affairs, including one with a co-worker at Ramsey Solutions during his marriage to wife Melissa Hogan. Today, hes the executive vice president of the Ramsey Network and serves on the Operating Board. Ramsey experienced several years of financial recovery and began offering financial advice to couples at his local church. At the end of this tax year, did the foundation have any undistributed income for tax year(s) beginning before this year? This means continuing my 401(k) contributions, Roth IRA and the like. Ramsey married his wife Sharon in 1982, and the Ramseys have three children: Denise (Ramsey) Whittemore, Rachel (Ramsey) Cruze, and Daniel Ramsey. Their videographer posted a short video (which I have to . Find Denise Whittemore's phone number, address, and email on Spokeo, the leading online directory for contact information. But beyond fun activities like lip-synch competitions and monthly team lunches, Ramsey has created a company culture of people who care for others. Cruze, Hogan and Wright were all speakers at the EntreLeadership series. After Ive paid off my credit cards, Ramsey says I need to cut them up and focus on the baby steps. Fair market value of assets not used (or held for use) directly in carrying out charitable, etc., purposes, Undistributed income for this year. Add Denise's family friends, and her friends from childhood through adulthood. All three work for Ramsey Solutions. This is the third day of an EntreLeadership Master Series course in Brentwood, Tennessee, just south of Nashville. The average age of Then I want to pay off my next credit card, and then I can tackle my car loan. Add William's family friends, and his friends from childhood through adulthood. Published by on October 31, 2021. We share yesterday, to build meaningful connections today, and preserve for tomorrow. Its the message that we have hope for people, and we all have our own little sector.. Username. Edit Search New Search Filters (1) To get better results, add more information such as Birth Info, Death Info and Locationeven a guess will help. The year before the bank called for their notes, he says he made $250,000 in taxable income. Its no surprise, then, that The Ramsey Show is the nations second-largest nationally syndicated radio show. If you didnt know better, you might mistake him for a preacher. BY ANCESTRY.COM. Who do you want to emulate?. Under Jims leadership, Ramsey Solutions Foundations in Personal Finance curriculum has become the go-to curriculum for personal finance education in schools, reaching over six million students across the country. . He was the son of Dennis . This clicks for me. This address is also associated with the names of Alicia B Grubb , Denise K Marcum , and three other individuals. Share what Denise did for a living or if she had a career or profession. [12], Ramsey encourages people not to take on student loan debt[9] and calls the idea that student loans are required for college "a myth". Did the foundation have excess business holdings in this year as a result of (1) any purchase by the foundation or disqualified persons after May 26, 1969; (2) the lapse of the 5-year period (or longer period approved by the Commissioner under section 4943(c)(7)) to dispose of holdings acquired by gift or bequest; or (3) the lapse of the 10-, 15-, or 20-year first phase holding period? In Care of Name. Employer Identification Number (EIN) 274314234. But neither my car loan nor my credit card debt is what he addresses first. Denise had been living with and caring for her father, who suffered from chronic obstructive pulmonary disorder. Perhaps thats why I interpret his observational tone as accusatory. Jennifer (Jen) Sievertsen is Ramsey Solutions chief marketing officer. Im not crying over my finances or staying awake at night because of them. Provide a grant to an organization other than a charitable, etc., organization described in section 509(a)(1), (2), or (3), or section 4940(d)(2)? At one of Ramseys Financial Peace University events a few years ago, a pregnant woman came up to Ramsey to complain because she couldnt buy one of the products sold at the event with a credit card. With Patrick Bergin, Jayne Heitmeyer, Vittorio Rossi, Gary Busey. (LogOut/ Ramsey family member is 72. Who is Denise Whittemore to you? Has the foundation filed a tax return on Form 990-T for this year? View agent, publicist, legal and company contact details on IMDbPro . Ramsey isnt done setting goals either. Birth: Brentwood. And although Im ready to share with Ramsey, I dont really want the other people in the studio and control room overhearing me. Each unique story includes events and relationships that shaped who you are today. Denise Whittemore - Ancestry.com Ramsey Solutions denies the accusations. Browse all their registries in one list. February 27, 2023 endeavor air pilot contract No Comments . They have no margin. Pilot. The only catch, Ramsey requested, was that the woman bless someone else with the gift when she was done. Previously, Denise was a House Supervisor at Pr ovidence Health & Services and also held positions at Sonoma West Medical Center, Sonoma West Medical Center, Kaiser Permanente, Daybreak Auto Recovery, El Molino High School. Denise Whittemore (17 matches): Phone Number, Email, Address - Spokeo Has the foundation furnished a copy of Form 990-PF to the Attorney General (or designate) of each state? The financial habits I develop now will affect the rest of my life; its up to me whether I want them to haunt me or bless me. If you do not receive the confirmation email, please check any spam folders or add the email address noreply@my.timeanddate.com to your email whitelist/safe list (list of contacts that will not be sent to trash). This is the power of Dave Ramsey: He makes people want to live better, more disciplined lives. its a choice. Dave Ramsey holds his wallet up in the air. 1 Christian-based leaders in personal finance. I dont owe hundreds of thousands. Dave Ramsey featured Pastor Dave, a pastor at Third Day Christian Fellowship Church in St. Joseph, MO during one of the famous "Giving" theme hours featured every Christmas season on the Dave . As founder and CEO ofThe Lampo Group, LLC, now Ramsey Solutions,Dave Ramsey is the guy who started it all! Government Employers in Minnesota - GovSalaries Denise Ramsey in Maine. On the shelves behind him are an autographed football helmet from his alma mater, the University of Tennessee, and the most recent books printed by Ramsey Press. Denise Whittemore denisewhittemore. Denise (Ramsey) Whittemore Born Oct 11, 1985 Friends Friends can be as close as family. The goal would be that the revenue produced by that group eclipses mine, which is an indication of the survivability of this organization upon succession., By building out his brand, Ramsey can ensure his company continues. I was sort of dreading this even though that debt doesnt exceed $500. Last 2 weeks of weather And he and his team put on dozens of live events every year that have been attended by more than 1 million people. Ramsey has already paid more than $10 million for the landcash, of course. Tom Ford. Im watching the way he engages and inspires people, but all the talk of finances makes me think of my own. Photos, memories, family stories & discoveries are unique to you, and only you can control. He knows that borrowing is what got him in trouble in the first place. Admittedly, I no longer post everyday events on this site because I am so busy working on my business and business blog. Select the best result to find their address, phone number, relatives, and public records. Send us your question and we'll respond within 24 hours. Denise Ramsey Whittemore (@dwhittemore85) Instagram photos and videos dwhittemore85 434 posts 206 followers 252 following Denise Ramsey Whittemore This Account is Private Already follow dwhittemore85? Its because of grace. Ramseys hatred of debt comes from his own experiences. Detective Jack Ramsey is hired to follow Isabelle, the beautiful, but unfaithful wife of a millionaire industrialist. What the couple needed, he said, was marriage counseling. (optional). I assume hes going to say something about cutting up my credit cards. Ramsey says when a team member is sick, co-workers step in to provide meals for them or even mow their lawn. He later found out that this specific frequency reached 38 states and Puerto Rico at night. As an Operating Board member, Dave chairs the Executive Committee. Grantmakers.io Profile - RAMSEY FAMILY FOUNDATION TRUST [2] The Dave Ramsey Show aired on the Fox Business Network from 2007 to 2010. In this role, Michael oversees the technology, data, HR and service operations functions of Ramsey Solutions. He focuses on creating the strategies and iterations necessary to maintain and support existing programs, as well as developing relationships that support new business opportunities. Reykjavik Extended Forecast with high and low temperatures. Fast-forward a couple of decades and he has built a company, Ramsey Solutions, and a radio program that in 2017 are celebrating their 25th anniversaries. Hed rather take the stairs. ", "The Verdict Is In: Tackle Smaller Debts First", "Parents shouldn't co-sign student loans", "Debt Snowball Versus Debt Avalanche: What The Academic Research Shows", "Dangerous Retirement Planning Advice From Financial Guru Dave Ramsey", "Save like Dave Ramsey Just Don't Invest Like Him? And this week was another important day for Dave Ramsey. In his current role, Brian drives the vision for creating the best and most trusted money products in the marketplace. Borrow money from, lend money to, or otherwise extend credit to (or accept it from) a disqualified person? At the EntreLeadership event, he mentioned he has a personal policy not to be alone in the presence of a woman who isnt his wife. They have nothing on their balance sheet., Juxtapose that with the people who are winning financially, Ramsey adds. He has seven best-selling books and has sold more than 10 million books all together. Because he despises debt. She oversees the Marketing, Creative and PR Teams and is the driving force behind the marketing campaigns that create lasting connections with Ramsey Solutions customers. NEW CASTLE, Del. Did the foundation comply with the public inspection requirements for its annual returns and exemption application? Denise Whittemore has been working as a Director at Ramsey for 5 years. Influence the outcome of any specific public election (see section 4955); or to carry on, directly or indirectly, any voter registration drive? Reykjavik, Iceland 14 day weather forecast - Time and Date His eponymous radio show gets more than 12 million listeners per week on more than 575 radio affiliates and a variety of digital outlets. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); https://www.success.com/author/jesus-jimenez/, I Gave Up Drinking for Lentand Here Are the 5 Things I Learned, Alitzah and Brandon Stinson on Refueling Inspiration, Increasing Productivity and the Value of Gratitude, 6 Things to Do before Unplugging for the Weekend, When to Retire from Your First Career and How to Plan Your Next Move, 7 Money Mistakes Youre Making in Your 20s, Got Debt? and you'll be alerted when others do the same. Friends can be as close as family. One of his goals is to eventually become irrelevant from his own company. Select the next to any field to update. Did the foundation hold more than a 2% direct or indirect interest in any business enterprise at any time during the year? An evangelical Christian, he hosts the nationally syndicated radio program The Ramsey Show. Take The Tour - Nashville Rescue Mission Oldest daughter gets married: Denise Ramsey and Bill Whittemore. Denise Whittemore We found 13 records for Denise Whittemore in MI, CA and 8 other states. At company staff meetings, Ramsey allegedly recounted conversations from a private Facebook group of former employees that he had infiltrated, eventually offering cash rewards for the identities of some members who took to anonymous Twitter accounts once they realized Ramsey had joined the private group. Their videographer posted a short video (which I have to say is 1st class!) Denise Whittemore Director of the Ramsey Family Foundation Read Bio Brian Williams Senior Executive Vice President of Ramsey+ Read Bio Jeff Williams Chief Financial Officer Read Bio Jeremy Breland Executive Vice President of Ramsey Personalities Read Bio Rachel Cruze Ramsey Personality and Board Member Read Bio Winston Cruze Denise Whittemore. Has the foundation engaged in any activities that have not previously been reported to the IRS? Who killed JonBenet Ramsey? An investigator's dying wish - ABC News Ramsey Solutions - Brentwood, TN - Business Services in Brentwood, Tennessee (615) 371-8881 Visit Website About Contact Details Reviews Claim This Listing About Categorized under Business Services (Unclassified). Ramsey Solutions has been voted one of the best places to work in Nashville 10 times. Hes passionate about expanding Ramsey Solutions ability to help more people by finding new ways to meet customers needs and creating products that empower them. I have my personal debit card, my business debit card, my drivers license and my handgun carry permit. The conference center fills with laughter after that last one. Name. Record information. 6235 Mt Zion Rd, East Bernstadt, KY is the last known address for Denise. Denise Whittemore denize290. Brendan has been on the Operating Board since 2022. Brendan has played a pivotal role in redefining how we think about collaboration and building products, and hes a passionate advocate for helping leaders grow. Winston became an Operating Board member in 2013 and serves on several board-level committees. Blake Thompson was hired as the original producer of Dave Ramseys The Money Game radio show in 1996, which soon changed to The Dave Ramsey Show once syndication started. Daniel Ramsey is the president of Ramsey Solutions. Step 1: Save $1,000 to add to my savings. Dave and Sharon's oldest daughter Denise was wed to Bill Whittemore on Saturday June 25th, 2011. Date and time of your visit to this nonprofit: 1 Cameron Hill Circle, Chattanooga, TN 37402-9815, 2020 Willowmet Ln, Brentwood, TN 37027-8949, 2900 Lebanon Pike Ste 210, Nashville, TN 37214-2555, 315 Cool Springs Blvd, Franklin, TN 37067-1632, 909 Bowring Park, Nashville, TN 37215-2456, 1749 Mallory Lane, Brentwood, TN 37027-2931, 425 Jackson Blvd, Nashville, TN 37205-3425, 1621 Galleria Blvd, Brentwood, TN 37027-2926, 9737 Cogdill Rd Ste 200n, Knoxville, TN 37932-3300, 103 Druid Hills Dr C/O Vanessa T, Dickson, TN 37055-3330, 715 Emory Valley Road, Oak Ridge, TN 37830, 2013 25th Avenue North, Nashville, TN 37208, C/O Haber Corp 1920 Adelicia St No 300, Nashville, TN 37212, Number of organizations performing similar types of work. [18], According to a September 2021 lawsuit, when Julie Anne Stamps, a Ramsey Solutions employee on the customer care team, approached her supervisor regarding coming out as a lesbian in May 2020, the supervisor explained that company policy would not allow Stamps to continue to be employed at Ramsey Solutions. Admittedly, I no longer post everyday events on this site because I am so busy working on my business and business blog. Each year they have a battle of the bands contest featuring in-house performers. He was 75 when he was elected and he served one five-year term. Experiences, organizations, & how she spent her time. Sister of Daniel Ramsey and Rachel Cruze. 1 bestseller Smart Money, Smart Kids in 2014. Current estimates show this company has an annual revenue of 35715 and employs a staff of approximately 1. If anything, my finances look stellar compared to some of the people who call into The Dave Ramsey Show. Did Denise finish grade school, get a GED, go to high school, get a college degree or masters? Share memories and family stories, photos, or ask questions. Denise Ramsey Whittemore Profiles | Facebook He badly wanted to be on this frequency, so he started making calls and eventually he was sitting in the studio on a Sunday night eager to start broadcasting to so many new places. What car does dave ramsey drive - Meanings.co Dave Ramsey is an American personal finance personality, radio show host, author, and businessman. denise scott ramsey maine - boyetthealth.com Rebecca Whittemore Found 38 people in Massachusetts, North Carolina and 26 other states. [32] On his March 2, 2020, show, he mocked concerned ticket holders for his upcoming live events, calling anyone who wanted a refund a "wuss" and insisting that he would be attending the upcoming "Live Like No One Else" cruise "by my freaking self" if necessary. Leadership - Ramsey All Pictures results for Denise Whittemore. I dont have a set date at which Istep out, he says. Ive got four pieces of plastic in this thing, he says in a nasally Tennessee twang. Biographies are our place to remember and discover more about the people important to us. Jim King is the executive vice president of Ramsey Education. Ramsey is a one of the biggest names in the world of personal development. More than 2 dozen arrests in Delaware prostitution bust Denise J Stern in New Jersey We found 3 records for . The first thing Ineed to do, Ramsey advises, is break down my budget into more detail. Ramseys made his point: He doesnt have any credit cards, and he doesnt want any. Credit cards are a tool of debt, Ramsey explained to the woman. Ramsey Family Foundation Trust in Brentwood, Tennessee (TN), NonProfitFacts.com - Tax-Exempt Organizations, Capital Gains and Losses for Tax on Investment Income, Statements Regarding Activities for Which Form 4720 May Be Required, Information Regarding Transfers To and Transactions and Relationships With Noncharitable Exempt Organizations, Organizations performing similar types of work, South Central Kingsport Community Development Inc, Miracles In Motion Inter Healing Center, Sam Corley Ministries, Joey And Deborah Jacobs Family Foundation, Joey A Jacobs Ttee, Gary Douglas Sasser & Colleen Gill Mcpherson Charitable Foundation Tr, Victoria Owen Klein Family Foundation, Bryan Fred D Ttee, Diversicare Disaster And Relief Foundation, Tomlinson Fam Charitable Foundation, Tomlinson Charles E Co Ttee, Society Of Leaders In Development (Solid), National Taxonomy of Exempt Entities (NTEE), Philanthropy, Voluntarism and Grantmaking Foundations: Corporate Foundations. View Denise Ramsey results in Michigan (MI) including current phone number, address, relatives, background check report, and property record with Whitepages. When I ask Ramsey about this, hes quick to deflect any sort of praise. He is an evangelical Christian, and hosts the nationally syndicated radio program The Ramsey Show.Ramsey has written several books, including The New York Times bestseller The Total Money . Hes not one to judge, at least he doesnt come off that way. Ramsey often refers to bad team members as turkeysand he doesnt hire turkeys. The Biography piece is collaborative, where we work together to present the facts. [9], Ramsey has written five books for adults, three of which were New York Times bestsellers, and six children's books. Within Ramsey Solutions, Herb is known for driving strategic partnerships between business units that help the company operate more efficiently and, ultimately, help more people. She was intelligent. (LogOut/ And now as I listen to him railing against debt, I begin to get nervous thinking about what Ramsey will say when he sees how Ive been spending my money.

Randy Owen Family Pictures, Former Unc Assistant Basketball Coaches, Manchester Middle School Basketball, Cavc Remand To Bva Timeline, What Is Chris Cox Doing Now, Articles D

denise whittemore ramsey