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Viewing profile - money blogger

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money blogger
Joined: Sun Sep 27, 2009 2:42 pm
Last visited: Thu Apr 29, 2010 6:19 pm
Total posts: 101
[0.11% of all posts / 0.04 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 89 Posts / 88.12% of user’s posts ]
Most active topic: Honest People - Can they be wealthy too?
[ 22 Posts / 21.78% of user’s posts ]



E-mail address: E-mail
PM: Send private message
Location: Huronia Road, Barrie ON L4N 4G2
Occupation: Financial Blogger / Business Relations Technologist
Interests: Coaching, Sports, Financial Intelligence
Website: http://www.howtomanagemoneytips.com


Guy G.

Business Relations Technologist
Angulus Marketing Ltd.
Blog http://www.howtomanagemoneytips.com

money blogger Posts

Search found 101 matches
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Author Message

 Forum: Personal Finance   Topic: Please, help me invest! Thanks!

Posted: Mon Apr 26, 2010 8:56 pm 

Replies: 6
Views: 1679

Hey, Here's what I'd do, even though I know everyone else would suggest paying off all the debt now. I believe time in the market is more important than timing the market which is near impossible. So, get as much in now as you can. That being said, paying the debt is still important, so I'd suggest ...

 Forum: Personal Finance   Topic: question on paying cash for a car

Posted: Mon Apr 26, 2010 8:46 pm 

Replies: 31
Views: 5029

Hey, One of my wife's old bosses paid cash for his new SUV, but went about negotiating the price in the most efficient way I'd ever heard of. He picked out what he wanted including all the features, then faxed the specifications to all the dealers in driving distance that had what he wanted in stock...

 Forum: Personal Finance   Topic: What's Your Most Useful Financial Tool?

Posted: Thu Apr 22, 2010 8:52 pm 

Replies: 5
Views: 1406

Hey Everyone, I was just thinking about all of the different financial products out there that promise to help us keep track of our budgets, teach us tips on budgeting, how to get out of debt and how to invest to name a few. There are many others out there I'm sure. Which products do you use? How ar...

 Forum: Personal Finance   Topic: Tips on Moving

 Post subject: Re: Tips on Moving
Posted: Thu Apr 22, 2010 8:46 pm 

Replies: 18
Views: 4767

Hey, my only moving tip is - Organize Make sure everything is ready to go before you start moving. Everything should be ready to put in the truck when it arrives. I personally put all the big stuff in the truck first, then all the boxes in around, on top and behind them. Other than that, hire someon...

 Forum: Personal Finance   Topic: Monthly or yearly contributions to a Roth IRA?

Posted: Thu Apr 22, 2010 8:40 pm 

Replies: 9
Views: 3780

Hey, I'd suggest you do a little research on dollar cost averaging. I find it difficult to explain without drawing it out, so look fro a good power point presentation on it. Also, I must say that you must have learned and are practicing some good tips on budgeting to be able to have over $400 a mont...

 Forum: Personal Finance   Topic: Equifax Only Credit Card?

Posted: Mon Apr 19, 2010 8:21 pm 

Replies: 10
Views: 1741

Hey, I think that it would be a good start. I'd like to note however, that you shouldn't be worried about what the credit balance interest rate is. You should be paying it off every month. Also, start small, with a small credit limit. They may increase it, but tell them to keep it low. You're still ...

 Forum: Personal Finance   Topic: How to build a credit history if can't get a card??

Posted: Mon Apr 19, 2010 8:09 pm 

Replies: 20
Views: 2762

Hey, I think you can build up the credit with a prepaid credit card. Capital One and others have them. You load them up with money, and basically show the card companies you can be responsible with the money. I know here in Canada a good loan that is easy to get approved for and also really helps bu...

 Forum: Personal Finance   Topic: Time to stop paying extra on my mortgage?

Posted: Mon Mar 29, 2010 9:09 pm 

Replies: 10
Views: 1697

Hey, I'm not sure about deflation or hyperinflation, but I do know that of all the tips on budgeting to help eliminate debt. Accelerating your mortgage is one of the better ones. This of course, after you've eliminated all of the revolving debts like credit cards, line of credits and car loans. Make...

 Forum: Success Stories   Topic: Getting Out Of Debt

 Post subject: Re: Getting Out Of Debt
Posted: Mon Mar 29, 2010 9:03 pm 

Replies: 15
Views: 14308

Hey Jimmy, Be careful with the online poker. It's addictive and most people will lose. Eight players to a table an only ever one winner. Back to finances though, make sure you keep your excitement to improve your finances up by continuing to learn tips on budgeting that will move you closer to your ...

 Forum: Personal Finance   Topic: Life Ins Policy

 Post subject: Re: Life Ins Policy
Posted: Mon Mar 29, 2010 8:59 pm 

Replies: 4
Views: 1056

Hey, the above advice is correct in principal. Term is the best. It's considered pure insurance. Not muddied up with poor quality investments, management fees and clauses that rob you of your money. (like in whole life policies that they keep your Cash Surrender Value when you die and only pay the d...

 Forum: Personal Finance   Topic: Life Insurance

 Post subject: Re: Life Insurance
Posted: Sun Mar 28, 2010 9:04 pm 

Replies: 5
Views: 995

Can you explain why an "act of war clause" would be onerous? A couple of reasons. 1. After the 9/11 attacks, the insurance companies had to determine if they would pay the claim on insured individuals who died or invoke the War clause. Each company had to decide for themselves. I'm sure t...

 Forum: Personal Finance   Topic: Does anyone have their accounts at just one bank?

Posted: Sun Mar 28, 2010 2:05 pm 

Replies: 18
Views: 3889

Hey, I agree with your frustration. I hate logging into 5 different accounts. Looking back, I'm finding that the reasons I opened the accounts are no longer that important to me. I'm finding that more and more I'm looking for more convenience in my banking. Simplify, simplify, simplify. I started wi...

 Forum: Personal Finance   Topic: where should i invest?

 Post subject: Re: where should i invest?
Posted: Sun Mar 28, 2010 1:00 pm 

Replies: 18
Views: 2864

DoingHomework is right about ULIP's. These are the most expensive forms of insurance bundled with huge expense ratios and need to be constantly adjusted like a monkey wrench to provide the desired results. As a financial consultant often offering tips on budgeting, I always suggest people switch fro...

 Forum: Personal Finance   Topic: Life Insurance

 Post subject: Re: Life Insurance
Posted: Sun Mar 28, 2010 12:54 pm 

Replies: 5
Views: 995

Hey, As a financial consultant, I find this to be one of the areas of people's finances where they are either misinformed or are simply baing ripped off. I wouldn't give any specific advice as I'm not sure of all your financial details which would be necessary for giving an accurate suggestion. In g...
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