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Viewing profile - thinkyourmoney

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thinkyourmoney
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Joined: Thu Apr 29, 2010 10:57 am
Last visited: Fri Nov 25, 2011 1:13 pm
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Development
[ 6 Posts / 50.00% of user’s posts ]
Most active topic: What is more important to success: Logic or Emotions?
[ 5 Posts / 41.67% of user’s posts ]

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Location: White Rock BC
Age: 64
Occupation: Retired at age 52...that was 6 years ago
Interests: Personal finances...Financial Literacy, Financial Therapy and Financial Coaching
Website: http://www.thinkyourmoney.com

thinkyourmoney Posts

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 Forum: Personal Finance   Topic: Finance or pay cash for a car?

Posted: Tue Nov 15, 2011 7:13 pm 

Replies: 32
Views: 9379


I guess I missed making the point clear. You can pay for example $17,000 for a car cash these days. If you finance it at 0% the sticker price goes to $24,000...no choice, no dickering. All that is happening is that they are front loading the interest and locking you into paying the whole thing. Ther...

 Forum: Personal Development   Topic: How to change your behavior

Posted: Tue Nov 15, 2011 11:55 am 

Replies: 16
Views: 6910


A psychologist or counsellor would tell you that your problem is pretty normal. The machinations of money are very rational and rigid as computer code. Personal Finance is only 25% rational financial knowledge, the other 75% is all about behavior management. You seem to have the motivation for and r...

 Forum: Personal Finance   Topic: Does mortgage refinance make sense?

Posted: Tue Nov 15, 2011 11:26 am 

Replies: 9
Views: 2517


Listen to Capo. He's right. On your budget you should be paying less per month in a mortgage payment. Any time you can reduce your biggest monthly budget expenditure by $300 per month ($52.759 interest saved divided by 180 months) , that leaves a lot more room in your budget for savings. On your bal...

 Forum: Personal Finance   Topic: Finance or pay cash for a car?

Posted: Tue Nov 15, 2011 11:02 am 

Replies: 32
Views: 9379


We just bought 2 cars this spring. The big job promotion came 8 months before but we held off buying even though everyone said "Reward yourself with a nice new car". Like you we could have bought either cash or financed and it would not make a difference on our finances. My big insight for...

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Wed May 25, 2011 2:38 pm 

Replies: 17
Views: 7224


To Doing Homework: This lifeplan goal setting is not a matrix or an algorithm especially because it is personal. The lifeplan is the personal part of personal finances. You sound pretty comfortable with yourself. Like I said in the earlier post, don't try to make this too tight. You already see your...

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Wed May 25, 2011 2:24 pm 

Replies: 17
Views: 7224


ekrabs stated "Bottom line, our physical and emotional well-being is our goal, and our logical plan and action towards it is our means to that end." Add to that Family, Social and Spiritual you address the topic of success and happiness on a very balanced level. I agree money is not the on...

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Wed May 25, 2011 1:39 pm 

Replies: 17
Views: 7224


If you want to apply this to investing your short term goal should be to read the books by the "father" of value investing. He taught Warren Buffet how to invest. His name is Benjamin Graham. He has two books "The Intelligent Investor" and "Security Analysis". Money is ...

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Wed May 25, 2011 1:30 pm 

Replies: 17
Views: 7224


The seven Categories are Spiritual, Emotional, Family, Career, Finances, Physical and Social. You can add some others such as Mental. It is not real anal. The point is not to be anal. The goal is to know where you are going or you might not get there. It is more like a vision for your future. It has...

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Tue May 24, 2011 4:12 pm 

Replies: 17
Views: 7224


The answer is yes. This is one of those kinds of questions. You need the logic of maintaining a proper budget and balance sheet. You also need a life plan that consists of 7 categories with short, medium and long term goals in each of the categories. One of these categories is emotions. There are se...

 Forum: Personal Finance   Topic: Payday loan opinions

 Post subject: Re: Payday loan opinions
Posted: Wed Jun 30, 2010 11:15 am 

Replies: 24
Views: 3876


The core of the problem with payday loans rests in the ethics of payday loan companies. The core of the ethical problem is "rollovers". If lenders and borrowers stick to the concept of payday loans which is that a small amount of money is loaned and a fee is applied. The borrower pays off ...

 Forum: News & Announcements   Topic: Allow me to introduce myself

Posted: Wed Jun 30, 2010 9:58 am 

Replies: 0
Views: 7022


I am Steven Bulmer. My expertise is personal finances at the micro level and Financial Literacy, Psychology and Coaching at the macro level. I have a degree in economics and psychology. I have joined the effort to raise awareness of the need for Financial Literacy which has become the focus of just ...
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