Category: Think About It

CategoriesActionFinancialProgressPropertyThink About It

Wake Up!

Posted on October 30, 2022

Are you financially fit? Are you hoping, dreaming, avoiding or planning, when it comes to your financial future?

You’ll probably end up broke if you hope, dream or avoid. And if you plan, have you stress tested it with challenges and been accurate with your current, realistic course?

You can do more than you think, so start imagining and planning. Yes you need effort and sometimes it will be hard, uncomfortable or even frustrating. But it’s better to have those challenges in your 20’s to 50’s than your 60’s and up.

It can feel hard, uncertain and confusing to get started organising your finances. But if you don’t, you could end up broke or in an undesirable (non) retirement situation.

Yet, if you start now, you can take control of your future, learn some basics and have a wonderful retirement, while still passing on a solid inheritance to the kids or your favourite charity.

Start today! It’s time to wake up! Do it yourself or get in touch and I can give you some pointers. Regardless, pay attention and set up your life to win! I’m cheering for you. ✅

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CategoriesActionGratitudeThink About It

Choices

Posted on October 29, 2022

Would you rather be given £1 million today or wake up tomorrow morning?

If you would rather wake up tomorrow morning, you chose that over £1m. When you wake up, you should at least be as happy as someone who was just given £1m, since waking up must be better than getting the £1m.

You choose to smile, to be fit, to take on challenges. Live every ounce of today. It’s the only day you get. But you can make it better than expected in lots of little ways.

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CategoriesGratitudeObserveThink About It

Do You Enjoy Rollercoasters?

Posted on October 27, 2022

Do you thrive on white knuckle rides? Do you prefer the excitement, lurching and speed of the mechanism?

Some people don’t like rollercoasters. The intensity is not for everyone. Where some people feel the thrill and adrenaline, others are simply flush and terrified.

How do you like your life?

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CategoriesObserveThink About It

Whose Opinion Do You Listen To?

Posted on October 25, 2022

We listen to a wide variety of people to get different views. It’s easier, though, to choose opinions of our friends or of people who hold similar values or perspectives.

This may be more palatable or comfortable in the short term, but it may ruin you in the mid to long term. You are best to distance yourself from your emotional connection and really assess the issues with a clear and logically or rational mind.

It’s best to use data, trend analysis, forecasts and different, and even opposing, perspectives. Do you want to be accurate or just feel good and hope for the best?

Listen to intelligent arguments and then make up your own mind.

PS. Apologies for the delayed blog posts from the last few days (systems glitch) which all got sent at once in yesterdays email. Some good stuff in there! I hope their absence made you warm to them even more.

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CategoriesGratitudeThink About It

Audiobooks

Posted on October 24, 2022

Can you recommend some good ones? I need to buy a few to use up my Audible credits. I’m looking for good content and a good reading voice.

Obviously I already have a copy of my audiobook of Achieve Anything. But if you haven’t got a copy yet, I’d get one soon. Christmas is coming, as they say.

Send me a DM on Instagram or leave a comment here or somewhere if you have a good audiobook recommendation. I’m on a mission.

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CategoriesGratitudeObserveReframe your thoughtsThink About ItTime

Rainy Days

Posted on October 23, 2022

These can be just as wonderful as sunny days. They are just different. And it depends what you’re doing. Enjoy both!

Today’s note was inspired by our wonderful stay at Withyfield Cottage at Merrion Farm. A mix of sun and rain, and good timing, helped make this an excellent time away.

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CategoriesActionHealth & FitnessThink About It

Flatten The Curve

Posted on October 19, 2022

Perhaps flattening one curve has unintentionally steepened another.

In life we need to make decisions. All decisions have consequences, even indecision, which is actually a decision to not decide.

Our MP mentioned she was at the local hospital with her daughter who had an injured wrist (hopefully all ok!)

The sign there said that it was up to an 8 hour wait time. I recall trips there years ago when it was 3 hours – which seemed plenty long enough.

Did all the “flatten the curve”, lockdown and covid precautions simply postpone regular medical demand? And now we have the regular demand plus 2.5 years of excess, pent up demand, to get caught up on.

Perhaps many medical personnel are off ill, more than usual? Or they have left the profession for a variety of reasons? Maybe these are developments given an aging population? A combination of these all, perhaps?

In five years, there will be some neutral studies done and we’ll have a slightly better idea of the cause of these tripling delays (I’ve heard many others say 8 hours is consistent with their experience).

Until then, remember this: Your actions have consequences. And when you try to change the course of nature, profoundly unintended consequences can emerge.

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CategoriesActionFinancialThink About ItTime

Risk On, Risk Off.

Posted on October 13, 2022

Being financially aware is one important aspect of life. Like it or not, money is critical to your everyday life. Try getting through a week without buying anything or using anything you have bought. No transport. No food. And no clothes.

You can’t even do a zoom call for work. It wouldn’t be right using the electricity, even if it’s just a little amount. Because it all needs to be paid for with money.

So call your mortgage broker and your financial advisor and assess these higher rates and what you can do about them today. Play out some scenarios. Pay an early repayment charge if it makes financial sense so you can lock into a lower rate today, rather than a 3% higher rate next May.

Unless something breaks and threatens to pull down the entire financial system, we may be looking at a 5% base rate for 5 years or more.

Learn about finances for the next three months. What you learn may save you £75,000 over the next 5 years. Isn’t that worth spending 5 hours on this weekend?

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