Core Values and Where To Live

 

image-2014-12-02-15-59-49

"Would you tell me, please, which way I ought to go from here?”
“That depends a good deal on where you want to get to,” said the Cat.
“I don’t much care where–” said Alice.
“Then it doesn’t matter which way you go,” said the Cat.
“–so long as I get SOMEWHERE,” Alice added as an explanation.
“Oh, you’re sure to do that,” said the Cat, “if you only walk long enough.”
(Alice’s Adventures in Wonderland, Chapter 6)

Which brings me to the start of our journey and how I ended up here in Cairns.

I had already figured out what was important to me as well as what my core values were but why was I still unhappy? (in the context of how I was living my life) and did I have the guts A.K.A. "intestinal fortitude" to step out of my comfort zone into the unknown?

1. What's important to you?

I brainstormed again and came up once more with my several core values: security, peace of mind, choices, freedom, health, rest, advancement, time, family and friends, fun, accomplishment, personal growth, spiritual growth, giving back, and happiness.

Once I had listed my core values in mind, the financial planner in me took over and created a Core Values and Where To Live Excel to rate cities I had an interest in living in terms of how well they aided me achieving each of my values. Ranking them 1-10, 1 being Not and 10 being Awesome.

This systematic analysis revealed that cairns most clearly aligned with all of our values.

Other cities we considered included Sydney (where we were initially), Gold Coast, Melbourne, Honolulu, Tokyo and Kuala Lumpur (refer to excel to see rankings).

2. What's the bottom-line?

I didn’t buy the first flight to Cairns the minute I finished my Excel analysis. I needed first to get all my financial ducks in a row. This actually took me over twelve months of research, research and more research followed by weekends up to Cairns to meet business owners and get a feel for how business is done. 

Relocation costs had to be considered, managing client and business relationships in Sydney and Melbourne as well as managing costs of a new office in Cairns were front and centre.

All the above needed to be invested and assessed before proceeding. The bottom-line, was this move financially viable and advantageous?

3.  Flexibility=efficiency

Even after all the research and preparation, keeping flexible was the key ingredient to maintaining sanity and moving forward while transitioning life and business to Cairns. The biggest frustration being the pace of things and managing own and others’ expectations.

The additional lessons I have learnt is dependability is a premium that is worth paying for. This goes for communications, utilities, services, staff and stock.

4. Do it for You

No one is going to live you your ideal life for you, so you have to make it happen yourself. For the longest of time the choices I made were coloured by what others might think of me.

Clarifying my core values and challenging myself to make reality my decisions was both a scary and liberating moment for me.

Initially I was worried about what others would say if I failed, or their opinions about doing something they wouldn’t do themselves. Now I hope to encourage others to "Give it a go, or you'll never know!" .

Importantly most of my friends, family, colleagues and clients have told me they now hold me in even higher regard for the guts to make the move. They also have visited or are making plans to come visit soon.

I'm still getting used to the weather up here in Cairns. Today it's a beautiful 22c, blue skies and no humidity, however it's winter and summer up here can be mighty uncomfortable.

Helping you "Live your ideal life, without financial concerns".

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

 

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Add a comment

Ideal Life Lesson #1 Money, Time & Choices

Kyak You don't need money to make money and money doesn't buy you more time however you can increase your chances of having both, by simply making better choices.

To do this consider avoiding tolls, staying healthy, eating well, travelling more, owning less, working to live, educating ourselves more and adding value to others!

 

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

 

Save

Save

Save

Save

Save

Add a comment

The Story of Four Horses: Excellent Ones. Good Ones. Poor Ones and Bad Ones

Wild HorsesGrowing up I was an average student at best. I was more interested in the outdoors, building cubby houses, dams, digging holes and trenches rather than being indoors studying.

I even clearly remember a time being asked multiplication and mathematical questions involving pieces of fruit and thinking “Wow, I don’t know. It’s all fruit salad to me!”

Regardless of what others may say was a limitation, this hasn’t stopped me from achieving many of my important goals in life. In fact it has often become the fuel of my motivation and a measure of how important the goal is to me.

This brings me to a story about horses.

It is said that there are four kinds of horses: excellent ones, good ones, poor ones and bad ones.

The best horse will run slow and fast, right and left, at the driver's will, before it sees the shadow of the whip.

The second will run as well as the first one, just before the whip reaches its skin.

The third one will run when it feels pain on its body.

The fourth will run after the pain penetrates to the marrow of its bones.

It’s easy to imagine how difficult it is for the fourth one to learn to run.

When I first heard this story I wanted to be the best horse. If it was impossible to be the best one, then I wanted to be the second best.

If it was impossible to be the second one, I wanted to be the third best, never last or bad horse.

However what I have discovered about myself over the years is when I learn too easily, I’m tempted not to work hard and when I don’t work hard, results take longer or are not achieved at all. Success avails me and I also miss out on the enjoyment that comes from the journey of practice.

I’m not alone as I recently discovered. Of those who study calligraphy, those who are not so clever usually become the best calligraphers and those who are very clever with their hands often encounter great difficulty after they have reached a certain stage.

So this is also true in art, and in life.

In fact very often the best horse often is the worst horse and the worst horse can be the best, for if it perseveres, it will have learned whatever it is practicing all the way to the marrow of its bones.

This story of the four horses has haunted me ever since I first read it.

For one thing, it poses a clear challenge for those with exceptional talent: to achieve his or her full potential, this person will have to work just as diligently as those with less innate ability.

So I take the encouragement that if I persevere and dedicate my efforts (at skills I'm not naturally good at), I'll someday know this (skill) all the way to the marrow of my bones.

Here are some tips I apply to my own life:

  • Achieving goals is like learning to walk. You try. You fall. You get back up and try again until you can walk unassisted.
  • Life is a fruit salad!
  • Consistency beats perfection.
  • It’s not what you have. It’s what you do with it that matters most.
  • Investing in yourself is the best investment you will ever make.
  • Compound interest.
  • Surround yourself with good people and add value to their lives.
  • Simplicity is under rated. Complexity is over rated. KISS.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Save

Add a comment

The Price of Happiness

Fruit-Market-Colombia-1024x679The Weekend is upon us and this means “the markets are coming!”

Tropical Fruit. Mango’s Lychee’s, Custard Apple’s, Coconut’s, Dragon Fruit, Jack Fruit and much, much, more.

The second best part about the markets is interacting with the stall owners and growers.

Since moving up to Cairns I better appreciate the quality of interaction is of greater value than the transaction itself.

The revelation? Lower costs, greater opportunities, better relationships, less stress, increased profits and an improved quality of life.

Convenience is good, however relationships are better.

Comparing the pair/pear :)

Before moving to Cairns I would drive my car to the shopping centre.Shop in a sterile feeling supermarket. Select my fruit and vegetables from a pre-selected limited range of choices (most probably assessed by a MBA hired by the supermarket for most popular- to maximise their profits) i.e. apples, bananas, oranges, and strawberries, all conveniently pre packed for convenience.

During this experience I didn’t often talk with anyone except for asking them to move out of the way, or be asked to move aside. My bill often was in excess of $50 for the week (just for fruit and veg), and require at least 2 ½ hrs of my time in addition to frustration and decreased quality of life.

Today I go to the market either walking or I ride my bike. The markets are open air and each stall has their own personality and speciality.

I go to Banana Joe’s stall (as I like to call him- he has a long white beard and digger’s hat) for my bananas. Talking with him he always throws in a couple of extra bananas for me.

Then I go to Mariko and Paul’s stall for my Pawpaw, sweet potato and capsicums.I then meander around other stalls chatting, tasting the various produce and buying what I need and is in season, often these are mangos, avocados, lychees etc..

These days I often have change from $30 and I’m done shopping in less than an hour. The experience is so great I actually look forward to shopping each week!

Casting this appreciate wider I am now beginning to see the lure of convenience may in fact have been impeding my happiness and the happiness of many of us. Think Social Media, Television, Easy Meals, Online Shopping, Streaming Movies etc. and the impact it is having increasing or decreasing our quality of life in the pursuit of our happiness.

Today in this busy world, I’m still an advocate for convenience however I am becoming better at identify the activities that add to my happiness rather than diminish it.

Here are some tips I apply to my own life:

  • Automate activities to save time and fill this time doing activities you receive a direct benefit from i.e. exercise, prayer & mediation, relationship building and new experiences.
  • Invest support and be involved in local community.
  • Physically invest time in relationships.
  • Satisfaction occurs on three levels. Having a good life. Having a good day and having an increase of our endorphins.
  • Listen more and ask great questions i.e. let others do 90% of the talking
  • Eat before shopping.
  • Exercise more and be more engaged with nature. Mountain bike, nature walks, snorkelling, etc.
  • Live your values.

About Peter Horsfield

Peter Horsfield in an Authorised Representative and Investsure Holdings Pty Ltd ABN 16 050 286 630 as trustee for Horsfield Family Trust ABN 55 609 068 513 is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049 AFSL and Australian Credit Licence No. 236523.

 

 

 

 

 

 

 

 

 

 

 

Add a comment

Login Form