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peter profileIf you read the media and industry headlines, you'll read that thousands of financial advisers are currently running for the door.

Their reason?

Over regulation, increasing costs, loss of income, increased education standards and ongoing negative sentiment headwinds from the wider public and media.

Let’s not sugar coat the facts.

Now is a very difficult time for the financial planning industry.

I regularly hear stories of advisers who have taken their own lives, lost their homes, their livelihood's and families; at the same time of their career many others would consider thinking of retirement rather than going back to university or a change of career.

Indeed the industry is at a turning point.

The question we all need to be asking ourselves is, "What do we all i.e. consumers, regulators, suppliers (financial product manufacturers) and advisers, want from our financial service providers and how much are we prepared to pay for it?"

Maybe this tongue in cheek approach is the answer?

Our services are Good, Fast, & Cheap......Please pick two.

All bad jokes aside, I continue to see the following universal law of money being applied i.e. Money always flows to where it’s most valued.

Call me a sadomasochist, crazy or simply plain arse dumb for choosing this path however I believe the outcome will result in something better for us all as the financial planning community and industry transitions into a profession.

So as for me, I’m not quitting. In fact I’m very excited and looking forward to sticking around.

So without further ado the following are my top ten reasons I’m sticking around as a financial planner for the long term.

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Dopamine CertaintyJust as much as we get a dopamine hit when we eat food, have sex, embark on a new adventure and find acceptance. We experience this same natural drug and feeling when we move from certainty from our initial feeling of uncertainty.

In situations of uncertainty we experience a rush of adrenaline, anxiety, an increase of heart rate, confusion and a racing mind for answers. This too is our bodies physical and an emotional response to a threat i.e. getting us into a state of preparedness and fight or flight for our own survival.

We are all naturally addicted to dopamine. Its function is to both reward us and too keep us alive.

Did you know neuroscientists and researchers have discovered and know can evidence that our brains are determinists?

This means that while sometimes we make decisions consciously more often we make them unconsciously due to our habits, environment, ego and sense of self i.e. we make our choices reactively rather than proactively.

One of my many ongoing activities is to help clients proactively match their comfort and certainty with their investments and expectations, while balancing this with their ever-changing personal circumstances.

I regularly remind them “money flows to where it is most valued” because being humans we value certainty. In money markets certainty has a price. The more certain the return, the lower the expected return.

When it comes to investing this is what bankers, market commentators and economists call “the risk premium” of an investment. i.e. How much more risk are you prepared to expose your investment in order to achieve a higher return?

As investors we experience an adrenaline hit as we buy something and a dopamine hit after we have bought something and we see the value increase i.e. we see our financial position being more certain. A secondary dopamine hit comes from our ability to have predicted something and then have it evidenced back to us that our predictions were correct, resulting in a positive feeling.

Beyond investing, this is also why we feel good after completing a task, passing an exam etc. and provide us an explanation as to why we feel anxious and uncomfortable if we have had poor previous experiences making choices, doing specific tasks or sitting exams.

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The Humble AdvisorWhy would anyone consider financial planning as a profession?

Even before you begin the rallying cry of others intent on undermining trust in an adviser is deafening.

Media articles splash scandals and opinion pieces. Industry fund run blitz propaganda campaigns implying advisors will erode your retirement returns. Authors of general advice = all care no responsibility, promote manta’s that it’s better to do it yourself, ‘if only you buy their book’. Get rich spruikers lord their conflicted schemes while dispiriting the need for any other advice and lastly the well-intended opinion and concern of friend or relative who believe they know better and should be more trusted because <insert ego driven reasons>.

Cutting through all this negativity, let’s say someone still considers contacting you.

Personal communication skills aside and regardless of how empowered you make your enquirer feel, they are still required to reveal to you; a stranger all their personal information, read pages of legal documents, signing authority requests and be judged.

We all judge each other. We judge if we/they are worth the risk. We judge if we/they are worth our time and we/the judge if the relationship is worth the emotional investment. That’s enough to raise anxiety levels in everybody.

You may have a generous spirit. You may have a desire to help your client and make the world a better place. The reality is that we live in a litigious world and other professionals’ existence is reliant on finding fault and gaining compensation.

The reality is that in the eyes of prosecutors, your well thought and researched strategies and recommendations are viewed as potential risk and liabilities. Not a benefit. If your client is better off, if your client achieves their goals and your clients are happy with your services; prosecutors have no case and no work.

So good intentions aside, how defendable are your files? How defendable is your research, comparisons, recommendations, projections and the delivery of your promises? You must be able to evidence all this on request. Be it requested by your client, your professional standards team, industry association, an array of regulators, insurers and now with the introduction of new standards, your peers too.

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Poker with friends in St RemyMany of us assume there is a silver bullet formula to attain happiness in our pursuit of personal growth and a higher quality of life. Better education, our career advancement, improved family harmony, more money, material assets and healthier etc.

However the paradox is that happiness in itself is not in having these ingredients of happiness but in fact the pursuit of these ingredients we have the opportunity to experience the lasting satisfaction if done authentically.

For example. We all know having more money does not mean you are happier. Money is needed to fund a level of quality of life, however beyond this, studies confirm the amount of happiness attained is a diminishing return on effort.

Those who continue to pursue excessive wealth often find themselves with less health (mental, emotional, spiritual and physical), greater worries, and finding less and less fulfilment even when they have achieved herculean levels of greater wealth.

The same applies to studies, our careers, health and any other ingredient of our lives that we feel compelled to need to have in order for us to experience more happiness.

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MaldivesAs a financial planner for the last 20 years, planning is now well and truly part of my DNA.

And between you and me, once you know the core fundamentals about money planning; working with numbers, projections, legislations and financial product features all day can at times get a bit dry and dull.

So given that today is a Friday, I’m in Cairns and the weekend is just ahead, I thought I’d take a break from the daily grind (while still firmly in my roll of planning) and research the following juicy question.

How to take more time off and still be paid for it?

What I discovered is that with a bit of planning, getting your holiday requests in early (before other staff) and a flexible boss. You can easily extend your 20 days annual leave all the way out to 52 days a year, or a 260% increase in leisure time.

The following maximising you leave and holidays is based on for Queensland Australia public holidays.If you are in another state please check your relevant state holidays there as they may differ slightly i.e. different Labour Day, Queens Birthday, Show Day dates.

Note. For completeness calculations begin from 1st Jan 2020 which is a Tuesday however if you drew on annual leave on the 31st December the first holiday would extend an additional 3 days for a total of 9 instead of 6.

Additional note. If you also took Friday the 27th December off (leave without pay) this could extend the Christmas break length of holidays from 6 days to 9 days (inclusive of weekends, two days annual leave and a day leave without pay).

So let’s begin!

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HawaiiFirst let’s be clear. We do not live on tins of baked beans or substitute gravel for toilet paper. Ouch!

Secondly the $50,000 in additional savings we are accumulating is not from any increase in income or side gigs.

Our savings are purely from implementing smarter ways and choices to legally keep more money in our pockets instead of others.

Thirdly, we’re not special.

We have the same amount of time and days in a week to do everything we need to do just like you.

Lastly we also each have average incomes. Disclosure we pay ourselves $73,060 (after tax) or $100,000 gross annually.

So how did we do it? How have we found these  additional $50,000 in savings annually without cutting back on our necessities and quality of life?

More importantly, can you too achieve these levels of savings or more?

The short answer is “Yes you can".

You simply need to decide on what you want, identify the price, and decide if you are willing to pay and if so pay the price. Then get on with it.

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Paul Sohn How Leaders Can Learn from A Couple Who Paid Off DebtIt's common knowledge that debt and financial problems are the number one cause for stress and worry in our lives. 

Recently I met with "Frank and Ernest" who had amassed combined total debts of $127,000 across their credit cards, home loan and personal loans. 

Frank told me that they expected to be debt free in fifteen years (based on his mortgage etc). 

"How does being debt free within the next five years sound?' I asked.

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Invest in You

Part of my day to day routine is meeting with BDM’s (business development managers). As you can imagine like any meetings some are zzzzz! and some are great.

One of the best questions a BDM has ever asked me was, “If You Were a Listed on the Share Market, Would You Buy Your Stock?”

I remember staring back blankly as I began imagining a bunch of long faced sceptical analysists pouring over my life, benchmarking me as a business, my personal and financial growth, pulling out a slide rule to measure my routines, efficiencies, asking about my life’s back up plans, satisfaction and plans for growth.

“Sure I would” I replied but the question was so great that I continued to ponder it throughout the rest of the meeting.

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Confidence

Twenty one years, three months and a few days ago I looked up into a star filled night sky and I was overcome by feelings of regret, fear, loss and embarrassment.

I didn’t like where I was, what I had become and what the future would hold if I was to continue down the same path I was on. I also remember thinking massive change only comes from massive action.

And so on my 25th birthday I decided, committed and began down my own "road less travelled". 

Today I'm a few decades further down my road as I continue on life's journey and with the luxury of hindsight and experiences can now reflect back upon and share with you what worked what didn’t and the “one-two thing” to do every day.

Only Three Ingredients Needed for Your Success 

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Palm-Cove-Beach-2Just like when my personal computers freeze because I have too many programs open so to my decision making freezes when I have so many competing important matters in my life.

This got me thinking about how to solve life’s problems from the perspective of an IT help desk.

Life has taught me when I choose to neglect a problem so too does my probability of an epic crash increase. When talking with others about my problems I’ve also found that most of us share similar if not the same problems and fears. Most importantly our problems are not unsolvable.

Often I've experienced many of my life’s problems solved simply by updating an old program or as I call it my daily routine. If this update doesn’t work then I research better programs to do the job and install this new program i.e. daily routine into my life.

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Angkor WatThis blog is not based on new theories, new ideas or new philosophies; it‘s simply a collection of experiences, insights and discoveries on a journey to financial independence over the last twenty years. As such the blog hasn’t just happened it’s evolved.

On the journey to financial independence we've read a lot of financial books and information. Most of such assumes financial success determines our quality of life and experiences. While on the surface this sounds logical, real life experience has taught us otherwise.

For example our decision to either save, borrow, buy, invest or sell is not in fact to make more money; but to experience an emotionally inspired feeling and certainty of security, freedom, choice, independence, deeper relationships, increased stature and happiness. All which directly enhance our quality of life.

Early into this journey of  financial independence I (Peter) found myself quickly out of my depth and questioning my own abilities be them emotionally, financially and my courage to commit.

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Uncle Mc Scrooge

Making better financial choices is the key to unlocking higher returns.

So why is creating wealth counter intuitive?

Simply because the more we touch our money, the less it grows.

The following are five age old and proven ways to help you accelerate our wealth, keep it longer and enjoy it more.

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ice20kids

“The middle is messy but that’s where the magic happens”  Brene Brown

I love ice cream any time of the day and I especially love an ice-cream on a hot summer day.

Today is one of those days, 31c with 95% humidity, so it feels very hot.

As I sit back and enjoying this simple pleasure of eating an ice-cream my mind wanders back to happy childhood memories and dreaming about what I wanted to be when I grew up. I remember liking trucks; wanting to be rich and become someone important.

Like most people I had no idea what this meant or what I really wanted to do.

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Money Free WeekendWe all make choices, but in the end our choices make us

Or put another way;

Our success is dependent on our decision to choose the activities that will propel us towards our goals compared to those that will hinder us.

When I first began savings I set myself a challenge to have a money free weekend once a month. In fact I found the challenge so addictive and fun I'm still doing it twenty two years later.

Remember the media, marketers and advertises all want one thing. Our money! They do this by selling the perception that you buying what they’re selling will equal’s happiness for you.

The following is a list of activities that require no money to participate in; however they all provide the foundation to experience a higher quality of life; for you and those important to you.

$10,000  Money Saving Ideas:

  • Instead of buying books join a library. Libraries today are more than books; they have DVD’s, newspapers, free internet, books of course. Free. Savings estimated $250 pa+
  • Make lunch with from previous dinner and bring to work. Savings estimated $2,500 pa+
  • If you live close enough to walk/run/ride to work or public transport, only use the car on weekends or alternatively car share. Savings estimated $1,000 pa+
  • Ensure bank accounts, credit cards have no annual fees or ATM withdrawal fees, only withdraw from Banks ATM or affiliates so not to attract transaction fees. Savings estimated $250 pa+
  • If possible choose public transport over taxi. Savings estimated $500 pa+
  • Wash own car & iron clothes instead of car wash or cleaner. Savings estimated $500 pa+
  • Review/shop insurance premiums annually for savings. Savings estimated $500 pa+
  • Meal coupons, shows, vouchers etc... (dining out regularly). Savings estimated $2,500 pa+
  • Hold off expensive purchase/gifts until sale time and/or shop at outlet or online so to minimise risk of overspending and of unnecessary compulsive purchases Savings estimated $1,000 pa+
  • Buy in bulk cleaning, personal care, staple goods when on sale. Savings estimated $1,000 pa+

$10,000+  Money Making Ideas

  • If you don’t mind branding your car as a moving billboard you can earn approx $5,000 pa
  • In your spare time become a mystery shopper/write product reviews/research market group earn approx $2,500 annually in addition to receiving free products.
  • Start a business aligned to your passion online/markets etc...It’s a great way to meet people of similar interests, make some extra cash, potential tax deductions and learn about biz.
  • While it’s not a guarantee becoming more qualified in your profession. Higher earnings have research to be linked to higher qualification of approx 15%-25%+ more than unskilled roles.
  • Consider ways to maximize your rental return if you have an investment property. Properties furnished white good properties can increase weekly rentals by an additional $50 pw or $2,500 pa and are deductible items for tax.
  • Become an extra for movies, television, commercials and earn up to $500-$1,000 per day.

21 Free Positive Experiences & Activities Challenge

  • Get creative. Write poem, a short story, a song, your memoir, blog, a diary, draw etc
  • Learn a new & interesting skill. An entertaining magic trick, a new language, astronomy etc...
  • Walking tour around your city, learning history and famous historical landmarks and markets
  • Visit parks, forests, gardens, beach get out doors... maybe have a picnic there too.
  • Exercise. Getting fit doesn’t require a gym. Go for a run, bike ride, free weights, yoga etc.
  • Spring clean and sort/donate your old clothes/items. One part chore another you will feel great and de-clutter you environment.
  • Maintain your stuff. Sharpen your knives, weed garden, wash vehicles and fix small things etc before they become bigger problems. Feel great and proud you take care of your things.
  • Get sexy. Candles, flower petals, bath, massage with a partner...
  • Sort your old photo album and label where, when and your feeling at the time.
  • Try solving a crossword puzzle, Sudoku, What’s different in these two pictures? etc...
  • Visit the library, an art gallery, museum in your city. Most, if not all are free entry.
  • Find an inspiring interesting book at the library you would like to read and read it.
  • Grow something from seed. Feel great that with your care, you are encouraging life to grow!
  •  Volunteer for a cause you are passionate about or offer to help out a friend or neighbor. Meet other like minded people, do something nice for someone else and feel great.
  • Get your finances in order, accounts, check correct payments, receipts for tax, write a will, do some goals planning you will fill more confident and have greater peace of mind.
  • Attend a free community class, or concert, a free intro offer class, or religious service.
  • Play a game with family and/or friends, Sherade’s (sounds like?), hangman or a board game/card you have.
  • Catch up with family or old friends for a chat, if they are far away write a letter, card or email
  • Have a nap. Life can get hectic so remember to take care of yourself too, i.e. rest & recovery
  • Mentor someone and be mentored by someone. We stop growing we go backwards in life.
  • Schedule your life and stick to it. Allocating me time (reflection), exercise time, relationship time, career time, self development time, home chores, preparation for next day, and fun experience time. This will help you stay on track with self accountability and the small goal you achieve for yourself will build your confidence to take on bigger goals. 

If you are stuck in a funk or you’re lost in a cloud of complexity feel free to contact me. Most often in life we just need someone to talk things through and to lighten our load a little. The following article may also be of help.

Are you in the way of your own success?

Financial independence made simple

From little tings big things grow

The story of 4 horses

Live your ideal life without financial concern

This post was written by Peter Horsfield, as such they are his personal views.

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.

 

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1. Let ‘It’ GoP1010064

2. It’s a process

3. Take Care of Yourself

4. Start Now

Letting ‘It’ Go.

The past is dry cement. It’s set. We can’t be changed. It is what it is.

The reality is “life can only be understood backwards, but it must be lived forwards” Soren Kierkegaard.

The challenge is how to do it more effectively and how to do it well.

Elsa in the blockbuster Disney movie Frozen sings about the self-empowerment and freedom of letting it go.

Maria Kondo writes about the power of sparking joy through the process of letting go.

Joshua Fields Millburn & Ryan Nicodemus have even started a movement of minimalists with their quest to live a more meaningful life, by embraces less AKA letting go via the process of minimalism.

There are countless other guru’s, spiritual leaders and teachers we can also draw on for inspiration and advice too, however ultimately letting go come down to us and the personal decisions we make.

Learning to fail forward it’s the key here, rather than remaining a nut stuck in a rut and having our failures, fears, judgements and self-criticisms hold you back.

Acknowledging failure AKA hugging the cactus helps us to recognise the areas where we need to evolve.

Failure is a massive part of being successful, because failure is where the lessons are. However letting go of what we are hanging onto and that which is holding us back is the first big and vulnerable step we must all take, if our failures are to be the starting point for our growth.

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LoveI love people. This is my greatest asset and also my biggest weakness.

I believe the more you help others the higher the probability is that they will help you.

However in this hyper competitive, crowded, catch phrase, race for others to like us, world we live in I feel sometimes we lose sight of what truly completes us and what we think we have to gain others approval of us.

The reality is that we all love reality.

We only have to switch on the TV and be bombarded by reality home renovation, cooking, dating, survival and even watching people watching TV (google box) programs. Even when we know they are not reality we still gravitate to watching them.

We are also socially hardwired to look through the lens of others’ lives and modify our own behaviours, opinions, and expectations as a means of self-validation and acceptance by those important to us.

So we play it safe. We do things that we think others will approve of and as a result we die a slow silent death inside of ourselves until we one die or two face a significant event that causes us to make a change.

What I have also come to appreciate is playing this game of life is best played at the edges. I’m not talking about recklessness, I mean living life authentically and true to what’s important to you and who you aspire to become.

I can’t say I’m better either, because I too bought into the expectations of my parents, friends, community and the society. I borrowed as much as I could to by the most expensive house I could and pretended to be successful when all I was doing was struggling in my career and drowning in debt.

While money is important, I frequently see in my role, time and time again miserable people because they are burdened by lifestyles and debts in an effort to be accepted or seen as successful in the eyes of others. It tears me up all the time!!!

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DolphinCowThe world is not changing, it is evolving.

Today there is no less or more time today than there was a millennia ago and the same conundrums exist i.e. answers to our question.

How can we do more, be more, have more, experience more with the resources we currently have?

Steven Covey recommends prioritising the big rocks in our life. This video is a valuable lesson and reminder about time management and how to better prioritise the important things to us in life.

It is in our nature to problem solve and become more efficient and effective.

We have evolved to walk instead of crawl. We’ve learnt to fly and dive safely to incredible ocean depths. We have travelled into space and today with the internet today we can communicate across the globe instantaneously. What we humans have accomplished is truly astonishing.

The process of achieving these amazing feats follows a well-worn path. Dream, try, fail, and engage others help. Create, fail, try again, improve again and repeat this process through to achieving our goals.

On this journey we have created products that have assisted us to achieving these results, at the same time the products we’ve created make redundant less efficient and effective processes and industries.

As we evolve our question of relevance and opportunity remains.

The good news is the solution has also never changed. Those who can create, problem solve and deliver improved results will continue to have the advantage because of their value in the eyes of others.

We pay others to solve our problems. Be it a tax bill, protecting our estate, fill in the blank….

Now I’m not a rocket scientist and I’m no Steve Jobs, but what I am is me.

Getting this was the biggest paradigm shift and answered my own questions of relevance, self-discovery and how to deliver “me” in a way that is authentically consistent at the same time add value to others.

The truth is living authentically not only clarifies in the eyes of others our point of difference, it is the foundation of our success for everything and everyone.

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Authentic1. Financial Planning is a lot like golf. You can make it so complicated as to be impossible or you can simply walk up and hit the ball. I've been helping and advising clients for almost 20 years and my advice is to walk up and hit the ball.

2. Financial planning is about people and it's about problem solving. It is not about newer technology, hot stock tips, financial products or legislation. It's about people and it's about solving problems.

3. People engage you as an adviser for 4 things and 4 things only. Ever. Those 4 things are to have more time, more money, richer experiences, and approval/peace of mind. If you try to change them with your advice about something other than those 4 things you and they will fail.

4. People buy aspirin (pain relief) always. They buy vitamins (to be better) only occasionally and at unpredictable times. Sell aspirin (relief to your client’s pain).

5. Being valuable and useful is all you ever need to do to be valuable in the eyes of others. Help people out. Send interesting posts. Write birthday cards. Record videos sharing your ideas for growing their business. Introduce people who would benefit from knowing each other, then get out of the way, expecting nothing in return. Do this consistently and authentically and the people you want as your clients will find ways to be your clients. I promise.

6. No one cares about your work load, your increased costs, increased compliance, and your competitors undermining your value, etc. No one. They care about the problem you are solving for them."

7. There is no lack of clients stopping you from creating your ideal business and life. Add value to your clients, price yourself fairly (win/win), and deliver on your promises to you clients.

Your clients choose you because they believe in you! Prove them right!

If you are stuck in a funk or you’re lost in a cloud of complexity feel free to contact me. Most often in life we just need someone to talk things through and to lighten our load a little. The following article may also be of help.

Are you in the way of your own success?

What's the price of financial advice?

If You were listed on the share market would you buy your stock?

Why making money is counter intuitive

This post was written by Peter Horsfield, as such they are his personal views. Peter helps you to focus on what’s most important, the right strategies at the right time. To learn more about How to become Financially Independent visit Peter Horsfield Smart Advice

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.

CairnsIf you are willing to own it, you can change it!

I know what I have to do, I also know that there’s no getting around it, however procrastination is how I like start my day.

I’m still trying to understand why I find such reassurance and motivation by having this process, maybe it’s an echo of my youth stalling before diving into a cold pool at 5.30am. If you’ve done something similar I’m sure you understand the desire to delay and self-psych it entails.

Starting my day 99% of the time looks like opening emails, checking the financial news, industry talk and a general news.

Last Wednesday was no different. One article I came across was about an Instagram show called Cuppa with Kumi.

Kumi Taguchi is a presenter with ABC’s Compass program. Compass and Kumi interview philosophers, public leaders religious leaders and everyday Australians about life and spirituality.

Intrigued, I gave myself a reason to procrastinate a little longer I decided to watch the video connecting to values

The title “Connecting to Values” resonated with me because as an adviser I believe my most important value is facilitating, accountability and support for clients, team, colleagues and myself to live a life of authenticity and alignment to our core values,

When your value are clear your decisions are easy and our financial security is the by-product of smart choices and our actions.

Kumi interviewed Johann Hari Author of Lost Connections about how we can better define our values and some simple steps we can all do so to move forward and live a life more aligned to our core values?

One of the best lines in the interview was about junk values and these being like KFC for the soul.

“We all know about junk food and how it has taken over our diets and made us physical sick. But there is also strong evidence that junk values have also taken over our minds and made us mentally sick too”. Said Johann Hari.

"Junk values being the values that we think will make us happy, or only happy for a short time, and after we they make us feel much worse even worse have long term negative effects on our quality of life" he said..

Examples of junk values being, money, status, showing off.

The problem being that the more these values drive us, the more susceptible we are to become depressed and anxious......By quite a significant amount.

Modern society has us immersed in a culture of consumerism. Resulting in society and us as individuals placing more and more importance and value on money and status, Unfortunately this has been for most if not all of our lifetimes.

Resulting in us being trained by society, our peers, advertisers and our tribe to seek out happiness in all the wrong places.

Even when we innately know that these junk values of status, money and being liked are shallow. The problem is that the society we live in has a machine like design output process, to get us to neglect what is important to us i.e. our own core values.

So how do we move away from this?

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Investsure Holdings Pty Ltd ABN 16 050 286 630 \(t/as Horsfield & Associates\) is a Corporate Authorised Representative of Infocus Securities Australia Pty Ltd ABN 47 097 797 049, who holds an AFSL and Australian Credit License No. 236523.
Information published on this website has been prepared for general information purposes only and not as specific advice to any person. Any advice contained in this document is General Advice and does not take into account any person's particular investment objectives, financial situation and particular needs. Before making an investment decision based on this advice you should consider, with or without the assistance of a qualified adviser, whether it is appropriate to your particular investment needs, objectives and financial circumstances. Past performance of financial products is no assurance of future performance.