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FullSizeRender 1“Traveling – it leaves you speechless, then turns you into a storyteller.” Ibn Battuta 

Today I rode a camel.

Riding a camel is nothing like riding a horse. Not the mounting, dismounting, riding/swaying or the itchy, smell and overall discomfort. However the experience concluded by watching the sun setting over the Sahara dunes followed by a dinner, drums and drinks in a Berber tent and under a star filled night.

An experience to leave me speechless and one I will cherish for the rest of my living days.

This journey and most recent experience has taken many years. From an initial thought, followed by an interest, then a plan and lastly a committed action.

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Darwin Twilight WaterfrontEvery day we are bombarded with media, work colleagues, strangers, families and friends judgments about our body shapes.

Our feelings of self-worth, twisted and magnified by our own expectations, past experiences and the physical changes due to our hormones and the foods and drinks we consume.

The good news is that we are not our past and each day we have the opportunity to live, believe in and do the activities to bring us closer to experiencing our ideal lives.

In life I’ve learnt that success is simple, but not easy. You simply need to know specifically what you want, know how much it will cost and pay for it.

I also know that change can happen in a moment, however coming to the decission to change can take years if not decades.

Recently I decided to change my relationship with food and myself and pay the price to achieve my goal.

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Stress-FreeMoney issues that can cause stress and the solutions to help.

1."Annual income twenty pounds, annual expenditure nineteen [pounds] nineteen [shillings] and six [pence], result happiness. Annual income twenty pounds, annual expenditure twenty pounds ought and six, result misery." - Charles Dickens, David Copperfield

Solution:  1. Make more money, 2. Spend less money, 3. Do both 1 & 2.

2. “This would be a much better world if more married couples were as deeply in love as they are in debt.” -Earl Wilson.

Solution: If you are in debt your most important priority is to ensure your debts are manageable and not impacting your choices, quality of life, relationships and aspirations.

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Gold PandaIn our busy consumer and capitalist modern day lives, it’s easy to be coaxed into believing bigger is better.

Business leaders set Big Hairy Audacious Goals (BHAG's) for their organisations. Motivational speakers preach “Aim for the stars, because if you miss at least you’ll land on the moon”, whilst talented athletes train for years with their hopes set on Olympic Gold.

We're constantly striving for more; more money, more experiences, more accolades and attention. Whilst forgetting or unaware of how much is really enough.

Often we buy into the misbelief that we’re less than others based on others having more. Which by the way is a fondational globally successful strategy used by advertisers to push their products.

A“caveat emptor” about goals.

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Chef

Recently I had a very enlightening conversation with a chef, and discovered why their cakes always win the awards?

Applied the same way I discovered a foolproof process for having your cake (achieving our own financial goals in life) and eating it too.

Conversation with an Award Winning Chef.

Award Winning Chef: What is the first thing you need to do when you make a cake?

Me: Get the ingredients?

Award Winning Chef: No!

Me: Get the recipe?

Award Winning Chef: No!

Me: Um.... I don’t know, I give up. What do I need to do?

Award Winning Chef: Decide what type of cake you want to bake, and why?

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Both from personal and profession experience, I’ve learnt and seen on a daily basis, at its core, what we spend our money on, is a direct reflection of what we value most.  

For example when my self-esteem is high I start booking “experience” holidays, because new experiences and holidays are important to me.

When my self-esteem is low my natural inclination is to buy and eat junk food. Why? Because important to me at that time are my feelings of comfort, rebellion and unworthiness.

However it’s also important to understand the connection between our money and our job.

Your job probably means many diffident things to you; however the core purpose of our job is basically to earn enough money so we can do the things we most value and are important to us.

What’s important to you is like opening Pandora’s Box, however in short the academic community has concluded that happiness is attainable though a continuous combination of friendships, freedom, health, financial security, privacy, a life philosophy and a purpose.

“Your Money or Your Life” is a book written by Vicki Robin, Joe Dominguez & Monique Tilford. It has many fantastic insights and prespectives about financial independence being within most peoples reach if they choose and ask the reader many questions; however one particuar question is of profound importance “How much are you trading your life energy for?

Let’s use the following as an example of what a job costs us (based on a $25 hourly income)?

Activity

Time/ week

Cost $25/hr

Work

37.5

+$937.00

Tax 25%

 

-$234.00

Preparation for work

2.5hrs

-$62.50

Commute

10hrs

-$250.00

Meals/Drinks

2.5hrs

-$62.50

Unwinding (stressed out)

10hrs

-$250.00

Escape Entertainment

4hrs

-$100.00

Attire

0.5hrs

-$12.50

Total Cost

29hrs

-$971.50

In this example not only is this cost of the persons job 66.5hrs a week of their non-renewable resource A.K.A. time, they are also spending more than they earn. Sound familiar?

So while everyone is different, my point is there are a multitude of indirect costs and ways we may or may not be consciously factoring into the cost we pay for our jobs.

These costs are in addition to the impact our jobs may be having on our health, relationships, and happiness.

The important take out from this exercise is to ask ourselves “Is there a better way?

And if so what are the activities we can do right now that will start to improve our life in a positive way?”

For myself this required what others may call a radical shift .

I expanded my business and relocated from Sydney to Cairns the doorstep of the Great Barrier Reef and Daintree Rainforest.

Doing so has saved me $50,000 less per year in my "job", as a result my income increased and I have more time to exercise, entertain, grow and help others. The very things that are important to me and my happiness.

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 articles may also be of help.

7 ways to be instantly free and start living your dreams (ideal life) now!

Be Debt Free ASAP

From Little Things Big Things Grow

If Not Now? Then When?

Free at Last!

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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EffortIn a recent google search I discovered that at best only “4% of the population will ever be financially independent”.

Anyone who’s ever started a savings plan knows that this figure is accurate, as the temptation to spend your money now far outweighs the sacrifice of saving and having more in the future.

Maybe you haven’t discovered how much money our money can make by reinvesting our earnings; especially when working with a trusted adviser to help decide what steps and actions to take and which ones will be the most effective.

Maybe you are saving because we’re told too not realising the benefits from investing aligned to what’s truly important to you; or you’re still trying to figure it all out on our own.

Whatever the reasons are, here are some sure signs that achieving financially independence will be a struggle for you.

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Koko Head Summit“What’s important about money to you?” I asked a prospective client who came to me for some advice. To which they replied “Well I’d rather be rich and unhappy than poor and unhappy”.

On the surface this sounds a valid and reasonable response. It also reflects our modern day society’s appetite and drive for achievement, however rather than helping us it may be deceiving us of what maybe a better way.

Let’s use the following personal experience to put this in perspective.

My goal weight is 78kg. When I’m above this weight I feel unhappy and unsatisfied.

My desire to achieve my happy weight motivates me to over exercise, over diet, become overly tired, then give up.

Often I’d find myself with a spoon in one hand and a bowl of ice-cream in the other, accepting failure again and the entire experience negatively impacting not only my self-esteem but my work, my relationships, my health and finances too.

Furthermore the times when I achieved my goal weight, within the next six to twelve months my weight is back on or more and I’m left wondering how I got there. A feeling of exhaustion and defeated wash over me as I accept that this maybe simply be my lot in life i.e. constantly experiencing this painful process over and over again. So much for happiness!

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2016Well friends, 2016 is now dry cement.

However before we embark on our plans for 2017 I’d like to share the ups and downs, successes and failures of the 2016 that was.

I do this at the start and end of each year to keep myself accountable and inspired on this journey called life.

The past maybe dry cement, but I believe it’s also important to also celebrate how far we’ve come, reflect on where we could have done better and put myself out there publicly as a form of motivation to do the work I need to do in making my plans a reality.

I hope that you find my wins, stumbles, and insights help you on your own journey to getting the most in life.

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Fear Not

 Here’s an interesting thought. “Thoughts are things” and our thoughts directly impact our lives. They are the building blocks of our focus, feelings, validation and self-esteem.

So there is some truth in the saying “Choose one’s attitude and you choose one’s life”, however what if our attitude is one of worry & fear?

Studies have found about 86% of us classify ourselves as worriers. Maybe a better career choice would be to become a Fearessional (a person who fears professionally).On average people are worrying approximately 2hrs a day.

Source How much time do you spend worrying?

Paradoxically we are living in a time when we have better health, environment, communication, transparency, greater safety, financial security and less wars.

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0004661500 10The reason I get up each day and do business.

"To help you achieve your ideal life, live it worry free and make the world a better place". Peter Horsfield. Certified Financial Planner

Rich Happy Worry Free

Succinct, compelling and all about You!

  1. Money isn't the answer. Any money that you spend that doesn't make you HAPPIER is WASTED!
  2. Love what you do.- We are all attracted to authenticity and genuineness.
  3. Do only the activities that you receive a direct benefit from. i.e. diet, exercise, relationships, education, adventure and spirit.
  4. Discover your spirituality. We are spiritual beings having a human experience.
  5. Do it for you .i.e. Be true to yourself.
  6. Challenge yourself often; mentally, physically, musically, spiritually, confront your fears and emotionally.
  7. Let go of the past and future. The present is a present.

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red pandaGrowing up Dad would drive me to swimming training early in the morning and to pass the time we would tell each other jokes.

Trained as an accountant with a background in economics and having a very dry sense of humour, this is one of my favourite jokes I remember him recounting me.

A businessman was interviewing job applications for the position of manager of a large division. He quickly devised a test for choosing the most suitable candidate.

He simply asked each applicant this question, "What is one plus one?"

The first interviewee was a journalist. His answer was, "Eleven".

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010312093105-422609 10150588760314212 511794211 9285741 549660928 nThe American’s sure know how to market entertainment and sadly I’ve been sucked into watching Trump vs Republicans slagging matches, the Bernie Sanders and Hilary with the FBI. It’s House of Cards but Live!

I’ve even snapped at loved ones, just so I could watch a news grab or an interview with the candidates themselves, their fans or political commentators slagging or slandering each other like it’s a sport.

Then I asked myself “What value is this adding to my life?" It only freaks me out watching all this political sensationalism and it’s distracting me from the more important things in life within my control i.e. exercising, relationships, helping clients and trying new things.

At first my solution was to simply block news website pages and I downloaded movies instead of watching free to air TV. This only gave me more time to wonder about what’s happening, which lead me to an realisation that it might not be politics or news I am addicted to. It might be something more.

Looking inward and self-examining “What do I want more of? What can’t I get enough of? What don’t I have enough of?

Some of my discoveries were as follows.

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fitzroy-feature

In life I believe we are given signs. In fact I literally saw mine walking to work. “Better, Not Bigger” flashed before me as the bus turned the corner and speed off.

Since then this “simple” message changed my perspective of life to its core; rippled through my business dealings, relationships, health, experiences and goals, to what I believe and doing so helped me to reveal the more authentic me.

K.I.S.S. an acronym for "Keep it simple, stupid" created for a design principle noted by the U.S. Navy in 1960.

This K.I.S.S. principle states that most systems work best if they are kept simple rather than made complicated; therefore simplicity should be a key goal in design and unnecessary complexity should be avoided.

In fact I believe simplicity embodies elegance, wisdom, effectiveness and profitable.

I think I’m in good company here.

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TurtlesWhy bother? Why struggle and why strive? In the end one is getting out of here alive.

More than this, in three defiantly four generations no one will know or remember us anyway, aside from maybe some old pictures, certificates and titles.

Who am I living life for? Myself or the good opinion of others?

Invisible bars of expectations and limiting beliefs imprison me from experiencing who I truly may be and become. Not only to myself but to others.

The struggle to accumulate wealth and the approval of others leaves me burnt out and cynical. Full of worries and looking forward to embracing death, where dashed hopes and worries would haunt me no longer.

Step out in front of that car, jump off that balcony or maybe a quick slash with a sharp knife. It’s so easy to be one moment alive and then next, not!

I remember this self-talk starting back in 2010 and it carrying on at least up to mid-2014.

Looking back on these the dark years, I was truly broken, by my own doing and I believe by the will of God. My memory scars continue to heal today, however at that time back in mid 2014 I first needed to make a huge leap into the unknown.

Lost and confused, angry with myself and God and feeling abandoned, shamed, hurt, and estrangement from the pleasure of life. I considered my only remaining option and began my process of making peace with God (the Creator of all life). I remember many times breaking down and crying on this journey of disarmament, acknowledgement and acceptance.

The reason I share this with you is to encourage you and that to be alive is to feel pain, sorrow and fear. However if we are to feel truly alive, peace must be our foundation. The fact is God doesn’t need us, but we need God; for both our own peace and an enabler for us to experience a higher quality of life.

Regardless of what happens in my future, peace is my constant goal for myself and others, since I would not be where I am today without this experience, nor would I be as at peace with myself and life.

In mid-2014 an opportunity to do what I love in a location that inspires me every single day presented itself. The challenge involved a life changing transition, including but not limited to a change of office, new clients, transitioning existing clients, new licences, large sums of money to be borrowed and the unknown.

The place was Cairns and the thing I love to do is help people live their ideal life, without financial stress i.e. peace without worries.

Change is never easy however finding peace and making choices aligned to what is important to me made my decision all that much easier.

And with this confidence I stepped forward into the unknown, without any guarantees and holding true to my core values.

Here are some tips I apply to my own life:

  • Be true to yourself. Do it for you.
  • Exercise, get out and amongst nature and be no place else!
  • Meditate, reflect, and find your own peace.
  • Find a non-judgement environment and talk (especially men).
  • Sometimes medication can help. Seek medical advice.
  • Change your physical environment to one that inspires you.
  • Discover what’s important to you and do these things daily.
  • Get you financial house in order as this underpins greater confidence.

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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No2 Sailaway Sunset Sail 4We’re going to live a free life, a happy peaceful life. This means more to us than anything in the world.

This is a story about freedom and every day doing the little but important things.

AboutPaul Kelly's inspiring and moving song about Vincent Lingiari Paul Kelly- From Little Things Big things Grow

And Albert Einstein's famous quote is “Compound interest is the eighth wonder of the world. He who understands it, earns it ... he who doesn't ... pays it.”

Everyone one wants freedom, choices, security, lifestyle, health, peace and more, however have you ever asked yourself what this truly means to you?

For me the important lesson “attaining freedom” was one of patience. This lesson came to the fore when I was twenty five years old. Discovering it would not only help me achieve my financial goals, it was to be a surreal feeling of frustration and liberation at the same time.

In my younger years I was a swimmer. My hunger to be the best swimmer drove me to practice. I practiced six days a week and for many years twice a day. At the beginning I wasn’t the best swimmer however I became the best as my competitors dropped away and I kept practicing.

At twenty five, I was close to broke with no career and the hight of my swimming was seven years in the past. This gave me pause as I innately I understood that again accepting patience and doing the work was the single most important path to not only my swimming success but anything I chose to put my efforts towards. Accepting these two ingredients i.e. patience & work, ensured that I could weather most mundane, unsexy, unexciting, and sometimes difficult daily and weekly disciplines over time.

My new goal at twenty five was one of financial freedom. To me this was $50,000 passive income per year. I projected this would require $1,000,000 in investable assets paying me 5% income per year. Based on a savings plan of $200 per week (what I could afford) and reinvesting my returns of 7%pa. Financial Freedom to me was going to take 30 years (Source Money SMART Compound Calculator). Note returns assume all dividends are reinvested, no allowance was made for taxation. Returns are not guranteed and as such investment values may not be achieved and the value of my investment could fall.

The two big take outs from this goal. Firstly it required a commitment of the $200 per week (not saving this would dramatically delaying achieving Financial Freedom.

Secondly it was going to take time, even a life time of commitment however with time I would be accelerating towards my goal. i.e. After ten years my savings would only have grown to $144,000 approximately, after twenty two years it would have grown to $500,000 approximately but taken only another eight years to reach my goal of $1,000,000. The last eight years my investments would grow more than the first twenty two years!

For me reaching this goal was achieved by the daily effort and my weekly savings commitment, not by some magic success formula, new miracle product. It also ensured that I maintained balance across my life so that I didn’t burn out.

Every big success is made up of little successes, each building on the previous and compounding over time.

Formula for Life

“Our Choices (decisions) + Behaviour (action) + Habit (repeated action) + Compound Effect (Time) = Goals.” 

  • Choices

Most people float through life making decisions on the fly, with little if any thought, only to find themselves wondering why they aren’t happy, healthy, or as successful.

To improve life; make better choices. This is simple but not easy. Making good decisions by fully considering the pros and cons and they alignment to your core values.

One of my all-time favourite quotes by Jim Rohn is “Success comes from making a series of good decisions over time while failure comes from making a series of poor decisions over time.”

  • Behaviour

We spiral upward or downwards it’s a simple matter of our behaviour.

If we say we are a dedicated professionals, but we show up late and unprepared, our behaviour rats us out every time. The compound effect takes us in a downward spiral.

Showing up early, being prepared on a consistent basis is an indicator to others of reliability, which can open doors of opportunity and a spiral us upwards.

  • Habits

Our habit’s move us toward or away from our goals

Regular routines and rituals action become our habits over time. Their effect compounding over time influencing our outcomes. If our habits are good they take us down one path.  If they are bad or destructive, they take us down a completely different path.

“Watch your thoughts; They become words. Watch your words; They become deeds. Watch your deeds; They become habits. Watch your habits; They become character. Character is everything”. Ralph Emerson

  • The Compound Effect

The question I ask myself constantly is “Is the immediate gratification of now greater than the long term pain of not achieving what’s truly important to me?”

Success is earned in the moment to moment decisions that in themselves make no visible difference whatsoever, but the accumulated compounding effect is profound.

The Path Upward

Know where you are, know where you want to get to and have a plan to get there. For me this required me to do the following

  1. Reflect and write down “What’s important to you?”
  2. Write down my goals, evidence I needed that I have achieved my goal, a time frame to achieve my goal within and how I would feel when I achieved my goal. SMARTadvice
  3. Benchmark where you are today in relation to your goals.
  4. Create a list of actions you are going to do to begin bridging the gap between where I am are and where I have to be.
  5. Find someone who will hold me accountable to doing the work,
  6. Do the work!

To achieve something you have never achieved before, you must be willing to do what you have never done before.

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.

This information is of a general nature only and neither represents nor is intended to be specific advice on any particular matter. Infocus Securities Australia Pty Ltd strongly suggests that no person should act specifically on the basis of the information contained herein but should seek appropriate professional advice based upon their own personal circumstances.

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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.

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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.

 

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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.

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