CAIRNS (07) 40315905 also at | SYDNEY SOUTHPORT | IVANHOE 

FullSizeRender 2

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.

FRM

Successful people have this over their rivals; they know why, where and how to reach their goals sooner.

  • Are you on track?
  • How much do you need?
  • How long will it take?
  • What are my risks?

Because action beats intention every time!

 

Venue: In Person or online

Duration: 60 minutes.

Price: $440

 

Our Guarantee:  If you don't experience greater clarity, confidence & certainty about your money and what to do, you wont pay us a cent. 

 money-back-guarantee

 

 

 

 

 

 

 

Please type your full name.

Invalid email address.

Invalid Input

Invalid Input

Please tell us how big is your company.

Invalid Input

Invalid Input

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.

Continue reading

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!

Continue reading

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.

Continue reading

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.

Continue reading

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.

Continue reading

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".

Continue reading

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.

Continue reading

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.

Continue reading

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.

Save

Save

Save

Save

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.

Save

Save

Save

Save

Save

Save

Save

Save

 

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

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

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

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.

 

 

 

 

 

 

 

 

 

 

 

Double Island & ReefA conversation between Money and Me

Me: I'm going to live my ideal life without financial concerns.

Money: Good luck with that.

Me: Mark my words, I will.

Money: You're dream'n, but go ahead and humor me with your how?

Me: Three ways.

Firstly by ensuring my ideal life is built on my choices being aligned to my values. And this to be occurring in all areas of my life financially, relationships, career, spiritually and health.

Secondly by ensuring I best manage what I can control.

Thirdly by protecting my capital against emotional choices I may make due to negative events occuring outside of my control. Mindful that these events also present opportunities in such financial storms.

Money: I will fight you every step of the way and in every area of you life!

Me: I too will fight for what I value and what’s important to me. Beyond this money is a distraction to me from living my life in the moment.

Money: Game On!

Me: Game On!

Later in life…

They say “Rome wasn’t built in a day” and this saying is just as true for me and the building of my ideal life.

To date it has taken me twenty years of ongoing planning, education, perseverance, setbacks, extra funding, rebuilds, risks and much more, however by all accounts it’s done.

The match winner.

"Insanity: is doing the same thing over and over again and expecting different results". Albert Einstein.

So too my path of living an ideal life with no financial concerns has required me to do things very differently than I had done before i.e. expanding my financial planning business to include Cairns (Far North Queensland) and relocating up here on a semi-permanent basis.

Not only has this change allowed me to better prioritize. Today I am better placed to participate in more of the things truly important to me, whilst also being no place else whist doing them i.e. without distractions.

This clarity has also enriched the experience for myself and those who I am with. As I more fully appreciate that money is only significant to the extent that it allows you to enjoy what is important to you. And not worrying about your finances is critical to having a life that excites you, nurtures those we love and fulfills our highest aspirations.

This was a big “Ah Ha!” moment for me. Especially as a financial adviser when you're are told (and buy into the belief) that a financial advisers value is solely based on the amount of money you make for clients, more than helping them to become happier people.

This combination of my “Ah Ha” moment, along with the accumulated knowledge and experiences I'd leant on my own ideal life financial journey continues to shape me as the advisor I am today.

In fact they have become the bedrock of my passion and purpose. This is to support, help and hold accountable all who are willing to do the work required to live their ideal life, without financial concern.

They say success is 1% inspiration and 99% perspiration. Living your ideal life without financial concern requires even more than this. It requires you to enjoy your success too.

Here are some tips I apply to my own life:

  • Discover what’s important about money to you.
  • Discover how much you need to fund your ideal life, without financial concern.
  • Do the work. Consistence beats perfection.
  • Quality experiences require more time than money.
  • Become an expert in your passion.
  • Enjoy the plateau i.e. be patient; short cuts more often set you back than shorten the journey.
  • Substance beats flash.
  • You are not your current bank balance.

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.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Values

     Tropical Beach? Check

     Hammock? Check

     Chilled fresh coconut? Check

     Sunnies? Check

     Island tunes? Check

What does your ideal life look like? What are you doing? Who are you with? Where are you? How are you feeling?

A short time ago I was my own worst boss.

You know the one who is constantly on your back, 24/7 watching you, criticizing you and measuring you. The type of boss that nothing is ever good enough for and when it is; well that's to be expected. Now get back to work!

I was once told to achieve and move forward “the pain of moving forward must be less than the pain of standing still”.

The message I heard was “always be in pain”. I talked this way to myself for over a decade.

Regularly I would wake at 2 am in a cold sweat, fearing about business, my clients, bills, staff, expetations, procedures and more. I worried a lot and all the time. I put on weight, I lost weight, lost interest in everything and became excruciatingly cynical.

Then I chose stand up to myself and my inner bully boss saying "No more! This is hurting me not helping me".

Life is more than money. Money is important but only to the extent that it allows us to enjoy what is important to us.

Where had it all gotten so wrong?

Looking back I remember embracing financial planning (seventeen years ago) because I got to learn about money, help others achieve what’s important to them, and doing so, I could also achieve what was important to me.

Today the same passion to learn, help and live an ideal life still burns within in me; however for a long time I was immensely unhappy because I had bought into the belief (promoted by the industry and media) that my only value was to make clients money and that this was more important than helping them achieve their goals and the things more important to them in life than money. i.e. living an ideal life without financial concern.

To move forward I had to revisit, reassess and document my own values. I had to reconsider my goals and personal milestones and benchmark once more where I was in relation to where I wanted to be. Just like I facilitate with my clients today.

The result? Happiness. Confidence. Peace. Certainty. Empowerment. Inspiration and Clarity.

It’s important to note that these results didn’t just happen simply because I had documented my values, goals and benchmarked them.

Achieving these results required my total commitment to a plan of action, accountability, implementation and activities across all areas of my life, including my relationships, health, spirit, career, finances and new experiences.

Surprising, even to me, when re-aligning my choices to my core values, long standing milestones quickly came within reach and others that I thought were important became less so.

Making choices aligned to my values has enabled me to make better decisions, in less time and with greater confidence. This has also lead me onto experiencing greater peace, enriched experiences, deeper relationships and much more.

Aligning choices to our values is simple but not easy.

Chosing to do so requires 100% commitment, honest conversations with ourselves and those important to us, turning off from low value distractions and patience, however when we begin and are on the path of mastery, the ultimate reward is not a gold medal but the path itself.

Here are some tips I apply to my own life:

  1. Consistency beats perfection.
  2. Enjoy what you do.
  3. It’s not what you have, it’s what you do with it.
  4. Know where you’re going and why it’s important to you.
  5. Trust is a combination of both character and competence.
  6. Investing in oneself is the best investment one can ever make.
  7. Life is not a dress rehearsal.
  8. When your values are clear your decisions are easy!

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.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

RainbowI was once told by a close friend that “When you’re going through hell, keep going!”

Today these words continue to encourage and motivate me when I struggle through times of difficulty; even while I’m living here in paradise.

Once a king called upon all of his wise men and asked them, “Is there a mantra which works in every situation, in every circumstance, in every place and in every time – in every joy, every sorrow, every defeat, and every victory – one answer for all questions?  Something which can help me when none of you is able to advise me? Tell me, is there any mantra?”

All the wise men were puzzled by the King’s question.  After a lengthy discussion, an old man suggested something which appealed to all of them.  They went to the King and gave him a ring with words engraved into it, with a condition that the King was not to read it out of curiosity.  Only if, in extreme danger, when the King finds himself alone and there seems to be no way out, only then he can read it.  The King wore the ring without reading the engraving.

Sometime later, the neighbours attacked the kingdom. The King and his army fought bravely but lost the battle.  The King fled on his horse and the enemies followed him. The King found himself standing at the mouth of a deep ditch. If he jumped into it, there would be no way out. The sound of the enemy horses were approaching fast and the King became restless. There was nowhere else to go.

The King remembered his ring and about the engraving. He decided to read the message.

“This, too, shall pass.”

The King read it again and again until something struck him. Yes! This, too, will pass. Only a few days ago, I was enjoying my kingdom; I was the mightiest of all the Kings.  Yet today, the Kingdom and all its pleasures are gone.  I am trying to flee from my enemies. But just as those days of luxuries have gone, this time of danger will pass, too.

Calm came over the King. He remained still and silent. The King looked around at the place where he was standing and realized how beautiful it was.  He had never known that such a beautiful place existed in his Kingdom.

The revelation of the ring’s message had a great effect on him.  He relaxed and forgot about his pursuing enemies. After a while, he realized that the noise of galloping horses had receded and that his enemies had lost him.

The King gathered himself and reorganized his shambled forces and fought again.  He defeated the enemy and reclaimed his empire.  When he returned to the city after the victory, he was received with much fanfare.  The whole capital was rejoicing and everyone was in a festive mood. Flowers rained down upon the King from every house, from every terrace as he trotted by.  People were dancing and singing.  In this moment the King thought to himself, “I am one of the bravest and greatest Kings.  It is not easy to defeat me.”  In all of the celebration an ego emerged in the King.

Then a ray of sunlight caught the King’s ring and sharply flashed into his eye reminding him of its message, “This, too, shall pass.”

He lowered his gaze and his valiant expression changed to one of humility. He realized, again, that if this, too, is going to pass, it is not yours. The defeat was not yours. The victory was not yours. You are just a player. Everything passes by. We are witnesses of all of this. We are the beholders.

Character building, guts, a rite of passage and increase self-confidence maybe the dividend of overcoming our difficulties however, What if the choices we make are in fact compounding our trouble? What if we subconsciously attract troubles into our life so we have something to motivate, distract, or justify to ourselves? Worse still, what if we don’t even realise our choices are compounding our troubles?

It sounds cliché but in my experience I needed to hit rock bottom.

Worse still, when I thought I had reached rock bottom, something else would happen and it take me even lower. I even made conscious decisions to hurt myself further in my self-loathing state.

My cynical joke, “it’s always darkest before it all goes pitch black”. Obviously I was not having a healthy relationship with myself and this unhealthy relationship only compounded my troubles.

What was my circuit breaker?

I gave up, all of it, all of me. I accepted that I couldn’t help myself. I was broken and for me I needed to experience acceptance without judgement.

After long searching, fighting, hurting, questioning and sincere prayers I accepted a peace offering. I accepted Christ in my life and in doing so accepted peace with God. Why? Because while I might not like myself and others felt obliged and even happy to point out my flaws; along with everything “This too shall pass”.

Peace has given me the courage to reconsider my priorities and embrace new experiences. It has provided both clarity and minimised distractions, enriching far more of my life than I had first expected.

Here’s some Tips I apply in my own life:

  • Find peace. Don’t stop searching until you find it.
  • Remove all expectations, just be.
  • Embrace nature. It’s free and inspiring
  • Change your environment and exercise more.
  • Live your truth, your values and do the activities that underpin your growth.
  • Share your burden with someone you trust
  • Breath
  • Never give up!

Thank you, from me to you. Thank you for allowing me to share my truth and being part of this journey. My hope is that these words inspire you, comfort you and you find peace.

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.

 

 

 

 

 Sunrise swimWe meet again my old friend! It’s has been twenty eight years since we last greeted each other. I am here not to compete with you or anyone else, I’m here only to enjoy the experience and improve myself.

5.30am my toes gripping the ledge of the swimming pool as I roll forward and dive into the water.

These days my pool maybe surrounded by coconut palms, the water a comfortable twenty five degrees and the private competition pool less than fifty meters walk away from my home, however I still need to make a conscious decision to get in and swim!

Be it diving into a pool half asleep at 5.30am or wanting to achieve anything important to me in life. After committing myself I have always experienced an initial shock, then awareness and the reality of my decision followed by my acceptance and then simply getting on with the job or task at hand.

Regardless of how many books I read or courses I complete, for me success has required full immersion, simply doing the work and improving my technique and strengths along the way. Just like learning to swim; to become confident and competent required me to step out of my comfort zone and into the pool.

The danger is that success (earned or not) is highly euphoric as it releases natural dopamine’s within you. The quest for this natural high can become all-consuming if gone unchecked.

An even greater risk to us is when the expectations of success are not realised. Increasing our risk of depression and/or seeking external gratifications in order to self-validate. I have experienced both in and out of the pool.

Swimming has taught me a lot about myself and life. And while we love to test ourselves against others and everyone loves a winner; the real winner is the individual participant.

Why? Because simply committing and following through on our own personal expectations is self-empowering i.e. getting out of a warm comfortable bed and into a cold wet pool is character building.

Appreciating that while others may be more naturally gifted, have the newest equipment or simply be better, in most cases everyone can enjoy the experience of self-improvement i.e. learning to swim.

Doing the work is both meditative and a proven path for improvement. Most advances in life often happen after a long plateau.

And finally as with anything in life, to be your best you need to be committed and have committed people around you. Both those who love you and those you pay to help you improve. Accountability is the motivation to action.

Here’s some Tips I apply in my own life:

  • Be good to those who support you. If not success would be even harder than it already is.
  • If not now, when? Followed by Do or Do Not. There is no Try (Yoda-Star Wars).
  • Commit to personal expectations that impress you vs. expectations to impress others or by others.
  • Remain committed to your passions and values. Doing so provides greater clarity, commitment and heightens the chance of success.
  • Money is a motivator. Paying a coach motivates you to turn up, implement advice and do the work to improve.
  • The past is dry cement. Don’t let success get to your head and let go of your failures.
  • Be happy with the plateau, knowing that doing the work (as opposed to not doing the work) brings you closer to a spike in improvement.

Whatever you want to be, become, or achieve in life, at some point you are going to have to get in the pool. I encourage you to ask yourself, “If not now, then when?”

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.

 

 

 

 

 

 

 

 

 

Copyright
© Copyright 2012-2020 Investsure Holding Pty Ltd.
All Rights Reserved
Sitemap 
Social Media
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.