Why Investing in Experiences and Ourselves Heightens Our Happiness

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.

Those of us who love to travel understand the experience is more than the destination. Know that travel draws on one’s inspiration, hope, and motivation whilst richly rewarding the journeyman. Even so far as leaving a legacy of inspiration for future travelers to enjoy.

Travel enriches our souls through new experiences, leaves us in awe of nature’s grandness and beauty. Elevates our understanding through the diversity and richness of different cultures and motivates us to do more in the knowledge of our time being so brief and precious

Every year since 1996 (my 25th birthday) I have worked, saved and invested.

Each year, I have also redeemed a small amount of my investment profits (not earnings or savings) and reinvested it into my travel experiences.

Why? Because doing so affords me the opportunity to save for the future whist also being able to experience the now.

We all travel for our different reasons, however I believe all who travel are even more richly rewarded with experiences and life long memories.

Here is what some of the travel experts say about the benefits of travel as well as some helpful tips for your journeys ahead.

Karlina See Kee

Karlina is founder, adventurer, guide and author for Island Girl Discovery. If I was asked to describe Karlina in a single word it would be Amazing!!! She truly walks her talk while on her own journey of self-discovery, discovering new places and helping others discover new places of their own.

Travel is a personal thing

What you get out of it depends on your individual personality. For some, travel could mean a much needed 2 week break from your everyday life. Or, it could be that once in a life-time ‘gap year’ where you spend 3 to 12 months exploring several countries to tick off your bucket list. Or, travel could be a way of life – which is what it is for me.

Travel has enabled me to see with my own eyes what they tried to teach us at school through books; what I read in newspapers; and what I watch on TV. To see these things come to life before me makes me realise how REAL they are: the humpback whale surfacing to breathe sending saltwater spray onto my face; the explosive sound of a volcano erupting behind me; the reality of war seen as bullet holes left in buildings with memorials remembering those who died; the pungent smell of fresh fish and meat in a traditional wet market; the taste of new spices and flavours in my meal cooked over a crackling fire. Experiencing all this first hand, makes me feel ALIVE! Each journey widens my mind further as I learn from each new country’s culture, traditions and people.

 Travel has benefited me in a number of ways:

  • Satisfaction – to successfully navigate my new surroundings, and to see a new country;
  • Confidence – to meet new people and learn from them;
  • Fitness – increased exercise simply by sightseeing;
  • Less stress – no pressure of schedules or appointments to keep like at home;
  • Increased knowledge – of world issues, politics, history, culture, my own self;
  • Appreciation – of how lucky I am to live in a country like Australia with my freedom, absence of war, access to clean water, healthy food options and sufficient housing;
  • Personal growth – as I challenge myself to step out of my comfort zone, I grow with each experience and realise what I am capable of.

Helpful travel tips:

  1. Whatever your motivation to travel, ensure you achieve the things that YOU want, not only what the rest of your party may want to do. Live without regrets!
  2. Make a shortlist of the top 3 to 5 things you want to see or do on your trip. If additional things happen, then they will be a happy bonus. Make sure your list is achievable to avoid disappointment.
  3. Some useful items you may not have thought of:
  • appropriate adapters for chargers;
  • Power Bank (when lacking access to power);
  • bike chain/lock (to secure luggage to furniture for added security);
  • clothes line (thin rope with some pegs);
  • sarong (as a towel, protection from cold/sun/wind/dust, privacy screen, picnic blanket);
  • reusable shopping bag;
  • pocket knife;
  • zip lock bags (for snacks & liquids);
  • wet ones;
  • Betadine (for cuts to prevent infection);
  • nail clipper 
  • photocopy of your passport
  • a potato peeler (to peel skin off fruits/veg you should avoid in certain countries!).

Ashlyn Thomson

Ashlyn is an editor for Unwritten and an accomplished writer. She has had her articles featured in prestigious news sites such as Huffington Post and The Examiner. Ashlyn is from Ontario, Canada. A self-confessed 24hrs a day travel addict.

The more I travel the more I grow.

You grow to understand people, to really see the different types of people all around the world. The different kinds of people that make the world go round. You start to understand the different ways people think, all depending on their background. You come to realize not everyone is your friend and that life is a competitive world. Mostly you are able to connect with people all around the world.

Traveling; it ignites your sense of happiness, it creates that fascial stretch from one cheek to another, and it ultimately provides you with a never-ending glow. The glow of living life the way you want it to be.

Find an adventure that makes your heart skip a beat. And embrace it with all your ability and drive.

Travelling will ultimately better your life and provide you with a new perspective about what life is like. Improve your quality of life, how you relate to others and enhance others’ lives as well. A never ending circle of happiness and adventure. Your hard earned money can be turned into something more than money; it turns into an experience– that lasts forever.

As with everything in life, we have two options. The first is to stay and live a mediocre life and the second is to risk it and see who we can become.  Most people believe bills, mortgages and a steady job are more important than living life the way we want.

Although it is scary, once you’re past the point of fear and finally realize you’re safe you can recognize how fortunate you are to have added another skill to your life. You will always have those memories to fall back on. You will earn life experience.

A photo is worth a million words, however being able to show your children, grandchildren, or just keep to yourself, those photo albums all about your adventures are priceless. You cannot put a price on having memories. 

If you doubt me, take a moment and think back to when you were ten years old. Now then tell yourself that your dream isn't achievable or realistic. The reaction you get should tell you more than you'll ever need to know about yourself and maybe enough to give you that needed push.

Cheers to Life and to making memories! Your adventure is waiting and calling your name, don’t let it down.

Monika Pietrowski

Monika started mymonpie to capture her adventures as she travels the world in a new way of living. After a solid stint in the corporate world Monica gave up the security, scrutiny and the stress for a nomadic lifestyle. In September 2016, she embarked on a whirlwind tour of the actual world with her partner Simon. Together they spend one to three months wherever takes their fancy – working remotely and exploring the globe. Real ”Citizens of the World” kinda stuff.

While travel can push you to become the best version of yourself, a big challenge can be adjusting your fitness routine to fit your location.

So if maintaining a healthy lifestyle is very important to you, be sure to book accommodation which has gyms, yoga studios, and fitness centres nearby. It can often take one to two weeks to really adjust to a new city so keeping to a routine is key.

Living a nomadic lifestyle can really mess with your gut and digestion. Frequent travel, new environments, water quality all play major factors - but the biggest is probably change in diet. Intermittent Fasting is also a great way to ensure optimum gut health and basically supercharge your body to repair itself. It can also improve one’s productivity and motivation, whilst actually decreasing hunger. 

Advice for aspiring digital nomads: 

  1. Have a plan of how to make income and get your online business up and running as soon as you can - the earlier the better. Even better before you begin traveling. This way you can start earning before you start traveling and be in an even better financial position. 
  2. Try and book as far in advance as you can. Six month slots, to even up to 12 months in advance for flights and accommodation. The earlier you book the more options you will have with Airbnb etc. 
  3. Ensure the country and your accommodation you are planning to experience has decent WiFi, especially if you are planning to work remotely as is becoming more common these days.
  4. Check VISA requirements well before you visit the country. Always have enough money in the bank to prove that you can sustain your travels if questioned. If you do not have a VISA, have your exit flights booked or proof that you will be in another country (i.e.; accommodation, wedding invite etc)
  5. Spread the travel out. Don’t travel every week/fortnight. Spend at least a month in each location so your body can adjust. Probiotics are essential to maintain a healthy gut as lots of travel can wreak havoc on it.


General Advice Disclosure 

Sources of this information are considered to be reliable but are not guaranteed. Information published in this article has been prepared for general information purposes only and not as specific advice to any particular 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.

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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The Price of Success

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.


While early days i.e. six weeks in. I am now back to my preferred weight of 78 kg (shedding 13kg/ 28.5 pounds) and more importantly comfortably maintaining it. I feel physically, emotionally and mentally stronger and in doing so  feel more energised and having greater clarity to make better choices than reactive and emotionally poor ones.


What did this success cost me? Financially nothing. In fact I’ve saved money, over $1,000. However the cost of withdrawal symptoms in addition to the effort to create better habits was both an emotional and physical hefty price to pay and to a lesser amount the ongoing price for success.


Healthy food and appropriate exercise are vital to us experiencing a higher quality of life. Better still by engaging in more in activates aligned to our core values, we are more empowered to do more while also enriching the lives of others, simply by interact in a more positive way; further increasing our chances of success.






Here's what the experts say:


Nic Makim is a health coach [holistic nutritionist + naturopath} and wellness blogger.  Nic’s primary focus is helping fellow busy working Mum’s look and feel their best with solutions for weight loss, vitality and stress.  Deliciously healthy food, superfood smoothies, yoga and good vibes are her jam. www.nicmakim.com.au


Nutritional cleansing is my number one tool for achieving incredible results for weight loss, vitality and energy levels.  Once all those three goals have been reached with the help of nutritional cleansing self-confidence and body shape skyrockets.  The cleansing component of weight loss is incredible important as this addresses toxicity and inflammation and integral part of optimal wellness and feeling fabulous.


Exercising every day with a mixture of cardio and resistance training.  I find vinyasa yoga is great for stress management and resistance training.


Managing stress is really important part of weight loss, moving past the weight loss plateau, boosting energy levels and for self-confidence.  There are an enormous variety to styles of yoga to suit everyone especially great for runners. 

Shari Ware is a Weight Loss Mindset Mentor and a qualified Personal Trainer. She has personally lost 100kg and is keeping it off. www.facebook.com/shari.ware.5

It’s all about Mindset.  If your head is not in the right place, then you won’t succeed long term.

The very first thing I address is the client’s why and why not’s. Overcoming the why nots are quite often the most important part of the process. “We all know HOW to lose weight, so why don’t we?  It’s not until the scales tip in favour of the reasons why, that we will be successful.

My clients who have had long term success, shows up in their mindset. Anyone can make changes for a short period of time, but if you have a weight problem it is usually a long term issue, so changes need to also be long term in order to not only lose the weight but to keep it off. 

There are lots of other things that help successful clients to keep going along the way, such as education, planning and preparation and a good support system. However, the long and short of it is, if they have what I call their “Why Power” sorted, they will be successful no matter what.  When their “Why Power” is strong enough, it doesn’t matter what obstacle is thrown in their way, they will eventually overcome it and keep moving in the right direction.

If I were to make a list, of really important for successful long term weight loss it would be as follows:

  1. Mindset
  2. Nutrition
  3. Support
  4. Exercise


Jonathan Cawte is a Sydney-based sports scientist who is best known for teaching executives how to lose 20 kilograms or more within time poor or high-pressure environments.www.linkedin.com/in/jonathancawteau/

The following are Seven Common Mistakes that Executives Don’t Know They Are Making


  1. Thinking sleep is negotiable
  2. Using caffeine to wake up and alcohol to go to sleep
  3. Keeping temptation within arm’s length
  4. Solving the same problem every week
  5. Exercising with a bad attitude
  6. Refusing to ask for or accept help
  7. Losing faith (fixed mindset) 


These are what cause people to lose control of their weight management and burnout leading to


  1. Fatigue - when all you crave is rest reducing your ability to solve complex problems.
  2. Stress/Disengaged - often executives/individuals just don’t have the energy to spare.
  3. Physical Pain - when even the most basic movements become painful, life is miserable and their state of mind leads to depression
  4. Shame that comes with the struggle to control weight keeping us on the sidelines of life.

The solution


W - Work & Rest Management

E - Exercise 

N - Nutrition

S - Stress Management


By applying the WENS approach first you will support yourself on your journey by minimising uncontrolled eating - fatigue, stress and physical pain. It’s about creating the conditions in which success is possible.



Lorinda Stutterd (APD) has a particular interest in food allergies/intolerances, bariatrics, eating disorders, chronic illnesses and paediatrics. Lorinda is a lover of all food and doesn’t believe in ‘good’ or ‘bad’ foods. She’d rather determine the healthiness of a diet by the amount and frequency in which we consume each of these foods. www.healthmanagement.com.au


The key nutrient I encourage is protein. However, it’s not solely the amount of protein each day, we also need to consider the timing and ensuring our choice of protein is from lean low-fat sources. Protein stimulates the metabolism and keeps us feeling fuller for longer meaning we’re less likely to reach for the lolly jar come 3pm.

A personalised initial meal plan works really well as it gives clients structure and confidence in their food choices. There is no one set diet for success and our plans focus on the goals, food preferences, health status, lifestyle and time which is going to be different for each of us. Practical advice is where we make a real difference in supporting clients achieve their weight loss goals. There are reasons why we at times make poor food choices and the goal is to create personal and effective strategies that minimise these occasions.

The all or nothing approach never works well if you’re looking for long-term results. Those who have changed their lives into healthier/leaner versions of themselves are those who have balance. They tend to know it’s ok to say yes to the occasional tempting sweet they actually desire to eat at that particular time rather than placing certain foods on banned lists or eating simply because it has been offered. Other attributes of those who do well include:

  • Eating slowly and being in better tune with their appetite through knowing when they are comfortably full or experiencing true hunger.
  • Understand planning is half the battle. Knowing what meals will be cooked throughout the week and have back up easy options for times when we are thrown a curve ball in our busy lives. 
  • Vegetables at every opportunity (non-negotiable food group for weight loss).
  • Eat regularly and avoid loading dietary intake all towards the end of the day resulting in binges and altered metabolism.
  • Last of all they don’t diet. Eating for health is a way of life and is not going to be found in a diet supplement, detox or extreme fad.


Liz Richards is a successful author and publisher of Simple Nourishment. She is also a busy allergy conscious mum, who loves making food for her family and friends. I personally can verify the yummy snakes she makes. www.simplenourishment.com.au

Eating to suit our bodies and not other people’s bodies has always been a big part of why Simple Nourishment was created. The important tool of ‘listening to our bodies’ is often taken away from us or we give it away when we choose to follow diets or trends. What works very well for someone else’s body may not work so well for yours but because often we follow blindly through amazing marketing we miss the vital signs which could be: increase in weight, lethargy or weight loss or, we may just choose to ignore them too.

Cutting large parts of our diets be it: Carbohydrates, fats or protein, has effect both on the body and the brain & this is something not many consider as they take off on a path of ‘this is the answer’ Understanding what each of these macro nutrients does for our body is the first step.

Protein – repair cells and make new cells – our body doesn’t store protein

Fats – second source of energy, cell growth and hormone production – our body can store

Carbohydrates – first source of energy for our bodies which our body can store

The most simple and effective way to ‘hear’ our body again is to clean up our eating. In no way do I mean turn vegan and raw overnight(however if that is what you want to do then test it out) but if we minimize the use of ‘processed’ items in our fridge therefore on our plates, MAXIMISE the whole real food in our homes we are sure to excited  by the results. I know you’ve heard it before about taking ‘baby steps’ to achieve a goal but seriously there is no other way of putting it simply or succinctly.

This is the baby step approach that has worked for me and lots of other active health conscious mums that I talk to when changing to a healthier lifestyle:

3 loaves of White Bread > 3 loaves of Whole meal Bread > 1 loaf of Whole meal bread > 1 sourdough rye/spelt loaf every fortnight

Store bought ice-creams > Flavored yoghurt > Natural yoghurt with fresh fruit & honey > Natural yoghurt with berries

Sakarta rice flavored rice crackers > Sakarta rice plain crackers> sakarta whole meal plain rice crackers

Cadbury Rocky Road chocolate > Cadbury plain chocolate > Cadbury Dark chocolate > 70% cacao chocolate > make your own chocolate

Yes we go through some withdrawals but anything worth something is worth some discomfort. Keep the baby steps going to achieve better eating habits – quit the diets and trends – keep it real and there is sure to be happiness.


General Advice Disclosure

Sources of this information are considered to be reliable but are not guaranteed. Information published in this article has been prepared for general information purposes only and not as specific advice to any particular 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.

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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Money Worries? Do this to Stop Worrying!

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.

3. "Beware of little expenses. A small leak will sink a great ship" - Benjamin Franklin

Solution: Ensure your entire financial house is in order. Know where everything is, how much you have and upcoming financial expenses.

4. “Alice: Would you tell me, please, which way I ought to go from here?
The Cheshire Cat: That depends a good deal on where you want to get to.
Alice: I don't much care where.
The Cheshire Cat: Then it doesn't much matter which way you go".- Lewis Carroll, Alice in Wonderland

Solution: Rediscover and document your core value. Know where you you want to get to and where you are now. Tailor your activity steps, choices and game plan to achieve your financial goals in alignment with your core values. Then do the work to make it a reality, with small optimizing changes along the way.

5. “Man. Because he sacrifices his health in order to make money. Then he sacrifices money to recuperate his health. And then he is so anxious about the future that he does not enjoy the present; the result being that he does not live in the present or the future; he lives as if he is never going to die, and then dies having never really lived.” -Dalai Lama

Solution: Delegate the activities that others can do better and do only the activities that add value to your life eg. exercise more, invest time in building deeper relationships, study and improve your knowledge, experience more, align your career to your "why". Doing so increases your chance of success simply because you will be happier, more present, have more time and doing more of the activities that directly benefit you.

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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2017 Cairns Business Excellence Awards

15th July 2017 - SMARTadvice Finalist Marketing and Communications Award

Cairns-Chamber-of-Commerce-Awards-2017Peter Horsfield and the team at SMARTadvice are incredibly excited and humbled to have been nominated by their clients and peers for the Marketing and Communications Excellence Award in the 2017 Cairns Chamber of Commerce Business Excellence Awards.

This award recognises organisations that have most effectively capitalised on market opportunities, integrated innovative marketing techniques and driven demonstrable business success.

No matter the outcome Peter, Rosalind and Moiria already feel like winners and are on the right track to provide a service that not only meets, but exceeds client expectations.

Thank you to everyone that nominated SMARTadvice and inspiring us to give you even more value.

SMARTadvice was founded in 2004 as a boutique financial services business with a vison to become a one-stop-shop of for clients.

Peter Horsfield CFP (Certified Financial Planner) and the SMARTadvice team having a combined 60+ years of industry experience and helping people achieve their goals sooner.

In 2014 with improvements in technology, balanced lifestyle aspiration and having world class airport SmartAdvice relocated its head office and team to Cairns and service clients across all Australia and internationally.

More than ever, the financial services industry continues to create confusion and noise in an attempt to gain more of people’s wallet.

SMARTadvice’s message is transparent. We simply help you make smart financial choice based on what’s important to you, and we use a five-step approach to help you make the process as easy and effective for you.

  1. Identify your values.
  2. Set your goals.
  3. Benchmark your current financial reality.
  4. Create your Financial Road Map.
  5. Implement and manage your plan.

If you’ve ever felt overwhelmed by the process of financial planning…if you’ve wondered how to find a financial professional who is both competent and trustworthy…if you know that a strategy would make all the difference to your financial future…if you always suspected you could base your financial plans on something more meaningful than immediate needs and long range financial goals…if you aspire to live your ideal life worry free SMARTadvice and Values Based Financial Planning is for you.



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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