Author Archives: Duncan

Why Are You Settling For Just Comfortable?

Hey Guys. Duncan again from IntelligentInvestingHQ.com.

I was listening to an audio from a mentor of mine, Brendon Burchard and he speak about the three general lifestyles that I guess most of us can find ourselves in. He talks about the Caged lifestyle, the Comfortable lifestyle and the Charged lifestyle. And I really want to discuss really briefly with you and ask the question, are you in that middle one?

The comfortable lifestyle.

A lot of people that I work with are in the comfortable lifestyle. They do not feel caged. It’s not like that they feel “hey I have absolutely no way out”.

They don’t feel trapped. They don’t feel that there’s a set of bars or walls locking them in from possibility.

They’re able to get out. They’ve got a pretty good life. When asked “Hey, how do you find your life?” The reply I often get is, “It’s pretty good” or, “It’s ok, it’s fine, it’s comfortable”

Sometimes you can believe that you’ve got to settle for what they’ve got.

They might have, you know a nice house, nice clothes, they own their own car. They get away on holidays once a year.

But often there’s a need to settle for something, or sacrifice something, or work a little bit longer hours so that they can have an opportunity to do something.

Maybe they’re not really living their full potential. They are well, just comfortable.

Maybe it’s that they don’t feel that there’s a need to change. They’re more in a rut than in a cage.

There is a path that often has been paved for them and they’re sticking between the walls of the rut. And often, your comfortable lifestyle is that you’re in the middle of that rut.

Is that where you are? Are you just settling for what you’ve got?

Are you actually living your true purpose?

This doesn’t mean you need to be fired up, you need to be charged.

You don’t need to be one of those international speakers and presenters that you see on Facebook or on You Tube and running national seminars everywhere with thousands and thousands of people jumping up and down. Or jetting around on private planes to private islands.

It just means that you’re living your purpose. Every day I know I am making a difference.

It could be you’re making a difference just to yourself, to your children, to your family.

I want to challenge you to get out of that just “comfortable” place. Don’t settle for being comfortable. Don’t settle for being just ‘fine’.

Understand what you need to do. And if you don’t understand what you need to do to get out of that comfort, talk to someone. Sometimes it could be a simple conversation. Sometimes it could be allowing yourself to hear your own thought out loud. Sometimes it could be you just talking and have someone say back to you “You know what, you’e just said X and is that what you really mean?”

I hope you can discover your purpose and start living with authenticity and with meaning. I want to make sure that if you choose to explore how to move away from that “just comfortable” lifestyle and discover what else is possible – then email me. Or send me a comment on Facebook. This was YOU can have the chance to actually live the life that you want.

Be Aware of These 6 ‘MYTHS’ & Change Your Results

OK. Be honest now. Is everything in your life perfect? Maybe you’d like to change something. Make it different. Well the cold hard truth is that ALL change – yes every little bit of change starts with YOU.

You can’t become a better investor, build a better wealth platform by investing in ‘things’ without investing in YOURSELF first.

And here are 6 ‘Myths’ if you will that many people find themselves trapped in. If you at least become AWARE of these you have the choice to CHANGE your results. But only if you make a conscious decision to do so.

One of the most important steps you can take along your road to financial independence is a change in your mindset, your way of thinking.

This must happen before anything else happens because most of us were programmed to fail in our early childhood.

Much of what we know about money is based on false assumptions because we’ve been taught a range of myths and misconceptions about what it takes to create wealth.

Most Australian’s were taught to think “poorly” by their parents, teachers and the media. And they just take for granted what they were told in much the same way as others assumed the world was flat. As a consequence only a small percentage of Australia’s join the ranks of the wealthy.

How can they? They are building their foundation of wealth on a shaky groundwork.

Let’s have a look at some of the false assumptions you may have been taught.

A good job will make you wealthy

Many of us were taught to get an education, find a good job and work hard at it. But this rarely leads to wealth. You become rich when small efforts produce large results. Poverty is when large efforts produce small results.

You should see a job as a temporary inconvenience, a method of generating cashflow for living expenses while you grow your property portfolio, which will eventually become your source of financial independence.

Saving is good

How many millionaires do you know who became wealthy by saving their money? Don’t get me wrong – saving is a required discipline when you begin your investment journey because you need to save your funds to develop a big enough kitty to invest in growth assets, but you can’t save your way to wealth.

Debt is bad

While there is some truth to this, it depends on what kind of debt you are talking about. Consumer debt is bad, so avoid borrowing money to buy things that go down in value. But borrowing money to invest is another story. You can not become wealthy without some form of investment debt. Borrowing to purchase investment properties is a wise use of investment debt.

Failure is bad

I have had my share of failures and mistakes and I used to be ashamed of them, until I realised that failure is a part of success. A very important part.

If you develop a positive mental attitude about failure you can learn a great deal from it. One of my early mentors had gone broke three times before he became one of Australia’s most successful property developers. In fact, I don’t know any successful people who have not risen to the top without some failures.

Successful people often have more failure than failures do. But they keep going. Failure is not bad. In fact, one good failure can teach you more about success than years of studying at university. Failing can be the best thing that ever happened to you

Wealth is measured by material possessions

It took me many years to realise that wealth is much more than money. Money is just one of the appearances of wealth, which is really a state of mind, an attitude. Wealth is your thoughts, not your things. You can become wealthy without having lots of money and you can be rich yet not wealthy.

Abundance not scarcity

Successful investors have a feeling of abundance, while many Australians have a scarcity mindset. They see wealth as a win/lose game. A dirty business in which the rich take advantage of the poor. That’s why they have come up with the expressions such as “filthy rich” or “dirty money”.

The truth is, whatever amount you get has nothing to do with how much or how little anybody else has. It never has and it never will. Those with an abundant mindset believe they don’t have to steal from your pile in order to get create a larger pile for themselves. Your wealth is in addition to and not in subtraction to anybody. Unless you truly believe this you will always suffer from wealth inhibition.

The sad reality of life is that because of their programming many people assume that wealth is the result of luck, connections or inheritance. The last thing they want to hear is the plain truth that the rich think differently from the average Australian, or that they have a different mindset and different expectations when it comes to money.

How do you develop a wealthy mindset?

The first step is to understand how your programming as a child has caused you to make certain assumptions that have now become your reality – the way you filter what comes into your mind from the outside world.

Then you need to model wealthy people who have gone before you and done what you want to do. Look at successful investors and study what they do, how they behave and how they think, and then do the same.

And guess what? By taking this approach you can often repeat their success.

3 Celebreties Who Went Bankrupt – And The Lessons You Can Learn

There is sometimes the perception that ‘celebs’ have got it all sorted. Well – this is few and far between. Whilst I am going to give you just 3 examples below – I realise that you have probably heard some of this before. And of course the ‘countless’ stories of those who have won the ‘Lotto only to blow their millions (and indeed their health and relationships) in a very short time period.

Read what happened – but most importantly learn from the lessons I’ve provided.

1. Donald Trump

“The Donald” and his different corporate entities have filed for bankruptcy four times: in 1991, 1992, 2004, and 2009. Each instance was a corporate and not a personal bankruptcy, which is often described as being the “restructuring of debt” and not going broke. But the fact remains that businesses associated with his name have needed financial assistance four times in the past two decades.

In exchange for getting some of these bankruptcies approved, Trump had to give up Trump Airlines, a mega-yacht, and an almost 50% stake in the Grand Hyatt Hotel. But even after all those filings, Trump currently has an estimated fortune greater than $2.7 billion, as he keeps his personal money separate from his business money.

Your Takeaway Lesson: If you are running a business, creating lifestyle options through assets and investing, you may want to establish yourself as a corporation. This way you can separate business funds from personal funds, and also limit your liability should your business start to falter.

2. Michael Jackson

Even before his death in 2009, the King of Pop was recognised as the most successful entertainer of all time by the “Guinness Book of World Records.” But in 2007, Jackson filed for bankruptcy after not being able to pay back a $25 million loan on his home, Neverland Ranch.

Neverland, purchased in 1988 for the price of $17 million, had grounds containing a zoo, an amusement park, a movie theater, a railroad line, helicopter pads, and its own fire department. It reportedly cost more than $10 million dollars a year to maintain, and Jackson was well-known for his shopping sprees, including a $6 million trip recorded for the documentary “Living With Michael Jackson.”

Even after signing a nearly $1 billion recording contract in 1991 and selling more than 750 million records, Jackson had just 0.05% of his net worth in accessible cash, which left him no option but to file for bankruptcy.

Your Takeaway Lesson: No matter your income or personal net worth, you cannot overextend yourself by taking on more debt or financing a grander lifestyle than you can afford.

3. Gary Coleman

Star of the TV program “Diff’rent Strokes,” Gary Coleman had to file for bankruptcy in 1999 after his parents and manager spent the majority of his money. Coleman had amassed $8 million in trust funds during his career as a young actor, but eventually discovered he had just $200,000 in cash to his own name.

His ongoing medical issues did not help his financial situation either, and Coleman died in 2010 after many years of financial difficulties.

Your Takeaway Lesson: It’s not what you make – but what you keep. It’s a dangerous gamble to not be educated or involved in managing your finances.

How Does This Happen?

The Number #1 Reason These Celebrities (and everyday people) commonly file for bankruptcy:

Lack of a Financial Education

Often, when you go from having nothing to having everything, a financial education is not part of the package. Learning how to save, budget, and invest can take years, and if you’ve never had substantial money before, you may never have learned these essential financial management skills. When handed huge checks to cash, many celebs go out and buy the biggest house and fastest car they can find, rather than learning how to properly handle their money.

Don’t Let This Me You. It’s Worth Checking That You Do ‘Have All Your Finances In Order’. I Promise To Give Your Finance & Investing Situation the ‘Once Over’ For FREE.

CLICK HERE TO BOOK IN ONE OF SIX AVAILABE POSITIONS FOR A LIVE CALL AT A TIME THAT SUITS YOU

Investing must be rational; If you don’t understand it – Do It Anyway

Have I got your attention. The title is close – and I want to explain in some more detail exactly what I mean.

Whilst ‘knowing what you are doing’ may sound pretty obvious, have you ever invested (or made another non-finance based decision) where you didn’t fully understand what was happening?

I know I have.

I’m not saying you need to understand the intricate DETAILS of every decision you make. But you really should understand the following:

What is the end-state or result I want to experience from this investment.
What is the preferred scenario or outcome?
What is the least preferred or worse case scenario? How can I mitigate this? Am I still OK with this.
What other options are out there?

I don’t believe the saying of “If you doesn’t understand something, don’t invest in it.” But rather:

Because there are so many variables that can help you out. Some of my investments achieve great cashflow results. Sometimes up to nearly 20%pa. I used a variety of investment types to achieve that.

And I leverage from specialists in other fields. Now I don’t understand the DETAILS in how they assess and position certain deals. But I DO understand the process, the pros and cons.

I continually measure and track the results and therefore I get a better and better understanding.

If you wait to be an expert in everything before you acted (especially in the world of investing) then you may be waiting a very long time.

The BEST results I’ve achieved has been receiving guidance from people who knew more than me. People who had got ‘runs on the board’ and ‘walked their talk’. And sometimes I just needed a ‘sounding board’ of a Mentor to ensure I was still on track.

If You Don’t Know This You Shouldn’t Own Investments

Hi Everyone – One of the key considerations that you have when you invest is what entity or ownership is going to earn the investment. And this is so important because if you don’t know the ownership structure at the very start, in fact before you even acquire the asset, then you may well be in for some FINANCIAL and LEGAL pain in the future.

That ownership structure is essential to understanding:

the ongoing financial flow,
the cash flow disbursement,
and when the time comes to sell, where the profit is going to go.

So you need to start with the end in mind, you need to give some serious consideration to what kind of ownership or entity structures are you going to take when you acquire an asset.

And the two main ones are:

in your own name or
in a company trust structure.

So in your own name you’re obviously doing it your own name and it’s individual. The other option from what you would call a live person, is doing it in partnership or joint.

Joint is when the ownership is done up 50/50. So it’s literally a 50/50 split right down the middle. The ownership is 50/50 the cash flow is 50/50, you can’t change it, you can’t modify it and the other thing is that if a part does touch wood or something happens like that, then the ownership of the person that is not around passes automatically to the other party. So the other party automatically gets their other 50 percent.

One of the other ‘partnership’ options is Tenants-In-Common. Tenants in common is more often utilised for real estate deals be they residential or commercial.

And tenants in common means that you can change the percentage ownership apportionment (at the start). So instead of it being 50/50 it could be 60/40, it could be 80/20, it could be 99/1.

Again, you can’t keep changing it, but you don’t have to do straight 50/50. And again that has some great benefits for both short term cash flow, as well as long term asset value or growth, depending on how you have that structured.

The other interesting thing from an estate planning perspective is with tenancy in common, if something happens to one party, their percentage ownership does not automatically go to the other person. Their percentage ownership actually goes back into their estate and the person managing their estate will then determine what happens with that asset.

The second key ownership or entity structure is company and trust. And again in companies and trust, you can either invest solely with just the company.

However my preference and I think one of the better ways you can do it is you use a trust with a company as a corporate trustee.

The most common trusts are discretionary trusts, a units trust an occasionally you see some hybrid trusts kicking around. Hybrid trusts I reckon are a little bit dodgy, I really wouldn’t touch them with a forty foot barge pole. They really really skate right on the line of tax avoidance and a few other things that aren’t quite kosher.

But discretionary trusts are great, they’re often called family trusts as well. You can then, as the name suggests, use your discretion on how you change it how you manage it, where the cash flow goes, how the ownership’s done. And this can largely be adjusted whenever you want. There are a couple of rules around that which you need to know about.

Unit trusts are also great for assigning ownership. There’s a little bit less flexibility than with discretionary trusts but Unit Trusts are often a good idea when you’re looking at business structures, developments, those kinds of things.

So look, its really important that you understand how to buy and acquire assets. You’ve got to know what your structure, what your entity ownership rules are.

You must, must, must know that right from the word go.

There’s some great content out there. Check out the other blogs and information on this site. It is there to assist and guide you in your investing journey.

Take it easy guys, talk to you soon. Bye now.

What I learned From The Kid’s School Parade

You know some pretty powerful tools coming out for the Leadership Investiture Parade at the Kid’s School earlier on and I’d love to share these with you.

So I was at the School Leadership Investiture Parade where they’re giving all the kids their leadership awards. House captions, the sports captains, the school captains, the student counselor reps, etc.

And two clear messages came out from the kids. Two messages were coming out from children aged between 9 and 12. And it was the same message over and over again. And I believe as adults there is much we should be able to learn from these two messages.

The first one was:

if you want to learn to do something better go and ask someone who’s already done it.

Pretty obvious right?? And as the kids said “Why would I take so much time to figure all that by myself when there are so many people around me who’ve already done it. I don’t need to try and fix all that myself. I can go and learn from somebody who’s already had the results…”

Someone who can show me how to avoid the mistakes that they made and someone who can show me the successes in which they had.

Now that can apply to all of us. Why would we go and try and do something for ourselves or reinvent the wheel when we KNOW know someone else has already achieved that time and time and time again?

Yet so many people as they get older simply flat out refuse to get advice or support from someone else. We encourage our children to be coached, to be taught and to ask questions. So when as adults did we decide it was no longer acceptable to improve ourselves????

The second message that kept popping up was that of getting out and giving it a go. And again when we consider our finances and investments we look at how to leverage our situation.

One of the common concerns or drama’s people have is the fear of making a mistake – and it gets to the point that they take no action. And as the kids were saying:

the biggest fears out there are the ones where your regret that you wish you did something.

Not that you gave it a go and it didn’t work out, but you didn’t even give it a chance. So again, how many of you are sitting out back and going “You know what, I know I can do something better with my life. I know I can give my children opportunity. I know I can live the lifestyle that I want to live, but guess what? I’m not even going to give it a go.”

Now – what is the worst that can happen? You’re already in one position now. Your current position. You already know how to do what you’re doing right now.

So at least give yourself a chance to do something else, ok.

So thank you.

Thank you to our wonderful children that continue to inspire us as adults. The wonderful children that don’t have this preconceived baggage and issues. And shared two very powerful powerful messages.

If you want to get somewhere in life, go and hang out with someone that’s been there and has done it before and learn from them. Save yourself so much time and effort and

secondly, give it a go. Never live your life with regrets because you never even had a chance.

How To Invest On A Single Income

This may be relevant to some of you wanting to know how you can invest on a single income.

Maybe you are dropping from two incomes to one. Maybe you are changing jobs soon and only have the one income for a period of time.

Or maybe…it’s just you!! And you need to understand what your options are. Hope this helps.

If you have any questions at all – just click on this link to book a time for a call and we can work on a solution.

Do You Measure Investment Return In Percentage or Dollars?

Hey the new, revised LIFETIME online investment course is available. And congrats to those who are already getting into it and making HUGE financial changes. It’s an excellent way to get a good grip on your current financial and investment position.

Start articulating what you want, what the results are. You’ll get to go through different types of investment strategies, different types of investment opportunities, what they look like, how you measure them and then make sure you’re set up to getting great results.

But as a bit of a teaser as to one of the key measurement tools that I want to share with you.

this is to do with percentage versus dollars.

And what do I mean by that? I mean that when we measure our financial returns, you can measure it essentially in two different ways. You measure it by actual dollars as in what is the thousands or hundreds of dollars or tens of thousands or hundreds of thousands dollars profit that you’ve made. The same happens with loss.

Or you can measure it as a percentage. Has it increased by 1.2%? Has it increased by 5%? Has it decreased by 4%? And here’s the big point of differentiation I want you to be very aware of.

And it’s a bit of a psychological shift. So many people when they measure loss, they measure loss in dollar terms. When people talk about profit, they measure it in percentage terms.

I would suggest that you would need to do both in both scenarios. And what happens is as human beings we’re far more focused around our fear of loss, around our fear of missing out a fear of pain, of making mistakes. So when we look at any financial losses we make, we don’t say “Oh, I’ve lost 4.7 percent” . Its “I’ve lost $47,000 dollars”.

Because $47,000 dollars is a real tangible number. Its something you can understand but also something that you can definitely talk to other people about. You can put it in context because $47,000 dollars represents something. $47,000 dollars represents your new car, $47,000 dollars represents a substantial decrease in your home loan. $47,000 dollars can represent many many years of education costs for your children. $47,000 dollars is real, its tangible, its measurable.

But if you said to someone else “Hey, I’ve lost 4.7% ” 4.7% of what? Now its just a percentage. Yet often for so many investors that I talk with, they share with me that much of their investment decisions are based on percentage return. “I like this one because it gives me 4.7%”. “This one gives me 5.5%”. “I think I’ll get a better return over here because I’m making 2.3% over here, whereas I’m making 13% over there”.

But again, how about you refer to this in exact dollar amounts.

Because when you actually talk in dollar terms, it’s easier to really grasp the difference between $550 dollars and $900 dollars. Therefore are you changing investment decisions to increase your return by a couple of hundred bucks. To determine if this is important I suggest you need to make sure that you’re measuring profit in real tangible numbers.

Then you can understand, as part of your goal setting, how those actual dollar figures link back into the results that you want. That is why using things like the “Reverse Investment Analysis Method” (taught in the Online Program) is so powerful, because it allows you to absolutely directly align your goals and your results with dollar values and not just with percentage.

So my parting message for you is don’t get caught up in analysing everything with percentages only. Or in dollar terms only.

If you’re going to use dollar terms for losses, make sure you use percentages as well. It helps you measure and articulate and compare different types of investments. And when you look at profits, make sure you don’t just measure in percentage. But you also talk in specific, measurable and definable dollar amounts.

The Biggest Demographic Change In History – Are You Prepared?

OK Peeps – this is a very important post. And I IMPLORE YOU to please take 3 minutes to read it.

There are some MASSIVE changes coming through the economic world. Yep – this will impact little ‘ole Australia as well. So you NEED to be prepared. Well you don’t have to be prepared. You can continue in ignorant bliss if you like. But if not – read on.

We are currently living through the biggest demographic change in history – which will hurt economic growth for generations. And we will need to adjust. YOU will need to adjust.

For the first time in human history, we are arriving at “peak youth”. This is where the number of people over the age of 30 outnumber those who are under the age of 30. And the number of people who are 65 or older are likely going to outnumber children under 5 years of age by 2020.

This has never before happened in history.

So what does this mean? Well quite simply there are less ‘working’ people – which means less taxes for the government than there are / will be non-working people.

This will make governmental support over the coming decades near impossible. Therefore you must raise your FINANCIAL IQ and get help to ensure YOU ARE PREPARED.

This global shift in age demographics will affect GDP (Gross Domestic Product) growth in countries all over the world. That’s because the global workforce will shrink as a higher percentage of the population is past working age. Fewer workers is a major cause of lower productivity and slower GDP growth.

** Now on a side note – this is just PART of the reason why Australia is reviewing the age for compulsory retirement and also options to review the use of Superannuation funds. This will be clearer later.

Global life expectancy is expected to reach 77.1 years by 2050, compared with 48 years in 1950. That means over a period of 100 years, life expectancy will have climbed by 29 years, or 60 percent. The global population of those 60+ years is expected to grow to 2.1 billion, compared with 901 million today. That is about a 130% increase. More than DOUBLE.

One way to look at the impact this will have on global economies is through something called a support ratio. A country’s support ratio is the ratio of its working age population (15-64 years) to its old-age population (65+ years). It reflects how many workers “support” older people – via an economy’s social support system.

** Again – another prime example why you need to look after and take control of your OWN financial support system. ‘Cause I can guarantee that what is around now in the form of government sponsored social systems will NOT be around in 20, or even 10 years time.

The global support ratio has steadily fallen, from 12:1 in 1950, to 8:1 in 2013. In developed economies it stood at 4:1 in 2013. Meanwhile, fewer new workers are entering the workforce. Simply because there is not the younger people around to do so anymore. The support ratio in developed economies is expected to fall to just 2:1 by 2050.

Management consultants McKinsey & Company suggest that average global economic growth will fall to 2.1 percent over the next 50 years, compared to 3.5 percent in the previous 50 years.

During that time (the previous 50 years), growth in productivity and labour contributed roughly equally to economic growth. But they forecast that labour growth will nearly vanish as a source of economic growth, as shown in the figure below.

So what does this mean?

Here are a few points that I take from these startling facts:

a. There will be more ‘baby-boomers’ (people aged 60+) over the next 2 decades than there are aged 5 years or younger. This means there will be a significantly reduced ‘work-force’ for developing countries to tax and derive income to provide government sponsored social support programs.

b. It is more apparent now and will increasingly be so, that every individual MUST expand their financial knowledge and take control of their own financial future. The way it has been done in the past, by your parents and your parent’s parents are now NULL and VOID.

c. Failure to develop an investing mindset combined with an investment strategy (different from a traditional financial plan) will lead you to suffer from what the globe will throw at you.

d. Finally, the times of good and higher level ‘growth’ in traditional assets will slow. And this will be normal. Hence you may want to consider alternate options, get educated and embrace strategic decisions and ignore the desire for the ‘fast-buck’.

Is there an answer? Sure there is.

Develop Your Own, Personalised Finance & Investment Strategy. If You Don’t Have One (or Know How To Even Start) Then Team Up With Someone Who Can Help You. The cost to do nothing is 100x greater.
If you are basing your future ‘profits’ from equity or growth alone – maybe adjust your targets slightly. ALSO have an alternate plan or understand how a slow-down may affect you.
Finally – look at short-term (say 2-4 year) measures for alternate income generation. As inflation will slow along with growth, cash returns will be at an all-time low. Most are currently sub-3%pa. Expect this to be below 2% – that means in the 1%’s per annum. You need something that can get you at least 8-10%pa or more.

There are plenty of options at www.DuncanBuchanan.com where you can avoid these problems and set yourself up for financial & lifestyle success. Or just call / email and ask. Never hurt anyone by just asking eh!

It’s Completely Up To You!!

Business & Lifestyle Flow

Being in FLOW is all about the “Path of Least Resistance”. And I think you must be clear in the language used here. “Least Resistance”.

There is nothing here that says “No Resistance”. But ‘least’ resistance. When we are in FLOW we are operating at our optimal level. We are enjoying the moment.

Being in Flow, is sometimes referred to as being in ‘the zone’. This can be the mental state of operation in which a person performing an activity is fully immersed in a feeling of energised focus, full involvement, and enjoyment in the process of the activity. Basically you are completely absorbed in what you are doing. And enjoying the process as you go.

Can you remember the last time you were in FLOW?

Imagine a river. Yes it flows. But are there river banks that guide it?

There is a gradient so the river knows where to flow? And there are also trees, rocks and other obstacles in it’s path.

There will always be resistance and obstacles in the choices we make. Flow is NOT effortless. However you want to make it as smooth as possible. There are still bumps and turns. Ups and downs.

Do what you are good at – what almost comes naturally. Remain in your genius – your flow. And outsource the rest.

“The best moments in our lives are not the passive, receptive, relaxing times… The best moments usually occur if a person’s body or mind is stretched to its limits in a voluntary effort to accomplish something difficult and worthwhile.” ~ Mihaly Csikszentmihalyi

And bottom line – CELEBRATE the small wins. Be kind to yourself.

Would you like to learn more about the specific types of INVESTING FLOWS and how you can align the types of investments you make with your own personal “investing flow”? If you would and you are prepared to make some time – check out this recording of a training I provided my private 1:1 clients with.

WATCH IT BY CLICKING THIS LINK

You may come back to this and watch the different sections again as I can assure you, every time you watch it and listen to the outline you will learn more and more every time.

Duncan Buchanan

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