Category Archives: History

Doom, I’m Not Feeling It

So, we have a new president of the United States of America. Doom is everywhere.

All forms of media are alive with  predictions of the future;

  • World War Three
  • Discrimination out of control for women and ethnic groups
  • Plummeting stock markets
  • Another global financial crisis

And on and on it goes. The media frenzy adding momentum to it all.

You know what…..

I’m not feeling it.

This feeling of doom and gloom.

Maybe I am ignorant, uneducated, uninformed, dispassionate to the plight of others. I don’t think so.

We all create our own realities.

Some consume everything that is fed to them. What they consume feeds their reality of how the world is.

It works the same way as how your body reacts to the food you eat in relation to the energy you use. Physical and mental balance.

The things you learn, read about and the people you mix with all shape the way you think.

Take charge of yourselves people.

The fact that we have a new president in a country that has huge diversity and power does not mean that your life is going to be all downhill from now on. One man or woman is not going to make all the difference. Bigger things are at play.

If you want to be a victim, follow the masses and keep gorging yourselves on the abundant negative information that is available, go ahead change nothing, feel the Doom.

If you want to create something positive out of this life, start fighting for it.

The biggest fight of your life is the one that goes on in your head.

Changing the way you think, your belief systems, your reality. It’s a battlefield with no rules. Challenges come at you from every direction. You need to decide to run, fight or avoid things that influence the way you think and react.

Do you want to learn the secret of feeling positive? It is so simple you would not believe it.

Take positive action and keep taking it until it becomes a habit.

Control your life. Listen to the voices in your head. If you don’t like what they are saying, change what you do. What you have done in the past is what put those thoughts in your head. Replace them with thoughts that help you become the person you would rather be.

Over the next ten years, it is highly likely the world is going to change faster than ever before in the history of mankind. We will hear about and see things we can’t even imagine right now.

With change comes opportunity.

Opportunity is there for the taking. Most of the time it passes us by because we are too focused on the distractions bombarding us through various media. We’re not looking for it. If we do happen to see a glimpse of an opportunity, we are not prepared and it's gone before we can act.

You need to keep learning useful skills, test your belief system and check your values are still current. Skills like;

  • Survival, obviously, the number one skill. If you are dead nothing else matters to you personally, in this world anyway.
  • Skills surrounding your legacy, your family, things you are creating, those skills are right up there near the top of your priorities.
  • Leadership skills will help you leverage from others what you are creating, speed things up, get it done fast and help you keep building your life, your legacy.
  • Thinking skills together with a belief system that what you think is a good thing, is possible and you can make it happen. These skills need constant nourishment and attention. You can do this by spending as much time with others on the same journey as possible.

Think way bigger than you are now because chances are you are not achieving anything like what you are capable of. Broaden your horizons.

Get comfortable with feeling uncomfortable. You will not thrive and may not survive in your comfort zone.

If you need to generate portable income so you can choose where to live try learning this by clicking here

If you need to get away from the plague, ocean sailing skills and all that compliments those skills, like coping with seasickness would be handy to have, right?

On the wall beside my desk, I have a reminder to myself. It simply says;

“Change Fast, Stuff Happens, Deal With It”

So, I make no apologies that I’m not feeling the doom and gloom my Facebook feeds are communicating to me.

Yes, the world will no doubt change fast and I welcome that with my eyes wide open for the opportunity to help those that need what I can offer.

Some of the skills I have learnt here will help me and my legacy survive and prosper. They could help you too.

Take charge of your life.

Maybe this will help you change fast, click here.

Creator or Consumer?

Creators and consumers.Pretty women creator

Which one are you?

We are all both of course, just in varying percentages.

Do you spend most of your time creating something useful for others, helping make their lives better, or do you consume whatever is put in front of you to make your own life better?

I’m going to take a punt that those who consume to make their lives better are not as happy as those that create to make other people’s lives better.

Just a gut feeling, no scientific research, no evidence, it’s just a hunch based on my observations and reality. That’s enough for me.

If you focus on what other people need and have the ability to create something to fill that need, you’ll feel good about that for a very long time.

Think back to when you created something for others that made you and them feel good. I bet the memory is still clear in your mind and brings a wee grin to your face.

If you, on the other hand, are a consumer, the sort of person thinking about what will make you happy and you are constantly searching for that thing, think you’ve found it, and consume it, how long are you happy for? Not very long from my past experience. That thing can often have a reverse effect when it needs maintaining or is harder to use than the sales blurb led you to believe. So you move on to the next thing that you think will make you happy. It gets worse if those things start to accumulate, cluttering your life, robbing you of time.

Consumers look at their needs and wants.

Creators look at other people’s needs and wants.

Obviously, we are all consumers. We need to consume to exist. Good food, clean water, shelter from the elements.

Over and above the necessities, we make choices, based on what our comfort threshold is. Health, wealth and happiness are huge driving forces, savvy marketers are always targeting us. So we consume huge amounts of what we want, but don’t necessarily need.

Not all of us are creators.


Because it is much easier to consume in our spare time, than it is to create.

We follow what other people suggest, rather than taking the lead and problem solving.Man Couch PC

We waste huge amounts of time on our devices, watching movies or flicking through what others have found interesting, things that have pushed their emotional buttons. This gives us a sense of community. The majority of us are not creating any content of value, just consuming and sharing what the minority are creating.

We should or could create a lot more than we do, make it a habit, a normal part of our life. if we did, there is a very good chance this day and age we will stumble across something that others want so much, a business can be built around it. Hobbies can become thriving businesses. Just sharing our knowledge in the right way can create other income streams.

Knowing what other people want is fundamental to success.

Why aren’t more of us creating stuff that makes other people’s quality of life better?

Because the opportunities for creating income that exists today, didn’t exist when we went to school or university and most of us only learnt one way of making money. Get a good job they said.

We never learnt that creating things of value or investing part of what we earned in other people’s creative endeavours was vitally important to get ahead in life.

We got busy in our jobs and consuming things that give us a quick sugar like happy that didn’t last and robbed us of time.

We got too busy to continue our education, an education that would have opened our eyes to the multitude of opportunities available today to create automated recurring income.

We work in jobs that literally kill our creativeness with systemised routines. If it can be systemised it can be automated. If it can be automated, a machine or electronic system can do it.

Is your job on the line? Something for a post another day.

The creators have in the past and will be in the future, the ones with the rich life.

Start creating. Monetize and automate your creation. There are no good excuses these days, it’s easy to learn how.

The world is a different place, it’s changing fast. Change creates opportunity, but you have to use to new tools available to seize those opportunities and change what you do with your spare time.

Don’t believe you can do it? It is easier than you think.

Google “how to make money on Youtube”. Also have a look at what the top earners are getting.

Start your education.

Start creating.

Need for Speed

I stand here, tapping away on my keyboard, sweating like a gold medallist who has just one their race of a lifetime.


I’ll tell you why later.

I’ve always had this need for speed.Need for speed

My life is littered with friendly reminders from the authorities to slow down. They are right of course. There is nothing more irresponsible than speeding on public roads with the multitudes of events that could conspire to cause injury and heartache in the blink of an eye.

It doesn’t alter the fact I still need to go fast. I just have to keep within the law to fulfil this need.

It is ironic on so many levels that I have this desire to go fast whenever operating vehicles and boats or yachts. Ironic because from an early age, I have always considered myself slow with regard to school, reading, writing and thinking of something clever to reply to a put-down.

You know what? I DON’T GIVE A BIG RATS……

Slow and Fast are such relative words anyway. There is always someone faster. You can bet your bottom dollar there is someone slower. Sometimes it just doesn’t feel that way.

It doesn’t matter how fast or slow you are relative to someone else. What matters is that you are moving towards what it is you want for your future goals and dreams.

Saying things like “I’m too old to achieve that” is probably just negative talk based on your current speed and skills. When you repeat something time and time again, you get faster. All of a sudden your horizons expand.

It used to take me ages to update the themes and plugins on my websites. Nowadays, not more than ten minutes. I’ve learned to open each site back end in a different tab, start an update, then move on to the next tab/site while the system is doing the work on the previous site.

My point is, don’t restrict your horizon of possibilities for your life based on the speed you are working at now or when you start something new. Think bigger. You might be surprised how close you get.

I have always had this need for speed and yet it does not translate into my ability to create an online business.


Too much baggage. Probably from as far back as my school days. Things were said that I can hardly remember, labels attached that allowed my mum to fight for one on one tuition.

That helped.

It wasn’t all bad being labelled mildly dyslectic. Mrs Shelton new more about alternative learning methods than most. I went from starting high school [3rd form/year nine] with a reading and writing ability of kids in the primers [year three] to passing school certificate in three subjects. The navy taught me more about reading, writing and maths than school ever did.

I wasn’t going to talk about this [eh Stephany]. What did I say, the time wasn’t right? The time is never right.

The person I was then is not the person I am now. So there, I said it. I was labelled Dyslectic. It doesn’t matter.

So why am I standing here sweating, as I punch out this insight into who I am?

For six months now, I’ve been searching for a Stand Up Paddleboard (SUP), one that represented good value for money and is relatively fast.

A couple of weeks ago I purchased one and got on it for the first time. It was hilarious, trying to balance, doing a close impersonation of the Elvis Presley’s knee wobble. I worked out the basics and made a slow voyage through the canals.

I ‘ve now been out five times.

This time, it all came together and I had an excellent cardio workout. I was in the zone and focussed.

The wonderful sound of the bow wave peeling away as I pushed myself harder and harder, trying to perfect my style, using the right muscles.

I feel inspired, motivated and keen to get the other things on my “To Do List” for today done.

When the idea for this blog post popped into my head, I knew I had to do it right then and there. So here you have it.

The world is speeding up. It is changing fast.

I know that if I don’t change the way I survive and improve our current situation fast enough, we will end up uncomfortable and wanting for the basics with few choices.

I decided today to push myself to another level of discomfort and really focus on what matters most.

I am going to include my inherent need for speed into setting up my online business. I will improve the systems I’m incorporating into my life and focus, get in the zone.

Watch this space I’ll let you know when I’m ready to launch.

Let’s see how many of you like boats and boating.

What sort of boating lifestyle would you like if you knew how to fund it?

Leave a comment, anyone can.


Learning to Sail – Again

At this stage in my life, it feels like I’m learning to sail again.

I’m relatively good at sailing and boat handling. Boats have been my passion for a long time now.

I didn’t get competent with boats overnight.

Learning what I know now has been a perpetual series of events, some good some bad.

At the age of nine, I got to progress from playing with boat’s in the bath and mucking around in row boats, to start actually learning to sail.

My parents scraped together enough for a P-Class yacht, called “Pele”. The P-Class was a light weight 2.13 metre (7 foot) long hull with a tiny cockpit, large watertight compartments, together with a relatively large sail area. No matter which way up it was, the hull always floated high in the water.

The learning curve from this popular sailing dinghy was close to vertical from day one.

Learning how to rig the yacht was the first hurdle. I practiced at home when it was obvious I was taking three times as long to rig the boat as everyone else, missing the start of races.

WhenDoc - 11 Mar 2016, 7-23 am - p1 the yacht was rigged in our back yard, I’d visualise and practice stacking out, imagining a gust of wind trying to tip me out.

There is no faster way to learn sailing than to get out on the water, ideally with a club coach giving good advice. Club coaches are seldom available on race days with a large fleet to attend.

Mistakes were made.

At the very beginning, we also got some advice from the wrong people.

A salesman who knew nothing about dinghy sailing, sold us an offshore Kapok life jacket with all the buoyancy in the front and a large collar to keep my head above water. Apparently I needed this because the boom was likely to knock me out.

An old sales technique, create the fear and solve the problem. This became the obvious choice for nervous parents. Totally the wrong buoyancy aid for a wee dinghy sailor.

It must have been hilarious for those arrogant parents watching back in the clubhouse, making snide remarks within earshot of my parents, as the large collar of the lifejacket, hooked up on the mainsheet when I tried to get under the boom. This damn collar totally disrupted the flow of what I had visualised as a well-executed tack. The reality was another dunking.

This lifejacket with the large buoyant chest area effectively made my arms too short. I couldn’t reach the centreboard to lever “Pele” back upright after the yacht had turned completely upside down. Even with help to get the yacht back upright, the lifejacket made it impossible to climb back on board, prolonging my drift down the harbour.

A new sailing vest fixed that problem.

Beware of bad advice, from the wrong person, it equals wasted money.

There was one occasion when near catastrophe struck. It seemed like the end of my sailing for some time afterwards.Doc - 11 Mar 2016, 7-30 am - p1

I learned rigging the mast correctly is very important.

A small kink in the port shroud, the stainless steel wire that holds the mast up, went unnoticed. I sailed off from the launching ramp with the wind on my right shoulder.

To get to the start line I needed to tack to port. The manoeuvre went well. I was feeling confident.

A gust of wind threatened to tip me out, I stacked out to counter the additional weight in the sail, then in the blink of an eye, the mast and sail came crashing down, lying flat in the water beside the yacht.

What just happened?

What’s going to happen now?

I was still quite close to the shore, drifting toward a large boulder bank. I saved “Pele” from those rocks by jumping over the side, using my body as a fender.

Always look up when working rigging up the mast. I taught this rule to many people later in life.

The season ended before I learnt enough to compete in more than a couple of races.

It was all a bit of a blur to me, one lesson after another. Quitting never occurred to me.Doc - 11 Mar 2016, 8-32 am - p1

For my sponsors [my parents] the financial and time commitments were tough, the people they mixed with while I was busy learning, not their type. That winter the “Pele” the P-Class was sold.

I learnt that being a sailor was more than just getting into a yacht and pointing it in the direction you wanted to go. A whole raft of skills surrounds sailing.

My parents negotiated acceptance into the local Sea Cadet unit, TS DIOMEDE, a year younger than normal. I was age 11.

Learning to sail with Sea Cadets and mucking around in various rowing, sailing and motor boats most weekends gave me skills I never really valued until later in life.

Sea sense, spatial awareness, time on distance relative to speed and course, communication, systems and routines, teamwork and maintenance.

By the time I left Sea Cadets I knew how to sail fast.

In preparation for the northern area regatta, we stripped and painted the race yacht over the winter months. We studied the race rules, knots, and tactics and practiced on the water. My crew proudly beat the hotshot ring in “Chris Dixon” in a series of picture perfect races off one tree point, Whangarei Harbour.

I developed solid foundations for future learning about boats, seamanship and leadership over the seven years with sea cadets.

I am now passionate about building an online income. This is why I feel like I’m learning to sail again:

  • Learning how to rig the yacht = building a WordPress website.
  • Visualizing sailing upright = imagining the appearance of the site.
  • Club Coach = Internet income mentor.
  • Advice from non-sailor salesmen wasted time and money = Advice from people who are not making money online, wasted time and money.
  • Always look up when rigging the mast = Always check the back end settings of your website.
  • Losing your mast over the side = Having your money making website server hacked.
  • Maintaining the hull and rigging = Keeping the themes and plugins up to date.
  • A whole raft of skills surround sailing fast = A whole raft of skills surround creating a money-making website.
  • Planning, sanding/painting, practicing skills, winning races = Planning, preparation, creating and building, attracting income.

As you get on in life and try to learn something new, I believe it helps to draw on your past experiences that led to success. Older people have this advantage over those just starting out. They know that learning new skills is going have a large component of failures and perceived disasters. That’s okay.

Sticking with your passion and working through the good and the bad will eventually get you to the point where you can make a living from your knowledge and skills.

When you look back, the successes and failures will blend together into the stories you tell of your journey.

If you push hard to achieve your goals, it will all seem like a bit of a blur when you look back.

What can you relate back to, that fuels your current goals?

Leave a comment.

Have a Plan – So you can change it.


Survey ships and boats
Survey ships and boats

Having a plan that you can change is so important.

If your plan is not flexible enough to cope with change, it probably isn’t a very good plan.

Back in the day when I was hydrographic surveying, we would be presented wit h “Daily  Orders”. A carefully devised plan created by the operations officer Warrant officer or executive officer.

As hydrographers we learnt to be flexible around these plans, knowing that by 10:00 am we would usually be up to “plan B” at least.

We worked in a very weather dependent environment, relying on machinery to lower and run survey boats and the helicopter, electronics to accurately plot our position and find the depth.

When we were on the survey ground with the support of a ship crewed by 120 men and women, the plan was always to cram as much into the day as possible to justify the huge cost of making navigation charts.

The ocean is a corrosive environment, hard on manmade objects. Take one piece of machinery or electronic equipment out of the plan and the plan had to change. Having options up our sleeve was part of the plan. Things like;

  • When the Helicopter was grounded, a crew was sent by inflatable boat,
  • When a navigation aid stopped working, move to a new location where the position fix was accurate,
  • When the boats Officer in Charge (OIC) got sea sick, send out a Senior Rating to do the Job,
  • When the survey boat found an uncharted rock before the Eco sounder operator, haul the boat out and change the prop.

The list goes on and on.

Having flexibility in your plan is the art of survival.

Yes, it is frustrating when a plan needs to change. It is important that the end goal is the driving force behind the new plan or backup plan.

I draw heavily on the fifteen years of Hydrographic Survey experience. It taught me to be flexible or “remain flaccid” as we use to say glancing at each other when another change came about.

I am currently juggling several projects at the moment.

Our family yacht is out of the water. The engine has been lifted from its engine mounts in order to change the sail drive gearbox rubber seal. While it was out the opportunity to paint underneath the engine presented itself. Unfortunately, the paint didn’t go off. I spent the next morning in the bilge wiping the unset paint out with acetone. Despite wearing the appropriate personal protection gear, this job left me useless for the best part of the rest of the day. Deadlines were missed and contractors had to modify their plans.

The end goal is the driving force.

So long as you are still moving towards achieving your end goal in the time limits set, the changes you have to make to your plan, are positive.

Don’t think for one minute that because your original plan didn’t work, you have failed. All dynamic plans have bumps in the road.

So make a plan so you can change it. Allow enough time.

If you have a story of your own about a plan you had to change in order to achieve the end goal, share it in the comments below.

People in Your Life

41214899_sIt stands to reason that you are most like the people you spend the most time with.

If you are not happy with who you are, change the people you mix with most.

Don’t think small, broaden your horizon outside your local communities, or your online social circles.

The internet is a great tool that allows us to get access to thousands of people who have skills and ideas we identify with. We are no longer restricted to our local communities, they can be anyone in the world.

Not everyone will give you access of course. They have their own lives to live. They are busy people also, busy enjoying life.

Many successful people want to share their success stories and strategies. They fear being mobbed by all the loonies and wanner-bees that are not really committed to doing the work required to change. Those wanner-bees can suck the life out of the successful ones in the form of valuable time.

Fortunately, many of those successful people are successful because they know the art of leverage.

They use automation tools, auto responders and outsourced staff. They share information by dong the work once and use tools that are available to us all. These tools serve out knowledge to thousands of people, with no extra work for those that share. That is leverage at it’s best.

Many will do this for free, others use their knowledge to help achieve personal financial goals or cover expenses associated with sharing.

Their information is out there for you to access. When you want to get access to successful people, and you are serious about doing the work to make a change in your life, don’t hesitate to fork out a bit of cash to achieve that.

Think of it this way. Your education costs money. Even at school, there are fees your parents paid.

My daughter is about to start University; her education is going to cost big money.

I never went to university. Now at my age, twenty percent of what I earn goes into an investment account, most of which I have been investing in upgrading my knowledge, getting close to successful people and learning how they succeed. I see this as my University degree. I don’t want a piece of paper that says I have achieved a certain standard. My return on investment will be the measure of my success, not a certificate.

By spending more time with those that are already where you want to be, you can’t help changing something about yourself, learning new stuff and starting to travel down the road of where you want to be.

  • Work out what you want.
  • Get access to people who are doing what you want.
  • Follow the rules of friendship and respect.
  • Start your journey.

We live in a virtual world already. Social media is awesome for communication when managed right. A massive time waster when not managed.

I just had a birthday recently, the communication that revolved around that event was very uplifting. I am so grateful to have people around me wishing me well for the future and supporting me, in spirit at the very least. Not one said anything negative to drag me down.

The opportunity to Facebook Chat with an old mate who is successful in business arose. Invaluable, having another who I can learn from, someone to help me get where I want to be just through a few simple words and questions, confirming I am on the right track.

If you have people in your life that try to bring you back down to a level they are comfortable with, distance yourself from them. Those people are holding you back from being the best you can be. If you choose not to distance yourself from them because you’d like to help them, make sure you balance them out with people that will help you grow also. Make sure the people you are helping actually want your help.

If you want a life where you can travel, without relying on hard earned savings, find people who are doing this already, get access to them, learn what you can from them.

Maybe you want to escape working for wages. There are dozens of ways to mix with people or groups that are successful business owners or investors. Be sure to note the difference between business owners and those in business. Business owners get paid regardless of the time they spend with the business. People in business own a job. Spend more time with the business owners. They have more time to share.

Rekindle old friendships with schoolmates or workmates that you have something in common with, try and give as much as you receive, as you should with any good friendship. Value their opinions and learn how they think now.

Without compromising your core values, you may need to rethink some of your beliefs and change the way you spend your time.

Keep an open mind. Your current reality is way smaller than your potential reality.

This is what I believe right now. It is open to debate. Feel free to share your thoughts in the comments section below.



How To Learn – The Secret

15588242_sLearning, we all learn, in different ways.

It is not necessary to have a teacher to learn, but a teacher must have learners to justify the act of teaching.

Learners have many options these days. More options than a lot of people realize, much of which is available free.

Many of us have past experiences about learning that hold us back.

My earliest memories of school are;

  • getting hot milo served in the classroom in winter and milk in summer,
  • kicking a ball over the fence and getting beaten up for my lack of precision,
  • bullied and ridiculed by a teacher and made to stand in the corner for not knowing how to spell my last name and
  • getting the strap for not knowing that a wood pile in the playground where our ball had landed was out of bounds.

Not once in my early days of school can I remember anyone trying to show me how to learn or giving more than one option to learn, like it was some kind of secret.

I found out what the secret is. I’ll share it with you later.

Listening to a teacher stand in front of the class, talking about things she probably knew something about, without knowing how to learn was extremely boring for me.

I quickly became known as the problem kid and no doubt was given other labels. You probably had other kids in your class like me. The ones making animal noises, doing distracting acts and having their name constantly repeated by the teacher [to shut up].

So most of my life, my belief was that my ability to learn was limited. Being made to stand in the corner with the threat of wearing a dunce hat, by a bully teacher at six years old was just the beginning.

Labels can be so damaging to people, young minds especially. Personally I try not to label people and put them in categories or certain groups. My preference is to take each person for their individual worth, their skills and values, without judging if they are right or wrong. I get some people and others just leave me wondering. We all have our own realities based on what we have learnt or experienced.

Many adult learners carry some major baggage within regarding their ability to learn. I don’t like to judge them. They are just missing some key pieces of the jigsaw.

So many people, fall through the cracks of our school system. The education systems are way underfunded. The curriculum teachers are forced to follow is so restrictive, revolves around onerous box ticking by teachers who are time poor, due to administration overload.

If we truly valued our teachers with their hard earned degrees and big hearts, they would be viewed as pillars of society, paid at least as much as a we are happy to pay a baby sitter per child in their care [do the maths] let them adapt to the needs of each child in a class with realistic numbers so each child could get a fair amount of their attention. The whole issue is complicated I know, but still makes me feel pissed off.

In my view, our children’s school systems are tired old broken machines that keep getting patched up. Poor man’s thinking. They are a relatively safe place where we as busy parents trying to make ends meet, can leave our children and they get given some knowledge along the way.

It is not all bad news.

Our past has little relevance to our ability to learn new skills, age is no barrier, young and old.

As adults it is vital we keep learning, pushing ourselves out of our comfort zone. The world is changing fast, we must make the effort to keep up.

As parents we must rethink the way we learn, then show our children how to learn, what their options for learning are, guide them and encourage them to create something worthwhile for others. Just point them in right direction and show them where to get the knowledge, it is out there already.

If the knowledge is not out there, you have an opportunity to get it out there. Maybe you will be rewarded for sharing.

When something is broken and the need still exists, someone will fill that need. The evidence is all around us and easily accessible through the internet.

Try logging on to using the words “how to” [whatever you need to learn]. Or go to where there are 30,000 courses, many for free. Google what it is you need to learn, research it and solve some of the problems you have in your life. Share the results of your research. We teach best what we need to know the most.

If you have to pay for the knowledge, so what, just make sure you are getting good value and there is some way of either getting a refund or stopping any ongoing payments if you are not.

So what is the Big Secret?

Learning is your responsibility. Nobody can force you to learn. Make it a big part of your day. Less consuming force fed rubbish like what the media deals out, more of what really matters to you and what you want out of life. Do stuff and ride the emotional rollercoaster of fails and successes. Like a toddler  learning to walk. Start doing, one step at a time. Work out what works for you. That is the secret.

The internet has changed the rules when it comes to learning. The past no longer matters.

You have the opportunity to reboot your life if you find yourself complaining about your lot.

If you want to find out some of my favourite places to learn how to do stuff, I will be adding more and more links to my Recommended Resources page as this site grows. Go there now.









She Was Probably Right

Don’t you hate it when you have to admit you were wrong and she was right?

Well probably right, because we never steered that course, and will never know what we would have encountered on that journey.

I’ll get to what she thought we should do in a moment.

What I’m talking about is an opportunity we had when I completed 20 years of service in the Royal New Zealand Navy. The Navy had a generous Superannuation scheme, with multiple options on how you could draw down the funds.

If I had educated myself about money, how it works and how it can work for you, I would no doubt have done things differently.

Instead I focussed on my passion. An idealism that revolved around cruising far off distant places on our family yacht, exploring the world, taking our home with us. My thoughts were consistently focussed on getting the right yacht at the right price and visualising the dream. This went on for years, all the time we were saving hard, sacrificing many of the lifestyle pleasures others were indulging in. I had a very clear picture of the goal.

For several years before the superannuation money was in the bank we looked at dozens of yachts. Monohulls, multihulls, steel, wood or fibreglass. We even contemplated a concrete boat at one stage. No stone was left unturned. The pros and cons of each design and construction method where carefully considered. My knowledge grew along with the thick folder of information and ideas. I listened to everyone who was willing to give me their opinion. Boating experts like John Lidgard, Lin Pardy, Steve and Linda Dashew and Ron Given. They and many other people who I highly respect, with their own slant on things, helped form my opinion on what was the right yacht for us.

Some may say I had become quite an authority on boat options for cruising. If you spend enough time focussed on one thing, others tend to see you as the go-to-guy for information.

Now everything in life is a compromise, right? We may know what is best but having the funds to get the best is another matter.

Eventually my 20 years of service was complete and the money was in the bank. We had already decided on the yacht we were going to buy, the ‘Blue Heron’. A large chunk of money left the bank, soon after it was deposited, and a new phase in our life began.

We now had the right boat for the job, just a few mods to do, then we were off. Well so we thought. A whole new learning curve presented itself before us as we got to know the boat and improved things to the point where we were comfortable to go ocean cruising.

Eight years later we slipped the lines on a blustery day in Whangarei. We had lived aboard for five years prior to our departure, cruising our favourite places on the North East coast of New Zealand. Now we were living the dream of life as an ocean cruising family, collecting some very special life experiences along the way. By the time we arrived at our fourth country though, Australia, we had to take stock of our finances. With no money coming in, the cruising life becomes less enjoyable as time passes.

Now here is the thing.

She said, “We should buy investment properties with the superannuation lump sum payout.”

Because I was focussed on my passion, I completely missed the opportunity to finance the passion. She didn’t push the issue, no doubt thinking I could become mentally ill if I didn’t get a yacht.

The property market was about to boom when we purchased the mighty yacht. Four years down the track I began to see what I should have done before buying the yacht. We invested in a year of mentoring, learning how to create income through property investment. Thankfully our mentor was a conservative accountant who encouraged us to do the math. The numbers didn’t work for us at this stage of the property cycle. We were competing against every man and his dog. Plus we had tied up our capital in the yacht.

If I had learnt the skills to buy, rent and sell property prior to buying the yacht, we would probably still be out cruising.

Now I’m not one to get all teary about how things turned out – for more than a few minutes anyway. Instead, I started to educate myself about how to create a portable business.

What an eye opener. There are hundreds of ways to set up portable income streams, many of which can run for extended periods unattended. The options are growing fast as the information age gains momentum. My passion for boats is on a different tack now and the future is looking bright.

Thank goodness the world is changing fast. The fact that it is gives us the opportunity to take another bite of the apple. You must keep up to date or be left behind.

If you don’t believe me, check out what’s happening on

So if you are planning on doing something big for extended period of time, away from a normal job, create other income streams first. Doing this one thing is a key part of succeeding and maximising the enjoyment of it all.

Ask me how.