The Book About Life
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About this ebook
The book about life gives advice and tips on how to have a better,happier,richer and more successful life.
Part motivational and part learning.
A mixture of stories of the author’s 20 yrs experiences in life and work as a Chiropractor, Naturopath,Investment Adviser and Property Developer.The chapters on Health and Investments are a must read.
Ideal for young people to gain knowledge about life
Matthew Bohlsen
Hi all, I am a new author and a keen learner in life. At age 50 I have learnt a lot from my life so far; however I am still learning and hope to write The Book About Life II in about another decade from now. I worked in the rat race for 30years in Australia, 10 years as a Chiropractor and Naturopath in my own business, then the past 15 years as a Financial Adviser with the later years in my own company High Net Worth Financial Advising. My current passions are investments, health, and sports (in particular tennis, golf and snow skiing). I own 11 properties around the world and usually can be found in either the Philippines, Thailand, Japan or Australia at one of my Condos. I enjoy working remotely via the internet as an adviser of very wealthy clients as well as in my new hobby as an author. I am also currently in the early stages of building a tree house development in Palawan Philippines. If you are interested to buy a Condo,or to be a client of my advising business,feel free to drop me an email at mbohlsen@gmail.com. Cheers Matt
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The Book About Life - Matthew Bohlsen
Having made my share of mistakes in life, and not really ever having someone to teach me about life, motivated me to write this book so others can learn about life from my experience and mistakes.
Why learn life the hard way?
Why not make your life better from learning from others mistakes??
With these thoughts in mind I sat down one rainy day in October 2010, in my Condo in Phuket Thailand, to write this book. I had thought to write this type of book for the past 10 years , but held off due to slackness on my part, and also feeling I needed to wait longer to know more wisdom about life to pass on to you. But now I feel it is time I put pen to paper, or more precisely fingers to key pad.
A quick history of my life to date may help you to see where I am coming from.
I grew up in Sydney Australia, my parents divorcing when I was 7 years old. My mum raised us almost single handed, and I will always be grateful to her for the magnificent job she did. My Dad lived mostly overseas, so I did not have a lot of contact with him, and, as with a lot of people, wished that I had someone to give me guidance as I navigated the treacheries of life.
At age 18, I went to university and spent the next 6 years learning about the human body and gaining two Science Degrees - one majoring in Anatomy and one in Chiropractic.
At age 24, I entered the work force and started working as a Chiropractor. I knew nothing about business or money, but luckily was good at my job and managed to earn over $100,000 pa (about $200,000 pa in today’s money) in my first year out of college. The year was 1990. In fact when I got my first fortnightly pay of about $4,000 I was absolutely shocked, and of course, happy. At that time I was renting a 2 bedroom apartment with my soon to be wife (a nursing graduate) for only $75 per fortnight. So you could say I had plenty of savings potential. And thanks to my mum or my thrifty personality, I was a good saver. After just 2 years of working I had managed to save $100,000 and bought a car – a Ford Capri convertible.
At age 26, I had opened my own Chiropractic Clinic, started studying towards a Naturopathy Diploma part time, was married, and had bought my first house. I guess you could say I was making up for lost time. My marriage and business went along nicely for many years until I ran into troubles around 1997. Maybe it was from working too hard, but I lost my way, had an affair and ended my marriage. Not something I am particularly proud of.
At age 33, I was now divorced, unhappy, stressed and $220,000 poorer thanks to the Australian system that rewards those that earn less. I had three properties, but now with more debt than before thanks to my divorce, I struggled on in my Chiropractic and Naturopathic business. The 1997 Asian Crisis didn’t help either, nor did two new Chiropractors in my area. A combination of tough times and more competition saw my income drop down to about $70,000 pa. Maybe still a nice income at the time, but a lot less than I had earned before, and what’s worse my interest in being a Chiropractor had waned. I had worked briefly in Hong Kong as a locum Chiropractor in 1997 and saw the huge money being made by stock brokers in the finance industry and had managed to triple my money investing in Malaysian shares that had crashed in the Asian crisis of 1997. Maybe it was time for a change?
At age 35, I had had enough. I sold my business and the property for peanuts to get my sanity back. I moved back to Sydney and started studying again. My interest had grown in the share market and the dot com boom had me thinking I could make some easy money. How naive I still was.
At age 36, in the year 2000, I started work in the finance industry. A humble beginning, I was working in a call centre for an online stock broker. A far cry from the prestige of having my own clinic, but still I was prepared to start again at the bottom, and realized I needed to gain experience. I had completed a Graduate Diploma of Applied Finance and Investment and was full of excitement about the finance and money industry. It certainly was a big change away from the health industry.
At age 37, after six months in call centres, I had managed to fight my way out of the confines of a call centre and land a job as an Investment Consultant with a major Australian bank. Soon after, I completed another Graduate Diploma, this time in Financial Planning. This certainly was exciting for me and I enjoyed advising clients. The year was 2000 and the dot com boom and US share market was beginning to collapse. Luckily I was smart enough to see the US market was grossly overvalued at that time and advise my clients to avoid US shares. The dot com and US share market boom dramatically ended in about April 2000, followed by further share market pains with the September 11, 2001 terrorist attacks on the USA, and another wave down just before the Iraq war in 2003. During those years I saw many clients who had lost a lot of money. The mistake they had made was investing too late into the boom and not understanding valuations. Still maybe this was poor advising also, as most advisers made this mistake too.
At age 41 and in 2006, I left the bank, despite having over 400 clients and 70 million dollars under my advice. The reason was simple. The bank’s management was trying to trick us out of our bonuses. They got too greedy, so about half the advisers headed for the exit door that year, including me. I started up my own Financial Advising business called High Net Worth Financial Advising
, (www.hnwfinancialadvising.com.au), and was again successful in business. The secret for me was always keeping overheads and fees low, and focusing on good customer