It’s been almost one whole month since i blogged to share with you about the recent happenings in my life. Where should i start? Let’s start with my renovations of my home then =)

Since the start of 2nd of May, my house has officially started renovation but then due to some delay, the hacking and demolition of walls can only be started in 9th May. Well it was really a tiring but fruitful two months before the whole thing kick starts. After this, i realised that doing up planning for the whole house was a very interesting things to be done between couples. Every single weekend was spent either with contractors or at furniture shops looking around for ideas and good deals.

Indeed you will get to see and discover your partner in a different light. It can be good or bad but i guess the most important thing is to compromise. Never insist on your idea onto something that both cannot see eye to eye. Jasmine and me made a good pair because she is quite easy going and she lets me to make most of the decisions. Seriously this solves many problems. Can you just imagine if you and your wife both wants to make decision on the type of dining table to buy, i can assured you that it will never end. Of course there are areas that i do according to what she likes =)

Currently into the last three weeks of the renovations and i am left with plastering, aircon piping, electricity, painting and carpentary works. I’m also done with all the furnitures, lighting and aircon. I pray that all things will go smoothly and no big issue will come out of the picture.

I’m also very thankful for my best friend, Daniel, for putting up with me over at their place. It was very nice of them to let me stay during this period of time. My other friend, Simon, was also very nice to me by allowing me to put my furnitures at his newly BTO flat without charging me a rental fee! I am really quite blessed =)

Despite all the busy schedules at home, i am still able to meet up my clients and new referrals to review thier plans and most of them have also gone ahead to upgrade their coverage after seeing thier shortfall. Though there are times that i fall short but they are still very understanding towards me. Some of them have also encouraged me by saying that my service to them has been very well and i am not pushy about my products to them. Hearing all these indeed makes me believe that quality business will only comes in when quality advice and service are being provided.

One more important updates was that i had already proposed to my gf who is now considered my fiancee =) Hahaha..i am still not used to use such term at times but i guess i am also getting used to it as days go by. Everything went well during the proposal and it was just a simple and sincere proposal. No nice roses or dinner as expected though =) We are now in the midst of praying for a good time to get married and hopefully we have an answer soon!

I’m approaching the second half of the year with much excitment and joy because there are just so many good things to be happy about and feel blessed. I have good friends with me, good career, good clients, good fiancee, good health and family relationship. I can’t help but feel that God is very nice to me and i will continue to grow deeper in relationship with HIM so that i can lead even a better life in future.

Are you totally prepared for it? Have you as a parent, gotten enough coverage for yourself first? Are you concerned about saving up for your kid’s education plan? Do you have enough saving to endure you through the initial period?

Many parents that i have met experiened one thing or another as mentioned above and most of the time, i need to sit down to spend quality time with them to do some re-adjustment of their portfolio. One of the few mistakes that i realised adults made was that they committed too much into saving for their retirement during their age when they have not enough gotten themselves insured enough.

In Singapore we were taught that we should SAVE. Therefore many insurance sales-person out there will try to make sure of this point to sell to many fresh graduates the idea of saving when young. Yes, it is true that we should be saving BUT not with any insurance company per se. They need to save up for their emergency fund first then get themselves insured and when everything are settled then they look into saving for retirement.

Think about this: one young man went to buy a 25yr saving plan when he just started working as fresh grad and he committed $200 because he is able to save $1000 per month. His salary was $1800 during then. A few years have passed and he realised that he needed protection so he approached his consultant to buy a life insurance. He was asked to buy a life insurance that costs $150. So at this point of time, he would be committing $350 out of his $1800 salary and this works out to 19% of his income! Slowly he got married and have two lovely kids. Then suddenly he passed away due to a car accident! His wife called up his agent and asked how much he was covered. Guess what! The agent said ‘Auntie, i’m sorry he did not have accident plan with us and his total coverage only $130,000″

Imagine you are the wife, how would you feel? $130,000 only! Goodness, how long can you survive for only this small amount of money with your two kids?

In the above example, if he was sold a term plan of $150k for $30/mth and a participating life plan of $150 covering $100k for death and accident, his wife will be receiving $400k in total and he was only paying $180/mth using only 10% of his salary!

Let me tell you the honest truth: This is what is happening out there to many people who commits a saving plan first and realised they may not have enough money to buy life insurance when they really need it. Their agent may not also sell them term policies or accident plan because it is firstly hard for consumer to buy the idea of life insurance and secondly commission are low for them plus the overall production the consultant brings in will be considered low.

 Therefore the next time people approach you for saving plan, tell them stop being a sales consultant, be a financial planner and i will buy from you.

In my recent appointments with my new clients, I realized that many of them are really in need of proper financial planning simply because most of them are lacking the basic foundations of saving. What I mean is that more often than not, they don’t know how to save money in a systematic way and never realize the importance of first setting aside money to save before deciding to spend that same amount of money.

How many of us as we are reading this and are reminded of the friends around you who behave in a similar manner? They earn quite a decent amount of income but they always complain to you that they do not have enough to save. Yet at the same time, you see them wearing new clothes, bags etc. I bet that you must be nodding your head and having that particular friend in mind right… Or perhaps even yourself?

If you do care about this particular friend, I urge you to ask this friend of yours to meet ME! Having spent a certain amount of time in this industry, I have had my fair share of viewing how industry workers work. And while there are many competent consultants out there in the market, I too know of many others out there who do not place much emphasis of understanding their clients and designing a tailor made plan which will help them to maximise their outcomes using minimum resources. Many consultants fall into the trap of advising based on what is best for them instead of recommending based on what is best for the client’s sake.

Personally though, I have always retained the mentality of “If you give others what they want, others will give you what you want.” Having that in mind helps me a lot as I grow with my clients, and they see that through the years as I keep them up to date with their plans, and how their finances have grown leaps and bounds, without them having to leave their comfort zone. As such, it is of utmost importance that you ask yourself this question whenever you meet a new consultant – “Is he/she in it more for me or more for themselves?” If you get the slightest notion that they’re not the least bit concerned about what you’re saying(about your life, your family – which all factors into your decision making process), my advice would be to leave. The consultant has the responsibility to grow with you!

Coming back to the topic of getting the basics right, I believe that every individual needs to first have that desire to WANT to plan because without this desire, there is no ‘NEED’ to plan. A person will not be motivated to do anything when there is no desire. Once he/she finds that desire, the execution and planning part will come hand in hand. It is not easy in the beginning but once it becomes a habit, it will be of second nature to you. So the important question is this – What kind of foundation should you have? Well that is exactly what I am going to share my two-cents worth of knowledge with you.

Tips on getting your basic foundation right:

1)      You need to get the formula right: It is supposed to be ‘Salary – Saving = Spending’. NOT the other way around.

2)      Set up at least 4 bank accounts! One for daily expenses, one for emergency fund, one for luxury/entertainment and the last one for long term savings which can come in the form of normal bank savings or endowment plans.

3)      Allocate 10% into the 3 accounts and set the remaining for expenses account.

4)      NEVER buy a savings plan first.

5)      Set aside $10 per day for meals. Double it up on weekend. This way you can limit your monthly expenses for food. There is no need to eat expensive food when you know the next moment, it will turn into ‘waste’ – literally.

6)      Say ‘NO’ to credit card DEBT! Use credit card wisely before it kills you back.

7)      Don’t buy a car unless it can be used to generate more income or to serve your family. The amount of money that can be saved by not buying a car is enough for an average Singapore to hold a simple wedding in 1 year’s time.

      Live simple!

Yes, my last tip to get your basics right is to LIVE SIMPLE! Our grandparents eat porridge everyday and yet manage to live up to 80+ years. In today’s society, we eat nice seafood, Japanese ramen etc and still we all die at an earlier age in spite of all the nutrients. So what does this indicate? There is no need to splurge on unnecessary things and just focus on leading your life in a more meaningful way. The person that told you that getting everything you want in life will make you happy was lying to you!

I thank you for taking the time to read this article and I hope that you will take away these tips and apply it into your life. Do let me know if it creates an impact to you. =)

Allow me to share my personal health in general with you =):

In term of my wealth, i have started to live a more simple life. Meaning i buy what i need and have stopped buying branded goods that is for temporary show. I have taken quite some time in order to master this simple habits. Previously i have always wanted branded things and would go for high quality products and tell myself that it is for long term use. However after living in denial for 2 years plus, i came to realise the best things in life is FREE. Eg: being able to breath fresh air is the most amazing things to do! Having a chance to stay home to rest and reflect on your life is also free and it’s super important. I have saved money in both bank and insurance. I do unit trust and stock investment. I do invest in business too. Therefore with all these in place which i still need to improvise, i think i am being quite healthy.

Comes to body health, i think i am currently in the pink of health. From my latest body check from Sky Fitness Gym, everything inside my body is normal. Body fats are also in healthy range. In fact, i need to put on another 4 more kg on my lower body to be more proportionate. Have been doing cardio and weights training every wed morning and go for run at least once a week. Again in this aspect, i felt i am very healthy considering my job scope and years of working =) Some of my friends put on weights ranging from 5-15kg after their NS. Thank God for the wonderful body that He blessed me!

Perhaps last aspect on healthy will be on the mindset. Many people in my industry tend to fail to do well because of few reasons but the main reason that i gathered is this issue on mindset. Actually to be fair, mindset problem is one of the main reasons for people not doing well in whatever they are doing. Often than not, many of them have the ‘I-don’t-care’ attitude and ‘I-deserve-higher-pay’ mindset. Due to these two mindset, many of them find themeselves switching from one job to another and always complaining about their boss and job. I do feel for them some times but then again they could possibly deserve it. I mean do they ask themselves if they are adding value to their boss or companies? In today society, if you can’t add value to your boss, you are OUT OF THE GAME! Companies loyalty scheme are in place to keep people from staying and not be promoted. They don’t promote you based on loyalty but the amount of revenue or value you can bring in the company. It’s the ugly truth that all of us have to abide in. In this aspect of mindset, i felt that i am still on the right track of being very motivated and positive towards my job.

I believed strongly in adding value to your job and being always motivated by certain things. The one things that i find it hard to do is to find your motivational sources because it changes according to life stages. You need to constantly do reflection in order to find it. It’s a habit that you need to cultivate daily =)

Just my two cents worth of sharing. Hope to hear some from you too! =)

That’s why today I decided to come to airport to chill =) Having a cup of latte whilst doing strategic thinking. I love such moments as I can slow down my pace and reflect on all the things that has happened in my life and learn from the experiences that I’ve had.

Let me do a recap of the experiences that I have gained in the past two months:

1)      During conversations with guys younger than me, I realized that the decisions made during the younger years have the ability to completely alter one’s fate. I made the decision to join the financial industry despite many objections while doing my part time degree and after 4 years, I have never looked back. If I had not made this move, I wouldn’t be where I am now and this website wouldn’t be in existence. I also wouldn’t have learnt so many valuable life lessons in life and met amazing people.

2)      After one of the major exercise that I had during my course, I was reminded that one’s attitude in life decides whether or not you’re poised for success. Eg: If you are always positive about things, you tend to make the best out of it and try to learn new experiences from it. Successful people that I know, especially my boss Merry Riana, has an excellent attitude towards life. She has been going around sharing with many others that the most important things in life can be achieved by having the right attitude. Losers, on the other hand, focus a lot on what they can’t achieve and blame anything and everything except themselves.

3)      We can plan but if the plan that you have is not what God has intended for you, it will not materialize. As a result, you need to see from this point of view and tell yourself that God breaks your plan so that HE can allow the bigger plan to materialize. Every failure in our life serves a purpose. It doesn’t happen without a reason. So seize the chance to learn from the mistakes and grow!

4)      Saving is a virtue! Being able to save and possessing the willingness to save isn’t easy. This is especially so in Singapore where things are so expensive coupled with low wages, it can be quite taxing on normal folks. It takes great determination to weather out temptation and remain as normal =) Although it may seem very extreme but that was what I learnt. We can save money if we really take a step back to reflect on our wants and needs. You have to ask yourselves whether you deserve to buy these items and whether the purchase value adds to your life.

5)      What kind of lifestyle do you desire? Have you asked yourselves why you are  working so hard? Do you desire a relaxed lifestyle when you retire? If the answer is yes, then I suggest that you should migrate overseas =) After I came back from Australia, I learnt that it doesn’t take much effort to lead a relaxed lifestyle there. The culture is such that anyone can lead such a lifestyle. The per hour wage is about A$15-20 and working hours are from 9-6pm. After work time is meant for family bonding whereas weekends are meant for gathering with friends or colleagues. Even if you are unemployed, the government will also provide you with social benefits. So basically it is a choice of abandoning everything in our home country or to migrate to another place to start all over again. We need to find a purpose for working hard. We can’t just work without a reason because one of these days, you will just wear out and find life meaningless.

Well that’s all for my two cents worth of sharing. Hope you can gain some insight through my experience. It’s always good to leverage on others than to go through itself.

But then again if we really sit down and think, is buying insurance that simple?

In my personal opinion, getting an life insurance is a simple task but not easy. Other than there are many things that you must understand before you make a decision. Eg: what’s the term and conditions, any exclusion, pros & cons, interest rate and guarantee or non guarantee portion.  I have to say that maintaining the  budget to keep the policy in force is also another factor to consider. Hence i need to say that it is not easy simple because for generally, most people doesn’t view insurance as their most important expenses. To them, buying insurance is good to have when you have spare cash and when they got retrenched or pay cut, the first thing to cut is insurance!

The same theory goes for driving a car. It is simple to drive on the road since you only need to step the accelerater and it will drive automatically however you need to master all the road signs and understand all types of road condtions to be able to drive safely. It is not easy though. Buying a car is simple. Just go to showroom and select a car that you fancy and pay the deposit to drive off.  However is it easy to maintain the car? No! Many people i know are struggling to keep up with the expenses. They have became a ‘car slave’

In driving, we hire a private or school instructor to teach us how to drive and in the insurance context, we engage a financial consultant to share with us all his knowledge and understanding of the products so that we can make the whole process a breeze. Therefore i must emphasize that the financial consultant that you are seeing (bank, tied agent or IFA) must make sure that he does a fact find with you first and follow by introducing and explaining all types of suitable products for you before you sign anything with him. Another important aspect that you need to take note is whether did he disclose how much commission is he getting from the plan he is recommending you? However if you notice that this person only has one plan for you and never tell you anything about his reason for recommendation then you should know what to do with him(dump him!) Sometime if the agent doesn’t bother to even ask you about your spending habits and are only concerned about how much you can save, you know that this person is just another salesperson out there.

A good financial consultant in my personl opinion is someone who bothers to upgrade himself constantly in this industry. Be it taking CHFC or general insurance, it will definitely value add the client in one way or another. Sometime by attending outside course where it increases general knowledge, it is also benefical to the clients. He/She must also be willing to be open with his own financial habits because at least you know that this person practises what he preachs. He must also possess a spirit of listening and understanding your whole financial situation and constantly follow up with you. If the person after one appointment never bother to follow up then again you can move on looking for other sincere consultants. Most importantly the consultant itself must believe in its own products. Ask for his own policies and see how much he/she is covered. If he can’t show you then i believe he himself also doesn’t believe much in insurance planning.

So after looking from the other point of view, do you still think buying insurance is a difficult task? It is a difficult task if there is no proper consultant advising you on all aspects (logic & emotional) when choosing a plan. The million dollar question right now is whether have you been able to find ‘the one’ to help you to make the process more simpler =)

Before you get the wrong idea, i am not getting married by any means but it is just that i will be taking over the ownership of my current house due to some reasons. This is actually quite a good news for me because it will mean that i will finally own an asset which will be providing me passive income and an opportunity to make capital gains when times is good. I felt that it comes at the right time because currently i am single and not having much commitments therefore by putting my money inside the house will be considered as a good investment.

My plan is to do a small renovation and after that will rent out the whole unit to let me earn some passive income and i will move out to rent a small place to stay. This way, i will not have to worry about the loan repayments since it will be covered by the rental and i also don’t have to fork out extra money to pay for my room rental too. Tho it’s going to be quite different staying alone but for the sake of future investments, i think it is a small price to pay =) Hopefully by 3 years, i will be able to save up to buy my first condo. And if i do so, i will be renting it out and i will stay in HDB together with my wife (if im married). The thought of dreaming about having my own condo excites me so much!

Another thing that i wanted to do this year as i mentioned earlier is to save up to 40% of my earning per month. To do so, i have listed down what are the neccessary adjustments that was needed in my current lifestyle:

1) Cut down on restaurants with my date to once/twice a month
2) Get busy so that i have no time to spend money!
3) No more expensive things for myself for at least next 6 months
4) Cutting down on entertainment activities to once a month
5) Less cabs taking

Well i believed that by strictly following these five things, i will be able to save up quite abit of my earnings and do regular investments. I’m also going to be more active in investing in unit trust to build up for my future. 2010 seems to be a good year to do regular investment since there are prominent signs of recovery. I believed that as a financial planner, we have to abide by the rules of saving and investing before we can preach what we believed strongly in. At least that is my motto when i’m handling business with my clients.

I often shared with my clients that it is not really how much you earn but how much you save! With that in mind, i am going to drill it deeply in me at least for one year and i will see how much can i really save. Good luck to me in saving! =)

The above two are part of my 2010 resolutions! I still have others that i will share soon!

Its been 13 days since we entered into the new year and I just came back from my incentive trip in Korea. I really had a great time over there especially when it snows because it was my first experience in snow country. As mentioned earlier, i will do a short write up on my trip and here is it:
During our first day, we actually experienced the worse snowing in korea for the past 40 years! The total height of the snow was more than 30cm and it caused huge traffic jam! As a result, we took about 5 hours from the airport to the Coex Hotel where we were staying. It was totally freezing but it felt awesome with the kind of weather. Something that I never get to experience in my whole life.

Well after the 3 days 2 night with my company, I continued with my post trip tour to Jeju Island and Seoul where I get to try skiing! Again it was an amazing experience skiing together with the whole bunch wonderful people from my company. Everyone was so sporty and all of us had real fun time. Jeju island is really a beautiful place for honeymood couple to go due to its scenery. Even went to one place where the owner grows a tangerine garden! So beautiful!

Before the ski, I was fully geared up and thought it was going to be real cold since the weather has been about -15 degree. But God knows that after 2 hour of skiing, I was literally sweating inside my body! It was damn hot and first time that I sweated in korea especially out in the cold. I did also tried out hourse riding in Seoul! Riding in snow weather and it was so cool =)

The last day was really crazy for most of us because we all spent ALL our money in 3 shops and some of them went on to swap their credit card to purchase more! We were really out there to stimulate Korea economy! Many spent S$1000-3000 on famous Korean Gin Seng and I can tell you that the people were all into impulse buying because of the lack of time and peer perssure. But it was fun seeing people carrying big bags out of the shop with the smile on their face.
Next shop was Faceshop where it was even more fun because it was where the products are cheap and affordable to everyone! It’s where you can see men and women went illogical when it comes to cheap cosmetic. Most of us were amazed by the demonstration done by the sales-girl on their Korean brand ‘OBDO’ Even I also can’t resist the temptation to buy many products for myself! Haha…
Well last stop before we headed to airport was at the Supermart where they sells kimchi, seaweed and local manufactured products. Things were not that cheap but again because we were in Korea for the last hour, people went on to their final crazy shopping spree! Boxes and boxes of the seaweeds and chocolates crunch were being carried on to the bus. I can only say that our people are all quite rich!
When it comes to the food, I had only one comment and that was an Excellent choice to go with the tour because they chose all the nice different type of korean food for us to try. Every meal was good and everyone of us just keep asking the people to add rice, kimchi, meat etc. We ate till we were so full to be able to keep our body warm for the next 6 hours Basically I tried the BBQ, steamboat, gin seng chicken soup, and many others local food. Thumbs up for the food experience! 

Some pictures to prove =)

Alright that should be all for my korea trip. =) Will be looking forward to my next trip which is Perth! Meanwhile i will have to work hard for my Barcelona and Yokohama!

Jia you!

Well previously i have never thought of spending time with family but don’t know why this year i felt that i must at least have abit of quality time with my mother. It’s been a super busy year for me and as a result most of the time i’m always outside. I only go home to sleep and bath. Well that was my life for past 1 year but i truly enjoyed every bits of it tho tiring =)

As i am home resting, i’m also doing some reflection of what had happened this year and what i can do better next year. Early on this year, i remembered i set some goals and declared it in my blog here. At that point of time, i was very excited about it and was very optimistic about my future. However life is like that. When you expect something good to happen, there will always be something from somewhere happened that try to lure you away from your goals. Life is like a rollar coaster! To me, i do have my fair share of not being able to clear some of my goals this year.

Let me just do a short recap on what happened to me in 2009:

1) Starting of my recruitment drive early this year. Went to many job fairs and managed to get lots of contacts for recruitment. Done quite a number of interviews though not all are good.

2) Ignored my final last two modules to focus on my business here and ended up failing the two of them. Downgraded one honours class as a result But the good thing is that i don’t have to repeat because it’s my last year and they are not allowed to keep me for long.

3) Economic crisis has also resulted in the loss of all my investments funds. Most of my funds dropped at least 40% during the lowest peak of this year(march) . Thank God that i managed my emergency fund properly that i don’t have to liquidate out my investments or else i would have realised all the losses.

4) Coming to 2nd half of the year seem quite optimistic for my recruitment and i have already one agent under my care with few others taking exams.  I was also lucky enough to be selected by CPF board to be one of the bloggers in their newly website: www.imsavvy.sg Being selected really boosts up my confidence level and motivates me to do more things to build up my branding.

5) Somewhere in August was really a bad time for me because i was having a relationship problem. In fact, the r/s ended on the last day of August after two years of being together. During that point of time, it was really very heart-broken as it was one of the best relationship that i ever had. However due to some stuff, two of us didn’t seem to work things out. But the good thing that happened was that we are still good friends now and on good talking term.

6) Despite feeling down for one whole month, i managed to pick myself up again. This time i managed to get my booklet published finally =) It was quite nicely done and i gave it out to my clients and friends. Planning to distribute to more people next year.

7) Had my first driving test in Oct but i FAILED Though sad but i still tell myself that it is a blessing in disguise because if i pass, i will spend more money to buy a car and who knows, i may get into an accident due to my lack of skills. This is what i called ‘ positive thinking’ Hahaha

Last 3 months of the year was quite challenging for me because i will need to clear my own personal sales target by end of Dec. With the incentives given by my company and agency, i was really quite motivated to fight for it. So far so good, i managed to get most of the incentives and i am into the final lap of the race. That is to get more from my company and to increase my bonus =)

So after doing a recap, i will give myself a 7 out of 10 for this year performance. Although many unhappy things had happened to me but i still managed to make the best out of it and still stay positive. I would said that i am now on my way up the rollar coaster wave.  Things are definitely looking better for me now. Next year, i promise myself that it will be better and i will make sure i do it. Next one week will be spending time to do some strategy thinking on how to build my business in 2010 and how i can upgrade myself even more and provide more value to my clients!

I will be back to share with you on what is my new year resolution for 2010! Stay tuned! Cheers =)

During my first 25km, i ran as per normal and things seem quite ok but however when it comes to 26km onwards, my legs are really giving me headache. My leg muscles are literally bursting and can’t take any more jogging. I had to stop every 1km to do stretching and make sure i walk instead of jog. Time were passing really slow if i walked and most of all, i felt that i have a whole lot of distance to cover. I still remember vividly that i wanted to just give up and sit there to rest but each time i looked up the crowds, i saw many ladies and also old people still running. From there, i told myself that no matter what, i die die will have to complete the race. The mind will have to be very strong so that it can overcome the  fatigue level.

So i struggled with every 1km abit by abit and eventually walked till the 39km mark when i decided to start jogging despite the pain because i did not want to take more than 7hr to complete my race. At last, i managed to complete within 6hr and 50 min =) Although that is not a good timing but i think it is quite good for a first timer and based on the fact that i have only trained up to 14km only.

Anyway after running this marathon makes me realised a couple of things. First of all, life is really like a race. Everyone of us starts from the same point and some will go fast while some will go slow. Some like to overtake people and some like to run alone all by the side. Many of us experience different things in life and we do take things in a different approach. There are no hard and fast rule but most importantly is whether do we get the result that we want. We must endure till the end point and anything can happen along the way and we just got to adapt to the situation and change accordingly.

Secondly, it really doesn’t matter how you start and most important how you end. Some people started fast but end up having leg cramp along the way and as a result not able to run. While there could be someone who started slow but managed to jog all the way. Therefore never ever judge a person by the first impression. You can never know what is ‘slow’ person can actually achieve.

Third is that running a marathon doesn’t require you to have a fit body but rather a strong will mindset. I saw many elderly uncle running the race and i totally respect such people. After experiencing myself, i know what it really takes to do one marathon. Can’t imagine people who do Ironman and other more tedious activities. Their will-power must be very strong. In fact, i dare to say that even tho a successful person in life may not be able to take such pressure.

Lastly i reckon that if you can set your mind to complete a marathon, you can conquer anything. That is because if you can overcome your mind over body so it means that a person can tell the mind that anything is possible to achieve. Even physical pain can be endured so what is mental pain/stress. It’s a matter of whether do you want it anot? Many of us run this race because we like to wear the finisher T-shirt and not because we really like to run. So if you really set you mind to achieve something that you think will worth alot to you, you can do it!

Just my two cents worth of thought of the day!

Here is some pic taken half way =)