When investing, I'm not against risk. If you take no risk you must expect a low return. Just don't let anyone fool you into thinking you can get a high return with low risk.

Success on any level begins when you accept responsibility for creating life what you want. You are the only person who can truly make it happen. Not your boss, your business partner, your financial planner, your spouse of life-partner. Just you.

Before you start trying to work out which direction the property market is headed, you should be aware that there are markets within markets.

Be prepared for disappointment and frustration. Be persistent and bounce back even more determined to succeed.

For many people a job is more than an income - it's an important part of who we are. So a career transition of any sort is one of the most unsettling experiences you can face in your life.

Learn as much as you can about your proposed business. Ask questions. Join industry associations. Study successful competitors carefully.

Don't go into business with the sole objective of making lot of money. If you put service, quality, and customer satisfaction first-the money will follow.