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.

The amount of money you have has got nothing to do with what you earn.. people earning a million dollars a year can have no money and.. People earning $35,000 a year can be quite well off. It's not what you earn, it's what you spend.

Don't invest in anything that you don't understand. Do your research first.

For many people a job is more than an income - it's an important part of who we are.

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

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

The only prerequisites are past experience, a suitable personality and good communication skills: you need to be able to communicate adequately in English.