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

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.

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.

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

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.

Personally, I tend to worry about what I save, not what I spend.