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

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

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

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.

A successful business is a good way to create significant wealth, but not every business will grow into a News Corporation or a McDonalds.

There are plenty of ways to get ahead. The first is so basic I'm almost embarrassed to say it: spend less than you earn.

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.