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

Study the business you think you might like. Satisfy yourself that they will suit your needs. There are so many alternatives available - don't be too quick to choose. Just about any business can fail and any can succeed.

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

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

Invest in yourself. Your career is the engine of your wealth.

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

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