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

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.

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.

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

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

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.

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