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" If the cash runs out, it's like a heart attack for you and your business. Keep that front and centre of your mind, and you will have financial security and not be struggling to pay the bills. "

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" I was absolutely astonished and could not believe my eyes at the outrageous interest rates that people in need have to pay to get loans. "

Theo Paphitis

Pay

Believe

Eyes

" I can walk all day in malls, shopping centres, high streets - I love it. "

" Great customer service does not come by chance. It is the result of training and ensuring there are enough assistants to serve the customers. "

" I'd like to think people know what I stand for, which is straight-talking honesty and telling you not just what you want to hear but where it is at. "

" I'm a very considerate spender. I'm a shopper, and I do spend money, but I think about it first. "

" When I went to school, most parents wanted their children to get good A-levels, to go to university, and get a degree so your children had a better life than you. The way out of poverty was through a degree. But the whole world has moved on from that. "

" The statistics for investing in small businesses are such that the vast majority fail. "

" In Cyprus, our house was right on the beach. I could walk out of our front door, cross a road, and there was the sea. "

" Take calculated risks and limit your downside. "

" I didn't have a great childhood, and neither did Debbie, my wife, so we both try to give the kids not only the material things we never had but also the hugs and the love. "

" It's called common sense, but it's not common. Most people don't have it. "

" If you cannot bore your friends to death about your own small business, then something is seriously wrong. "

" If you look at all the investments made during 'Dragons' Den,' the ratio of those that make it to those that don't is actually extremely high. "

" Showing your emotions is not a weakness. "

" For me, the high street is a key part of how we live, what sort of community we are, how we get our news, and how we get our gossip. "

Theo Paphitis

Gossip

Live

" On Saturday, I don't want to be woken up until at least nine: I like a bit of a lie-in, a cup of tea, toast and marmalade, and the newspaper. "

Theo Paphitis

Newspaper

Tea

" I am the most conservative person you will ever come across, and that's because I'm good at reducing risks while leaving the potential rewards high. "

" Entrepreneurship is just one thing that needs to be in schools. "

" Both my sons are dyslexic, and so, too, in a much milder form, is one of my daughters. "

" I like the odd day relaxing by the pool, but I couldn't stand to sunbathe for an entire week. "

Theo Paphitis

Day

Odd

" I was lucky enough to find my passion early - in retail - and I have done well but, most importantly, loved doing it. "

" I'm an avid sailor, and my first time exploring the Dalmatian Coast and the Croatian islands was very special. "

" I started work at 13, had three or four part-time jobs, and learnt very quickly the values of work. "

" My vision is that everyone who has ever won an #SBS retweet from me becomes part of a friendly club. Like-minded individuals can share successes and learn. "

Theo Paphitis

Everyone

" In the 1960s, my first-generation immigrant parents were gifted the olive branch of a blue British passport when working for the British Army in Cyprus. It completely transformed the Paphitis story. "

" When we arrived in the U.K. on the banana boat, we settled right by Old Trafford. "

" Immigration has been good for this country; I know the value of it - hopefully I've given something back. "

" If you really want to sort out the High Street, you ask someone like Kate Swann at WHSmith, who has done a fantastic job of running profitable shops. "

" Businesses might have been helped by the ability to promote themselves on the Internet, but they have also been hit by the web's encouragement of time-wasting by their staff. "

" What's crucial in a High Street store is a compelling reason for people to shop there. Shops must offer excellent customer service - and 'theatre' is a must. "