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" Save money; never rely on other people to lend you money. We call it having 'walking the streets' money - money in your back pocket or bank account that belongs to you. "

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

Theo Paphitis

Chance

Service

Enough

" 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 love the English language, but I'm crap at it, so I might as well do what I'm good at. The same goes for my kids, who are also dyslexic. I won't pressure them to do anything. They've each got a trust and a mortgage-free property, which is a lot more than I had, so I know they will always be fine. "

" My family's challenges meant we lived hand to mouth. There were weeks when we had neither electricity nor heating. "

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

" Without hope, the very fabric of our society will fall apart. "

" We survived for hundreds of years under the old banking structure. You'd have clearing banks, then merchant banks doing the racy stuff, and then building societies where you'd join a waiting list for a mortgage. But then banks started buying stockbrokers, doing mortgages, and you ended up with these big banking groups doing everything. "

" 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

" Every successful high street needs a catalyst that starts making people want to come there, and independent shops can be that catalyst. If you want a new idea on the high street, you'll probably find it in an independent. I know I shouldn't say this, but new ideas rarely happen in chains. What we do is adopt it once we spot it in an independent. "

" No major technological change has ever been instituted by mankind without an array of negative consequences. The motor car has meant liberation for millions, but it has also caused congestion, environmental damage, and a disturbing death toll on the roads. "

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

Theo Paphitis

Day

Odd

" When making an investment, the people are more important than the product. "

" The wider the exposure that we give children of the real working world, the better. "

" Politicians are elected to do what is right, but too many are just doing what is right for the party. "

" I know I have been lucky in business, and I am keen now to spread goodwill to others, of course not forgetting that very often, you make your own luck by making use of every opportunity. "

" The minute I stepped foot on the shop floor and started serving in a retail environment, I knew it was the career for me. I was a shop assistant for just one day, and I thought, 'This is it. This is the rest of my life. This is all I want to do.' "

" The decisions you make when you leave school define the rest of your life. So, in terms of making the right choices for your financial security as you get older, my best advice is to do something you have an interest in and are passionate about, as you'll be working for a long time. "

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

" I am for a transactional tax at the point of purchase for both online and physical retail. "

Theo Paphitis

Tax

Retail

" 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. "

" I'm incredibly passionate about business, about small businesses, and about kids being given the right skills so they are successful. "

" Retail is my game. I spend every waking hour thinking about it. I started in the industry at the age of 18 after trying various other things that were mind-numbingly boring to me. "

Theo Paphitis

Age

Thinking

" I'd rather be rich and miserable than poor and miserable. "

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

" I am a great believer that the risk should reflect the reward. "

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

" A small business can survive for a while without making a profit, but if its cashflow dries up, the impact is fatal. "

" 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. "

" Becoming a campaign representative for the somewhereto_ re:store campaign was a simple choice. "

" I admire people who have passion and energy. "