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" 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. "

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" 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. "

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

" I'm a shopaholic. I really am. I can't help myself. I do go into, browse, and purchase from my own shops, too, although the CEOs who run my businesses wish I didn't. "

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

" 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. "

" 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.' "

" 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. "

" I was born in Cyprus, but my family moved to England when I was about six. "

" 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. "

" 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. "

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

" 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. "

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

" Small does not mean insignificant. "

" 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. "

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

" 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. "

" If someone underestimates you because you are warm and approachable, then you have an advantage over them. "

" I'm not into cats; they aren't my bag. "

Theo Paphitis

Cats

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

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

" Women have to work harder to be in the same position as a fella because they often have to balance work with running a family. "

" My family come from Cyprus. Both my father and my grandfather worked on the British bases there, and as the British government granted independence to Cyprus, they granted British passports to those who worked with them. "

" I try to support local traders. The service makes up for any extra cost. "

Theo Paphitis

Cost

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

" The eight years I spent at Millwall were among the best times of my life. "

" 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. "

" 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. "

" When I was on 'Dragons' Den,' most of the letters I received were from people under 16. They wrote about their ideas, their views, their challenges. The audience is actually a very young audience. "