Consider what might be missing.

Principle One: Reciprocation. When you give something to someone they feel obliged to give something back in return. If you want to receive, give first. The best salespeople use this all the time. They give value first.

Stay curious. Improve the quality of questions before getting to work on answers. Use more questions to see beyond the obvious answers. Improve group dynamics by ensuring there is enough attention given to asking the right questions. Be interested.

Plain-spoken, firmly held views, are what count. Mark Twain quipped ironically that “all you need is ignorance and confidence and the success is sure”.

Everyone is unique for good reason. Embrace your uniqueness. Nothing in this world is perfect, and at the same time everything is.

The high road is the road of acceptance, awareness, perspective and perseverance.

If you are invaded by thought-based fear, seek to recognise and closely observe the thoughts.

Here we introduce four cornerstones of sensible saving. Cornerstone One: Maximise your capacity to save.

Pillar Three: Look for long-term friendship that is grounded in mutual respect and enjoyment of each other’s company.