tax havens third millennium man

That whole ‘Tax Havens’ thing – an objective commentary

Just at the time when the UK Government urgently needs something to divert the public eye away from the #Brexit calamity, something bigger conveniently pops up.  Although it’s never been made clear who was behind the ‘Panama Papers’ leak (was an employee of Mossack Fonseca unjustly wronged, and this leak is his or her revenge?) the fact remains that this powerful political tsunami is going to sweep into the land of the wealthy and powerful, destroying everything in its path.  We at Third Millennium Man have discussed very little else just lately; here’s our take on “that whole Tax Havens thing“.

Mum’s nowhere near Iceland.

First of all, there’s the predicament of the Icelandic Prime Minister.  Remember the start of the economic downturn, when so many British local authorities and companies had money stashed in Icelandic banks, earning far higher rates of interest over and above what UK banks were paying – only to lose vast chunks of it, or all of it in some cases, when the Icelandic banks went belly-up?  Although there was officially a news blackout (though there was nothing about that at the time in the newspapers…) it was reported through Internet channels that the fair people of Iceland kicked off big time, almost on the verge of civil war.  Bankers were imprisoned, and the Icelandic authorities just about survived intact.

Due to the news blackout the UK failed to follow suit, which is why the financial crisis in Iceland was over and done with and back into prosperity within nine months; in the UK, we’re still feeling the pinch, the Bankers are still earning million-pound bonuses, and the people haven’t reacted angrily other than the odd Facebook post or a strongly-worded letter to the paper.  The UK Government (and the mayor of London) spent money on riot precautions such as Water Cannon, but nothing ever materialised.  The people never rose up, the riots never came, so the austerity measures have been allowed to gradually increase.

back in Iceland though, it transpires that at the time of the economic upheaval, Prime Minister Sigmundur Gunnlaugsson had millions stashed away offshore, in a company joint-owned by his wife.  That’s proved to be enough to instantly push the Icelandic people over the edge, and those people know how to protest.  Mr Gunnlaugsson has resigned (in less than 24 hours after the leak) but now claims that the company is now owned outright by Mrs Gunnlaugsson, who hasn’t made an appearance in the media yet; she’s enjoying her fortune down in the Caribbean, we hope.  In any event, the Icelandic Prime Minister is the first political casualty – perhaps he’s on his way to a sun lounger next to his wife as I write this.

Will there be other casualties?

Well, there are a lot of questions being made of the British Prime Minister David Cameron in relation to his late father, Ian Cameron.  The Prime Minister says he “does not gain from offshore funds” ignoring the fact (which is obvious to everybody else) that Dad paid for little David’s education at Eton, a roof over the family’s head, and all the rest of it.

No doubt David’s inherited something too.  Unless dear old Ian had his loot changed into Traveller’s Cheques and took it all with him.  If he has inherited anything substantial, where is it?  You’re probably thinking what we’re thinking…

There are also rumblings about Dave’s stepfather-in-law, who has delicate tax matters of his own to contend with.  We’re clearly all in this together.

Mr Cameron has made it clear that his father’s offshore arrangements with Tax havens “are a private matter”.  We however see this as payback for the awful way the comedian Jimmy Carr was treated over his tax affairs.  You reap what you sow, Dave.  You and Jimmy Carr, you’re both in this together.

It’s interesting to note that there’s currently far more about the Icelandic Prime Minister in the British press right now, than there is about the British Prime Minister.  Strange, that….


tax havens third millennium nan
This offshore bank has branches everywhere.

So what is so wrong with Tax Havens?

Nothing, if you are stinking rich and you’d like to stay that way.  Plenty, if you’re a greedy, money-wasting Government teetering on the brink of bankruptcy, like in the USA, Britain, and most of Europe.

We have socialists such as Labour’s Jeremy Corbyn.  he says that Tax Havens in British oversea territories should face direct rule if they don’t comply with UK Tax Law.  He also says that the UK Treasury loses up to £7.2Bn a year, to tax avoidance and tax evasion.

This is the bit that Third Millennium Man takes an exception to.

First, there’s that figure.  Seven billion, two hundred million pounds, each year.  Does that sound a bit like a made-up number to you?  The fact is, nobody actually knows.  It’s a made-up figure, but it sounds about right and it’s doing its job.

Secondly, there’s the money itself.  Remind me, whose money is it?  It is money earned (or maybe given to) some lucky individuals.  The thing is, it’s their money, and they’d like to keep it. It’s not £7.2Bn that’s been robbed from UK Government coffers, it’s £7.2Bn that the UK Government would really like to get their hands on.

So the socialist press can pretend it’s theft as much as they like; they can paint a woeful picture of greedy fatcats stealing money out of the NHS safe, or hanging up a CLOSED FOR BUSINESS sign in a school so they can gleefully run off to Panama with a wheelbarrow full of cash.

These wealthy individuals know that it’s their money.  And be honest, if you were in their position, you’d want to keep as much of your own cash as you possibly could too.

(While we’re on the subject – why do politicians only ever speak of “schools and hospitals” when they talk about money?  And not the billion-pound refurbishment of Westminster, or the £22Bn loss when RBS is sold to Tory backers at a discounted price?  Or the two payrises MPs have received this financial year, totaling over 11%?  Or the MPs who have become millionaires since taking office?  Or their expenses – take a look at what your local MP claims for….)

It’s perfectly possible to obtain dual-citizenship nowadays.  We know Field Service Engineers and Sales Executives who have two passports so they can work in Israel and the USA, and then Saudi Arabia and Iran (yes, we know that passports and citizenship are two different things, but the point is that anyone with the means and the patience can do it).

So if you are a citizen of two countries, where do you pay your taxes?  I’d choose the country that’s the most advantageous – which in this particular instance, means the one where I’d pay the lower taxes.

Punish the millionaires Mr Corbyn, and they will disappear.  And probably take their businesses, jobs and UK investments with them.

Tax Avoidance – v – Tax Evasion.

The current fashion is to demonise wealthy people, by blurring the distinction between these two notions.

Tax Evasion is deliberately NOT paying Tax.  People do go to prison for it, and they go for very long periods of time.  Break the law and face the consequences.

Tax Avoidance however, is LEGAL (though journalists seem to enjoy calling it ‘unethical’ and ‘immoral’!  I thought highly biased reporting was immoral and unethical, myself….)

We’ve all done it in some way; anybody that’s invested money in a tax-free ISA is, by their definition, immoral and unethical.  Anyone that’s deposited small, regular amounts into their kid’s Child Trust Fund deserves to be named and shamed as a tax-dodger.  If you’ve ever bought Duty Free booze at the airport, then hang your head in shame.  A professional gambler of our acquaintance keeps accurate records in order to minimise his tax burden, as his winnings are tax-free.  What a scumbag.


money business idea million pounds third millennium man

“Any one may so arrange his affairs that his taxes shall be as low as possible; he is not bound to choose that pattern which will best pay the Treasury; there is not even a patriotic duty to increase one’s taxes.”

Judge Learned Hand, Helvering v. Gregory, 69 F.2d 809, 810-11 (2d Cir. 1934).


There is NO OBLIGATION – legal, moral, ethical or otherwise – to pay as much Tax as you possibly can.

If you take nothing else away from reading this article, then please re-read that sentence and absorb it.  Bear it in mind the next time you watch or listen to the News, and you’ll see just how deceptive these biased reports are.


tax havens overseas bank third millennium man
Just because. That’s why.

The other benefits of Tax Havens.

Okay, there’s one obvious one.  If you have billions – okay then, maybe just millions – salted away in one of those Tax Havens that’s also a beautiful and exotic holiday destination, then so much the better.  You can go and visit your money once or twice a year.  And, if things get a little too uncomfortable at home (as it will surely do for some over the coming weeks and months) then you can always stay there permanently.  You’ve got enough there to keep you in island luxury for the rest of your days.

The other main benefit?  Money held in a Bank Account in another country is a pretty good Get Out Of Jail Free card.

When the banks of Iceland went belly-up, Sigmundur Gunnlaugsson wasn’t too worried.  As Prime Minister, he knew it was on the cards, and made sure his assets were where the Icelandic authorities couldn’t touch them.  And until just a short time ago, he was still getting away with it.

When the banks of Cyrus imposed Capital Controls, such as being able to withdraw a maximum of €60 per day (in a country that uses cash a lot more than it uses debit cards) it only affected people with Cypriot Bank Accounts.  Tourists with German Bank Accounts were able to withdraw as much as they needed, up to the normal €500 limit.

Much has been made of Economic Migrants traveling across Europe in search of a land of milk and honey, and free houses and benefits.  Nothing at all has been made of the guys who flew over First Class, welcomed into Europe as they already have money and property there.  If war broke out in the country you currently live in, think how much easier it would be to start a new life abroad if you already held assets there.

Seen the film Gone With The Wind?  Rhett Butler, anticipating the Civil War, had already taken his assets overseas.  Which is why he makes only the occasional appearance throughout the three-hour film, and speaks frequently of his trips to London and Paris.  Neither side in the civil war could seize his assets, unlike so many poor victims of that terrible time.  Bet you didn’t already know that.

We hear a lot of stories and anecdotal evidence of Investors and Moneymen who believe that the finances of the country they live in are about to take a turn for the worst.  American debt (well over $19Tn by their own figures) is unsustainable, and the economies of the UK and mainland Europe are not far behind (which probably explains why all this fuss over Tax Havens and revenues is being made in the first place).

Your money in a UK Bank is only protected up to £75,000 per account holder, per institution.  That sounds like a lot, but not if you run a cash-rich business or if you’ve just sold property and you’re waiting for the conveyancing to finish so you can reinvest.  If the Banks invoke Capital Controls at an awkward time, then you’re up the proverbial creek without a paddle.

It is far better to keep your assets beyond the reach of those who might seek to steal them.  Keep your biscuit tin where the kids can’t reach it, keep your valuables in a safe where burglars can’t get them, and keep at least a portion of your assets overseas, preferably in Tax Havens with an agreeable climate.  Your Government is not your friend.

We know of people who have broken the Law.  Two individuals come to mind, who we know were innocent.  The first was held and convicted on Drugs charges, and his assets were seized under the Proceeds Of Crime Act 2002.  He was released on appeal but, nearly twelve years later, he is still awaiting compensation for his assets.  Apparently he’s supposed to ask for them in court, with no money after the courts confiscated it all, and no entitlement to Legal Aid.  How different things would have been had he saved a portion of the generous assets he had accumulated though his legitimate, profitable business, and stored them beyond the reach of the UK Authorities.  YES you can do this legally, but afterwards is always too late.  The second individual faced similar treatment, but on different charges.

Tax Law is incredibly complex.  Thousands and thousands of pages of new Tax legislation are produced by Governments, almost daily.  Which says to us at Third Millennium Man that the Laws are not there for you to obey.  They are there to trip you up, so your assets can be stolen from you, under the terms of that Proceeds Of Crime Act 2002.  Can they do that?  They certainly can.  Your Government is not your friend.  But they can’t do that, if your assets are beyond their grasp.

Hence, the witch-hunt for those who store assets overseas in Tax Havens.  They want your assets where they can steal them.  Not that there’s anything unethical or immoral about that.

In conclusion.

This news story is going to run and run.  We at Third Millennium Man have nothing to worry about; we wish that we did, because that would suggest that we are all millionaires.  As Tax Havens are only really of benefit to those with several millions in the Bank, we can’t see it being a problem any time soon.  If only it was…

We do however note one thing that the Media at large has missed.  We think it’s been missed on purpose, because it hits right at the very heart of corrupt Governments and the wickedness of the people involved.

Watch and read the News carefully.  You will find much outrage is still to come, when Officials are seen to be embezzling funds from Government departments, companies, and storing the money overseas in Tax Havens, in the mistaken belief that they will never get caught.  What I would like to know is this.  How can someone who is so greedy and corrupt obtain, and is then be allowed to remain in, such a position?

Get rid of the greedy people!  If we really are “all in this together” then we the public need to see for ourselves that this is actually happening.  Stop wasting billions on hunting down overseas millions, and stop the real criminals.

At the start of the economic downturn, the UK Government introduced some hefty ‘austerity measures’ designed to bring in more, spend less, and reduce the UK national debt.  In the meantime, everything that isn’t nailed to the floor has been sold off and privatised.  However in the last Budget, it was announced that the debt has risen, and even harsher austerity measures are to be introduced.  Quite why NOBODY seems to be asking the Government what have you done with all our money is, quite frankly, a mystery.  Perhaps it has been siphoned off – and is already spread around different Tax havens all over the World.  There’s still a lot more to come out of the ‘Panama Papers, so stay tuned for more revelations.




overseas banking offshore tax havens third millennium man
“Right, I’m just popping to the Bank, love. Back in six weeks….”


There’s a lot here about Tax Havens to discuss!  Use the Comments box to tell us what you think.

Positive criticism only.  And NO SPAM please!


your rights if you are arrested in the UK

YOU’VE BEEN ARRESTED! So what happens next? (UK law)

Whilst habitual criminality is strictly against the Third Millennium Man principles of becoming a better man, it is also true that the best weapon in a gentleman’s arsenal is simply to be prepared.  So this post is simply here to help you be prepared – by way of knowing your rights, knowing what to expect and knowing what to do – should you ever be arrested in the UK.

To arrest you the police need reasonable grounds to suspect you’re involved in a crime for which your arrest is necessary.

The police have powers to arrest you anywhere and at any time, including on the street, at home or at work.

The police arrest procedure

If you’re arrested the police must:

  • identify themselves as the police
  • tell you that you’re being arrested
  • tell you what crime they think you’ve committed
  • explain why it’s necessary to arrest you
  • explain to you that you’re not free to leave

If you’re under 17 the police should only arrest you at school if it’s unavoidable, and they must inform your headteacher.

The police must also contact your parents, guardian or carer as soon as possible after your arrival at the police station.

Police powers to use reasonable force

If you try to escape or become violent, the police can use ‘reasonable force’, eg holding you down so you can’t run off.

You can also be handcuffed.

The police have powers to search you when you’re arrested.

Okay, time to stop and think about this.  When the police tell you what is going on, and that you are being arrested, they will ask you if you have anything to say.  This is when you tell the officer that you DO have something to say, and that you would like him to write it down.

First, you confirm your name and address.  You say it clearly, slowly enough for the officer to write down, and spell out for him any awkward words.  You then say the following; “I am NOT resisting arrest.  I do, however, intend to sue for WRONGFUL ARREST, after I have been released.”

Why would you do this?  Because the police are adverse to legal action as much as anybody else.  You have stated your intention to sue them for Wrongful Arrest (a statement they will take very seriously); you have also made it clear who you actually are, effectively cancelling out their “mistaken identity” get-out excuse.  And by stating clearly and calmly that you are not resisting arrest, you remove the threat of any rough-handed treatment.



When you are Arrested.

1. When you’re arrested

If you’re arrested, you’ll usually be taken to a police station, held in custody in a cell and then questioned.

After you’ve been taken to a police station, you may be released or charged with a crime.

Your rights in custody

The custody officer at the police station must explain your rights. You have the right to:

  • get free legal advice
  • tell someone where you are
  • have medical help if you’re feeling ill
  • see the rules the police must follow (‘Codes of Practice’)
  • see a written notice telling you about your rights, eg regular breaks for food and to use the toilet (you can ask for a notice in your language) or an interpreter to explain the notice

You’ll be searched and your possessions will be kept by the police custody officer while you’re in the cell.

MAKE SURE that any searches, and anything you hand over, are recorded.  That way there is no question of you getting your stuff back.  And by making the process slightly longer, the more likely the officer is to treat you with a great deal more care.  YOU ARE WITHIN YOUR RIGHTS to get everything like this written down; there’s even a tiny chance that the officer may get fed up with the laborious paperwork burden and release you a little sooner….

Young people under 18 and vulnerable adults

The police must try to contact your parent, guardian or carer if you’re under 18 or a vulnerable adult.

They must also find an ‘appropriate adult’ to come to the station to help you and be present during questioning and searching. An appropriate adult can be:

  • your parent, guardian or carer
  • a social worker
  • another family member or friend aged 18 or over
  • a volunteer aged 18 or over

The National Appropriate Adult Network provides appropriate adult services in England and Wales.

Your rights when being questioned

The police may question you about the crime you’re suspected of – this will be recorded. You don’t have to answer the questions but there could be consequences if you don’t. The police must explain this to you by reading you the police caution:

“You do not have to say anything. But, it may harm your defence if you do not mention when questioned something which you later rely on in court. Anything you do say may be given in evidence.”

2. How long you can be held in custody

The police can hold you for up to 24 hours before they have to charge you with a crime or release you.

They can apply to hold you for up to 36 or 96 hours if you’re suspected of a serious crime, eg murder.

You can be held without charge for up to 14 days If you’re arrested under the Terrorism Act.

When you can be released on bail

The police can release you on police bail if there’s not enough evidence to charge you. You don’t have to pay to be released on police bail, but you’ll have to return to the station for further questioning when asked.

You can be released on conditional bail if the police charge you and think that you may:

  • commit another offence
  • fail to turn up at court
  • intimidate other witnesses
  • obstruct the course of justice

This means your freedom will be restricted in some way, eg they can impose a curfew on you if your offence was committed at night.

3. Giving fingerprints, photographs and samples

The police have the right to take photographs of you. They can also take fingerprints and a DNA sample (eg from a mouth swab or head hair root) from you as well as swab the skin surface of your hands and arms. They don’t need your permission to do this.

The police need both your permission and the authority of a senior police officer to take samples like blood or urine, or to take dental impressions.

This doesn’t apply when they take a blood or urine sample in connection with drink or drug driving.

Information from fingerprints and samples is stored in a police database.

You can find out if your information is stored on the police database by getting a copy of your police records from your local police station.

You have to write to your local police (England, Wales and Northern Ireland) or local police (Scotland) to have your personal information removed from the police database.

They’ll only do this if an offence no longer exists or if anything in the police process (eg how you were arrested or detained) was unlawful.

4. Legal advice at the police station

Your right to free legal advice


Note to Third Millennium Men – ALWAYS have legal representation.  If you don’t have a solicitor, then take the offer of free advice.  We don’t care how often you’ve watched Luther, the Duty Solicitor knows far more about the Law as it affects your case than you do.


You have the right to free legal advice (legal aid) if you’re questioned at a police station. You can change your mind later if you turn it down.

How you can get free legal advice

You must be told about your right to free legal advice after you’re arrested and before you’re questioned at a police station. You can:

  • ask for the police station’s ‘duty solicitor’ – they’re available 24 hours a day and independent of the police
  • tell the police you would like legal advice – the police will contact the Defence Solicitor Call Centre (DSCC)
  • ask the police to contact a solicitor, eg your own one

You may be offered legal advice over the phone instead of a duty solicitor if you’re suspected of having committed a less serious offence, eg being disorderly. The advice is free and independent of the police.

Being questioned without legal advice

Once you’ve asked for legal advice, the police can’t question you until you’ve got it – with some exceptions.

The police can make you wait for legal advice in serious cases, but only if a senior officer agrees.

The longest you can be made to wait before getting legal advice is 36 hours after arriving at the police station (or 48 hours for suspected terrorism).

You have the right to free legal advice if you are questioned by the police.

5. Complaining about your treatment by the police

Contact the police force you want to complain about if you’re unhappy about how the police have treated you.

Police forces must refer certain types of complaints to the Independent Police Complaints Commission (IPCC.)


What to say and what to do if you are ever arrested in the United Kingdom
Hopefully, you’re now informed enough to stay out of HERE.

As usual, if you have any comments you’d like to add, please use the box below.  Positive criticism is appreciated; and please, NO SPAM!

24 things you can do to make your life INSTANTLY better

The Internet seems to be packed with plenty of advice on how to invest your hard-earned money, so you can make your life easier.  But what about investing in you?  Isn’t that a more direct way to make your life better?

The whole idea behind Third Millennium Man is to help you find ways in which you can make that happen, as well as looking after your money (and everything else).  It’s our intention to bring you the stuff right away that might take you years to figure out on your own (if you figure it out at all).  So that, in a nutshell, is what this article is about.

Here are twenty-four pieces of advice that can instantly make your life better, from your friends at Third Millennium Man.


Make your life better by no longer smoking

1. Don’t smoke.  If you do smoke, stop immediately.

Gone are the days when smoking made you look cool.  Think about how you feel about guys who smoke pipes.  How nerdy and goofy do they look?  Well that’s how you look, smoking a cigarette.

Much as we like the idea / image of smoking a Cohiba Behike cigar in celebration of something or other, that’s over £500 a pop we could always find another use for.  One cigar, or a luxury weekend break for two?  Tough call.

Smoking is expensive.  It stinks, and makes your clothes, hair, car, and house stink.  It turns your fingers and your teeth yellow.  Worst of all, smoking is 100% guaranteed to cause health problems.

Don’t look upon it as “giving up”.  Those words have negative connotations.  Do something a bit more positive, and STOP.

2. Always wear a moisturiser; preferably one with a SPF15 sunscreen.

Do you want wrinkles?  What about paper-thin skin from sun damage, or bruises from just lightly brushing against furniture?  Think your skin just peeling away is a good look?  Carry on without a sunscreen then.

Your skin is the biggest single organ your body has.  Skin cancer isn’t just a matter of cutting out the nasty pieces, it’s a potentially fatal condition that can lead to other cancers.

We all know those handsome celebrity-types that seem to have been around forever, yet seem to be aging well, hanging onto their looks?  They use a moisturiser.  It’s a first step towards keeping your great-looking skin great-looking for years to come.

New to skin care?  Swallow your pride, dress up really nice and visit a High Street Chemist (there are some gorgeous women who work there!) and ask their advice.  These ladies are trained to help you ferret out the right product for your skin type.  Make sure your everyday moisturiser contains SPF15; various brands might also contain a coloured tint, pentapeptides, witch hazel, or might be oil-free.

Look after your skin; we’ll be looking at a skin care regime for men in a lot more detail, another time.

money business idea million pounds third millennium man

3. Start saving money regularly (even if it’s just a tiny bit).

Yeah, I know.  Boring, right?  Life’s too short, party hard, YOLO, and all those other ‘live-for-the-moment’ slogans.  Spend it while you’ve got it.

The trouble is, life often has a way of messing that one up for you.  You end up still living with Mum & Dad in your 30’s.  Your circle of close drinking buddies grows ever smaller as they gradually pair off and grow families, until there’s only you left.  What have you got to show for it?

The thing is, until the wife / family / mortgage comes along, you are very unlikely to ever have this much money to yourself ever again.  That money – your disposable income – isn’t just for drinking and having a good time.  There’s nothing wrong with that, but that isn’t all that your money’s for.

That said, there’s no need to live like a Monk.  Life goes on.  You are allowed out now and again.  Just start a regular savings habit, with an amount you can easily afford (though the more the better), and set the ball rolling.  Arrange for it to automatically leave of your bank by direct debit on the day you get paid, and you won’t even notice it’s gone.

One day further down life’s rich road, you might be glad of it.  Make sure you shop around for good deals first – Money Saving Expert is a good place to get unbiased advice.  Be sure to check out Friendly Society policies, ISAs, Trusts; and always factor tax payable, plus any fees, into your calculations so you know what return you can realistically expect.

4. Maintain (or repair) relationships with your close family.

By which, we mean Mum, Dad, brothers and sisters.  Even if you’ve had very complicated relationships with them in the past, you still need to get on with them – for your sake, their sake, and your children’s sake.

It goes way beyond knowing there’s a spare kidney out there with your name on it.  Family ties are extremely important. Soon or later as you become a Third Millennium Man, the revelation that your family is the most valuable thing you’ll ever have, will dawn on you.  Those are some wonderful people out there – in fact, why not text or call them today…..

5. Take up a sport.

Get into an active lifestyle right now, and you’ll be a lot healthier by the time you’re 50.  Don’t just “join a gym” – gyms are boring places. Gyms work best, in our experience, as a means to an end.  Find a sport, and use the gym (if you have to) in order to get fit for that sport.

Think about what would be fun to do, and then discover it.  Ever tried skiing?  Marathon running?  Bike racing? (hint: criteriums are the biggest adrenaline rush it’s socially acceptable to have while dressed in Lycra….)  Climbing?  Hiking?  Salsa-dancing?

Discover a new hobby – competitive sport.  Don’t put on weight, get regular exercise, get plenty of fresh air, and have some fun!

6. Collect memories rather than things.

There used to be a mobile phone Ad with the hook “You are every one-to-one you’ve ever had” (or something like that).  You are the sum of your experiences.

Don’t wake up one day, sixty years old, in the realisation that you’ve wasted life gathering possessions. Yes things are nice, but they aren’t everything.  Some of the most enjoyable things in life cannot be held in your hand.

Memories take up zero space.  They don’t gather dust, don’t depreciate in value, and won’t ever get destroyed by a house fire.

7. Give something back.

Giving beats receiving.  So give to others, with a happy heart, so you feel the goodness that service brings.

A Third Millennium Man will be known for his generosity.  He’s certainly not an easy touch for wise-guys and rip-off artists, but he’ll be the first to sponsor schoolkids, to give to charity, or to donate to causes generously.

Always carry pound coins in your pocket, and never be afraid to cheerfully give one to each homeless guy you see sleeping in a doorway.  It’s not enough to buy drugs or booze, but it will pay for something warm in his stomach (yes, you can argue that they “should go out and get jobs” – but first, he’s got to survive tonight.  That’s where you come in).  The point is that you are in a position to help.  Life has given you so much (the means to read this, for example).  Put something back.  Whether you believe in karma or not.

Why not give that most precious commodity in life – your time?  Some of my happiest memories are when I helped out at a Homeless Shelter (the stories those guys can tell…..and the filthy jokes!), serving Christmas dinner (soup & rolls) to a grateful crowd.  I gave up my all-night volunteer work with the homeless when I got married and became a father; nowadays I’m a volunteer at my kid’s school instead.

8. Learn to be content with what you have.

Stop surfing the Internet, drooling over expensive consumer goods that are beyond your grasp for one minute.  You won’t die if you don’t have the latest, massive TV or the newest console.  You can manage without that mansion or that yacht.  Do you know how much it costs to maintain a mansion anyway?  Trust me, you’re better off avoiding them (and hiring your yacht instead…)

Being happy and content is what matters in life.  Far more than the goods you own.  Far more than worldly success.

If you are content with what you’ve got, then yes, you may be a bit less likely to end up a millionaire.  You won’t have that hunger or ambition; but you won’t have that ulcer or stress-related early death either.  Instead, you’ll have a happier life.  And if you do become a wealthy person (it might happen) you’ll be a more happy, fulfilled and productive wealthy person.  A Third Millennium Man indeed.

That does not mean to say you shouldn’t ever aim for anything in life.  In fact…

9. Don’t delay pursuing your ambitions.

Want to buy your first property?  Raise a family?  Sail a yacht?  Emigrate?  Write your first book?  Go back into education and get a degree?  Change careers?  Perform some stand-up comedy?  Learn to play the piano?  Learn to cook a great steak? Learn to dance properly?  Run for election?

Then start today.  Stop dreaming, start driving. Welcome to Third Millennium Man territory.

It’s the easiest thing in the world to put things off. “I’ll get around to it eventually.” But with every passing year, your ambitions get slightly farther out of reach.  Time starts to accelerate, and keeps accelerating, and suddenly the chance to live your dreams will have gone.  The time that you’ll get around to those dreams should be NOW.

You are writing your own life story.  Here’s your chance to add a little action and excitement to the plot!

internet computing computer third millennium man

10. Start a business.

True enough, we’ve all heard the success stories of people who have started successful businesses later in life.  But why leave it until then?

NOW is the time to put wheels in motion.  Do it while you can give it your full attention.  Do it before your new wife appears in your life story and suddenly you have kids to think about.  Right now you can be selfish.  You can give your business you all.

Don’t put this one off!   That dream lifestyle can be yours, if you put the legwork in now.  In fact, your smashing friends at Third Millennium Man have even simplified the initial process for you, so you can create and test your next million-pound business idea in one single afternoon.  Aww, you’re welcome…

Do the legwork now, while you’re still young (remember, you’re younger now than you will ever be at any time in the future) and you have the enthusiasm and the energy.  You have the rest of your life to enjoy the spoils!

11. Get some sleep.

Stop burning the candle at both ends.  Stop staying up half the night.  You are not nocturnal, you are just in bad habits.  Grow up a bit, and get into the habit of establishing a proper bedtime.  To help you to do just that, I have a suggestion.

Sleep deprivation leads to some horrible symptoms, that you won’t even notice even though they will eat away at you.  You have no energy.  Your thinking is blurred.  You feel, and look, terrible.  Everything is too much effort.  And you’re so irritable!  Oh yes you are….

Sometimes we have every intention of going to bed at a proper time; “but I’ll just do this first.”  Suddenly, you’re looking at yet another late night.  How do you break the cycle?

First, I decide what time I want to wake up.  Yes, most folks set an alarm to wake themselves up – but me, I set my alarm for bedtime, plus one hour.  I set an alarm for nine hours before I want to wake up – when the alarm goes off, it’s my cue to get everything (all my “I’ll just do this” jobs) done and out of the way.  One hour later, I’m in bed.  I awaken refreshed, around the same time each morning, after eight good hours of sleep.

Spend some cash on better bed linen; look for 100% cotton, with as high a thread count as you can find.  Buy more than one set, so you can keep them laundered and fresh.  If your quilt & pillows are over two years old, treat yourself to some lovely new ones (look for hypoallergenic, machine-washable ones, to keep ’em nicer for longer).  And while we’re on the subject, how old is your mattress?  Think of what you’d find in a luxury hotel, and aim for that standard.  We spend (apparently) one-third of our lives in bed, so don’t skimp.  Make it a quality experience, and you’ll find you just can’t wait to go to bed!

Invest in some proper blackout blinds for those nights where it doesn’t get fully dark until 11pm and the sun starts to rise around three.  They’re handy for blocking out streetlamps too.

Keep away from bright screens immediately before sleep (try reading instead).  And make this into a habit; give your body a chance to get used to proper sleep cycles.  You’ll soon start to feel tired at bedtime, and wake up naturally before your alarm goes off.  Don’t knock it until you’ve tried it – it’s a heck of a way to start the day!

life, happiness, dentist
No, we’re not big fans of these things either.

12. Take care of your teeth.

Oh, I know.  Your teeth feel fine, don’t they.  So there’s no need to visit a dentist.  Dentists make up half the problems anyway – if he says you need a filling, you just let him do it (without question or getting a second opinion) and pay the bill.  And you never see a skint Dentist.

That is crazy talk.  Teeth don’t heal up the way that other body parts do, and your Dentist is limited in what he can do once the problems arise.  Dentists are not magicians, but they can do a lot to head off problems if they catch them in the early stages.

Go and get registered with a proper Dentist.  Go visit once every six months. Dental problems just get worse, and crowns, bridges, implants and so on are expensive, bothersome and uncomfortable.  You’ll also look terrible; those new clothes and haircut won’t do anything to make up for that hideous Ogre impression every time you smile.

I hate going to the Dentist.  It’s inconvenient.  And all he does is poke them a bit, tell me they’re fine but to brush them a bit better, and give me a bill.  So what do I do to justify the inconvenience?  I book a double appointment, and go see the Dental Hygienist immediately afterwards for a beautiful clean & polish that I can actually feel with my tongue.  That, my friends, is well worth the money.

And if you fancy it, ask your Dentist about teeth whitening.  You’d be amazed at how inexpensive yet effective it can be, done properly by a qualified and trained Dentist.  It’ll do more for your appearance than anything else.  That new suit or leather jacket (for about the same price) can wait.

13. Stop eating junk.

Okay, so you’re not a kid any more.  It’s time to grow out of eating burgers and fries with your bare hands, and graduate to using cutlery.  If your idea of fine dining is a stuffed-crust pizza and a two-litre bottle of Strongbow, then it’s time to re calibrate and redefine your standards.


Firstly, there’s your health.  Come on, you know that fast food contains way too much salt, fat and horrible chemicals.  You don’t put cheap nasty fuel in your posh new car, so why do the same thing with your own body?  For the sake of your health, start making changes.

Learn to cook quality dishes yourself.  Eat at least one ‘raw’ meal a day (meaning fruit or salads).  Watch your salt intake, and drink plenty of water with a drop or two of lemon juice if you don’t care for the taste.

(The best diet advice for a Third Millennium Man?  Avoid any food that is (or could be) WHITE.  That cuts out sugar, salt, flour, dairy, rice, pasta, potatoes and solid fats like lard.  Try it for a month and watch the weight drop off!)

Secondly, there is this whole thing about junk food that’s at odds with being a Third Millennium Man.  You only have the one life, and it’s down to you to make the most of your time here that you possibly can.  Which to most of us means fewer trips to the chippy and more sophisticated fine dining.  You never see James Bond tucking into a deep-fried Mars Bar, do you?  And your date will react differently to a flame-grilled burger than she would to a sophisticated restaurant with a resident pianist and a wine waiter (and not only because of what she’ll be wearing).


Obviously we’re not recommending that you dine out all the time – it’s bad for your wallet as well as your waistline – but this post is all about living a better life.  Try some magnificence on a plate (and a glass) once in a while and taste just how wonderful life can be.

14. Go on an adventure.

Get off your computer, leave your house and plan an adventure right now.

Make it as big as you dare.  Take lots of pictures, take a little risk, take a step into the unknown, and take a companion.  Some guys take a train up to Scotland with just a loaded rucksack; some guys rent a car and drive around Europe; some ride Route 66 on a Harley.  Some go on train-rides across Asia or earn passage across oceans on board cargo ships.  Think big, and make it happen.

For the record, adventures are measured in days, not hours.  Think BIG and enjoy every moment.  You’ll be entertaining your grandchildren with stories about it one day.

ten amazing books every man needs to read, by Third Millennium Man

15. Read a book a month.

This comes with the caveat, not the same book every month.  It has to be something that holds your interest and challenges you.  We’re giving you a head start by recommending ten absolutely fantastic books that we believe EVERY man ought to read; these have the potential to change your life forever.

Novels are fine, but a Third Millennium Man needs to read a lot of self-improvement material too.  As well as our shortlist, we recommend looking at Speedreading, Memory Improvement; Meditation, Mindfulness; Salesmanship, Communication Skills; Business, Investment, Money Management; History, Travel or Philosophy as interesting topics to take a look at.

If you can, build it up to one book a week.  Allowing for Christmas, holidays, things like that, we believe that puts you on for over 40 books a year.

That, gentlemen, is more than you’d read for a PhD.  Just think; a PhD in improving YOU.

Start getting into the regular reading habit today.  Our advice would be to invest in physical books rather than eBooks if you can; books can be referred back to and passed on.  eBook readers are beneficial only from a portability point of view.

Your brain never stops growing, so exercise it, train it, and squeeze the most you possibly can out of it.

16. Learn to meditate.

The benefits that come from meditation are incredible.  Just taking some time out of your day – ten minutes or so – to centre yourself is all it takes.  The benefits to your health, your state of mind, and so much else makes it so worthwhile.

Don’t just take our word for it.  There’s plenty of scientific study that backs our assertion up.

Nobody’s talking about wearing Kaftans or burning Josticks.  You haven’t accidentally drifted onto the Third Millennium Hippy website. It’s just a simple way to centre yourself, and bring body, mind and spirit together.  Stop running around like a headless chicken and try this…..

Just find a quiet place where you can sit quietly, undisturbed and free from distractions; set your alarm for 10-15 minutes; close your eyes and consciously relax every muscle, mentally counting down as you relax and sink deeper into a relaxed but alert state; keep your mind empty and clear, without stressing over things that pop into your head; when your alarm goes, bring yourself back to the surface, happy and refreshed.  It can be as simple as that.

There’s a wealth of resources out there to help you too; we strongly recommend the excellent website Calm as a free starting point.

17. Travel. As much as possible, whenever you can.

Didn’t we do all this in number 14 (Go on an adventure)?  Well no, not really.  Here, we are talking about just travel.  Which can mean something as simple as varying your commute a bit, to going on holiday, to having the odd weekend citybreak.

Why not get off the bus home a stop or two early, and walk the rest of the way?  Vary the travel routine a bit, and you’ll see all the joys that you’d ordinarily miss.  Think of a European city – fancy going there this weekend?  You’d be amazed how cheap last-minute deals like that can be – and the difference they make to your health and state of mind.

“Travel broadens the mind” is one of those well-worn cliches that just happens to be completely true.  Travel changes you like precious little else can.  It will position you in places and situations that will encourage you to consider issues that are far bigger than you.  It’s about experiencing true risk and adventure so you don’t have to live in fear for the rest of your life.  Welcome to life beyond the comfort zone!

18. Stop comparing yourself with anyone else.

This court finds Facebook guilty of aiding and abetting this crime.  When your peers constantly post “Flying First Class, lol” selfies, and holiday snaps in places you’d love to go to one day, and pictures of their new car / motorcycle / jetski / partner / second home, then it’s hard to not get caught up in it all.

Yes I know, it’s human nature.  The truth is, you can NEVER be these people.  And it’s a waste of your own life to even try.

What about being YOU?  Nobody does the things you do.  For all you know, these ‘friends’ of yours buy all this junk to compensate themselves for not being you!  I’ve been successfully telling myself that one for years now….

There comes a point in life where you no longer care what people do.  A Third Millennium Man does care in a way – I wouldn’t want any harm to befall anyone I know – but so what if they’ve got a new car?

If you want a new car, then just go out and buy one!  But buy the one YOU want, not the one you think will impress those people on Facebook.

Find your own path.  Live life on your own terms.  Be strong.

19. Keep a diary.

​If you’ve read The Business Idea Factory: A World-Class System for Creating Successful Business Ideas then the chances are that you’re already keeping a journal and writing down all those wonderful, brilliant ideas that just seem to flow into your consciousness.  Excellent stuff.

If not, then do. You will definitely forget far more of your amazing ideas and precious memories than you’ll remember.  Your written records will entertain you in your future, and help you keep track of how your life story has unfolded.

Your phone / tablet / computer ought to make such archiving a doddle to implement and retain/recall.  Put text files into appropriately-named folders on a dedicated external hard drive, along with photos, scanned documents, Google Earth locations, and so on.

Your kids, or perhaps your surviving spouse, may someday love you even more for it.

20. Cherish your friends.

Family?  They are already close.  You’re joined by blood.

But as well as these people, make it your life’s work to bond with individuals who make you feel like you already are your best self.  Folks who challenge you by their example, and whose company you truly, genuinely enjoy.

Nurture these relationships.  Laugh with them.  Go places with them.  Spend quality time with them.  Be yourself with them.  And be silly too.

Contribute to their lives (this isn’t a one-way arrangement – it wouldn’t be as fulfilling if it was) and to their enjoyment of life.

Take the time every week to be in touch.  It’s what pubs were made for.

21. Buy your own house.

A Third Millennium Man is a man of means.  Not only in terms of cash-flow, but by way of investments.  And the single biggest and most worthwhile investment a man can make is in a property of his own.

There was a time in my life when I was against the idea of awning property.  The idea of being tens of thousands of pounds in debt at a young age didn’t sit well with me.  I didn’t like the lack of mobility that came with property ownership; if the job-of-a-lifetime came up in the opposite corner of the UK, I’d be out of the running.  And it seemed to me that as soon as you own your own property, you’re surrounded by people trying to take it off you again; ex-wives, relatives, the local authority who want to put you in a Nursing Home, or maybe the police who have you confused with a drug dealer.  You never know – it might happen.

But look at the facts.  Property has, over any five-year period since World War II, appreciated in value.  It has left any bank account interest in its wake.  I once sold a house I’d lived in for five years, and looked at what I’d bought it for against the selling price.  Over 60 months, the house had earned more money each month that I did.

Anybody, anywhere, that has ever made a lot of money, has held investment property as a cornerstone of their money management strategy, regardless of the original business they’re in.  Why?  Money in the bank earns interest, but the capital remains the same; money invested in income property earns interest (in the form of rent paid) AND the capital increases, as the value of the properties they own goes up.

Owning a property means that you’re a better credit risk than if you didn’t own one.  Lenders will fall over themselves to offer you money, which you can then invest in your new business, income property, or whatever you fancy (note: try to avoid spending borrowed money on depreciating assets such as holidays or vehicles).

There’s so much to buying property – and even more to making some SERIOUS money in property – that we won’t be able to cover here.  Instead, we’ll make a full-length post all about it at some point in the future.  Stay tuned.

But forget about the financial benefits for a second.  It’s also about having a place that you can call home.  A place you can welcome friends, family, and beautiful dates back to.  A place that’s yours.  A place you can relax in, keep your stuff in, decorate and furnish the way you like, and make an extension of you.

Make a start on this as early as you can.  Done the right way, you’ll be out of your mortgage while you’re still reasonably young and fit, with extra money to enjoy (that you used to pay in mortgage payments), as well as owning one heck of an asset that your descendants will remember you for.

22. Stop worrying about things in life you have no control over.

It’s pointless.  Utterly, utterly pointless.

Why put so much effort into upsetting yourself when there’s only so much you can do about things?  Why make yourself ill with so much stress, so much anger.

There will always be inequality in life.  There will always be something, somewhere that’s unfair.  By all means, do your part to bring about change, but recognise that you can only do so much.  And you certainly can’t do anything at all if you’ve been driven to suicide, or if you have high blood pressure or an ulcer.

Chill out.  Relax.  And look at number 23 as an antidote to all that stress.

 nature, life, happiness, joy, man

23. Spend some time in nature.

Get yourself out of that concrete jungle.  Arrange to spend some time out of the office.  Do something.

You don’t have to go far.  We’re all pretty much within range of some green space or another.  Even the Parks in Central London will do, if you only have your lunch hour.

Ever fancied taking up gardening?  Here’s a good reason to do so.  And if that isn’t your bag, get the holiday brochures in for a weekend away.  If you’re reading this in a city, you are surrounded by beautiful countryside.  Go take a look at it.

Go to the beach.  Go for a walk in the park.  The mountains.  Get a dog.  Find a way that enables you to forget the daily grind of our manufactured, unnatural existence, and surround yourself with the majesty of the natural world.

Why arrange to meet that cute girl you know for a coffee, when you can invite her to join you for a walk?  It’s romantic, it’s original, it’s informal, you’ll be on neutral territory, it will lower her guard (as she will have no idea how to react or behave), you’ll find plenty to talk about, you’ll both get air and exercise – and it’s free.  You could even pull an ace and bring along a picnic.  Just make sure you check the weather forecast first!

Don't ask her out for a coffee, invite her to join you on a walk instead. life.
Yeah, you know how to do it.

If you are the Boss, why not arrange for a little nature for your team?  It doesn’t have to be much – a weekend’s team-building exercise, or even Paintballing, is all it takes to recharge your key personnel’s batteries.  And they will be talking about how wonderful it was – and how effective you are, as a leader, as a Boss – for ages.

Make a regular habit of it, and receive the benefits over and over again.

24. Go on a Social Media diet.

We’re big fans of correct etiquette here at Third Millennium Man.  Have you ever been to one of those dinner parties, where folks seem more interested in their phones than the other guests?  I’m not the only one that thinks that’s unspeakably rude, am I?  They aren’t likely to be invited again….

You do not need to be on Social Media the entire time.  You do not need to have your phone glued to your hand.  Look up once in a while, and you’ll see there’s a whole world out here waiting for you to interface with it.

Social media addiction is a problem.  Yes it’s good in small doses.  It’s informative (it might even have brought you HERE to our smashing website) but like any other drug, it can take over your life.

Looking at pictures of cats doing stuff can be funny.  Looking at pretty girls is also, erm, quite agreeable to us all.  But if you are constantly checking your Facebook feed while you’re supposed to be sleeping / eating / driving / working / spending quality time with those closest to you, then it’s time to come off there for a few hours.  Nobody’s going to die because you didn’t ‘like’ their photos.

Does most of your social interaction occur through your games console?  Listen, it’s not healthy to spend 14 hours or so playing a game.  Now and then, OK.  Anything that takes over your life like that, is robbing you of your life’s essence.  Recognise that as fact, and deal with it.  You, sir, are missing out.

And while we’re on the subject, how often do you check your emails?  Make a habit of only checking your emails twice during the working day, and you’ll find your time is a lot more productive.  Why not set up an Autoresponse to internal email, along the lines of “Thank you for your email.  I check my emails twice daily at 11am and 4pm, and will respond (if required) after that time.  If you require a response faster than that, please feel free to call me on…..” giving your telephone extension number.

Put your phone down.  It will instantly make your life much better, when you see all the real stuff you’ve been missing!

That includes THESE things too.


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