While on holiday this year Margaret and I decided to spend a day on the beach.  It's not something we always do, I've never really liked the abrasive mix of sand and sun cream!

On the particular beach we visited there is a strong northerly drift. People regularly enter the water to splash around but...

As we journey through life we’re bombarded with many offers.  Bargains for sale, items we’re told we simply just can’t live without, incredible once in a life time opportunities which, if missed, may never come again. Never underestimate the power of a good sales person. I remember vividly on one occ...