I read an article in The Guardian  today that really pissed me off. For those familiar with the money section of The Guardian, they run an article every so often focusing on how different people spend their money. The column is called How I Spend It. Now, I realise that it is not meant to be an advice piece, much like my blog. I’m not a financial advisor. I have some financial qualifications like a Certificate in Mortgage Advice and Practice which means I am qualified to give mortgage advice. But I’m not a financial advisor. I’ve read extensively around money, budgeting and how people accumulate either wealth or debt. I may not be qualified but I think I am knowledgeable and experienced.
Anyway, in this article the young woman talks about how she “invests” in experiences. I agree that life is for living and that we should not live to work. However, experiences in the sense of holidays, restaurants, drinking and so on are not investments in my opinion. They are luxuries. In my experience, the average person who prioritises experiences over building a solid foundation of wealth based in assets will inevitably accumulate debt. The telling thing for me in the article came near the end when the young woman explains that her Dad bought the property she lives in and she pays £250 per month for the mortgage and an extra “couple of hundred” for the bills. Unless there is some extraordinary set of circumstances, this woman is paying under market value for her “rent” and probably not paying the full cost of the bills either. I’m not saying this is wrong; her Dad has obviously helped her out but I don’t see the benefit, or point, of the article. It’s not giving the average person any real direction on how to spend their money apart from a vague argument for the benefits of living in the now and spending disposable income on “experiences”.
It really grates on me when people promote this idea of living in the now and “it’s just money”. What does that even mean? “It’s just money?”
A few days ago Yahoo Finance  reported that the Financial Conduct Authority released a report stating they may recommend that the minimum payment requirement on credit cards be scrapped. Apparently this will increase the amount people repay on their credit cards. Let that sink in. Removing the minimum payment requirement will increase the amount people will repay. I can sort of see how this would work for some people, but only those who are financially literate already. Unfortunately, in my experience, most people are not financially literate.
Over the years I have known and interacted with a number of financial professionals from brokers to advisors. Many of them do not practice what they preach and are heavily in debt with credit cards being the main type of debt. According to The Money Charity , in January 2018 UK credit card debt stood at £70.35 billion, or just over £2,500 per household. I was speaking to a friend of a friend today, who had been pointed in my direction as my friend knew I have an interest in money. This friend of a friend was heavily in credit card debt and was thinking of taking a loan to pay the debt off. Their credit card debt stood at a little over £20,000 and had accumulated over the course of three years through normal day-to-day spending. A rough, back-of-the-napkin calculation suggests that debt must have increased by roughly £500-£600 per month, every month for three years. The loan would have a repayment of £280 per month over nine years at roughly 9% interest. Not bad compared to the high rates being charged on some of the credit card statements I was looking at, with total monthly payments on the cards coming at just under £600 for the minimum payment.
My first question to this person was; “what will you do with the credit cards once you pay them off?”
The person thought for a moment and admitted they would keep them open as they wouldn’t get used as they would be saving £300 per month with this loan. Think about what you know about this person. Are they saving £300 per month?
Let’s look at the numbers again.
The credit card debt has been growing for three years at roughly £500-£600 per month.
The minimum payment is roughly £600 per month. Interest is being charged at almost 19%. For the sake of simplicity, I will talk in general terms now. Each payment being made is roughly half interest and half capital. This will obviously change over time so long as no debt is being added to the total. After maybe thirty monthly payments, the monthly payment of £600 will be 80% capital and 20% interest. What is missing here?
The person through normal day to day spending has been increasing their credit card debt by £500-£600 per month. So, as they pay £300 off the capital, they are actually increasing their capital by a minimum of £200 per month. It’s not sustainable and will only lead to one outcome; default and possible bankruptcy.
I say again; debt increasing by £500-£600 per month. The person pays £600 per month, but on the interest charged only around £300 is coming off the debt which is increasing at a faster rate (£500-£600 per month) than it is being paid off (£300 per month).
So, coming back to my question “what will you do with the credit cards once you pay them off?”
Simply saying you will be saving £300 per month with the loan is financial insanity. You are already losing £500+ per month. If they clear their credit cards, they still have to make the loan payments of £280 per month. On top of that their debt will start to increase by roughly £200-£300 per month and in a few years they will end up right back where they started.
Scrapping minimum payments on credit cards is not the answer. Increasing the minimum payment is. Those people who live life in the now with no regard to money are more likely, in my experience, to live beyond their means and build up credit card debt that can never really be repaid. Inevitably these debts are written off as, per the old saying “you can’t get blood from a stone” but that is why my APR is 19% instead of half that. That is how the credit card companies get their money and make their profit.
If you can afford to live a good life and enjoy experiences without getting into debt, like the young woman in The Guardian article, then great. More power to you. Enjoy your life. With that fortune comes responsibility to make sure that you understand how your privilege permits you to do this and how it is not possible or responsible for other people to necessarily follow in your path.
I think credit cards can be a fantastic tool. I have a credit card that takes some real hammer. Almost all my disposable income is, in some way, filtered through my credit card. I do this because I earn Avios points (air miles) but I near enough always reduce the balance to zero within a few days or weeks of spending on it. My credit card comes with a modest fee (£30ish per year) and for that I can use the card abroad with no fees or commission. It’s a fantastic tool in the right hands. The APR is pretty scary at almost 30% but I rarely am charged interest because I reduce the balance to zero almost instantly. I am not anti-credit. I am anti-irresponsible lending. In my opinion credit cards should come with much tougher affordability assessments. It’s just so easy to get credit, even after the crash of a decade ago.
If you are struggling with debt then I strongly recommend you contact Stepchange, a government backed charity that can assist and advice on matters relating to debt.
Sheffield Wednesday and the 2018/2019 Championship
It’s been a bit of an understated summer for Sheffield Wednesday. We have seen the squad trimmed a little with the departures of Jordan Rhodes to Norwich on loan, and Glenn Loovens and Ross Wallace leaving for Sunderland and, probably, Wigan respectively. The sale of Jack Hunt to Bristol City for a reported £1.5 million is good business in my opinion. Even with these departures, and that of Frederico Venancio, we still have a sizable squad. I’ve seen a lot of people posting that we need to sign players to remain competitive. Some of these postings are almost hysterical in their panic.
A few things to remember. In the last three seasons we have finished in the play-offs twice and with the worst injury crisis in living memory we still finished 15th. As the players started to come back from injury our fortunes improved. We picked up 20 points from our last 10 games. We were improving.
I don’t claim to be in the know when it comes to our financial situation but it does not take a genius to work out that we must be pushing up against the financial limits imposed by the governing body. Far from a fire sale being needed, it will not take that much to generate significant improvements in our financial position. It’s not the transfer fees that are the problem but rather the wages. At a guess (and I readily admit I could be way off the mark here) releasing, selling or loaning Ross Wallace (£10,000 per week), Glenn Loovens (£5,000 per week), Jordan Rhodes (£20,000 per week), Frederico Venancio (£5,000 per week) and Jack Hunt (£5,000 per week) will save at least £2.34M a year. On top of the reported transfer fee for Jack Hunt we will have saved over £3.5M without spending on an incoming transfer.
One of the brightest parts of Jos Luhukay’s time in charge so far has been the introduction of youth players into the first team squad. Ash Baker and Jordan Thorniley did not look out of place in their appearances. Adam Reach grew as a player, as did Lucas Joao. Atdhe Nuhiu finally showed exactly what he is capable of and deservedly won a new contract for his efforts.
Looking forward to the season I expect a few more players will probably depart. It’s looking likely that Keiren Westwood will be on his way which will be a shame. He is a fantastic ‘keeper but we have two very capable ‘keepers in reserve. If we can bring in a couple of million for Westwood and free up his wages then we will start to look even more healthy financially speaking.
Last season we paid the price for a lack of fitness. I don’t care what anyone says, from what I saw we were just not fit enough. This, coupled with the injuries, suggests that something was not quite right. I am hopeful that Jos Luhukay will have addressed this and that this coming season will see a normal level of injuries, or maybe fortune will smile on us and we will be injury free. It would be about time we had some luck in this area.
I hope we play to our strengths in the coming season and focus on attack. We have, arguably, the best attack line in the Championship even with losing Jordan Rhodes. We have Steven Fletcher, Gary Hooper, Fernando Forestieri, Lucas Joao, Sam Winnall and Atdhe Nuhiu. In midfield we have Adam Reach, Barry Bannan and Kieran Lee who can all score goals. We need to let these players play to their strengths. We will concede but we will score more than we concede. If we try to work on our weakness we will just end up with an average defence and attack. If we focus on our strengths, we will have a scary attack and a competent defence which we can always strengthen in January if we are at the right end of the table. Failing that we have an entertaining season with plenty of goals. Once we pass through another year of the rolling three-year profit and sustainability checks we can invest again in 2019/2020.
This season is not about expectation. It’s about rebuilding. I am quietly optimistic that this season will be a lot of fun and that’s what football should be.
Is there a single compelling argument in support of the World Cup being hosted in Qatar?
I don’t think there is, but there are plenty of arguments to support the 2022 World Cup being given to another nation.
An article in 2012 from The Guardian  reported that there had already been over 500 deaths from migrant workers that year. Many of these workers are from nations such as India or Nepal who travel to Qatar for work in construction. The BBC cite a report from the International Trades Union Confederation  which suggests in 2012 over 400 migrant workers from India and Nepal died in Qatar with similar numbers reported in 2011 and 2013. In January 2017 a 40-year-old man residing in Britain died in Qatar whilst working on one of the stadia for the World Cup. Zachary Cox fell over a hundred feet when the safety equipment he was using failed . The Guardian  reports findings from the inquest into Mr Cox’s death which state the equipment was not fit for purpose.
The best article I have read on the subject comes from The Independent  which highlights step-by-step how the migrant workers are given false promises of work with good pay and then find themselves in debt from the moment they arrive in Qatar which low wages, horrible living conditions and worse working conditions. There are no euphemisms to cover this up; it is slavery.
Despite lots of figures being thrown about we cannot state definitively how many people have died building the World Cup 2022 stadia. We do know that hundreds of migrant workers have died in Qatar over the last few years. Does it really matter if these workers died building sports stadia instead of hotels and train stations? The point is that they died in what many sources claim to be poor working conditions. FIFA does not want to be political, but by ignoring the situation they are being political. It’s impossible to not be political in a situation like this.
I had reservations about watching the 2018 World Cup because of the situation in Russia but in my opinion what is happening in Qatar is much worse. In the last day or so fresh reports have emerged of alleged corruption at the core of the Qatari bid for the World Cup . It will be interesting to see how this all plays out. I hope that human decency prevails and the World Cup is taken from Qatar. Football is a global sport and I wholeheartedly agree that it should move from nation to nation, continent to continent with each tournament.
So I’ve been asked a few times by different people about the things I invest money in. I’m not a qualified financial advisor, so I’m always reluctant to give advice as such. When I talk about money I find that most people are not very receptive to the conversation. I see either a blank look in their eyes or irritation or even anger. I love food and I love travelling. I post a lot of pictures of the food I eat and the places I travel. People ask how I can afford it. It’s not about having lots of money but rather how you manage that money.
A previous post of mine detailed how even just on minimum wage it is possible to get by with some basic money management and an awareness of where your money is going. Obviously every person’s circumstances are different. I will not tell you how to spend your money because I’m not qualified to do that. What I would recommend you do is take some time to really analyse what you spend your money on. Read some books, articles, blogs. Listen to podcasts. Read the financial pages of newspapers online. There is a wealth of information out there for free about how to manage money. Some of the information is better than the rest. I can’t tell you what the golden rule is but as a general rule, if it sounds too good to be true then it probably is. If someone says they can make you millions overnight, then it’s almost certainly not true. In my own personal experience, making money is a process. It requires thought, action and experience. This is my experience. What follows does not constitute advice or a recommendation.
I want to make money. I want to be wealthy. I don’t want to have to work. I want to be able to do what I want, when I want, where I want, with whom I want. The lottery is a con. Gambling will only lose you money in the long run. And as far as I know, I don’t have a wealthy uncle in Luxembourg ready to leave me millions. As such, the responsibility for making money is on me alone.
When I first started looking at how to make money I did some really stupid things. I invested in the stock market without really doing any research. This was just another form of gamble. I lost money. I wanted the quick hit and although some people do make insane money from the stock market, from what I can tell you need serious capital upfront to make overnight riches. I personally believe the stock market is a fairly risk free method of making money long-term but I appreciate there is always the risk that the company I invest in could go under and I lose my money. However, my thought process is roughly as follows.
I don’t put all my eggs in one basket though. I have shares in five companies. I’m not going to name them as I don’t want to be seen to be making a recommendation, but they are spread across different sectors and are all listed on the FTSE. I made sure to research each business thoroughly after being guided through different books on sharedealing. A good starting point in my opinion is the book Shares Made Simple for which I will include a link at the bottom of this article if you want to buy it on Amazon. A major factor for me is passive income; that is income generated without me actively doing anything. Part of the reason I chose these shares is because I receive dividend income in ten of the twelve months of the year. I’m earning around 4% on these shares each year; that is 4% of the value of the investment. Compared to the best savings account my bank offers (2%) it’s a no brainer for me. But I’m fully aware of two things; the value of my investment can fluctuate drastically over the short term and it might not be possible to quickly release the money invested if I need it.
Another way I am investing my money is through crowd funded property. There are several websites out there that offer this service. There is also peer-to-peer lending. The internet is great for this sort of thing. Before I signed up to invest my money I monitored the website I use for months. I researched it. I read reviews. I thought about it and thought about it and then made the decision to invest.
Investing without research is gambling.
All of this requires you to actually have money to invest though. There’s no magic solution here either, you have to have more money coming in than going out. Most people I speak to have absolutely no idea where their money goes. They don’t budget. They simply live payday to payday. I check all my accounts daily. I check all my investments daily. I have a monthly budget spreadsheet which details all my commitments and the days they are due. It sounds like a lot of work. It isn’t. It takes five minutes each day, or less. There was time to be invested upfront. It took time to go through my accounts and through the direct debits. It took time to set the spreadsheets up but all a spreadsheet replaces is a pen, paper and calculator. The best thing I ever did was track every penny spent on a normal month of household shopping. I thought I knew how much we spent on groceries. I was way, way out. Again, it sounds like a lot of work but it isn’t. How much work is it to have a note on your phone, or a post-it on your fridge, with a running total of how much you have spent on food? You can’t know how much you have to invest until you know how much you are spending. If you have more money going out than coming in, then I guess you’re in trouble and I would strongly recommend you seek financial advice at the earliest possible opportunity. There are resources out there with the Money Advice Service, Stepchange and Citizens Advice.
"Live in days. Work in months. Think in years. Plan in decades."
I don’t know where that quote comes from. I stumbled across it sometime ago and it struck a chord with me. My plan for over a decade has been to build a foundation to allow me to retire from work by the time I am fifty. I’m on track to do that earning just above the UK national average wage. I am using the power of compounding to help me along with this.
“Compound interest is the most powerful force in the universe.” Albert Einstein. Possibly.
There is some debate over whether or not Einstein actually said this but it is hard to argue with the statement. Compound interest is where interest is earned on interest. For example; if you have £100 and that earns 5% interest then you will have £105. If you earn another 5% then you do not have £110. Instead, you have £110.25. If you have £100,000 and you earn 5% then you will have £105,000. If you earn another 5% then you will not have £110,000 but rather £110,250. If you project this over years and decades then the power of compounding really starts to snowball.
As well as investing a proportion of my salary into investments each month all the money I earn from those investments in put back into those same investments. My money is making me money. This is the secret of passive income.
I have a figure in my mind; a figure for the income I need to have the life I want without having to work. Once my passive income hits that figure, then I will retire.
Live in days. Work in months. Think in years. Plan in decades.
Will my plan work? Maybe, maybe not. But I think my plan is better than no plan. Most people I speak to don’t have a plan beyond working until the age they can draw a pension and they see this as a safe option. Well there have been enough well publicised pension scandals recently to make me doubt how much more safe this is than educating oneself and taking control of ones’ own financial future. Especially when you consider many of these pensions tend to be tied to stock market anyway!
Like I said, I’m not a qualified financial advisor. I don’t have any professional experience in investments or pensions. I’m just someone who has read a few books and decided to tackle my future head on. What works for me may not work for you. If you want to learn more then there are a vast number of books out there on the subject of money. Some of my favourites are linked at the bottom of this article to their Amazon listing.
Thanks for reading.
So I saw a meme on Facebook about Tory Britain. Here it is:
Now, I am no friend to the Tories but something about this just did not sit well with me. I’m going to explain why.
According to gov.uk, the national minimum wage for those aged over 25 is £7.83p/h. Over a 40 hour week this comes to £313.20p/w, or a basic salary of £16,286p/a.
Assuming that this person has a standard tax code then they will take home, after tax, just over £1,200pcm. So, two incomes at minimum wage would be £2,400 net.
What are the standard living expenses?
Using Sheffield as an example….
What are people spending their money on?
I’ve worked in banking on and off for roughly ten years. I think I have a decent handle on what the average person spends their money on, and for the most part it’s on luxuries that people believe are necessities. For example; in the above calculations I talk about mobile phones. There was a time when people did not have mobiles phones and it was not that long ago. Today, a top of the range smartphone could set you back over £1,000 if you buy it without a contract. If you get this type of phone on contract then you can easily spend £40 a month or more on top of an upfront cost which, many but not all people, will stick on a credit card. This is where the cycle starts.
I don’t have Sky, Virgin or BT TV packages. I pay for Netflix, Amazon Prime and occasionally get a pass for Now TV. In my mind, these are luxuries. They don’t cost much in the grand scheme of things, maybe an average of £20 a month, but I would cancel them without a second thought if keeping them meant I would slowly sink into debt.
The National Lottery. What a rip off. It is a tax which occasionally might pay off but you could play it for decade after decade and only lose money. I just checked the cost of the tickets; £2 for the National Lottery and £2.5 for the Euromillions. One ticket per play each week will set you back around £26 per month. Whenever anyone wins on the lottery and I see a post like “I just won £100!”, I ask a few questions; “When did you last win?” and “How much have you spent to win that £100?” It’s like the person who throws £20 at a fruit machine and wins £10 and walks away feeling smug.
I went out for a few drinks with my girlfriend the other week. We don’t drink much. Not because we are militant about anything, it’s just we don’t generally like the hustle and bustle of busy nights out. We had maybe six drinks between us. This came to over £20. Many of my friends will go out a minimum of once a week and have twice as many drinks and the obligatory takeaway after. That £20 I spent could easily be spent two or three times over.
On top of this is the lunches, takeaway coffee each day, foreign holidays, day trips, cinema, clubbing, new TVs, new computers, games consoles and so on, and so on. The Tory government is crap. Labour is not much better. But please, stop blaming other people for your lack of basic money management. Yes, I know, there are people that are unlucky and get into a spiral of debt through no fault of their own. People who manage their money very well but have circumstances beyond their control. This post is not aimed at those people. It is aimed at the ones who will spend and spend and spend money that they don’t have, on things that they don’t need, and then complain that they have no money.
I mentioned before that paying for those things on credit card is where it all starts. Credit cards are great when used correctly. They should not be used for long term debt. The rates of interest are high and getting into that mentality just means that you are more likely to keep adding to the debt rather than manage your money in the here and now. If you add £50 to your credit card debt each month from the age of twenty-one and only pay the minimum payment each month then it is entirely possible you will have thousands in credit card debt by the time you are thirty. The sting in the tail is that by the time the debt snowballs to that level, the minimum payment will be much higher which means you might then be running at a monthly deficit. This leads to more credit card debt or worse; payday loans.
It’s absurd that money management is not taught at a young age in this country. It should be a basic part of schooling from an early age. There also needs to be a shift in attitudes towards what is a necessity and what is a luxury. Of course we all want nice things but to state that “40 hours a week is barely enough to pay rent and utilities even with dual incomes” is just false in many cases. Perhaps what is more accurate is that “40 hours a week is barely enough to pay rent and utilities even with dual incomes when we also go abroad twice a year and watch Sky Sports on our 50 inch flatscreen whilst scrolling through Facebook on our brand new smartphones which replaced the ones that still worked but were no longer considered cool.”
In the internet age there is a wealth of information freely available. There is no excuse for not educating oneself and checking the accuracy of claims posted by other people.
If you are interested in learning more about money there are several books I can recommend. Rich Dad, Poor Dad by Robert Kiyosaki and Money by Rob Moore. I’ve included links to them on Amazon below.
Edit - if you are struggling financially I would strongly advise that you seek help from at least one of the following sources:
The Money Advice Service
Buffy: The Vampire Slayer - reboot
It was always going to happen. It was simply too brilliant of a show to not come back. Buffy is coming back to our screens and it seems as though a lot will change. Buffy was very much grounded in its setting in late 1990’s early 2000’s California. It was only in the very last season that mobile phones made a major appearance. There are many major plot points that could have been avoided with the characters having mobile phones; the first that comes to mind is Buffy sprinting across town to get to the library to stop Drusilla from killing Kendra. The second major change is going to be the actors. The original cast is so well associated with the roles that any reboot is going to cause controversy in the casting. It would be like trying to reboot Friends with a new set of actors; it would never please anyone. The one thing I do agree with is that the show needs a more diverse cast. The entire primary cast of Buffy was white. Off the top of my head, I can only think of a couple of characters played by non-white actors. Robin Wood is the first one that comes to mind, played brilliantly by D. B. Woodside who would later go on to play Wayne Palmer in 24. D. B. Woodside was involved in one of my all-time favourite Buffy scenes. Robin Wood lures the vampire Spike into a fight trying to avenge his mother, a former Slayer that Spike killed. When Wood fails and Spike spares him, the acting performance given by Mr Woodside was fantastic. It was pure anguish and despair.
Robin Wood and Buffy Summers
I’ve wondering many times how a reboot would work and done some imaginary casting myself. The problem now is that any new cast will be in the shadow of those who came before. I don’t think I could imagine anyone other than James Marsters playing Spike, for example, and anyone would does come in will always be compared to the original. Perhaps the best way forward is to stick to the spirit of the original show rather than a straight up copy. I’m thinking how Battlestar: Galactica turned the character Starbuck into a female character which ultimately become one of the most compelling characters on the show. The word is that Buffy will now be played by a black actress. When I heard this news, my mind starting thinking about who could play the part. I’ve come up with two possibilities, one which I feel is probably too ambitious and the other may be a random choice. The unrealistic option would be Letitia Wright but her success with Black Panther means she can probably have her pick of roles. I’m not sure if she would want to go from playing in one superhero story to another. If she did, she would nail the part. My other option is, as I say, possibly a little random.
Ajiona Alexus in 13 Reasons Why
Ajiona Alexus has just starred in 13 Reasons Why as cheerleader Sheri Holland. The only sticking point here is that she has recently been cast in Light As A Feather, a show about teenage girls fighting supernatural forces. Seriously. In reality, the casting will probably elevate a relatively unknown actress. Although Buffy was named after the central character, most of the success of the show came from the ensemble cast. My immediate first choice to play Giles would be James Frain. Having starred in The Tudors, True Blood, Gotham and Star Trek: Discovery and showing a fantastic range across all those shows, I am convinced he could make the part of Rupert Giles his own. Another piece of fantasy casting would see Jason Isaacs cast as The Master, the Vampire villain of the first season of Buffy.
Although almost no information is available yet about the cast and crew planned for the reboot, it seems as though Joss Whedon will return as Executive Producer. In reality, this could mean anything from hands on involvement day-to-day or it could be a credit only for his work in creating one of the greatest television shows in history and one that arguably kicked off the idea that women could be compelling, strong heroes in their own right. I just hope that this reboot succeeds without tarnishing the legacy of this great show.
I’ve just returned from a couple of days in London where we managed to do something I’ve wanted to do for a long time. I was finally able to see H.M.S. Belfast, a Second World War Light Cruiser that fought with distinction in several battles. Those who know me well know of my passion for military history, in particular the Second World War. It was humbling to step foot on this ship and walk the corridors and decks that many brave men served, fought and died on during many years of service.
H.M.S. Belfast as seen from our river cruise.
Six of the warship's twelve Mark XXIII 12-inch cannons. Each could fire a shell over fourteen miles, and it was stated that an experienced gunnery crew could fire at the rate of eight volleys per minute.
40-mm anti-aircraft guns.
Another passion of mine is food and in London I booked us a table at Twist, a fusion tapas restaurant.
We had two very enjoyable meals at this restaurant with the only downside being the question mark over whether we were served the right Hennessy at the end of the meal. It certainly did not taste like the drink we ordered. I would still go back for the food, which ranks amongst the best I've eaten in the UK.
The absolute highlight of the trip was walking through Mayfair and seeing this dude who looked vaguely familiar stood ahead, waiting on the corner for a woman and girl to cross. It was only as I brushed past him and did a double take that I realised it was Woody Harrelson (or his identical twin brother). My girlfriend was also stunned and together we "marked out" a little. Good fun. If I'd had more nerve and he wasn't with his family I would have asked for a photo.
Critic. Writer. Thinker. Observer. Creator of nowwelive.com.