I know Ems wants to work here for a few more years and I cannot blame her for wanting that too.

I am quite prepared to wait, and like you say Joe, there are lots of plans to make before we both can say this is it. The longer I stay here the more we shall have, but time is running out very, very fast now,

I think this coming next year will make a big difference for me with the new pension plans coming into force, who knows, plus our visit this xmas to the Phils too.

Seeing the house that's not built and how the family is to us both.

With everything I do in life, I stand back and think about it. That's a good thing for me - might pee off Ems sometimes - but we get there in the end. STILL NO LOUIS VUITTON BAG, but I am running out of excuses now for that.