For those dreaming of the joys of owning a yacht, Nick Ridley offers encouragement as well as a look at the harsher reality of financing your dreams

LITERALLY no jobs come in over the Christmas period,” Jenna said. Lola Everett looked into her sister’s face, which was like her own but six years younger. “But is that true?” she asked. Jenna had a h

IT wasn’t the weather that bothered Gina so much in winter. It was the lack of light. She craved sunshine, blue skies and the kind of white light that elevated whole days, lifting the spirit and promi

HAMISH, I’m just going down to the shops to buy another couple of workbooks for the children,” Nora called out. Hamish rolled his eyes. “They’d probably prefer to collect tadpoles from the pond in the

OK? Ready?” “Yep.” Fi smiled at Brand. She then picked up the bags full of presents, hoping her face had been convincing. There had been a time when she’d loved these family gatherings at Christmas bu

RUTH climbed the narrow path to Windlow Hill. She had a canvas bag in one hand and her mother’s old cardigan tucked under the other. Below, the village looked almost as it had in her childhood – white