for twenty-four hours a day, seven days a week, you can do what you bloody well choose,” Eva Wotton reminds herself at the start of Argument with the East Wind (1986), the last of Joan O’Donovan’s three novels about older single women trying to find the place in the world that...
Aim to save too much, and spare cash won’t be going where it might do you more good long-term. (Think paying off a mortgage, or investing in higher growth assets.) Cut your cloth It’s better to think about your emergency fund in terms of your monthly after-tax income rather than...
Annual Report & Accounts 2013 Contents OVERVIEW Croda at a Glance 01 Our Highlights STRATEGIC REPORT 02 Chairman's Statement 04 Chief Executive's Statement 06 Who We Are & What We Do 08 How We Operate 10 Where We Operate 12 Our Market Place 14 Our Business Model 16 Our Strategy 18 Our ...