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At 3:15 pm on May 27, 1968, the submarine USS Scorpion was officially declared missing with all 99 men aboard. She was somewhere within a 20- mile-wide circle in the Atlantic, far below implosion depth. Five months later, after extensive search efforts, her location within that circle was still undetermined.

I rarely visit coastal holiday areas so it was a pleasure spending a couple of days in Tauranga recently. I stayed in Papamoa which runs along a very long beach and is full of holiday homes.

Investors dream of making money safely, reliably and in large quantities. Unfortunately, it is impossible to have all three of those things at once, so you have to compromise on the amount of risk and return, while factoring in your personal needs, time frame and tolerance for risk.