Born in Scotland, now exiled in Midlands, academic/freelance journalism background. Have written widely for Guardian Unlimited, Observer Cash and other personal finance outlets on a variety of issues, including aspects of travel, particularly travel insurance. Love travel and sharing my experiences through words and pictures. Recently have become adicted to no-fly travel and will gladly advocate the advantages of trains, boats, bikes and boots to all who want to listen, and those who don't! Enjoy combining and communicating my love of cycling, walking, history, culture and relaxation, as well as illustrating that an active holiday can also be an indulgent one.