As James Hay Partnership's Neil MacGillivray discovered on a recent cycle ride, preparation and the right products are crucial - particularly when it comes to retirement.
I was out on my road bike a few weeks ago, enjoying the ride even though it was a cold, dull, windy, and damp day. Feeling good, I decided to push on a bit further than normal and took a road home that I had never previously ridden. A few hundred metres up this lonely, desolate road, with the wind now driving rain across the open fields, I discovered I had a puncture. On stopping, there was nowhere to shelter and nowhere to rest my bike to repair the puncture. Thinking there might be some respite from the wind and rain further back down the road, or better still given the conditions, ...
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