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Unfortunately, there aren't a lot of "driving instructors" - many try to sell you the car, the car insurance, car seat covers, a tow bar, paint protection, and a nodding Hello Kitty to sit on the dash......... :( Also, how do you tell a "good instructor"? The Y-man

That's an interesting viewpoint Simon - I admit, we would never have built up at the speed we did (out of desperation) unless our experience with the "one stop shop" happened. Wasn't pleasant mind you (getting our deposit stolen by them etc), but it did get the boot in. The Y-man

I don't think I have ever absolutely had to actually talk to "my team" (lawyers, brokers, property managers etc) on the phone except maybe the realestate agent sales rep when buying a propoerty - who are usually happy to talk after hours anyway. The Y-man

Wattleido said "the net". If you haven't got access to a phone, you can email at night and weekends. Not the end of the world. Same with accessing the web. Do it at night. I get that the little one needs looking after - but think of it as the extra mile you need to go for them, not just...

At the risk of sounding like I am blowing my own trumpet, go to http://somersoft.com/forums/forumdisplay.php?f=4 and read all the stories BEFORE going to talk to the service. The Y-man

One-to-one could be as good or bad as many-to-one. Of course in the situation of many-to-one, you can get confused to heck because every pundit has a seemingly different opinion. But on the flip side, for a one-to-one, how do you tell if the one you select will give the "right" advice? (might...