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Mr Richards worked in a small seaside town and he and his wife had a comfortable house near the see during the winter they were quite happy there but every summer a lot of their relative used to want to come and stay with them because it was a nice place for a holidays and it was much cheaper than staying in a hotel.

Finaly one June Mr Richards complained to an intelligent friend of his who lived in the same place one of my wifes cousins intends to bring her husband and children and spend ten days with use next month again how do you prevent all your relatives coming to live with you in the summer oh the friend answer that isn’t difficult I just borrow money from all the rich ones and lend it to all the poor ones after that none of them come again

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