 This is your roving reporter, and today I'm talking with a beach bum. Oh, yeah, like Cowabunga, dude. And you spend most of your time here on the beach. Oh, yeah, man. Everything I need is here at the beach, you know. What about when you have to deal with money matters? I just called my friend David Ernest at 334-279-7431 or 205-479-0839. I understand he's one of the best in the business.