KEY POINTS:
Here is a readers' list of the 10 most irritating phrases:
1. Do you have a fly-buys card?
2. Is the homeowner there?
3. In any way, shape or form.
4. I myself personally.
5. Perfect storm.
6. He/she gave 110 per cent.
7. "My bad" instead of "sorry, my mistake".
8. "Pacific" instead of