Wish you were here - Tom Holt

Welcome to your Heart's Desire.
It was a busy day on Lake Chicopee. But it was an eclectic bunch of sightseers and tourists that had the strange local residents rubbing their hands with delight.
There was Calvin Dieb, the lawyer setting up the property deal, who'd lost his car keys; there was Linda Lochuck, the tabloid journalist who could smell that big, sensational story; there was dumpy Janice DeWecoe, who was just on a walking holiday but who longed for love. But, most promising of all, there was Wesley Higgins, the young man from Birmingham, England, who was there because he knew about the legend of the ghost of Okeewana and what she promised. Just immerse yourself in the waters of the lake and receive your heart's desire.
The only drawback was that it was Okeewana who decided just what that was . . .
And it isn't always what you have in mind. Ask the ghost of Talks with Squirrels, the Indian brave who still dwells hereabouts. Or those very polite Vikings whose boat keeps on sinking.