Counsellor - I think Beckles may have solved your problem...

Another thing you could try doing (if you use Netscape) is going into your preferences, down to the 'Advanced' section and into the 'Cache' subsection. Once you are there, make certain that the 'page in cache' is *not* compared to the 'page on network' every time. Mine is set on 'once per session', and this works well. If I do want to see an updated version of the page I am looking at I hit the 'reload' button.

MS-IE should have something similar in its preferences settings.