Holiday Happy Snap: teach me how to use a polarising filter!

My wife and I recently went on a holiday up to Nelson Bay, just North of Newcastle. Beautiful place ... lots of mansions!
Anyway, with lots of sun and some really scenic beaches, our year-old canon eos 350d got a bit of a work-out.
Earlier in the year we bought a circular polarising filter, without fully understanding how they work and how to use one properly.
Here's a photo that I took (that's my wife on the left), that I thought turned out alright, but I'm concerned that the blackness in the top right corner shouldn't be there, and that I could have gotten rid of it by adjusting the filter ... what do you think?
Teach me!

Anyway, with lots of sun and some really scenic beaches, our year-old canon eos 350d got a bit of a work-out.
Earlier in the year we bought a circular polarising filter, without fully understanding how they work and how to use one properly.
Here's a photo that I took (that's my wife on the left), that I thought turned out alright, but I'm concerned that the blackness in the top right corner shouldn't be there, and that I could have gotten rid of it by adjusting the filter ... what do you think?
Teach me!
