There’s a strange contradiction about insurance. It’s an annoying burden every month when the time to pay the premium comes around but, if the worst should happen, it’s a wonderful thing to have had that insurance policy in place. With the family budgets really tight as the recession shows little sign of going away, the [...]

If you were building a time machine, you need only find a way of travelling back two years to find a land of plenty. Remembering how good it was almost brings tears to your eyes. Every week a bank, credit card company or finance company would mail you their latest offers. Cheap overdrafts, reduced interest [...]