Guest blogger Edmund Tirbutt feels that the individual protection field is like a rudderless ship which is sailing horribly close to the rocks, and is woefully lacking in any meaningful industry-wide leadership.

Packed shops in the January sales prove that people still love a bargain despite the supposed age of austerity that we are living through at the moment.

At the start of a new year it is always tempting to write the ‘financial resolutions article’.