I had a friend who said that the trick to sailing in all conditions around the world was to know that sometime your boat would sink. He felt that keeping that fact at the forefront of his mind kept him prepared.
The ongoing revelations about how Cambridge Analytica exploited Facebook to harvest millions of profiles have laid bare the seeming lack of control we have over our own data.
This New Year it is also a great time to start making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money aside for a down payment on a house.
The issue of ageing populations and funding retirement schemes is not a modern one - the Romans faced the same political and fiscal problems 2000 years ago.