When I went from being a dull corporate permanent employee to being a dull freelance consultant, it prompted a review of my finances. When you are employed permanently, you very often take for granted things like a pension scheme, life insurance, sick pay and so on and then suddenly, you're all on your own and all those benefits are gone. As a freelancer, critical illness cover was one of the most critical (ahem) matters for me to resolve as, if I were to become very ill and unable to work, the bills would still need paying. I've also become dreadfully pessimistic about working in London and have convinced myself that I will almost certainly be involved in a terrorist ...  Read the complete review