Between the controversial business practices of ‘No-Win No-Fee’ personal injury lawyers, and the rising tide of claims resulting from extreme weather events such as flooding, it seems certain that everybody’s insurance premiums are set to rise sometime in the not too distant future. It’s all down to statistics and actuaries, but if the insurance companies are paying out more money, the only place they are going to recoup it is from the policy holders.

Most people you speak to are glad to see the back of 2009: to many it will be remembered as symbolising the worst recession since the Great Depression. But interestingly, 31st December 2009 threw out a nugget of hope for the construction industry, crying in its dying moments, “I wasn’t that bad, please don’t remember me as being that bad – look, I have something good to offer you!”

The panto’ season is in full swing but of course there is another type of entertainment that the winter period is famous for, and the Plastic Surgeon played its full part in the run up to Christmas.