Sometimes one feels that a real change has taken place in people’s attitudes. We now have a black American president, we have a had female prime minister in the UK, celebrities no longer have to pretend to be heterosexual in order to be successful.

‘The Economist’ has suggested that ‘Some of the benefits now provided look ripe for cutting. Pensioners, for example, get free bus travel and also receive tax-free winter fuel payments on top of their state pension…’

You have probably by now noticed the change in ISA limits for our age group - it has been covered in most of the press, with a lot of advertising as well. It looks a though most of the providers are offering to top up at the same rate as they offered earlier in the year - but do check on this.