At the start of a new year, your next 12 months are always unknown. That’s why your next 12 months can be an adventure. As well as scary. Will you win the lottery? Or will your house burn down? You don’t know. So what do you do? You plan. You leap boldly. You keep going forward. And you buy insurance. Even then, with all your best planning efforts, the future is always unknown. Anything can... Read more