Believe it or not, I used to follow my daily horoscope. Sometimes (very occasionally) the horoscope was accurate. But I think it's fair to say that the future is necessarily unpredictable - that's half the fun. The FTSE never quite behaves the way anyone expects. And if it could be predicted, everyone would be rich - and while that would be great, it remains the material of daydreams.
In an unpredictable world though, there are thankfully some cushions and safety nets that we can rely on without the need for prescience or a mystical third eye. Many of these, such as pensions, savings and whatonot are second nature to us. But while they are great to have, we also need a cushion against the unforeseen/ unforeseeable. So while it's great to watch a small pile of savings grow, or a pension fund (hopefully) perform, we also need insurance. As self-employment looks to be a more attainable option for many of us in the coming years, and with growing numbers already joining the ranks of the self employed, it's time to think about self employed health insurance. A little peace of mind can go a long way. And as being self-employed is often an enjoyable challenge, it's good to know that some things will always be there to assist.
Bin the crystal ball!
His research especially pointed out the discrepancies between the various thresholds for 
