Firsly I'd like to say a mega thanks to health insurance brokers for the help in setting up this informal finance blog of mine. I love to talk about finance, everything from pensions to health insurance and I wouldn't be able to do it without their help. I find the internet rather scary. Who'd of thought I'd ever have a site telling people about investing and insurance. Its just mind blowing. I'm hoping I can educate the young about personal finance so they don't fall into the same sort of trap I did when I was of a younger age. It took me ages to repair my credit rating and I won't let any more young broke people make the same mistakes as me. Spend wisely guys.