It’s been an avalanche of bad news this year – starting with the fact that your personal information (and mine) has almost certainly already been stolen and is floating around out on the dark web.

That means we all have to keep a close watch on our bank accounts, credit cards, credit rating and every online account, now and probably forever. And of course there’s an endless parade of cyber-attacks, social media assaults, and telephone threats to worry about.

Here’s hoping you have a MUCH better holiday than the con artists do!