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And there are vast differences between different card brands — some have comprehensive coverage, others offer almost nothing.

The number one reason why people make claims against travel insurance is illness or injury occurring before travel (either involving the policy holder or a family member).

He learns how Colbert survives by hunting wild animals, fishing and eating off the land.

He built his wooden cabin and furniture himself from materials he gathered from the forest and lives without electricity or running water.

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This trip involves kayaking for miles to reach a truck he owns which is kept on the edge of the swamp for when he wants to make rare journeys back to me as I'm still a kid but my grandkids come here and they're fascinated, they love coming to play here. Last summer they choose to come and stay here rather than going to a theme park.'He explains: 'It feels quite dirty here but each to their own, It's great Colbert sees this environment around him and uses it.

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It’s all in the fine print you get when your card arrives in the mail — you know, that piece of paper you probably never read.

This includes identity theft and all those crazy scams you hear about but smugly think will never work on you. Here's what to watch out for in the new year and, most important, how to protect yourself. "The lists are bought, sold, traded and stolen among scammers because they're perceived as potential gold mines.

If you answered yes to any of these questions, then according to that same survey you are more likely to be defrauded because you may give strangers the benefit of the doubt, are more enticed by bargains and are comfortable moving larger amounts of money around. "Scammers buy phone numbers from companies that sell data," she explains.

This helps you to make the best use of your counselling and also helps us to manage the service efficiently.

We ask you not to cancel a counselling session without a very good reason.