Brace yourself for dentist fees

Whether you use the NHS or go private the cost of dentistry can be had to swallow, says Harvey Jones. So how do you minimise the financial pain of your visit?

How’s your sex life?

Insurance companies are to start asking applicants about their sexual behaviour, rather than if they are gay, before demanding an HIV test, writes Jill Insley.

Are you HIV+? The new positive discrimination

Jill Insley: The insurance industry's decision to drop the question it asks about sexuality on its application forms in favour of one about possible exposure to HIV is very welcome, and not before time.