What do you do when your life doesn't turn out as expected? Everybody has an idea about what they hope to achieve by the time they reach their 40's. Selftrade has carried out some research to find out whether people have achieved their aims and dreams or whether life has turned out differently resulting in them turning to ‘plan b'. What are people's hopes and dreams and what has prevented them from coming true?

• Life begins at 40
• Don't look back in anger
• Spiralling living costs is top reason for failed goals of 40 year olds

This year has seen some changes to ISA regulations. PEPs and Mini ISAs became extinct and the subscription limit of an ISA was raised from £7000 to £7200.

Selftrade carried out some research to gage the awareness of the regulatory changes and how people's financial decisions were going to be affected by the impending credit crunch.

• Bonus time
• ISA rule changes
• Financial Hypocrisy
• New (ISA) Year's Resolutions