As we say goodbye to 2019 and welcome in 2020, it's a good time to catch up on the very best of the Herald columnists we enjoyed reading over the last 12 months. From politics

A mortgage at 88 — this Granddad needs help

It's slim pickings for retired women

Don't panic over CGT on second homes

Single again and starting over?

Win Lotto, celebrate — then make a plan