Sticking away £1,270 each month adds up to £15,240 after a year - the 2015/16 Isa allowance. It's flexible, allowing savers to miss a monthly payment if they wish or make a withdrawal without penalty if cash is needed. Savers can deposit as little as £1 each month.

I'm looking for what to do with my pension pot in a few months when I retire. Ideally I'd like to not buy an annuity, and hopefully keep some or all of the pot to pass on to my wife or the next generation. While I'd be happy researching which funds to invest in now, I guess I'm not the best person to do this and I certainly wouldn't want to be doing this with a fading memory or mental capacity.

Faithful customers of Nationwide BS will be asking themselves what price loyalty after a series of rate cuts from the start of this month. The interest paid to savers who've been with the society for 15 years on the closed easy-access Loyalty Saver account is now 0.96 per cent after tax (1.2 per cent before tax), down from 1.2 per cent (1.5 per cent). The account pays different rates depending on how long you have been a member. Those who have been members for five years will see their rate fall to just 0.8 per cent (1 per cent).

From Lamborghinis to paying off mortgages or handing cash to children, the new pension freedoms herald a brave - if potentially hazardous - new world. Pension Wise, a new free Government-backed advice service, has already taken 3,600 calls from people booking telephone interviews and organising face-to-face sessions with the Citizens Advice service. We got unique access to see what people are asking.

When Mark Westby made a routine call to arrange a remortgage, he barely gave it a second thought. But he was turned down and later discovered a fraudster had used his name and date of birth to take out a mobile phone contract with EE. His experience exposes the difficulties in getting a mistake removed from the UK's credit agencies - and how innocent consumers suffer the consequences in the meantime.

Families who have scrimped and saved for a comfortable retirement fear they will not now be able to apply for council-run schemes that allow those in care to put off selling their home until after they have died. This is because these plans - known as universal deferred payment - which were originally supposed to be available for all under a major upheaval to the care funding system, can now only be used by those with less than £23,250 in savings and investments.

There has been a notable shift in the way savers are putting away money for a rainy day according to new research from a comparison website. Rates on traditional savings accounts have tumbled in recent years leaving millions of savers scrambling to find a return that would have been able to get before.

My flight from Phoenix to London was cancelled. We were told a part had to be flown in from LA. A 14-seater mini-bus was used to ferry at least 200 passengers to a hotel. There were no BA staff at the hotel, and I reached my room at 1.45am. At 5.30am, I was woken up by refurbishing work. We then returned to the airport and waited again before finally flying at 8pm. I applied for compensation, but all I got was High Life shop vouchers.

Deryn and Derek Hemment were told by Capita they must buy an 'indemnity' against their lost Compass share certificates being used fraudulently - though they are innocent of mislaying the documents or of any wrongdoing. The pair can't trade their shares in the FTSE 100-listed catering giant until they get replacement share certificates, but they are being refused them until the indemnity issue is sorted. The Hemments insist Capita should foot the indemnity bill, because the loss of their certificates was down to the firm posting such valuable documents second class.

Shell has snapped up BG to expand its liquefied natural gas business and Brazilian deepwater wells but the deal also creates a sprawling £200bn behemoth that will need to be cut down to size. The Anglo-Dutch giant is expected to slash jobs and spending and confirmed the deal will enable £670m of operational savings, £1bn of exploration savings and a total cut in spending to less than £27bn.

Sales at Tesco hit £7.2bn in the 12 weeks to March 29 - up 0.3 per cent on the same period last year - as its turnaround continued under new chief executive Dave Lewis. Sainsbury's sales were also higher for the first time since August - up 0.2 per cent to £4.1bn - in a much-needed boost for its new boss Mike Coupe. But both companies saw their market share fall amid stiff competition from discounters Aldi and Lidl as well as upmarket Waitrose.

Investors in BG Group will be thanking their lucky stars that Shell is buying them out at a hefty premium with its eye-popping £47billion bid. But the potential gift of up to £32million to BG chief executive Helge Lund, who barely had enough time to find his way to the men's room, is not popular with shareholders. The dismay over Lund's likely pay-off could come as a relief to the architect of the Shell takeover Ben van Beurden.

Bill Clinton famously said: 'It's the economy, stupid!' that decides elections. The Conservatives will certainly hope so and are looking to make the economy the key battleground between now and May 7. Gross domestic product in the UK - the total size of the economy - plunged 6 per cent in the Great Recession under Labour but has increased by more than 8 per cent under the Coalition.

I've always found moving my cash around within Isas to be slow and labour-intensive and for hardly any extra benefit in the interest rate. With savings tax being all but removed current accounts that pay interest look far more attractive. Or am I missing something?

The huge overhaul allows older savers unrestricted access to their whole pension pots, and removes the need to buy an annuity to provide guaranteed income for life. But pension experts warn freedom reforms bring big and serious risks, like fraudsters stealing people's life savings, baffled retirees paying far too much tax, and the possibility of some treating their savings like a cash windfall and blowing them too fast.

The stock market has performed twice as well under a Conservative government as it has under Labour, according to performance statistics dating back to 1970. But the facts behind the raw numbers suggest events taking place on the global stage are far more important to the UK stock market than the next resident of Number 10, Downing Street.

Mixing saving with gambling seems like a recipe for financial disaster. But some experts now believe the chance for savers to win a cash prize is a great way to encourage more people to take up the savings habit at a time when interest rates have hit rock bottom. Spurred on by the popularity of Premium Bonds and the tax-free prizes that holders can win every month, a number of financial institutions led by Halifax are offering savers the opportunity to win cash prizes. Raymond and Catherine Sutton (pictured), who have banked with Halifax for more than three decades, struck lucky.

Two star presenters of popular BBC show Top Gear are selling off a dozen bikes in their classic motor cycle collections - as they tease about becoming 'unemployed'. Motoring pundit James May - dubbed 'Captain Slow' - is putting eight of his two-wheeled treasures under the hammer, while co-presenter Richard Hammond, known as 'The Hamster' is doing the same with four of his.

Pensioners who take large lump sums from their pension face a tax trap that could leave them having 45 per cent docked from their nest egg - even though they are basic rate taxpayers. This is because of a quirk of the tax system which means that if you take £15,000 from your pot one month to last you through the year, you are likely to be taxed as though you were going to do this every month of the year. In essence, this means that the taxman assumes you are going to take £180,000 from your pension in a year. As such, even if you have no other income, you'll face a top rate of tax of 45 per cent.

This is Money has teamed up with TipTV to produce a new series aimed at helping investors get ahead, with investing news, ideas and debate. Topics on the agenda this week include how to invest for income, the dividend safety of some big FTSE 100 names, and the arrival of pensions freedom.

To clear the average national household debt of £13,000 at 6% interest with a monthly repayment of £100 will take around 17 years. There are, however, plenty of simple ways to make significant savings on your regular spending that could clear your debt - or boost your savings - in less than a year. This is Money's top 50 - updated - money-saving tips may appear light-hearted but are deadly serious.

Choosing the right DIY platform is crucial but a wealth of choice and changes to charges have left many investors scratching their heads. We pick some of the best. We also highlight why investing in an Isa makes sense, as it should protect your hopefully growing investments from tax forever.

The next move for interest rates is still expected to be up, says Bank of England Governor Mark Carney, despite suggestions of a cut to beat low inflation. That followed the news earlier this week that inflation had fallen to 0 per cent - noflation or flatflation, as some commentators have tried to label it

For many buy-to-let looks an attractive income investment in a time of low rates and stock market volatility. Climbing house prices, rising rents and improving mortgage deals are tempting investors - although they will need a big deposit. Read This is Money's top ten buy-to-let tips

The influence of financial services on the economy is spelled out again as City brokers steal top spot in this year's official list of highest earners. According to the detailed 2014 annual salaries survey, brokers pocketed around 40 times more this year than those at the bottom of the list - the people responsible for keeping children safe on the way to school. Lollipop crossing patrols earned around £3,400.