Although cash Isas don't currently offer fantastic rates, it is still worthwhile opening one to shield money away from the taxman. Our savings correspondent Lee Boyce picks his five favourite cash Isas for savers in 2015 - essential reading to help you choose a top savings account for your money. This page is kept up-to-date throughout the year - bookmark it for the very latest developments.

My son is a sort of nomad. He works hard, refuses to go on benefits and regularly does his annual tax forms. The tax office says he doesn't earn enough to pay tax, so he gets tax credits. I advised him he should ensure he pays what used to be called a self-employed National Insurance stamp. It has been set up under his tax reference number but is paid through my bank account, as he doesn't have one. It is about £11.13 a month.

Lowland and Henderson Opportunities Trust manager James Henderson gives us his tips for picking exciting smaller companies and dividend winners for the long-term in the latest episode of the Investing Show. Also on the agenda is what rising interest rates will mean for investors and what could move shares up as companies report summer results.

Holly Black, of Money Mail, replies: It depends what you think is in store for the yellow metal in the long term. The price of gold - which is measured in dollars per ounce - is down 40 per cent on its 2011 high. Today it stands at around $1,100 (£705), compared to a peak of $1,900 (£1,220). The price was driven so high by fear and uncertainty. At that time, the world was in recession and central banks around the globe had dropped their base rate of interest to a record low. Gold, as a physical store of value, became attractive.

Tens of thousands of families are cancelling their private health insurance policies because they can't afford soaring premiums, Money Mail can reveal. Expensive drug treatments and lack of competition between insurers have helped to push up the average annual cost of a policy by £500 to £1,870 over the past decade - a rise of nearly 40 per cent. Today, only 970,000 Six years ago, it stood at well over a million.

On October 2 last year, I complained to Lloyds Bank about being mis-sold payment protection insurance. Two months later Lloyds wrote to say the claim had been upheld and that it would refund my premiums plus interest. Between June 1990 and February 2003 I paid Lloyds 153 premiums, costing £5,016.80. However, because I have bank statements from only April 1995 to February 2003, the bank refunded only the 95 premiums I paid between these dates.

We opened a one-year bond with Highgrove Osprey on 24th February last year for £5,000 - and to date, the money has not been repaid. After at least 150 phone calls and various reasons for the delay given by the firm, no payment has been made. What is the hold up?

House prices In England and Wales have risen 5.4 per cent in the last year to reach £181,619 on average, latest figures from the Land Registry show. The £9,252 boost in values means the index has overtaken the previous peak of £180,983 set in November 2007.

I'm really worried I won't qualify for the new, full flat-rate pension when I retire because I opted out of paying National Insurance contributions for five years back in the 1990s. now I understand the Government is going to reduce my state pension based not just on the years I opted out, but on what it thinks I might have gained in my private pension during that time - and it'll do this even if I manage to make full NI contributions for 35 years.

Quintain owns the 85-acre site at Wembley Park adjacent to the national stadium which will stage Sunday's London Community Shield clash between Arsenal and Chelsea. Its shares jumped above the bid to close 24p higher at 131p yesterday amid speculation that another interested party could join the fray. They were 0.12p lower at 130.88p this morning.

Activist investor GO Investment Partners is expected to increase the pressure on the Premier Farnell board to undergo an aggressive restructuring or merge with rival Electrocomponents. Shares in electronics distributor Premier crashed 26.6p or 16 per cent to a five-year low of 140p on yet another profits warning. GO recently increased its stake in the FTSE 250 company from 3.24 per cent to 4.11 per cent after first declaring a shareholding in May.

Greece's embattled economy and the threat of contagion across Europe dominated headlines over recent months, but despite all the negative press UK investors are piling into the continent. They appear to be happy to overlook the worst Europe has to offer in their hunt for returns from its better prospects. We take a look at why.

Beware offers of a 'free pension review' because this is the kind of bait fraudsters use to tempt people and allay their suspicions before swiping lifetime savings. A new official taskforce is offering tips on how to combat pension fraud, with new freedoms an obvious target for unscrupulous sharks.

If you want a job done well without breaking the bank, do it yourself. Investing in skills can enable you to complete tasks on a tight budget. Hamil Stevenson, pictured with wife Esther and daughter Safia, took a car maintenance course after buying a 30-year-old VW campervan. We explain how you can get the knowhow too.

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.

Britain is out of its short-lived flirtation with deflation, with the consumer prices index up 0.1 per cent in the year to May, according to ONS figures. The news arrived the day before MPC minutes revealed another unanimous hold in June with the course still set for an initial base rate rise in the first half of 2016.

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.