The new £155.65 a week flat rate state pension would cost a man £243,000 and a woman £264,500 if bought through an annuity provider. The calculation was made by insurance giant Aegon, which points out that average retirement savings are in reality far smaller than that. Its research shows the average pension pot saved up by a man is £49,000, while a woman's is just £20,000.

Former BT customers must pay £5 a month to keep their email address active. There is a way round it though, says BT - signing up to BT again! Effectively saying we'll rip you off unless you come back to us doesn't sound to me like a great way to win back customers.

By switching your cash into a better-paying account you can boost your interest for the coming tax year (which starts today) by hundreds of pounds. Pickings are sparse. The top deals have disappeared fast over the past few days following National Savings & Investments' shock announcement last week that it is to cut its Direct Isa rate from 1.25% to just 1% in June.

If they don't want the TV, they can grab a £100 Amazon or Tesco giftcard, £100 loaded onto a prepaid Mastercard, or a Samsung Galaxy Tab E. Sky says the free TV offer is available across six bundles: The Original, The Complete, The Family, The Variety, Sky Movies and Sky Sports. Customers have to take out a 12-month contract.

The run-up to the change has been mired in controversy. False promises, misleading statements by Government ministers and a lack of practical information have undermined changes that should, in the long term, create a simpler and clearer system. So what is really happening, how can you find out what you may receive and is it possible to boost your pension?

Nearly six per cent of households are receiving income from rented properties - a figure that has tripled since the 1980s, according to data from the Office for National Statistics. This growing army of landlords has had a huge knock-on effect to younger Britons - dubbed 'generation rent' - with an explosion of those aged 26 to 30 privately renting a home.

While only 17 per cent will get the exact amount of £155.65 a week, and 23 per cent will get more, the majority of those retiring in the coming years are in for a 'nasty surprise', IFS predicted. Revealing who it thinks will be the winners and losers of the reforms after the new 'single-tier' scheme which commences tomorrow, the IFS reckoned 61 per cent of people reaching retirement age in the next four years will receive less than the flat rate.

On December 3, an assistant in my local Debenhams dropped a large bottle of foundation, which smashed, damaging two bags I had with me. One was a Mulberry costing £750 (I have given the store the receipt) and the other a Betty Barclay shopper, which cost £80 (I can't find the receipt).

The blundering phone is struggling to cope with a huge backlog of complaints after being hit by a customer service meltdown that has left mobile users unable to get basic errors fixed. Customers are spending hours on the phone to its call centre, passed from pillar to post, only to find they're no closer to getting a refund. After making numerous complaints, many are at their wits' end.

Property sellers in some of London's most prestigious postcodes are having to lop thousands of pounds off the asking price in order to sell, a global estate agent says. In another sign the housing market in the capital could be collapsing, values in 'prime' central London nudged ahead by just 0.8% in the year to March - the lowest figure since October 2009, when the world was gripped by the financial crisis.

Norwegian boss Kjos, just as Freddie Laker did in his day, is facing opposition from the old guard. He is locked in battle with the US Department of Transportation over two applications for permits, one from the UK and one from Ireland which have been stuck in the system for a two-and-a-half years. In the UK, Norwegian flies out of Gatwick, Manchester, Edinburgh and Birmingham and carries 4m British passengers. And in the Gatwick versus Heathrow battle for a new runway, unsurprisingly he favours the former.

EasyJet was the biggest faller of the day in the FTSE 100. The airline landed down 3 per cent at 1476p despite reporting that passenger numbers were up 4.3 per cent to 5.7m in March. The group's shares were grounded by 611 cancelled flights in the month. Competitor Ryanair, down 3.4 per cent to 13.39 euros, cancelled just 500. Its passenger numbers flew 28 per cent up to 8.5m for the month. British Airways owner International Consolidated Airlines tailed off 2.6 per cent.

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle. He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement. Read Steve's answer to a nurse who is already drawing an NHS pension, but has returned to work part time and started paying into a new pension fund.

There's an innocent-sounding phrase that should get the alarm bells ringing for savers: 'ask in branch for details'. Banks used to trumpet their Isa rates - now they make you work to find them out. I'd hope they were embarrassed; some rates are so pitiful your cash will be worth less at the end of the year than when you put it in because they'll hardly beat inflation. This poster from the Post Office doesn't even mention the rates available in the small print.

As the boss of 'posh pawn shop' Prestige Pawnbrokers James Constantinou has seen it all up for grabs - everything from suits of armour to yachts. The 2008 crash prompted him to become a high-end pawnbroker - and he never looked back

The new tax year begins on Wednesday, bringing a raft of changes for pensioners, landlords, savers and workers. The Mail on Sunday explains what is happening and how it affects you.

The scheme, called Flood Re, was set up to make sure insurance is affordable for those whose premiums rocketed following serious floods over the past decade. Set up by the Department for Environment, Food & Rural Affairs (Defra) and the Association of British Insurers (ABI), Flood Re aims to ensure homeowners in even the highest risk properties are insured.

The group joined AIM in July 2014 at 100p a share. Today, the stock is 135p and should gain ground this year and beyond. Unlike their more traditional counterparts, Epwin's goods are all made of plastic or plastic mixed with other materials, such as wood or glass. Brands include PatioMaster, Safedoors, Spectus and Swish for windows and doors, and Kestrel for roof products.

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.

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.

George Osborne's continued austerity revealed in his 2016 Budget is likely to keep rates on hold for longer. Inflation expectations have been revised down for 2016 to 0.7 per cent, while Brexit uncertainty and slow global growth are also playing on rate-setters' minds.

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

Musicians have seen pay rises averaging nearly 20 per cent in 2015, while cleaners are getting 17.8 per cent more, and window cleaners 12.3 per cent. Artists in general are earning 14.6 per cent more in 2015 than 2014, according to the huge annual data dump of pay scales by the Office For National Statistics highlights.