BBC Radio 4's Money Box was broadcast on Saturday, 18 June, 2005 at 1502 BST.
Pension Credit was introduced in October 2003
The programme was repeated on Sunday, 19 June, 2005, at 2102 BST.
More than a million older people who could claim extra money through pension credit are still not doing so.
Take-up of the benefit remains well below the government's target, according to new figures from Department for Work and Pensions.
And even those people who do get the benefit may be getting less than they should, Money Box has learned.
We were joined by Mervyn Kohler from Help the Aged to discuss these problems.
Financial education for children
The initiative is being sponsored by Barclays Bank
A new initiative is underway in South London where outside agencies are being invited into schools to teach personal finance, sponsored by one of the big high street banks.
Louise Greenwood reported.
Second £1m premium bond jackpot
The first £1m jackpot was introduced in April 1994
The UK's 23 million premium bond holders will have a second chance at winning a £1m jackpot every month from August.
We asked John Prout, Sales Director of National Savings & Investments how the extra prize is being funded and how it affects the chances of winning smaller amounts.
First Direct to charge for texts
A limited number of text mini-statements will remain free
First Direct has written to 450,000 customers who receive free mobile text banking messages and told them that in future they will often have to pay a fee.
Under the plans people who have chosen to receive an alert, for example to warn them if they are close to going into an overdraft, will now pay a £2.50 monthly charge.
Money Box's Chris A'Court reported.
Equitable sells Gainsborough portrait
Troubled life insurer Equitable Life has finally sold the portrait of one of its early presidents painted by Thomas Gainsborough.
Equitable's asset sales have brought in about £1.5 million
The picture of Charles Gould fetched £550,000 at Christies' sale room on Wednesday, leaving Equitable with an estimated £530,000.
The society has now sold almost all its historic assets bringing in about £1.5m for its members.
However Equitable's legal costs amounted to £9 million last year mainly in suing auditors and past directors. The case remains in court.
Presenter: Paul Lewis
Producer: Chris A'Court
Reporter: Louise Greenwood