It may pay you to wait a year before planning your retirement
BBC Radio 4's Money Box was broadcast on Saturday, 16 April, 2005 at 1202 BST.
The programme was repeated on Sunday, 17 April, at 2102 BST.
Major changes in pension rules, due to apply from April 2006, need to be considered by people who are already planning their retirement.
In particular, the changes will affect people paying into AVC pension schemes and those with smaller amounts of pension savings.
In some cases, putting off retirement until after next April will boost your income.
Paul Lewis was joined by Tom McPhail, Pensions Research Manager at Hargreaves Lansdown, and Stuart Bayliss of Annuity Direct.
Share scam warning
Fraudsters work from 'boiler rooms'
The Financial Services Authority (FSA) has warned investors to beware of a costly telephone-based share-selling scam.
Overseas operations known as "boiler rooms" are trying to sell shares in UK companies to investors here.
But if you invest with them, you could lose all your money without any comeback.
Insurance for young professionals
Many home contents insurance quotes for sharers are nothing short of alarming
People just starting careers and living in shared accomodation are sometimes finding it difficult to insure their personal possessions.
Money Box explores why many big insurance companies are unwilling to provide such cover and whether there are insurers who are prepared to take the risk.
Samantha Washington went to North London to investigate.
Credit card balance transfers
UK credit card firms lose about £1bn a year by offering 0% or low interest rates to poach new customers
Moving your balance regularly between credit cards offering 0% interest has become an effective way of managing debt.
But now, some experts say, you are likely to be charged to move money in this way.
Is the writing on the wall for the so-called "rate tarts"?
Producers: Chris A'Court and Paul O'Keeffe
Presenter: Paul Lewis
Reporter: Samantha Washington