Seven people were recently arrested on suspicion of conspiracy to defraud and money laundering, after police swooped on a suspected organised crime gang believed to be behind a pension investment scam that has been dubbed "the new boiler-room fraud". The gang, which was dismantled by the police earlier this month, was thought to be cold-calling and text messaging people across the UK.

I read with great interest recently that Tesco are planning to launch an online comparison service for pensions. The plan is to make it easier for those approaching retirement to shop around for the pension annuity paying the highest income.

This is all very well, but annuities are not always the best means of securing retirement income from your pension pot. We will look at some of the alternatives for taking pension income later, but let’s look firstly at the situation in terms of pensions generally.

The powers that be, in the form of Margaret Hodge chairman of the Public Accounts Committee, has been exercised recently by a piece of marketing literature produced by KPMG on something called Patents Relief.  Hearing this lady's comments I have been equally exercised by her attitude towards this document and I think we should put the accountants’ side of the story.

As many of us will find on a regular basis, the pressure of balancing a career, a family and a social life can be very difficult. British workers typically work some of the longest hours in Europe. It can be tricky to manage our time effectively and find a good work-life balance.

They say "time is money", so consider how the following 10 tips could help you manage your time and save money.