Chancellor George Osborne wants everyone to be able to use their pensions like a bank account to dip in and out of as they wish from April 6. Money Mail looks at the different ways you'll be able to take your pension . . . . . . or even to buy a Lamborghini! Our easy-to-follow guide to making the most of next April's retirement revolution.

Andrew Haldane, chief economist at the Bank of England, said: 'Interest rates could remain lower for longer, certainly than I had expected three months ago.' Forecasters at Centre for Economics and Business Research warn savers could wait another 12 months for base rate to rise from 0.5 per cent, where it has been frozen since March 2009.

The ten biggest online scams lost victims across the country £670million over the last year - and this figure is likely to be far higher due to unreported cases, National Fraud Intelligence Bureau data reveals. The case of a victim known only as Chris, who had thousands stolen by fraudsters who rang his bank to gain details and also conned his Facebook friends into sending money too, is highlighted by Get Safe Online Week.

If you don't like risk and couldn't bear to lose any money, it's probably best to avoid emerging markets such as India and China, or commodity funds that invest in gold or oil, says Holly Black. But most people like the chance to grow their cash as well as getting some income from it, too.

ASK TONY: The product is manifestly inappropriate and I feel that the levy of a penalty on a mis-sale is contrary to obligations that investors should be treated fairly. Unfortunately, Skandia refuses to budge and insists that there is nothing wrong with the product itself, which is true. I would be happy to pay a charge commensurate with the investment, but not this blatant rip-off!

When she moved into a new house in North Yorkshire last summer Linda Harrison got the usual big pile of paperwork from her solicitor. When she discovered a conservatory roof was leaking recently, she hunted through it for the guarantee but unfortunately when it came to the time to claim it turned out not to be worth a thing.

Takeover targets can prove highly profitable investments, but it is always best to be positioned in a stock before it becomes the subject of bid rumours, says leading fund manager Mark Slater. It is much better to stick to your tried-and-tested investment approach and first identify an undervalued share and big isn't always beautiful. He reveals six shares with potential that he likes and explains why.

The Office for National Statistics says that more than 4.6 million people are now self-employed - but new research suggests that almost half will struggle to get on to, or up, the housing ladder. Specialist lender Precise Mortgages says four in ten self-employed people state their decision to work for themselves has made it harder to get a decent mortgage. A specialist lender helped Julie Croney (pictured) get the mortgage she needed when she bought her first home earlier this year.

Inheritance tax is back on the political agenda. Last week, Prime Minister David Cameron said the much hated 'death tax' should only be paid by the 'very wealthy'. Jeff Prestridge canvasses opinion on whether inheritance tax should now be overhauled. He also looks at legitimate ways in which the 40 per cent tax can be avoided, outlining six key steps for readers - including our case study Bridget Jones (pictured).

The FTSE 100 bounced today at the end of a bad week, but the question on investors' lips is whether this correction is a buying opportunity or the start of something much worse. The CAPE chart pictured highlights how the UK market is near the cheapest it has been over almost 40 years. Yet while shares may be cheap they also carry a sizeable risk of falling much further. Simon Lambert takes a look at the investor's dilemma.

From changing the light bulbs to home insulation, here are six steps to save a fortune EVERY year. The charity Energy Saving Trust is launching Big Energy Saving Week to highlight the value of making your home more energy efficient. Here, we provide an essential six-step guide to knocking more than £1,000 off your annual energy bill. Sally and David Taylor paid for a thermafleece for their walls.

We may have the answer to 'what is your biggest weakness' up our sleeves for an emergency, but what would you say if you were asked how many planes there are in the air? We have compiled 15 of the toughest questions job candidates have been asked at interview, taken from the website glassdoor.co.uk. Here job seekers can share questions they claim to have been asked in interview, tips for the interview process and any other advice when going for a job at a particular employer.

HMRC said I had the wrong tax code and now owe nearly £800. But my last tax code was issued by HMRC itself through the job centre. I am worried that I can't afford to pay it - should I have to when it wasn't my fault? I have worked full time since the age of 16 and have always paid my taxes. I assumed that I had the correct tax code because it had been issued by the job centre.

Bank account customers looking to maximise the income they earn from their deposits must look to Halifax, Nationwide and Santander, research reveals. Switching data this week revealed that they were the only three current account providers to gain more customers than they lost in the first three months of the year, stealing a net 90,000 from other brands.

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.

Expectations of a first interest rate rise have dramatically shifted back to summer 2015, after a triple whammy of low inflation, growth fears and stock and bond market wobbles hit. The Bank's chief economist Andrew Haldane said today he was now more downbeat about the outlook for Britain's economy. 'Put in rather plainer English, I am gloomier,' Mr Haldane said. 'This implies interest rates could remain lower for longer, certainly than I had expected three months ago.'

Midwives in the UK get paid on average £29,248: so where does your salary fit into the national league table, and how does it compare to the average in your profession? Our table lists hundreds of Britain's jobs from company executives and doctors to van drivers, waiters and textile machine operators.