You’ll be able to see them all here on our website.

Tax expert John Whiting of PricewaterhouseCoopers says: “Take tax seriously - for example, just check your tax code to make sure the right amount of tax is being knocked off your salary.

“A lot of codes are wrong and you don’t want to be paying more tax than you have to.

“In particular anyone who is aged 65 or over should make sure that the Revenue have given them the higher personal allowance due to them - again sometimes the Revenue forget and you could end up paying too much tax on your income.”

Make those 0% credit card deals work for you, advises Jill Stevens of credit reference agency Experian.

She says it’s possible to go from one six month 0% offer to another, yet doing so shouldn’t affect your credit rating.

“What lenders are looking for when they look at the credit searches which are on your credit history is abnormal activity,” she explains.

“We as a credit reference agency only hold information about credit searches for 12 months. So changing a card twice in 12 months is not abnormal at all.”

Some advice on returning faulty goods from the Consumers’ Association.

Be persistent and arm yourself with the facts. If all else fails go to the Small Claims Court

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21 December

Christine Ross of SG Hambros has a tip concerning Isas.

“If you have cash in an instant access account for a rainy day, why not transfer it to a cash mini-Isa?

“Then your interest will be tax-free. If you have 3,000 in a cash account earning interest of 4% a year, then, as a basic rate taxpayer you will pay tax on your interest of 24. If you transfer to a cash Isa with the same interest rate you will pay no tax on your interest.”

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20 December

“Small businesses need to plan ahead for Christmas or they could face major cash flow problems,” warns Lisa Edmonds of credit insurer and management specialist Gerling NCM.

“Companies should talk to their customers so they can invoice early or get guaranteed payment dates. With the holidays coming up, cheque runs might change or accounts staff might be on holiday, causing delays to invoices being settled.”

Get peace of mind. The New Year can often be a financial struggle, so consider credit insurance to protect against bad debts.

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19 December

This one’s from the boss, Greg Dyke.

“Watch Working Lunch and listen to their tips,” insists the dating older woman and tip.

“That way you’ll do very well.”

Can’t say fairer than that, Greg.

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18 December

It can pay to be a bit of a Scrooge at Christmas, says Rob Pittam. You can save money and be kinder to the planet.

Dating romantic tip PITTAM Click here to see Rob’s top tips.

For a start, your local council will recycle your Christmas tree when you’ve finished with it. You can also send your wrapping paper for recycling.

“If you open your presents very carefully, you can use the wrapping paper again next year,” Rob says.

“Similarly, Christmas cards. If you cut out the middle, you get a nice little Christmas tag you can stick on next year’s presents.”

And if you’ve got children, get them to make presents. It saves money, they’ll enjoy it and grandparents love getting handmade gifts from the little ones.

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17 December

Beware of premium pre-Christmas prices, says Simon Gompertz.

“I bet you get annoyed, like me, if you’ve shelled out good money for something before Christmas then you find in the January sales that the price has been discounted. There is a way round that

“If you’ve bought it at the Gap chain, for instance, and you take your receipt back within two weeks they’ll refund you the difference between the original price and the sale price.

“Also if you use a Barclaycard for your purchases, they have a scheme where if you take it back or show them the receipt within 60 days they’ll also refund you the difference.

“The same applies to some storecards like Burton and Dorothy Perkins, as long as you’ve been paying a certain insurance premium into your card account.”

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16 December

All elderly people should look at their entitlement to benefits, says Mervyn Kohler of Help the Aged.

It’s yours - you might as well make a claim for it. Mervyn Kohler

“Half our older population are now entitled to claim the Pension Credit, which could bring in valuable income on a week by week basis.

“So ask the various relevant authorities about your benefits and entitlements and make a claim.

“It’s yours - you might as well make a claim for it.”

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15 December

Get haggling, says Working Lunch’s Gillian Lacey-Solymar.

“I know it doesn’t come particularly naturally to us and it’s not in the culture of this country but do do it and don’t be ashamed because you can get away with quite a lot.

“Only the other day a couple went into a very posh West End jewellers and spent 2,000 and managed to get 500 off the price.

“Obviously in smaller shops you’ll do better on haggling than in larger shops but it’s even worth doing in department stores.”

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14 December

“You can contribute up to 3,600 per year to a personal pension, even if you are not working,” says adviser Christine Ross of SG Hambros.

“You’ll gain tax relief at your highest rate. If you don’t pay tax, you can still receive basic rate tax relief - 22% - on your pension payments.

“Therefore, the maximum contribution of 3,600 will actually cost you only 2,808 after tax relief - you just pay the net amount and the insurance company or pension provider will claim the tax for you.

“If you can afford 50 a month, after tax relief your pension will gain a total of 64 a month - an extra 14.”

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13 December

Here’s one for travellers from the Association of British Travel Agents.

“Buying an annual travel insurance policy can be very good value for money,” they say.

“But make sure that all the holidays you book under the one policy are properly covered - for example, snow holidays and adventure activities require different levels of premium than just your sun-and-flop holidays.”

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12 December

“I’d like to recommend Premium Bonds, a very good, sound long-term investment,” says stockbroker Elissa Bayer of Gerrards.

“But go for the blocks rather than the individual shares. Go for 100 or 1,000 and you could get a very good return in 2004.”

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11 December

A couple of tips from the Consumer Credit Counselling Service to make sure the only red you see this Christmas is on Santa’s outfit.

Take care if you buy presents online. It’s easier to get carried away on a computer than it is on the High Street so keep a check on how much you’re spending.

And don’t over-cater. Remember that food shops are closed for only two days at most so don’t panic and buy a load of stuff you’ll only end up throwing away.

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10 December

The National Union of Students says you should make the most of your time at college or university.

Make sure you get an NUS card and make sure you use it. With discounts offered at many High Street shops, cinemas and restaurants there are some handy savings to be made.

When you get to the till ask if they offer an NUS discount - if you don’t ask, you don’t get!

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9 December

The National Consumer Council points out that expensive presents aren’t always the best.

Consider a “no-present pact” for adults in your immediate family - giving what you can, instead, to your favourite charity.

Alternatively, why not give your loved one a Christmas promise, in the form of a “voucher” promising to help with chores such as doing the shopping or ironing, washing the car or babysitting.

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8 December

Do some planning, says Justin Urquhart Stewart of Seven Investment Management.

“Work out what you want to achieve,” he advises.

“Add up all your liabilities, add up all your assets, take one from the other and you find out what you’re worth. Then do it on a family basis.

“So next year, don’t invest - do some planning first. Then you can invest.”

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7 December

Graham Hooper of Charcol Holden Meehan has a number of tips.

Make sure your life policies are in trust as this saves Inheritance Tax at 40%.

If you’re uncertain about the markets, phase your money into markets - perhaps on a monthly basis - rather than investing in one lump sum.

Most of us are eligible for a dating advices advice and tips pension - tax relief means you can get back 22p or 40p in the free (depending on your income).

Buy a hands-free phone kit for the car (not necessarily financial, but could save you money in fines in the long run!).

And make a will!

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6 December

“Work out a realistic budget for all your Christmas spending, from presents and new clothes to going out and entertaining, then stick to it,” says Citizen’s Advice.

“And don’t spend more than you can afford.”

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5 December

A tip for small companies from Stephen Alambritis of the Federation of Small Businesses.

“Don’t allow yourself to be buried in a quagmire of invoices and tax demands,” he says.

“Discover a system for organising records that is suitable for your business. Adjust your own system to benefit your own experience and develop one to fit your own needs.”

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4 December

Moving your mortgage around can save you big money, says Patrick Bunton of London & Country Mortgages.

If you have a 100,000 mortgage with a standard variable rate of 5.75%, you could easily knock about 2% off that rate.

There are some good deals around which mean you don’t have to pay any fees. All in all, you could end up saving yourself 2,000 a year, says Patrick.

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3 December

You need to find time to give your portfolio some tender loving care, according to Morven Whyte of dating internet safety tip Redmayne Bentley.

“Stockbroking and gardening are very similar. They both need lots of time, lots of energy and lots of attention,” she says.

“What you have to regularly do - and not just at Christmas - is pull out the weeds, allowing the roses to blossom and to bloom.

“You’ve got to cultivate your garden and you’ve got to cultivate your share portfolio for the long term.”

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2 December

Start saving for your retirement now, urges Malcolm McLean, chief executive of the Pensions Advisory Service.

The sooner you start paying into a pension plan the easier it is. Malcolm McLean

“It makes sense for everybody to have a retirement plan,” he says. “Not necessarily a pension but some form of saving so that when you retire from work you have a good standard of living.

“The younger you start preparing for this, the sooner you start paying into a pension plan, the easier it is and the less it will cost you.

“So give it some thought - go ahead, get a plan!”

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1 December

Don’t give thieves a bonus this Christmas, warns the Financial Services Authority.

It says you should protect yourself from identity theft by keeping all the receipts from your credit and debit card purchases and checking them against your statements. Make sure no-one else is running up bills on your account.

When you’ve finished with receipts dispose of them sensibly in case someone’s rummaging through your rubbish.

And be careful where you leave your credit card. For instance, don’t put it behind the bar at the pub! It could be easy for someone to clone your card.

More than half of 785 women over the age of 50 agreed that mums-to-be should drink stout for iron - outdated advice no longer recommended.

But other tips given were sound advice, said experts who reviewed the findings by SMA Progress.

Age Concern said dating advice tips were an dating tip for gay man important source of support for many young parents.

Good advice?

Four out of five (78%) of the women questioned believed babies should be “warm when they go to bed”.

Grandparents can be a really important source of information and support to young parents. A spokeswoman for Age Concern

But this advice could be a cause for concern, according to health visitor Alison Wall.

She said: “Our advice is that babies should be put to bed on their backs and in loose and cool covers.

“All this helps to minimise the risk of cot death.

“Grandma’s advice is in direct conflict with our county dating advices orange speed.”

Outdated

About half of those questioned (44%) said children under two could begin to drink tea, which is not recommended by health experts.

But nine out of 10 questioned (89%) correctly knew that getting infants into a routine is crucial - young children should know their bedtime and sleep in their own cot.

Very few agreed with the incorrect advice that pregnant women should eat double.

Ms Wall said: “Grandparents play an essential role in bringing up a new baby.

“We need to keep providing plenty of up-to-date information and advice to mums - but involving grandmas and grandpas is a great idea as they are an important part of the family.”

Some of Gran’s tips Good advice Baby needs routine Discipline is important for toddlers Be patient when weaning Outdated advice Babies should be warm when they go to sleep Canada dating advices personals should drink stout for its iron Tea is an appropriate drink for under two’s Source: SMA Progress

Age Concern said it had serious concerns about the messages the survey might give out.

A spokeswoman said: “It makes sweeping generalisations about older people and it may cause offence to some grandparents.

“Grandparents can be a really important source of information and support to young parents, especially with more and more parents working and lone parent families.

“Grandparents are playing an increasingly important role.”

She said every week, half of families with children under 15 rely on a grandparent to provide childcare.

If grandparents were to be paid for the childcare they provided it would amount to 4bn a year, she said.

The delegation from the Moroccan parliament was in Scotland to study devolution.

Would the Scottish model be a solution to the problem of their rebel province of Western Sahara?

Perhaps they could disband the regiments of the Polisario militiamen.

Or they might introduce ID cards which could only be used for free dating advices services online
services.

At the very least they might pick up a few tips on how to fight a general election which has not yet been called and which does not involve any of the issues for which the politicians concerned are responsible.

All he (Tony Blair) needs is a handbag and he’d be a dead ringer for another prime minister who failed to take heed of the wishes of the Scottish people Nicola Sturgeon

The Scottish National Party’s Nicola Sturgeon, for instance, asked First Minister Jack McConnell whether he would raise those awkward issues of ID cards and the Scottish regiments with the prime minister while he was in Scotland on his successful dating tip visit.

“The Scottish Parliament has voted against ID cards and the merging of the six Scottish regiments,” said Ms Sturgeon, “so will he represent the democratic views of this parliament to the prime minister?”

Both issues are, of course, matters reserved to Westminster but that did not stop Mr McConnell pointing out that ID cards would not apply to Scottish Executive services and that the SNP would “abolish” the regiments altogether because they wish to disband the British Army.

Nor did it stop Ms Sturgeon having a go at the prime minister.

“Tony Blair is out of touch. He doesn’t listen and he isn’t trusted by the people of Scotland,” she said.

“All he needs is a handbag and he’d be a dead ringer for another prime minister who failed to take heed of the wishes of the Scottish people.”

Annual statistics

Conservative leader David McLetchie went on the attack over school discipline.

There was an assault on a teacher every 12 minutes of the school day, he said, yet Education Minister Peter Peacock had stopped collecting annual statistics on incidents of indiscipline in Scotland’s schools.

“We don’t have a peacock running education, we have an ostrich.”

Mr McConnell replied: “We had a government of ostriches when the Tories were in power.”

Holyrood is determined to tackle Scotland’s binge drinking culture

We were back in the Western Sahara. But if the Moroccan parliamentarians cared to look through the business of the week at Holyrood, they might find more practical suggestions for good government.

Housing Minister Malcolm Chisholm announced that anyone selling a house will have to provide a seller’s survey.

The idea is to avoid multiple surveys being carried out on the property by each of the bidders. A voluntary scheme launched last July attracted only 74 householders, so it’s now to be made compulsory.

A bill to ban “happy hours” in pubs was announced by the executive on Monday.

Cheap drink promotions will have to last at least 48 hours.

It will be part of a bill to up-date Scotland’s licensing laws.

Economic viability

Other changes will include more powers for local licensing boards and tighter rules to prevent the sale of drink to under-18s.

A bill to allow the opening of a tram line from Leith to the centre of Edinburgh was given approval in principle.

There are still doubts, however, over its economic viability.

And a bill to tighten the law on FMG, female genital mutilation, was given its stage one approval on Thursday.

Over-jealous police preparations are creating an atmosphere of Fortress Gleneagles Colin Fox SSP leader

MSPs heard with horror that young girls from Scotland are still being sent to Somalia to be circumcised.

Anyone found aiding and abetting such an operation will now be liable for prosecution in this country.

The Scottish Socialist Party staged two debates in the chamber on Thursday morning.

The first called for the introduction of free school meals for all children.

The second called for a restatement of the right to demonstrate at the G8 summit of world leaders at Gleneagles in July.

In his first speech as the new Socialist leader, Colin Fox said the G8 leaders were the cause of world poverty, not the solution.

“Over-jealous police preparations are creating an atmosphere of Fortress Gleneagles,” he said.

Provocative attitude

“And I wonder whether these are designed to prime the population for attempts to curtail our right to protest peacefully.”

Minister Tom McCabe admitted contingency plans have to be made by the police but it was the Scottish Executive’s policy to “facilitate” demonstrations and encourage debate on the real issues of the summit, poverty in Africa and climate change.

The Scottish National Party’s Roseanna Cunningham caused a stir by suggesting the police were adopting a provocative attitude to demonstrators.

“The police are presenting things at the moment that look suspiciously like them saying effectively… come on if you think you’re hard enough.”

The SSP attacked what it called Dating advices canada police preparations’

It was a suggestion later denied by the Chief Constable of Tayside John Vine.

On Wednesday, the communities committee was packed out with lobby teams from all sides in the debate over opencast coal mining.

The executive is thinking of introducing a presumption against the practice into the planning laws.

The mining companies and the unions said when that was done in England it led to a drastic fall in output and jobs.

Last year no planning applications were approved at all.

They said the same would happen in Scotland, with the loss of 2,800 jobs.

The industry says thousands of jobs depend on opencast mining

Campaigners from Lanarkshire argued that most of the jobs were “imported” and the coal companies continually flouted their planning conditions.

Scottish Coal has offered a compromise of “compliance plus” and withdrawn planning applications from two sites near the village of Douglas.

But whether that will be enough to change ministers’ minds - we will just have to wait a few weeks to see.

Finally, the enterprise and culture committee issued a report deploring the “significant decline” in funding for community arts projects.

They said two million Scots participate in the arts and crafts movement, transforming their lives and their communities.

MSPs want more outreach work by the national arts companies, a new award scheme, and the art-proofing of all the executive’s budgets.

Scotland is not a cultural desert, the gentlemen from Morocco will be pleased to note.

Cumbernauld may not be Casablanca, Tranent may not be Tangiers, Motherwell may not be Marrakesh, but at least Holyrood is not Holywood.

Men and women who retire from 6 April 2010 will only need 30 years of national insurance (NI) payments to get a full basic state pension.

The government is now considering a system for women to buy additional contributions if they still fall short.

The Pensions Minister Mike O’Brien said he might bring forward such a plan in November’s pre-budget report.

“What we are looking at are ways of allowing women to buy back-dated national insurance contributions, and we hope to have a look at this in our pre-budget report in November,” he said on the BBC’s Today programme.

Fewer contributions

Until 2010, men will still need 44 years of contributions, while women will need to have paid in for 39 years to receive a full state pension.

we are sympathetic and keen to find a way to improve the situation DWP spokesman

Mr O’Brien’s comments came in response to date dating first teenage tip from the Liberal-Democrats that the reforms will not benefit people who retire just before the changes are due to take effect.

“If you are 60 on 6 April you are fine but if you were born on 5 April you don’t benefit at all from the new rule,” said the Lib-Dem spokesman Steve Webb.

Mr Webb claimed that some women might miss out on 25,000 worth of extra pension payments during their retirement, citing dating advices in swansea
by the House of Commons library.

The issue may be discussed in Parliament this afternoon when the House of Commons debates a number of amendments set down in the Lords to its Pensions Bill.

One of them proposes that women be allowed to buy up to nine years of extra NI contributions to help them get a higher state pension.

“We don’t actually support the amendment,” said a spokesman for the Cheap dating tip of Work and Pensions.

“But we are sympathetic and keen to find a way to improve the situation,” he added.

Cliff-edge

The government says that when its new pension rule starts in 2010, the number of women eligible for a full state pension will rise immediately from 50% to 75%.

But it argues that phasing in this change, or starting it earlier, would simply cost too much or lead to other women losing out.

“This cliff-edge issue is a real one but is not easy to solve,” said Mr O’Brien.

The pensioners who are thought most likely to miss out on the new rule are women who stopped work in the 1960s and 1970s to bring up children before the pension system was changed to credit them with extra NI contributions.

The government claims that to bring in the 2010 change two years early would cost an extra 160 million a year from today.