Money Arthur and Joan Foster at a family wedding in 1997

This week it's pensioners who have been mis-sold. But we're all victims of bad advice.

Where there's a will there's a way to avoid family feuds

Would your nearest and dearest inherit all should you die? The Law Society recommends making sure during Make a Will Week. By Teresa Hunter

Personal Finance: Prepare now for your care later

Long-term care could eat into your capital.

I Work For...Lady Sally Greengross - The age of the ageing

Maggie Holmes is PA to Lady Sally Greengross, Director General of Age Concern England

Budget 1999: Case Study: The Pensioner - Savings - but not all we wanted

Ernest Hallett, 72, and his wife, Patricia, 61, from Leicester. Mr Hallett is a former print worker. His wife took early retirement as a teacher four years ago. Weekly income: him pounds 124, her pounds 162 from state and occupational pensions. They have a pounds 30,000 lump sum from retirement in stocks and shares. Outgoings are minimal.

The real cost of caring

Will the Royal Commission report change the financial facts of care for the old? By Teresa Hunter

Smart Moves: Don't knock a little bit of wisdom in the workplace

BRING TOGETHER a catering assistant, a fundraiser, a housing officer, two housewives, a couple of students (one mature, one teenager) and a woman who runs her own pub. Throw in a leatherworker, a jobless man, two retired women - a dressmaker and a magistrate - and a professional bassoon player. Ask them to talk about their experiences of work. Get them to hear out the "experts" from the Government and research centres. Then ask them to come up with a verdict on what constitutes "employability".

Personal finance: More problems for the caring society

Plans to make long term care more accessible will still leave many in tough straits. By Clifford German

Letter: I won't freeze

Sir: In common with 8.4 million other old age pensioners I am about to receive a pounds 20 winter fuel payment. I do not really need it and shall pass mine on.

The Independent Christmas Appeal: `A smile is the only reward I need'

AT THE age of 66, Doreen Taylor should be enjoying her retirement and allowing others to look after her. Instead, she spends her time looking after her mother and running a day centre for the elderly.

Help keep the cowboys at bay

Christmas appeal

Killing season begins for thousands of old people Tens of thousands of old will be killed by winter

WINTER IS a killing season. The average British winter takes some 30,000 lives and the great majority of victims are elderly. Between October and March the death rate rises by 10 per cent, compared to the warmer half of the year.

Doctors who choose to reject the old

LEGAL MEASURES to combat age discrimination in the National Health Service and in financial services could be proposed in Parliament next year, campaigners say.

Prejudice was stripped away by advert

WHEN Pearl Reed was picked as the model for Age Concern's anti- discrimination campaign a year ago, she thought it would be a straightforward photographic job.

Britain's elderly struggle to cope on the edge of poverty

KATHLEEN GOVINDA has been pacing, deep in thought, in front of the chilled meats counter for five minutes. Finally - and triumphantly - she brandishes a packet of chicken and puts it in her trolley. She has managed to find a piece on special offer at pounds 2.59 rather than the pounds 2.99 she was preparing to pay.

Surrogate grannies help children learn to play

A WEALTH of knowledge and experience is being ignored as the population of Britain grows old, but one scheme is trying to change all that by getting elderly people to become surrogate grandparents.
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Independent Travel
Pompeii, Capri & the Bay of Naples
Seven Cities of Italy
Burgundy, the River Rhone & Provence
Prague, Budapest and Vienna
Lake Garda
3.	Provence 6 nights B&B by train from £599pp
Prices correct as of 20 February 2015
HIV pill: Scientists hail discovery of 'game-changer' that cuts the risk of infection among gay men by 86%

Scientists hail daily pill that protects against HIV infection

Breakthrough in battle against global scourge – but will the NHS pay for it?
How we must adjust our lifestyles to nature: Welcome to the 'Anthropocene', the human epoch

Time to play God

Welcome to the 'Anthropocene', the human epoch where we may need to redefine nature itself
MacGyver returns, but with a difference: Handyman hero of classic 1980s TV series to be recast as a woman

MacGyver returns, but with a difference

Handyman hero of classic 1980s TV series to be recast as a woman
Tunnel renaissance: Why cities are hiding roads down in the ground

Tunnel renaissance

Why cities are hiding roads underground
'Backstreet Boys - Show 'Em What You're Made Of': An affectionate look at five middle-aged men

Boys to men

The Backstreet Boys might be middle-aged, married and have dodgy knees, but a heartfelt documentary reveals they’re not going gently into pop’s good night
Crufts 2015: Should foreign dogs be allowed to compete?

Crufts 2015

Should foreign dogs be allowed to compete?
10 best projectors

How to make your home cinema more cinematic: 10 best projectors

Want to recreate the big-screen experience in your sitting room? IndyBest sizes up gadgets to form your film-watching
Manchester City 1 Barcelona 2 player ratings: Luis Suarez? Lionel Messi? Joe Hart? Who was the star man?

Manchester City vs Barcelona player ratings

Luis Suarez? Lionel Messi? Joe Hart? Who was the star man at the Etihad?
Arsenal vs Monaco: Monaco - the making of Gunners' manager Arsene Wenger

Monaco: the making of Wenger

Jack Pitt-Brooke speaks to former players and learns the Frenchman’s man-management has always been one of his best skills
Cricket World Cup 2015: Chris Gayle - the West Indies' enigma lives up to his reputation

Chris Gayle: The West Indies' enigma

Some said the game's eternal rebel was washed up. As ever, he proved he writes the scripts by producing a blistering World Cup innings
In Ukraine a dark world of hybrid warfare and murky loyalties prevails

In Ukraine a dark world of hybrid warfare

This war in the shadows has been going on since the fall of Mr Yanukovych
'Birdman' and 'Bullets Over Broadway': Homage or plagiarism?

Homage or plagiarism?

'Birdman' shares much DNA with Woody Allen's 'Bullets Over Broadway'
Broadchurch ends as damp squib not even David Tennant can revive

A damp squib not even David Tennant can revive

Broadchurch, Series 2 finale, review
A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower: inside the mansion of Germany's 'Bishop of Bling'

Inside the mansion of Germany's 'Bishop of Bling'

A Koi carp breeding pond, wall-mounted iPads and a bathroom with a 'wellness' shower