News John Lewis at Westfield shopping centre

John Lewis has decided against closing its final salary pension scheme, leaving it as one of the only retailers in the country that still offers new staff the gold-plated retirement payouts more commonly associated with politicians and civil servants.

Expert talk: Five point action plan to improve the retirement market

The Financial Services Consumer Panel has called for an urgent reform of the pension annuities industry in a damning report.

Pensioners are at risk of receiving less income in retirement than they should as a result of poor value, excessive profits and inadequate practices carried out by life insurers, according to the report.

So what can consumers do, and how can the industry be improved? Tom McPhail, head of pensions research at Hargreaves Lansdown, has a five point action plan:

Carpetright's turnaround floored as profit and revenue fell in the first half

Tough conditions in Europe muted the modest success of Carpetright’s “self-help” efforts in the UK, as profit and revenue fell in the first half.

Britain's pensions system failing consumers, experts warn

The current pensions system is failing the consumer, according to pension experts.

NHS job cuts have harmed hospital care and patient safety, according to a survey UNISON conducted among its members

NHS job cuts harming patient care and safety, say staff

55 per cent said they believed cuts had “significantly impacted on patient care and safety”.

Manchester United manager David Moyes has claimed supporters understand the need to look at

Bob Paisley's early struggles offer David Moyes comfort as he takes 'complete responsibility' for Manchester United results

The English champions take on Shakhtar Donetsk on Tuesday looking to top their Champions League group

Pension schemes face funding crisis

Britain’s pension schemes remain gripped by a funding crisis, despite the nation’s recent economic revival, figures published today reveal.

George Osborne said in June that the savings from delaying the state pension age were 'absolutely enormous'

Autumn Statement will make the winter of old age colder and harder for today's young people

Will there even be state pensions by the time my children grow up?

Autumn Statement 2013: At a glance

The main points of the Chancellor's Autumn Statement:

Luis Aragones pictured after victory at Euro 2008

Luis Aragones, who led Spain to Euro 2008 victory, announces retirement

The manager had not worked in four years anyway

Working longer is not so bad

Being forced to wait even longer for a state pension may seem a bleak prospect, but working until 70 won’t necessarily be a bad option.

Irish unemployment falls to lowest level since 2009

The number of people signing on last month fell to just over 390,000.

Osborne begged: don't hit savers next Thursday

Savings experts are worried about what changes the Chancellor will make next week

Protesters try to obstruct a lorry making its way down Barton Moss Road

Barton Moss: The latest front line in Britain’s unconventional energy revolution against fracking

Jonathan Brown meets the protesters hoping to create the spirit of Balcombe

Protesters carrying a coffin to npower’s offices in London to highlight the number of deaths linked to the cold weather

Winter freeze led to 31,000 extra deaths last year - against a backdrop of soaring energy prices

Needless fatalities pile pressure on Cameron and Big Six over energy price rises

19-year-old Ross Barkley was the latest youngster to make his England debut on Friday against Moldova

Roberto Martinez tells Ross Barkley to focus on Everton ahead of game against Liverpool

The midfielder could have his attention taken by the World Cup

News
Ben Little, right, is a Labour supporter while Jonathan Rogers supports the Green Party
general election 2015
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The 91st Hakone Ekiden Qualifier at Showa Kinen Park, Tokyo, 2014
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Life and Style
Former helicopter pilot Major Tim Peake will become the first UK astronaut in space for over 20 years
food + drinkNothing but the best for British astronaut as chef Heston Blumenthal cooks up his rations
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Kim Wilde began gardening in the 1990s when she moved to the countryside
peopleThe singer is leading an appeal for the charity Thrive, which uses the therapy of horticulture
Sport
Alexis Sanchez celebrates scoring a second for Arsenal against Reading
football
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Voices
An easy-peel potato; Dave Hax has come up with an ingenious method in food preparation
voicesDave Hax's domestic tips are reminiscent of George Orwell's tea routine. The world might need revolution, but we like to sweat the small stuff, says DJ Taylor
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Japan's population is projected to fall dramatically in the next 50 years (Wikimedia)
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Life and Style
Buyers of secondhand cars are searching out shades last seen in cop show ‘The Sweeney’
motoringFlares and flounce are back on catwalks but a revival in ’70s car paintjobs was a stack-heeled step too far – until now
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Prices correct as of 17 April 2015
NHS struggling to monitor the safety and efficacy of its services outsourced to private providers

Who's monitoring the outsourced NHS services?

A report finds that private firms are not being properly assessed for their quality of care
Zac Goldsmith: 'I'll trigger a by-election over Heathrow'

Zac Goldsmith: 'I'll trigger a by-election over Heathrow'

The Tory MP said he did not want to stand again unless his party's manifesto ruled out a third runway. But he's doing so. Watch this space
How do Greek voters feel about Syriza's backtracking on its anti-austerity pledge?

How do Greeks feel about Syriza?

Five voters from different backgrounds tell us what they expect from Syriza's charismatic leader Alexis Tsipras
From Iraq to Libya and Syria: The wars that come back to haunt us

The wars that come back to haunt us

David Cameron should not escape blame for his role in conflicts that are still raging, argues Patrick Cockburn
Sam Baker and Lauren Laverne: Too busy to surf? Head to The Pool

Too busy to surf? Head to The Pool

A new website is trying to declutter the internet to help busy women. Holly Williams meets the founders
Heston Blumenthal to cook up a spice odyssey for British astronaut manning the International Space Station

UK's Major Tum to blast off on a spice odyssey

Nothing but the best for British astronaut as chef Heston Blumenthal cooks up his rations
John Harrison's 'longitude' clock sets new record - 300 years on

‘Longitude’ clock sets new record - 300 years on

Greenwich horologists celebrate as it keeps to within a second of real time over a 100-day test
Fears in the US of being outgunned in the vital propaganda wars by Russia, China - and even Isis - have prompted a rethink on overseas broadcasters

Let the propaganda wars begin - again

'Accurate, objective, comprehensive': that was Voice of America's creed, but now its masters want it to promote US policy, reports Rupert Cornwell
Why Japan's incredible long-distance runners will never win the London Marathon

Japan's incredible long-distance runners

Every year, Japanese long-distance runners post some of the world's fastest times – yet, come next weekend, not a single elite competitor from the country will be at the London Marathon
Why does Tom Drury remain the greatest writer you've never heard of?

Tom Drury: The quiet American

His debut was considered one of the finest novels of the past 50 years, and he is every bit the equal of his contemporaries, Jonathan Franzen, Dave Eggers and David Foster Wallace
You should judge a person by how they peel a potato

You should judge a person by how they peel a potato

Dave Hax's domestic tips are reminiscent of George Orwell's tea routine. The world might need revolution, but we like to sweat the small stuff, says DJ Taylor
Beige is back: The drab car colours of the 1970s are proving popular again

Beige to the future

Flares and flounce are back on catwalks but a revival in ’70s car paintjobs was a stack-heeled step too far – until now
Bill Granger recipes: Our chef's dishes highlight the delicate essence of fresh cheeses

Bill Granger cooks with fresh cheeses

More delicate on the palate, milder, fresh cheeses can also be kinder to the waistline
Aston Villa vs Liverpool: 'This FA Cup run has been wonderful,' says veteran Shay Given

Shay Given: 'This FA Cup run has been wonderful'

The Villa keeper has been overlooked for a long time and has unhappy memories of the national stadium – but he is savouring his chance to play at Wembley
Timeless drama of Championship race in league of its own - Michael Calvin

Michael Calvin's Last Word

Timeless drama of Championship race in league of its own