Scotland decides; Jewellery insurance heist; Pensions freedom

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Scotland decides; As the polls show the gap between Yes and No is too narrow to call, the volume of listener questions has grown. So we return to the question 'what will it mean for our money - in Scotland or the remainder of the UK - if the vote is Yes, and should I do anything now?' Guests: David Bell, Professor of Economics, University of Stirling. Colletta Smith BBC Scotland's Economic Correspondent and David Davison, a Director at Actuarial practice, Spence and Partners. Jewellery Insurance Heist? What will your insurer offer if your precious jewellery is lost or stolen? Vouchers for a High Street jeweller seem to be the preferred option with many insurers. And that leaves many customers very unhappy. What can you do to get a better deal? Bob Howard reports. Pensions Freedom: A listener with a good employer final salary pension scheme is persuaded to transfer it into a personal pension with no guarantees. Its value halves in five years. With the new freedom to take our pensions out, could this mis-selling grow. We look at what this listener can do to get his money back. And what anyone else who is tempted should do.