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This month sees the Centenary of the state pension going before the commons, but 100 years on from Lloyd George's social reform, has much changed for pensioners in 2008?

The cut in the 10p tax rate comes into affect this month and pensioners will see how much they have lost in this new tax change. Research this week shows that more people about to retire are becoming increasingly concerned with the cost of living and how it is going to affect them in retirement; and that around a quarter of the people surveyed we are facing retirement are still not saving for it.

So, what does the future hold for the traditional state pension? Are people about to retire prepared for the reality of giving up a monthly salary?

Is it worth staying on at work now and what it is it like starting a new job later in life?

Can businesses still sustain pensions? What knock on effect does it have on jobs?

What is the future for people about to retire? Are the days of a comfortable retirement numbered?

In the current financial climate how can you supplement your pension? Is property still a safe bet?