By JAMES DALEY What is the state second pension? The state second pension - which is abbreviated to S2P - is an earnings-related scheme paid on top of your basic state pension. It used to be known as the state earnings related pension scheme (Serps).

Mr j Lucy is quite wrong when he says that the state pension is paid out of general taxation, Government can't afford pension rise, Points of view, August 23.

By James Salmon, Daily Mail, London Jun. 11--Tens of thousands of stay-at-home mothers, carers and wives of servicemen denied the right to a decent state pension have been given a glimmer of hope.

By Harrison, Nicola The acquisition of payment services firm Certegy left FNIS with a complex array of pensions. A group personal plan with salary- sacrifice option has made life much easier for everyone. By Nicola Harrison How it works Most employees find pensions a headache at the best of times.

Money Doctor Ask Annie My daughter, at 32 years old, has just had her first baby, having worked from the age of 18 and paid national insurance contributions (NICs) while doing so.