AGE Concern has published a book to help older people who are losing millions of pounds every year by saving badly or paying too much tax.

The book outlines simple steps that can be taken to maximise money and help reap the rewards in retirement.

Your Taxes and Savings 2004-5 explains how to avoid wasting cash in savings accounts that pay little or nothing and how to get the best interest.

It also offers tips on hidden tax traps to look out for, how to avoid paying too much tax and how to claim it back if you have paid too much.

It claims to offer independent and impartial advice and has been updated by Paul Lewis, presenter of BBC radio 4's Money Box programme.

To oder the book, call Age Concern Books on 0870 4422120. It costs £6.99 plus £1.99 post and packing.