Three things your clients may call you about this week …

A pension trick that beats any Black Friday bargain Taking a suitably removed stance on the Black Friday shopping frenzy, Financial Times personal finance editor Claer Barrett suggests a better use of any spare cash would be to up pension contributions. For companies with a December year-end, she adds in this column, the "window of change" period for staff benefits is about to open. Young employees are particularly likely to make lower pension contributions or not pay into a scheme at all - partly, Barrett suggests, under the misapprehension pension savings cannot be carried over if th...