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The general election is still up in the air, but one issue affecting home owners has already been decided.

From this month (April), following reforms announced by George Osborne, pensioners will be able to release large sums of capital previously tied up in annuities.

Some of them will blow the money on round-the-world cruises. Others may soon be seen driving down the Kings Road in a new Porsche. But a fair few, experts predict, are likely to dip thei