05/04/2014 Your Money


05/04/2014

Weekly round-up of news about mortgages, savings, credit cards, bank accounts and pensions, plus helpful tips and advice. With Declan Curry.


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is all of the sports News for no. You can keep up`to`date on the

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website. `` for now. Hello and welcome to

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Your Money ` your weekly guide to making the most of your cash, here

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every weekend on BBC News television, available all week on

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the BBC iPlayer.Hello and welcome to Your Money ` your weekly guide to

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making the most of your cash, here every weekend on BBC News

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television, available all week on the BBC iPlayer.

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The new tax year begins, we will work out if you save money or have

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to cough up more. And international charges on your mobile phone without

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leaving the UK. Let us start with the story about mobile phones. If

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you travel abroad, you know that it may cost more to check e`mails or

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use the Internet on your `` on your telephone. Some people find that

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they are charged international rates without leaving the UK. People in

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Dorset, for example. Our technology reporter has been roaming.

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This picturesque village nestles on the cliff tops in Dorset. It is a

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popular spot for climbers and walkers, with its vintage tearoom

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and duck pond. It is quintessentially British, until your

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mobile phone welcomes you to France and warns you about data roaming

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charges. I am getting a French signal more often and not able to

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get the British signal. This lady lives and works here with her

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family. The signal is very poor. From time to time I can receive or

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send texts. It has to be on a particular window with specific

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weather conditions. Whenever I have told my providers that I receive no

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signal, I have had very little sympathy and certainly no suggestion

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I'd be entitled to a refund. The problem lies in the landscape. It

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happens in spots along the coast, because signals find it easier to

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travel across the water than on the land. In Dover, some people are

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getting signals from both countries. It is also a problem on people

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living on the border of Ireland and Northern Ireland. Many people do not

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know what to do about it. One of the most obvious things people can do is

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set their telephone to manual, so it will not go on to international

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roaming. Your phone is just trying to find the stronger signal. When

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you are at home, it is locked onto your own network, but where you can

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pick up an international signal, your phone will simply grab the

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strongest signal. It may be your home network is still available but

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it is not the strongest signal, at if you lock your phone on to manual,

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you will avoid this. This also means if you visit the pub here, the

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silence is golden. It is nice because we do not have telephones

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going off all the time bringing. But we have to tell them to walk half a

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mile up the road to get the signal. Or if you have some spare change,

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there is always the village phone box.

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Many viewers in parts of Northern Ireland find they have the same

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issue. Call this the pension detectors. ``

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detectives. More of us are trying to track down money we have saved in

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our previous jobs and then lost track of them. The pension tracing

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service says there were 11,785 requests to help them find lost

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savings. There are now helping over 100,000 people a year to track down

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those pensions. And it is thought that over ?3 billion are in

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forgotten pension pots. If you have lost track of a pension,

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there is some information on the government website that might help

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you. Gov.uk. New laws to help bail lives dashing

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bailiffs in check have been introduced. They will stop people

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using physical force. Bailiffs are not afford `` allowed to force their

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way into your room. `` your home. People who can charge thousands of

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percent in interest if you do not pay back quickly enough have got to

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follow strict new rules from this weekend. If not, they could be

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forced out of business. The new city watchdog says it will

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stop people being forced deeper into debt.

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Royal Bank of Scotland is to close 44 branches across the UK in 14

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places. `` in 14 places these are the last branches of banks.

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We will be able to use our mobile phone numbers to make bank payments

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from the end of April, the 29th. This means that account holders will

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be able to pay friends, family or traders without having to ask for

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bank details. The new tax year starts this weekend

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and it means we can keep more of our money tax`free. There is not a penny

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of income tax on the first ?10,000 we are in. If you are over 65, you

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can keep more, ?10,500. If you are over 75, you can keep ?10,660.

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It means low paid workers will not pay income tax at all. Those paying

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the standard rate will benefit, getting 112 trimmed off their bill

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this year. Anyone earning less than 41,865 gets that rate. If you are

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earning more than that, you will get 40p on income tax, a higher

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threshold than last year. If you and your full tax`free amount

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in savings, you pay just 10% tax on any interest you earn.

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If you earn more than that, the whole thing is off, the 10p rate is

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not available. More details on the website. That is

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all from us this week. You can keep up`to`date with everything on the

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website. You can follow our updates on Twitter. There will be more again

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next week. Thank you for watching. A fresh breeze than we have seen of

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late, but it is coming in

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Weekly round-up of news about mortgages, savings, credit cards, bank accounts and pensions. Helpful tips and advice on how to get the best deals, consumer rights and making your money work harder for you. With Declan Curry.


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