05/04/2014 Your Money

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

website. `` for now. Hello and welcome to

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

every weekend on BBC News television, available all week on

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

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

television, available all week on the BBC iPlayer.

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

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

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

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

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

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

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

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

popular spot for climbers and walkers, with its vintage tearoom

and duck pond. It is quintessentially British, until your

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

there is always the village phone box.

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

issue. Call this the pension detectors. ``

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

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

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

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

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

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

there is some information on the government website that might help

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

bailiffs in check have been introduced. They will stop people

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

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

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

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

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

stop people being forced deeper into debt.

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

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

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

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

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

bank details. The new tax year starts this weekend

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

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

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

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

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

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

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

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

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

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

not available. More details on the website. That is

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

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

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

late, but it is coming in