:00:00. > :00:00.devices, your mobile phone, your tablet and Europe travel iron if
:00:00. > :00:00.that is what you are packing in your hand luggage. It will affect your
:00:07. > :00:10.travel plans and we will find out how on this week's Your Money.
:00:11. > :00:14.Hello and welcome to Your Money, your weekly guide to making
:00:15. > :00:18.the most of your cash here every weekend on BBC News television,
:00:19. > :00:20.available without edit or correction on the BBC iPlayer.
:00:21. > :00:28.How to make sure we're not caught out by the new security screens
:00:29. > :00:31.on mobile phones and tablets at the airport.
:00:32. > :00:34.How to publish your own book, what it costs
:00:35. > :00:38.And another crackdown on copycat websites that charge more
:00:39. > :00:50.We'll see how we can avoid paying higher fees.
:00:51. > :00:53.If you're taking the kids or the grandchildren on a plane for their
:00:54. > :00:56.summer hols, they'll want to take a tablet or a computer game on board
:00:57. > :01:00.Well, you'll need to make sure they've charged it up first.
:01:01. > :01:03.On some flights if you don't have enough charge to
:01:04. > :01:06.switch it on, you can't take it on board in your hand luggage.
:01:07. > :01:08.The extra security checks cover a range of electronic devices
:01:09. > :01:11.from phones, laptops and tablets to hairdryers, hair`straighteners,
:01:12. > :01:15.electric shavers, travel irons and cameras and camera equipment.
:01:16. > :01:21.Caroline Lloyd is a travel insurance expert at GoCompare.com.
:01:22. > :01:37.Welcome to Your Money. Just recap the new rules, what they cover and
:01:38. > :01:41.which flights are affected. It is a range of flights, starting with
:01:42. > :01:45.flights to and from the USA, but the Department for Transport says it can
:01:46. > :01:49.cover any flight from the UK. Anything with a battery. You might
:01:50. > :01:54.need to prove that you can turn it on so they can see the device is
:01:55. > :01:58.working and check it before you go through security. It is just enough
:01:59. > :02:03.charge so that it will switch on at check`in? It does not need to be
:02:04. > :02:08.fully charged? No, just though they can check it turns on. People taking
:02:09. > :02:12.connecting flights might be asked to turn it on at every point and for
:02:13. > :02:17.your return flight you will have to show you can power it on as well. So
:02:18. > :02:24.you might have to turn it on more than once depending on your travel
:02:25. > :02:30.plans? And if it will not switch on? The options depend on the
:02:31. > :02:34.airline you are travelling with. It is worth checking with the airport
:02:35. > :02:37.you are travelling from to check that you can charge things there.
:02:38. > :02:42.You might need to have your charger with you so you can do that. Some
:02:43. > :02:48.airlines are giving customers the options of taking a later flight and
:02:49. > :02:52.even leaving the item with the airline. Will they sent it to you or
:02:53. > :02:56.do you need to come back to the airport afterwards? There is a range
:02:57. > :02:59.of options available. Some are offering a career service, and you
:03:00. > :03:11.can sometimes collect it when you come back to the airport. ``
:03:12. > :03:15.delivery service. And once you get to the check`in and try to turn it
:03:16. > :03:18.on and it doesn't, you probably can't put it in your main luggage
:03:19. > :03:24.because that has been checked in. Yes. Make sure you have also charged
:03:25. > :03:29.it enough or how you are going to use it on the way to the airport and
:03:30. > :03:33.at the airport so you are appropriately charged at the
:03:34. > :03:36.security check. I am sure people are shouting at the television just
:03:37. > :03:41.saying charge it up overnight. Surely nobody is that stupid? But it
:03:42. > :03:46.is the use of the device on the way to the airport that might catch you
:03:47. > :03:50.out. Yes. And if you are using your phone around the airport, make sure
:03:51. > :03:56.it is still charged when you get to security. Is there anything in
:03:57. > :03:59.travel insurance about this? If it is confiscated, you are travelling
:04:00. > :04:04.to a wedding and you want to have those Kodak moments, can you buy a
:04:05. > :04:12.new camera at the other end and ask your insurance company to pay for
:04:13. > :04:16.it? I don't know. It would depend on your individual policy and insurer.
:04:17. > :04:20.Ring them and check before you do anything. If your device was taken
:04:21. > :04:24.off you and you did not get it back, you typically would not be
:04:25. > :04:28.covered by travel insurance but because of the publicity around it
:04:29. > :04:32.you would be expected to knows that you have to be able to turn it on.
:04:33. > :04:36.Thank you. Think you're the next
:04:37. > :04:37.Barbara Cartland? Got a blockbuster book inside you
:04:38. > :04:40.that's going to make your fortune? More people are writing
:04:41. > :04:42.their own books It costs you money to do it and the
:04:43. > :04:48.odds are you won't earn very much. Research this week shows
:04:49. > :05:05.the typical full`time writer earns Once upon a time there was a
:05:06. > :05:10.communications officer for Hampshire police who wanted to write romantic
:05:11. > :05:13.comedies. That particular chapter of mixed Spaulding's life only began
:05:14. > :05:21.when he found out about do`it`yourself publishing on e`book.
:05:22. > :05:26.It was not like I sold thousands of books immediately. It was a few here
:05:27. > :05:31.and there. I had to earn enough money to go out for a meal with my
:05:32. > :05:35.partner. Because it was so easy to do and because I started to earn a
:05:36. > :05:40.bit more money and build up a small following, that prompted me to write
:05:41. > :05:44.another and then another. It was the fourth book that really broke me out
:05:45. > :05:52.and sold a quarter of a million copies in a year and put me on the
:05:53. > :05:58.map. The emergence of e`reader is like this does not mean the end of
:05:59. > :06:02.these. But it does allow writers to become their own publishers and yet
:06:03. > :06:06.to get their word on the street may cost time and money. That means
:06:07. > :06:09.paying for a professional editor, for a designer to create an
:06:10. > :06:14.eye`catching cover, and for marketing. The average total cost of
:06:15. > :06:17.a book including editorial design and everything you might want to do
:06:18. > :06:24.to put a really good book together is somewhere between ?2500 and
:06:25. > :06:31.?5,000. Take your time. There is no hurry. This is a long game. Secondly
:06:32. > :06:35.get a good editor. That is your most important investment. Thirdly, do
:06:36. > :06:40.talk to other authors who have done what you want to do. A quarter of
:06:41. > :06:44.writers told a recent survey they had tried self publishing. This
:06:45. > :06:48.still represents a fraction of the overall market but many more self
:06:49. > :06:52.published works are being sold. Writers reported decent return on
:06:53. > :07:03.investment they make to get work published. Upfront costs for a
:07:04. > :07:07.lesser return can be mitigated by winning the support of a publisher.
:07:08. > :07:12.Some specialise in digital books. We are publishers so our job is to give
:07:13. > :07:16.authors money and not to take it. We pay for the cost of production and
:07:17. > :07:20.we take care of that. And we pay them a royalty according to how well
:07:21. > :07:30.the book sells. If people want to do a little book about a local area or
:07:31. > :07:34.a family history, that is probably not a commercial proposition. It is
:07:35. > :07:39.very nice, but don't expect to get the money back. Mr Spalding now has
:07:40. > :07:44.a 6`figure book deal that has allowed him to buy a house, to write
:07:45. > :07:51.for a living and to give his story a happy ending.
:07:52. > :07:53.The trade body for insurance companies says they
:07:54. > :07:56.should make it more obvious if they're putting their prices up.
:07:57. > :07:59.The ABI says the price we paid last year should be listed alongside any
:08:00. > :08:02.new prices when the insurance company offers to renew the policy.
:08:03. > :08:05.That way we can see at a glance if they've put their prices up.
:08:06. > :08:08.It could be the end of next year before this becomes common practice.
:08:09. > :08:11.Between now and then you can ask your insurance company to tell
:08:12. > :08:15.you what you paid last year before you make a decision or before the
:08:16. > :08:21.The Bank of England is expected to increase its key interest
:08:22. > :08:23.Protecting yourself against that is already costing more.
:08:24. > :08:24.The average cost of fixing the interest rate
:08:25. > :08:27.on your mortgage for five years was around 3.9 percent last year.
:08:28. > :08:30.This weekend, the website Moneyfacts shows just two or three deals
:08:31. > :08:34.Most of the five`year fixed deals it shows now charge interest
:08:35. > :08:49.The lenders will also charge fees of between ?195 and ?1,499.
:08:50. > :08:52.Back in February we got some advice about how to avoid copycat websites,
:08:53. > :08:57.websites that charge a fee to renew a passport, get a driving licence,
:08:58. > :09:01.fill up our tax forms, all services we could get free or for a much
:09:02. > :09:04.cheaper fee on the official websites. Many
:09:05. > :09:06.of these websites are legal but they don't always make it obvious
:09:07. > :09:10.that they're not an official site or that we're paying more to use it.
:09:11. > :09:12.How can you spot them and avoid them?
:09:13. > :09:18.Laura Whitcombe is deputy editor at the magazine Moneywise.
:09:19. > :09:24.Welcome to Your Money. These copycat websites come up near the top of the
:09:25. > :09:30.internet searches. They look very polished and professional. How can
:09:31. > :09:35.you tell they are not the real deal? Some are as blatant as to say they
:09:36. > :09:40.are not. Sometimes that is hidden away in the small print so always
:09:41. > :09:45.look at the small print. Take a thorough read of the home page. If
:09:46. > :09:50.anything seems out of kilter, it probably is. You should always
:09:51. > :09:54.Google search the name of the company or website to check. You
:09:55. > :09:58.might be able to see somebody else's negative review which would
:09:59. > :10:01.be a great tip. Is it a rough rule of thumb that if it is a Government
:10:02. > :10:20.website, somewhere in the web address in the browser it will say
:10:21. > :10:27.gov.uk. That is right. But avoid things with gov somewhere else in
:10:28. > :10:31.the website title. So things that you think are only from the
:10:32. > :10:35.Government can turn up in the copycat address? Yes, so be
:10:36. > :10:39.vigilant. It is not against the law to do this, to offer a service and
:10:40. > :10:44.charge a higher fee. It is legal but you just need to be aware as a
:10:45. > :10:48.consumer that they exist and how to spot them. Yes, and they make money
:10:49. > :10:54.by overcharging you for something that could be provided for free or
:10:55. > :11:00.at a much reduced cost elsewhere. If you have used one by mistake, it is
:11:01. > :11:06.a slip and you thought it was the real thing, and you end up paying
:11:07. > :11:10.more, can you get your money back? It all depends where the fraud was
:11:11. > :11:15.involved. If a website lead you to believe you were buying from the
:11:16. > :11:19.official Government site, then you can argue it is fraud and contact
:11:20. > :11:23.your bank and the fraud team will investigate. However if you were
:11:24. > :11:27.just unlucky and you ended up overpaying for a service that you
:11:28. > :11:31.subsequently received, you did get the passport was a driving licence,
:11:32. > :11:38.then you have overpaid and it is much harder to make a case. So buyer
:11:39. > :11:43.beware. The things you mention, passports and driving licences, they
:11:44. > :11:45.are most common? Yes, also European health cards that people will be
:11:46. > :11:49.looking for in the run`up to the holidays. And sometimes
:11:50. > :11:57.self`assessment returns for your tax. Thank you very much for joining
:11:58. > :12:04.us on Your Money. That is all from us this week. You can keep up to
:12:05. > :12:09.date all week long with the money pages on the BBC News website. And
:12:10. > :12:13.also updates on social media by following our feed on Twitter for
:12:14. > :12:15.example. More again next week and we hope to see you then. Thank you for
:12:16. > :12:25.your company today. The former Archbishop of Canterbury,
:12:26. > :12:30.Lord Carey, drops his long`standing opposition
:12:31. > :12:38.to legalising assisted dying. Israel vows to continue
:12:39. > :12:40.its military campaign against Gaza until Hamas stops firing hundreds
:12:41. > :12:42.of rockets into Israeli territory. Dozens of Palestinians have died
:12:43. > :12:47.in four days of air strikes. The Parole Board says it's being
:12:48. > :12:51.forced to treble the number