Browse content similar to 12/07/2014. Check below for episodes and series from the same categories and more!
Line | From | To | |
---|---|---|---|
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 | :00:00. | :00:00. | |
travel plans and we will find out how on this week's Your Money. | :00:07. | :00:10. | |
Hello and welcome to Your Money, your weekly guide to making | :00:11. | :00:14. | |
the most of your cash here every weekend on BBC News television, | :00:15. | :00:18. | |
available without edit or correction on the BBC iPlayer. | :00:19. | :00:20. | |
How to make sure we're not caught out by the new security screens | :00:21. | :00:28. | |
on mobile phones and tablets at the airport. | :00:29. | :00:31. | |
How to publish your own book, what it costs | :00:32. | :00:34. | |
And another crackdown on copycat websites that charge more | :00:35. | :00:38. | |
We'll see how we can avoid paying higher fees. | :00:39. | :00:50. | |
If you're taking the kids or the grandchildren on a plane for their | :00:51. | :00:53. | |
summer hols, they'll want to take a tablet or a computer game on board | :00:54. | :00:56. | |
Well, you'll need to make sure they've charged it up first. | :00:57. | :01:00. | |
On some flights if you don't have enough charge to | :01:01. | :01:03. | |
switch it on, you can't take it on board in your hand luggage. | :01:04. | :01:06. | |
The extra security checks cover a range of electronic devices | :01:07. | :01:08. | |
from phones, laptops and tablets to hairdryers, hair`straighteners, | :01:09. | :01:11. | |
electric shavers, travel irons and cameras and camera equipment. | :01:12. | :01:15. | |
Caroline Lloyd is a travel insurance expert at GoCompare.com. | :01:16. | :01:21. | |
Welcome to Your Money. Just recap the new rules, what they cover and | :01:22. | :01:37. | |
which flights are affected. It is a range of flights, starting with | :01:38. | :01:41. | |
flights to and from the USA, but the Department for Transport says it can | :01:42. | :01:45. | |
cover any flight from the UK. Anything with a battery. You might | :01:46. | :01:49. | |
need to prove that you can turn it on so they can see the device is | :01:50. | :01:54. | |
working and check it before you go through security. It is just enough | :01:55. | :01:58. | |
charge so that it will switch on at check`in? It does not need to be | :01:59. | :02:03. | |
fully charged? No, just though they can check it turns on. People taking | :02:04. | :02:08. | |
connecting flights might be asked to turn it on at every point and for | :02:09. | :02:12. | |
your return flight you will have to show you can power it on as well. So | :02:13. | :02:17. | |
you might have to turn it on more than once depending on your travel | :02:18. | :02:24. | |
plans? And if it will not switch on? The options depend on the | :02:25. | :02:30. | |
airline you are travelling with. It is worth checking with the airport | :02:31. | :02:34. | |
you are travelling from to check that you can charge things there. | :02:35. | :02:37. | |
You might need to have your charger with you so you can do that. Some | :02:38. | :02:42. | |
airlines are giving customers the options of taking a later flight and | :02:43. | :02:48. | |
even leaving the item with the airline. Will they sent it to you or | :02:49. | :02:52. | |
do you need to come back to the airport afterwards? There is a range | :02:53. | :02:56. | |
of options available. Some are offering a career service, and you | :02:57. | :02:59. | |
can sometimes collect it when you come back to the airport. `` | :03:00. | :03:11. | |
delivery service. And once you get to the check`in and try to turn it | :03:12. | :03:15. | |
on and it doesn't, you probably can't put it in your main luggage | :03:16. | :03:18. | |
because that has been checked in. Yes. Make sure you have also charged | :03:19. | :03:24. | |
it enough or how you are going to use it on the way to the airport and | :03:25. | :03:29. | |
at the airport so you are appropriately charged at the | :03:30. | :03:33. | |
security check. I am sure people are shouting at the television just | :03:34. | :03:36. | |
saying charge it up overnight. Surely nobody is that stupid? But it | :03:37. | :03:41. | |
is the use of the device on the way to the airport that might catch you | :03:42. | :03:46. | |
out. Yes. And if you are using your phone around the airport, make sure | :03:47. | :03:50. | |
it is still charged when you get to security. Is there anything in | :03:51. | :03:56. | |
travel insurance about this? If it is confiscated, you are travelling | :03:57. | :03:59. | |
to a wedding and you want to have those Kodak moments, can you buy a | :04:00. | :04:04. | |
new camera at the other end and ask your insurance company to pay for | :04:05. | :04:12. | |
it? I don't know. It would depend on your individual policy and insurer. | :04:13. | :04:16. | |
Ring them and check before you do anything. If your device was taken | :04:17. | :04:20. | |
off you and you did not get it back, you typically would not be | :04:21. | :04:24. | |
covered by travel insurance but because of the publicity around it | :04:25. | :04:28. | |
you would be expected to knows that you have to be able to turn it on. | :04:29. | :04:32. | |
Thank you. Think you're the next | :04:33. | :04:36. | |
Barbara Cartland? Got a blockbuster book inside you | :04:37. | :04:37. | |
that's going to make your fortune? More people are writing | :04:38. | :04:40. | |
their own books It costs you money to do it and the | :04:41. | :04:42. | |
odds are you won't earn very much. Research this week shows | :04:43. | :04:48. | |
the typical full`time writer earns Once upon a time there was a | :04:49. | :05:05. | |
communications officer for Hampshire police who wanted to write romantic | :05:06. | :05:10. | |
comedies. That particular chapter of mixed Spaulding's life only began | :05:11. | :05:13. | |
when he found out about do`it`yourself publishing on e`book. | :05:14. | :05:21. | |
It was not like I sold thousands of books immediately. It was a few here | :05:22. | :05:26. | |
and there. I had to earn enough money to go out for a meal with my | :05:27. | :05:31. | |
partner. Because it was so easy to do and because I started to earn a | :05:32. | :05:35. | |
bit more money and build up a small following, that prompted me to write | :05:36. | :05:40. | |
another and then another. It was the fourth book that really broke me out | :05:41. | :05:44. | |
and sold a quarter of a million copies in a year and put me on the | :05:45. | :05:52. | |
map. The emergence of e`reader is like this does not mean the end of | :05:53. | :05:58. | |
these. But it does allow writers to become their own publishers and yet | :05:59. | :06:02. | |
to get their word on the street may cost time and money. That means | :06:03. | :06:06. | |
paying for a professional editor, for a designer to create an | :06:07. | :06:09. | |
eye`catching cover, and for marketing. The average total cost of | :06:10. | :06:14. | |
a book including editorial design and everything you might want to do | :06:15. | :06:17. | |
to put a really good book together is somewhere between ?2500 and | :06:18. | :06:24. | |
?5,000. Take your time. There is no hurry. This is a long game. Secondly | :06:25. | :06:31. | |
get a good editor. That is your most important investment. Thirdly, do | :06:32. | :06:35. | |
talk to other authors who have done what you want to do. A quarter of | :06:36. | :06:40. | |
writers told a recent survey they had tried self publishing. This | :06:41. | :06:44. | |
still represents a fraction of the overall market but many more self | :06:45. | :06:48. | |
published works are being sold. Writers reported decent return on | :06:49. | :06:52. | |
investment they make to get work published. Upfront costs for a | :06:53. | :07:03. | |
lesser return can be mitigated by winning the support of a publisher. | :07:04. | :07:07. | |
Some specialise in digital books. We are publishers so our job is to give | :07:08. | :07:12. | |
authors money and not to take it. We pay for the cost of production and | :07:13. | :07:16. | |
we take care of that. And we pay them a royalty according to how well | :07:17. | :07:20. | |
the book sells. If people want to do a little book about a local area or | :07:21. | :07:30. | |
a family history, that is probably not a commercial proposition. It is | :07:31. | :07:34. | |
very nice, but don't expect to get the money back. Mr Spalding now has | :07:35. | :07:39. | |
a 6`figure book deal that has allowed him to buy a house, to write | :07:40. | :07:44. | |
for a living and to give his story a happy ending. | :07:45. | :07:51. | |
The trade body for insurance companies says they | :07:52. | :07:53. | |
should make it more obvious if they're putting their prices up. | :07:54. | :07:56. | |
The ABI says the price we paid last year should be listed alongside any | :07:57. | :07:59. | |
new prices when the insurance company offers to renew the policy. | :08:00. | :08:02. | |
That way we can see at a glance if they've put their prices up. | :08:03. | :08:05. | |
It could be the end of next year before this becomes common practice. | :08:06. | :08:08. | |
Between now and then you can ask your insurance company to tell | :08:09. | :08:11. | |
you what you paid last year before you make a decision or before the | :08:12. | :08:15. | |
The Bank of England is expected to increase its key interest | :08:16. | :08:21. | |
Protecting yourself against that is already costing more. | :08:22. | :08:23. | |
The average cost of fixing the interest rate | :08:24. | :08:24. | |
on your mortgage for five years was around 3.9 percent last year. | :08:25. | :08:27. | |
This weekend, the website Moneyfacts shows just two or three deals | :08:28. | :08:30. | |
Most of the five`year fixed deals it shows now charge interest | :08:31. | :08:34. | |
The lenders will also charge fees of between ?195 and ?1,499. | :08:35. | :08:49. | |
Back in February we got some advice about how to avoid copycat websites, | :08:50. | :08:52. | |
websites that charge a fee to renew a passport, get a driving licence, | :08:53. | :08:57. | |
fill up our tax forms, all services we could get free or for a much | :08:58. | :09:01. | |
cheaper fee on the official websites. Many | :09:02. | :09:04. | |
of these websites are legal but they don't always make it obvious | :09:05. | :09:06. | |
that they're not an official site or that we're paying more to use it. | :09:07. | :09:10. | |
How can you spot them and avoid them? | :09:11. | :09:12. | |
Laura Whitcombe is deputy editor at the magazine Moneywise. | :09:13. | :09:18. | |
Welcome to Your Money. These copycat websites come up near the top of the | :09:19. | :09:24. | |
internet searches. They look very polished and professional. How can | :09:25. | :09:30. | |
you tell they are not the real deal? Some are as blatant as to say they | :09:31. | :09:35. | |
are not. Sometimes that is hidden away in the small print so always | :09:36. | :09:40. | |
look at the small print. Take a thorough read of the home page. If | :09:41. | :09:45. | |
anything seems out of kilter, it probably is. You should always | :09:46. | :09:50. | |
Google search the name of the company or website to check. You | :09:51. | :09:54. | |
might be able to see somebody else's negative review which would | :09:55. | :09:58. | |
be a great tip. Is it a rough rule of thumb that if it is a Government | :09:59. | :10:01. | |
website, somewhere in the web address in the browser it will say | :10:02. | :10:20. | |
gov.uk. That is right. But avoid things with gov somewhere else in | :10:21. | :10:27. | |
the website title. So things that you think are only from the | :10:28. | :10:31. | |
Government can turn up in the copycat address? Yes, so be | :10:32. | :10:35. | |
vigilant. It is not against the law to do this, to offer a service and | :10:36. | :10:39. | |
charge a higher fee. It is legal but you just need to be aware as a | :10:40. | :10:44. | |
consumer that they exist and how to spot them. Yes, and they make money | :10:45. | :10:48. | |
by overcharging you for something that could be provided for free or | :10:49. | :10:54. | |
at a much reduced cost elsewhere. If you have used one by mistake, it is | :10:55. | :11:00. | |
a slip and you thought it was the real thing, and you end up paying | :11:01. | :11:06. | |
more, can you get your money back? It all depends where the fraud was | :11:07. | :11:10. | |
involved. If a website lead you to believe you were buying from the | :11:11. | :11:15. | |
official Government site, then you can argue it is fraud and contact | :11:16. | :11:19. | |
your bank and the fraud team will investigate. However if you were | :11:20. | :11:23. | |
just unlucky and you ended up overpaying for a service that you | :11:24. | :11:27. | |
subsequently received, you did get the passport was a driving licence, | :11:28. | :11:31. | |
then you have overpaid and it is much harder to make a case. So buyer | :11:32. | :11:38. | |
beware. The things you mention, passports and driving licences, they | :11:39. | :11:43. | |
are most common? Yes, also European health cards that people will be | :11:44. | :11:45. | |
looking for in the run`up to the holidays. And sometimes | :11:46. | :11:49. | |
self`assessment returns for your tax. Thank you very much for joining | :11:50. | :11:57. | |
us on Your Money. That is all from us this week. You can keep up to | :11:58. | :12:04. | |
date all week long with the money pages on the BBC News website. And | :12:05. | :12:09. | |
also updates on social media by following our feed on Twitter for | :12:10. | :12:13. | |
example. More again next week and we hope to see you then. Thank you for | :12:14. | :12:15. | |
your company today. The former Archbishop of Canterbury, | :12:16. | :12:25. | |
Lord Carey, drops his long`standing opposition | :12:26. | :12:30. | |
to legalising assisted dying. Israel vows to continue | :12:31. | :12:38. | |
its military campaign against Gaza until Hamas stops firing hundreds | :12:39. | :12:40. | |
of rockets into Israeli territory. Dozens of Palestinians have died | :12:41. | :12:42. | |
in four days of air strikes. The Parole Board says it's being | :12:43. | :12:47. | |
forced to treble the number | :12:48. | :12:51. |