12/07/2014 Your Money


12/07/2014

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devices, your mobile phone, your tablet and Europe travel iron if

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that is what you are packing in your hand luggage. It will affect your

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travel plans and we will find out how on this week's Your Money.

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Hello and welcome to Your Money, your weekly guide to making

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

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available without edit or correction on the BBC iPlayer.

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How to make sure we're not caught out by the new security screens

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on mobile phones and tablets at the airport.

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How to publish your own book, what it costs

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And another crackdown on copycat websites that charge more

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We'll see how we can avoid paying higher fees.

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If you're taking the kids or the grandchildren on a plane for their

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summer hols, they'll want to take a tablet or a computer game on board

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Well, you'll need to make sure they've charged it up first.

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On some flights if you don't have enough charge to

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switch it on, you can't take it on board in your hand luggage.

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The extra security checks cover a range of electronic devices

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from phones, laptops and tablets to hairdryers, hair`straighteners,

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electric shavers, travel irons and cameras and camera equipment.

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Caroline Lloyd is a travel insurance expert at GoCompare.com.

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Welcome to Your Money. Just recap the new rules, what they cover and

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which flights are affected. It is a range of flights, starting with

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flights to and from the USA, but the Department for Transport says it can

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cover any flight from the UK. Anything with a battery. You might

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need to prove that you can turn it on so they can see the device is

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working and check it before you go through security. It is just enough

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charge so that it will switch on at check`in? It does not need to be

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fully charged? No, just though they can check it turns on. People taking

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connecting flights might be asked to turn it on at every point and for

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your return flight you will have to show you can power it on as well. So

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you might have to turn it on more than once depending on your travel

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plans? And if it will not switch on? The options depend on the

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airline you are travelling with. It is worth checking with the airport

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you are travelling from to check that you can charge things there.

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You might need to have your charger with you so you can do that. Some

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airlines are giving customers the options of taking a later flight and

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even leaving the item with the airline. Will they sent it to you or

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do you need to come back to the airport afterwards? There is a range

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of options available. Some are offering a career service, and you

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can sometimes collect it when you come back to the airport. ``

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delivery service. And once you get to the check`in and try to turn it

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on and it doesn't, you probably can't put it in your main luggage

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because that has been checked in. Yes. Make sure you have also charged

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it enough or how you are going to use it on the way to the airport and

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at the airport so you are appropriately charged at the

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security check. I am sure people are shouting at the television just

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saying charge it up overnight. Surely nobody is that stupid? But it

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is the use of the device on the way to the airport that might catch you

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out. Yes. And if you are using your phone around the airport, make sure

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it is still charged when you get to security. Is there anything in

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travel insurance about this? If it is confiscated, you are travelling

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to a wedding and you want to have those Kodak moments, can you buy a

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new camera at the other end and ask your insurance company to pay for

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it? I don't know. It would depend on your individual policy and insurer.

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Ring them and check before you do anything. If your device was taken

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off you and you did not get it back, you typically would not be

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covered by travel insurance but because of the publicity around it

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you would be expected to knows that you have to be able to turn it on.

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Thank you. Think you're the next

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Barbara Cartland? Got a blockbuster book inside you

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that's going to make your fortune? More people are writing

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their own books It costs you money to do it and the

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odds are you won't earn very much. Research this week shows

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the typical full`time writer earns Once upon a time there was a

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communications officer for Hampshire police who wanted to write romantic

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comedies. That particular chapter of mixed Spaulding's life only began

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when he found out about do`it`yourself publishing on e`book.

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It was not like I sold thousands of books immediately. It was a few here

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and there. I had to earn enough money to go out for a meal with my

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partner. Because it was so easy to do and because I started to earn a

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bit more money and build up a small following, that prompted me to write

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another and then another. It was the fourth book that really broke me out

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and sold a quarter of a million copies in a year and put me on the

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map. The emergence of e`reader is like this does not mean the end of

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these. But it does allow writers to become their own publishers and yet

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to get their word on the street may cost time and money. That means

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paying for a professional editor, for a designer to create an

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eye`catching cover, and for marketing. The average total cost of

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a book including editorial design and everything you might want to do

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to put a really good book together is somewhere between ?2500 and

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?5,000. Take your time. There is no hurry. This is a long game. Secondly

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get a good editor. That is your most important investment. Thirdly, do

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talk to other authors who have done what you want to do. A quarter of

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writers told a recent survey they had tried self publishing. This

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still represents a fraction of the overall market but many more self

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published works are being sold. Writers reported decent return on

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investment they make to get work published. Upfront costs for a

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lesser return can be mitigated by winning the support of a publisher.

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Some specialise in digital books. We are publishers so our job is to give

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authors money and not to take it. We pay for the cost of production and

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we take care of that. And we pay them a royalty according to how well

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the book sells. If people want to do a little book about a local area or

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a family history, that is probably not a commercial proposition. It is

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very nice, but don't expect to get the money back. Mr Spalding now has

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a 6`figure book deal that has allowed him to buy a house, to write

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for a living and to give his story a happy ending.

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The trade body for insurance companies says they

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should make it more obvious if they're putting their prices up.

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The ABI says the price we paid last year should be listed alongside any

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new prices when the insurance company offers to renew the policy.

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That way we can see at a glance if they've put their prices up.

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It could be the end of next year before this becomes common practice.

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Between now and then you can ask your insurance company to tell

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you what you paid last year before you make a decision or before the

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The Bank of England is expected to increase its key interest

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Protecting yourself against that is already costing more.

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The average cost of fixing the interest rate

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on your mortgage for five years was around 3.9 percent last year.

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This weekend, the website Moneyfacts shows just two or three deals

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Most of the five`year fixed deals it shows now charge interest

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The lenders will also charge fees of between ?195 and ?1,499.

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Back in February we got some advice about how to avoid copycat websites,

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websites that charge a fee to renew a passport, get a driving licence,

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fill up our tax forms, all services we could get free or for a much

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cheaper fee on the official websites. Many

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of these websites are legal but they don't always make it obvious

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that they're not an official site or that we're paying more to use it.

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How can you spot them and avoid them?

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Laura Whitcombe is deputy editor at the magazine Moneywise.

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Welcome to Your Money. These copycat websites come up near the top of the

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internet searches. They look very polished and professional. How can

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you tell they are not the real deal? Some are as blatant as to say they

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are not. Sometimes that is hidden away in the small print so always

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look at the small print. Take a thorough read of the home page. If

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anything seems out of kilter, it probably is. You should always

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Google search the name of the company or website to check. You

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might be able to see somebody else's negative review which would

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be a great tip. Is it a rough rule of thumb that if it is a Government

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website, somewhere in the web address in the browser it will say

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gov.uk. That is right. But avoid things with gov somewhere else in

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the website title. So things that you think are only from the

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Government can turn up in the copycat address? Yes, so be

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vigilant. It is not against the law to do this, to offer a service and

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charge a higher fee. It is legal but you just need to be aware as a

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consumer that they exist and how to spot them. Yes, and they make money

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by overcharging you for something that could be provided for free or

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at a much reduced cost elsewhere. If you have used one by mistake, it is

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a slip and you thought it was the real thing, and you end up paying

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more, can you get your money back? It all depends where the fraud was

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involved. If a website lead you to believe you were buying from the

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official Government site, then you can argue it is fraud and contact

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your bank and the fraud team will investigate. However if you were

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just unlucky and you ended up overpaying for a service that you

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subsequently received, you did get the passport was a driving licence,

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then you have overpaid and it is much harder to make a case. So buyer

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beware. The things you mention, passports and driving licences, they

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are most common? Yes, also European health cards that people will be

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looking for in the run`up to the holidays. And sometimes

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self`assessment returns for your tax. Thank you very much for joining

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us on Your Money. That is all from us this week. You can keep up to

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date all week long with the money pages on the BBC News website. And

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also updates on social media by following our feed on Twitter for

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example. More again next week and we hope to see you then. Thank you for

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your company today. The former Archbishop of Canterbury,

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Lord Carey, drops his long`standing opposition

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to legalising assisted dying. Israel vows to continue

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its military campaign against Gaza until Hamas stops firing hundreds

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of rockets into Israeli territory. Dozens of Palestinians have died

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in four days of air strikes. The Parole Board says it's being

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forced to treble the number

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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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