Money Box

What does it cost to run an online business? Small business owners share their experiences of setting up, marketing and developing their online brand with Adam Shaw and guests. If you've a story, a good tip or lesson learnt we'd love to hear from you. Tweet @Moneybox or e-mail moneybox@bbc.co.uk now and please include a phone number if you'd like to join in.Presenter: Adam Shaw Producer: Diane Richardson Editor: Emma Rippon

We're urged to be more environmentally friendly, but one listener has found he cannot release the equity he has tied up in his specially built, and officially signed off, eco-house. Is the equity release market out of step with efforts to counter climate change? We find out, with Money Box reporter Dan Whitworth and Amanda Moore, senior adviser at the UK’s largest equity release advice firm, Key. Money Box has fresh revelations about criminal websites on the open internet. Two weeks ago we told you about the websites on which crooks buy and sell your confidential financial information. This week, Money Box reporter Kaf Okpattah has found another website which sells a do-it-yourself tutorial explaining how to bypass banking security by intercepting one-time passcodes, in order to steal money from accounts. The government is proposing an Online Safety Bill - but will it stop criminals taking our cash? We hear from Damian Collins MP, Chairman of the parliamentary Select Committee looking into it.Some people who claimed Universal Credit benefits during the Covid pandemic may have to pay it back because the Department for Work and Pensions is suspicious about some claims. That's according to the Child Poverty Action Group, which says the DWP may be acting unlawfully by assuming that anyone who has failed to verify their identity in time - by sending a selfie by their front door holding a local newspaper, for instance - has been wrongly claiming help. We hear from CPAG solicitor, Claire Hall.And our Money Box Mini this week: Can I give my beach hut to somebody without anyone having to pay tax? Listen in for the answer.Presenter: Paul Lewis Producer: Paul Waters Reporters: Dan Whitworth & Kafui Okpattah

How do you turn a brilliant idea into a usable and saleable product, what does it cost to protect your design and how do you get the funding to start production? On Wednesday’s programme Adam Shaw speaks to independent inventors who've developed solutions to personal problems and now sell them worldwide. If you’ve an experience or question you’d like to share we’d love to hear from you too. Tweet @Moneybox or e-mail moneybox@bbc.co.uk nowPresenter: Adam Shaw Producer: Diane Richardson Editor: Emma Rippon

We hear from a new starter whose boss asked her to buy £800 of vouchers - but it turned out to be a scam. Employers’ social media could be putting staff at risk from fraudsters, but to whom can victims turn for compensation? Dr Elisabeth Carter, criminologist and forensic linguist at the University of Roehampton tells us how scammers use a technique known as "genre mapping".Many of us who are self-employed or with side hustles channel the income through our personal accounts, but as one Money Box listener and yoga teacher found out, it can lead to your personal account being suddenly frozen. Andy Chamberlain from IPSE - The Association of Independent Professionals and the Self-Employed - lays out account holders' rights.If you're half of one of the almost one in 10 married couples with an age gap of more than 10 years, your pension could take a surprise hit in the event of your partner dying. Many pension schemes contain a discretionary clause known as the “young spouse discount.” One Money Box listener tells us how her pension was unexpectedly and substantially reduced when her husband of 40 years died - because he was 25 years older than her. We also hear from former pensions minister, Steve Webb, partner at the pensions analysts, Lane, Clark and Peacock.Presenter: Felicity Hannah Producer: Paul Waters Reporter: Dan Whitworth Researcher: Kafui Okpattah

Felicity Hannah talks to parents and community groups about the challenges facing many families and asks what financial and practical support is available. We'd love to hear your views and questions. Tweet @Moneybox or e-mail moneybox@bbc.co.uk and remember to include a phone number if you'd like to take part.Presenter: Felicity Hannah Producer: Diane Richardson Editor: Emma Rippon

How much should the state pension rise by? Baroness Ros Altmann says pensioners are being short changed by a government plan to temporarily break the link with earnings. It'll save tax payers billions, but cost each pensioner hundreds of pounds. Baroness Altmann tells how she hopes to block the plan in the House of Lords next week and force a rethink.A Money Box investigation has discovered that criminals are openly buying and selling your financial information online. This data is known as “fullz”. This illegal trade used to take place on what is called the dark web but has now moved to social media and the ordinary web where it's much easier to find. Money Box Reporter Kaf Okpattah has been delving into the "fullz" trade. We also hear from a victim of the fraudsters, from Jason Dyer of cybercrime intelligence firm Scylla Intel, and from Amber Burridge, Head of Fraud Intelligence at CIFAS.People in Northern Ireland are facing even bigger rises in their gas and electricity bills than those in the rest of the UK. It's been described as the "worst energy price shock since the 1970s.” Gas bills have already gone up by 35 per cent in some cases, and there have been big price rises for electricity and heating oil - which most people use in Northern Ireland. More increases are expected in December. We hear John French, the CEO of the Utility Regulator of Northern Ireland.And the boss of one energy supplier says it's up to customers to wear more clothing if they want to keep their bills down. We hear from Bill Bullen, Chief Executive of Utilita Energy, about his Wear Warm campaign and why he says householders should not let their home temperature rise above 21°C.Presenter: Paul Lewis Producer: Paul Waters Reporter: Kafui Okpattah Researcher: Chris Blake

What will Chancellor Rishi Sunak’s Autumn Budget mean for your personal or household finances? Paul Lewis and guests would love to hear your views and questions on Wednesday's Money Box Live. Joining Paul are:Laura Suter, Head of Personal Finance, A J Bell Heather Self, Corporate Partner, Blick Rothenberg Mike Brewer, Chief Economist, The Resolution Foundation Anita Monteith, Tax Technical Lead and Senior Policy Adviser, ICAEWTweet @Moneybox or e-mail moneybox@bbc.co.uk and remember to include a phone number if you'd like to take part.Presenter: Paul Lewis Producer: Diane Richardson Editor: Rosamund Jones

The government has launched its new green investment bond for savers. The money raised will go to the Treasury and it says help pay for existing green priorities such as making transport cleaner and supporting energy efficiency. Individuals can put up to £100,000 into the National Savings & Investments green bond. It will pay 0.65% a year for three years. But there are dozens of similar products that pay a lot more. Is that the price of going green with your finances? We hear from Becky O’Connor, head of pensions and savings at Interactive Investor.If your energy firm has gone bust and you’re on a low income can you still get the £140 warm home discount off your winter electricity bill? We cut through the confusion with the help of energy analyst Ellen Fraser from Baringa consultants.The pensions gender gap is estimated to be more than double the earnings gap between men and women. But why do pensions magnify the disparity between men’s and women’s pay? Why are women losing out? And how can young women today ensure they're not on the wrong side of a pensions gap when they retire in future? Money Box researcher Anita Langary, and Daniela Silcock, head of policy research at the Pensions Policy Institute, explain. And Money Box reporter Dan Whitworth investigates the case of a graduate who has got back the £1100 she overpaid on her student loan — six years late. Sarah Coles, personal finance analyst at Hargreaves Lansdown, explains how to find out if you have overpaid the Student Loans Company, and how to get your money back.Presenter: Paul Lewis Producer: Paul Waters Reporter: Dan Whitworth Researcher: Anita Langary

Many financial products are labelled as green, sustainable or ethical but how can you be sure that your mortgage, investment or pension really does have a positive environmental impact? What are the options and where can you find the information you need? Why not join the conversation with Felicity Hannah and guests on Wednesday's Money Box Live. e-mail moneybox@bbc.co.uk now and please include a phone number if you'd like to take part.On the panel:Lily Tomson, Share Action. Rebecca O’Connor, Interactive Investor. Jeannie Boyle, EQ Investors.Presenter: Felicity Hannah Producers: Paul Waters and Diane Richardson Editor: Emma Rippon

Debt advisers in England fear that government plans to change the way their service is funded will see big cuts in the amount of face-to-face advice available.We hear from a woman who says in-person debt advice helped turn her life around, in a way that online of over the phone assistance could never match. And debt adviser Amy Taylor, who is chair of the Greater Manchester Money Advice Group, tells us about the impact the changes could have in face-to-face help for people in her region.The parents and guardians of young people who lack mental capacity are still being denied access to their child trust funds, despite the government promising to look at the problem a year ago. In the wake of this week's House of Lords debate on the issue, we hear from campaigning parent Andrew Turner on changes he would like to see to the current expensive, difficult and lengthy legal process facing families who want to access the cash their children need.And as three more energy suppliers go bust this week, Dermot Nolan, the former chief executive of the energy regulator Ofgem, tells us what he thinks is wrong with the system... and how it should change.Presenter: Paul Lewis Producer: Paul Waters Reporter: Dan Whitworth Researcher: Anita Langary Editor: Emma Rippon