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Home help required? Home help required?
(20 minutes later)
BBC Radio 4's Money BoxSaturday, 6 Septemberat 1204 BST On Radio 4 and Online Listen to the programme Programme transcript BBC Radio 4's Money BoxSaturday, 6 Septemberat 1204 BST On Radio 4 and Online Listen to the programme Programme transcript
A package of measures aimed at boosting the flagging housing market was announced by the government on Tuesday. A package of measures aimed at boosting the flagging housing market was announced by the government on Tuesday 2 September.
The centrepiece was the scrapping of stamp duty for a year, for all property transactions below £175,000.The centrepiece was the scrapping of stamp duty for a year, for all property transactions below £175,000.
This came into force last Wednesday, but experts are still trying to unravel exactly what many of the other measures will mean. This came into force last Wednesday, 3 September but experts are still trying to unravel exactly what many of the other measures will mean.
We discussed the market and the suggested measures with Michael Coogan, director general of the Council of Mortgage Lenders, Peter Tutton, social policy officer with the Citizens Advice Bureau, Peter Rollings, managing director of Marsh and Parsons estate agents and Graeme Moran, managing director of Metropolitan Home Ownership.We discussed the market and the suggested measures with Michael Coogan, director general of the Council of Mortgage Lenders, Peter Tutton, social policy officer with the Citizens Advice Bureau, Peter Rollings, managing director of Marsh and Parsons estate agents and Graeme Moran, managing director of Metropolitan Home Ownership.
Home help required?
Further information/related stories:Further information/related stories:
Stamp duty axed below £175,000Mortgage interest help is limitedHome buyers weigh up aid measures Credit crunch 'to last into 2010' Housing changes: the reactionNew rules to stop mortgage fraudExternal links and helplinesStamp duty axed below £175,000Mortgage interest help is limitedHome buyers weigh up aid measures Credit crunch 'to last into 2010' Housing changes: the reactionNew rules to stop mortgage fraudExternal links and helplines


Partha Dasgupta, chief executive of the PPF, speaks to Money BoxPartha Dasgupta, chief executive of the PPF, speaks to Money Box
Insolvent pensionsInsolvent pensions
Another 15 insolvent pension schemes were taken over by the Pension Protection Fund (PPF) in August.Another 15 insolvent pension schemes were taken over by the Pension Protection Fund (PPF) in August.
The fund is designed to bail out insolvent pension schemes where the employer has gone bust.The fund is designed to bail out insolvent pension schemes where the employer has gone bust.
The PPF said this brought to 57 the number of schemes that it had rescued since it was established in 2005.The PPF said this brought to 57 the number of schemes that it had rescued since it was established in 2005.
Paul Lewis asked Partha Dasgupta, the chief executive of the Pension Protection Fund, if he was expecting many more schemes to need bailing out if the UK does go into a full blown recession.Paul Lewis asked Partha Dasgupta, the chief executive of the Pension Protection Fund, if he was expecting many more schemes to need bailing out if the UK does go into a full blown recession.
Insolvent pensions
Further information/related stories:Further information/related stories:
More pension schemes are rescuedPension fund finances in the redExternal links and helplinesMore pension schemes are rescuedPension fund finances in the redExternal links and helplines


The '10p tax band' was scrapped by Gordon Brown in his final budgetThe '10p tax band' was scrapped by Gordon Brown in his final budget
Tax rebateTax rebate
Changes to personal allowance come into force on 7 September which will mean about 22 million basic rate taxpayers will get a rebate of up to £60.Changes to personal allowance come into force on 7 September which will mean about 22 million basic rate taxpayers will get a rebate of up to £60.
They will then also see their net pay rise by £10 per month for the rest of this tax year, meaning they may see a total tax saving of £120.They will then also see their net pay rise by £10 per month for the rest of this tax year, meaning they may see a total tax saving of £120.
We explored the details and background of the rebate with Angela Beech of accountants Blick Rothenberg.We explored the details and background of the rebate with Angela Beech of accountants Blick Rothenberg.
Tax rebate
Further information/related stories:Further information/related stories:
Millions due to gain tax rebateMoney Box Live: Tax and self assessmentMinisters see off 10p tax fightExternal links and helplinesMillions due to gain tax rebateMoney Box Live: Tax and self assessmentMinisters see off 10p tax fightExternal links and helplines


Would joining a company such as Whizz Go save you Money?Would joining a company such as Whizz Go save you Money?
Car clubsCar clubs
Parking permits, car tax, insurance, MOT, depreciation - the fixed costs of having your own car can be daunting.Parking permits, car tax, insurance, MOT, depreciation - the fixed costs of having your own car can be daunting.
So some motorists are giving up owning and taking up sharing.So some motorists are giving up owning and taking up sharing.
You pay a membership and then a daily rate, and if you are lucky enough to have a car club car nearby and no one else has booked it, you can use it straight away.You pay a membership and then a daily rate, and if you are lucky enough to have a car club car nearby and no one else has booked it, you can use it straight away.
Bob Howard compared membership to ownership.Bob Howard compared membership to ownership.
Car clubs
Further information/related stories:Further information/related stories:
Car club members on the increaseHave Your Say: Car clubsJoining a quick-hire car clubElectric cars for flat residentsNew car sales 'hit by downturn'Rallying joins 'green' campaignEU 'should ban inefficient cars'External links and helplinesCar club members on the increaseHave Your Say: Car clubsJoining a quick-hire car clubElectric cars for flat residentsNew car sales 'hit by downturn'Rallying joins 'green' campaignEU 'should ban inefficient cars'External links and helplines


A&L warned of 'significant external risks' if the takeover is rejectedA&L warned of 'significant external risks' if the takeover is rejected
Alliance & LeicesterAlliance & Leicester
Thousands of Alliance & Leicester (A&L) shareholders have received voting packs containing forms to approve the proposed purchase of the bank by the Spanish bank Santander.Thousands of Alliance & Leicester (A&L) shareholders have received voting packs containing forms to approve the proposed purchase of the bank by the Spanish bank Santander.
The 258 page document contains details of the planned takeover by the Spanish bank Santander, and explains how to vote on it.The 258 page document contains details of the planned takeover by the Spanish bank Santander, and explains how to vote on it.
We asked Gavin Oldham, chief executive of The Share Centre, what the pros and cons might be and what exactly shareholders would have to do.We asked Gavin Oldham, chief executive of The Share Centre, what the pros and cons might be and what exactly shareholders would have to do.
Alliance & Leicester
Further information/related stories:Further information/related stories:
Warning from Alliance & LeicesterVolatile market hits A&L profitsCan Spanish banks lead survival charge?Santander agrees £1.2bn A&L dealExternal links and helplinesWarning from Alliance & LeicesterVolatile market hits A&L profitsCan Spanish banks lead survival charge?Santander agrees £1.2bn A&L dealExternal links and helplines


BBC Radio 4's Money Box was broadcast on Saturday, 6 September 2008 at 1204 BST.BBC Radio 4's Money Box was broadcast on Saturday, 6 September 2008 at 1204 BST.
The programme was repeated on Sunday, 7 September 2008 at 2102 BST.The programme was repeated on Sunday, 7 September 2008 at 2102 BST.