This week Linda talks to financial adviser Alice Gavin as interest rates for fixed rate mortgages hit 6 percent.

Glynis Hobson tells Linda about co-ownership if you cant afford to buy a house on your own. 

With many pensioners facing retirement poverty is Equity Release a good idea?

Simon Murray from the Law Society is also here to answer listeners questions on Wills and Power of Attorney. 

And after complaints about complaints in the public sector the ombudsman announces a shakeup of how public bodies act when things go wrong.

Mortgage Woes, Wills and Complaints

Linda McAuley champions the cause of consumers in Northern Ireland, helping them to solve their problems, make the right choices and avoid the pitfalls - contact the show with your consumer and benefits queries: Write to: OYB
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Linda is joined by Independent Travel Editor Simon Calder and Michelle Kelly from the Consumer Council to discuss consumer rights and top tips for stress free travel. What happens when you're blind and travelling with a guide dog. Andrew McConnell from CAA explains what the law says.  Hiring a car - how to avoid the pitfalls and not end up with unwelcome extras.  We hear from one young woman who told Disney her fiance had died early on the morning of their special trip and that's why she hadn't given them 72 hours cancellation notice. Disney refused to budge on a refund! As Great Victoria Street railway station closes in just a matter of days what happens to schools and commuters? And the £340 million question - Is the new Grand Centra Station on track to open this autumn?


May Day Travel Special

Ninety percent of us are worried about the cost of essentials - food, fuel, shelter and utilities. The consumer council share some tips on how to make your money go further. Carers NI tells us that this week’s Stormont budget could be catastrophic for unpaid Carers. Craig Harrison is in the studio with Linda to explain why.  Next week is a Bank Holiday weekend which is always a good time for DIY but if your skills are lacking could Bryson House and its Handyman scheme help out? And lightning strikes twice for one listener's BT line while another isn't yodelling when his hiking boots fail to arrive!


Carers, Consumers and Cost of Living

This week everything you ever wanted to know about your Rates bill but were afraid to ask. Sharon Magee, Chief Executive at Land & Property Services, explains all.  If you are struggling to pay your rates bill there is help available. Matt Cole from Advice NI joins Linda in the studio.  Stormont debates scrapping the Two Child limit for benefits but worries about the cost. Andy McClenaghan from the Cliff Edge coalition tells Linda that the money should be seen as an investment to combat child poverty.  And Parenting NI is rebranding ....What will Parenting Focus do differently – Muriel Bailey explains the new direction.  And finally waiting lists for MOT's that caused breakdown assistance problems for many Radio Ulster listeners but the AA and RAC have now agreed to help stranded drivers here temporarily. 


Rates, Parenting and Policy

There is still no sign of a Childcare strategy for Northern Ireland and we receive less government support for parents than anywhere else in the UK. Linda speaks to Casey McGivern from Melted Parents and Aoife Hamilton from Employers for Childcare about how parents are coping.  Do you know how to fill in a CV or job application? Consultant Helen Todd teaches Linda her to beat the robots and get to the interview stage.  And Linda talks to Laura Dowie from Timely Careers about the help and support available for those going back to work or changing career.  Finally your money may be safe in the Bank but can you get it out when you want? - not according to our listener John who is not at all happy. We discover how new Financial regulations can make it tricky to withdraw cash.

Careers, Childcare and Cash

Simon Murray from The Law Society gives advice for people living in apartments and town houses that have communal areas like car parks and green areas. These are normally maintained by a management company but what happens if the company goes bust? Listener Tom encountered just such a problem when he came to sell his house. Carers in England, Scotland and Wales are going to be entitled to 5 days unpaid leave from their employers under a new law, but not in Northern Ireland. We hear from carer Natasha about how her job is a lifeline for her to take a break from the pressures of caring for her two children and Craig Harrison from Carers NI calls for the legislation to be introduced here. And, are you going to an EU country on holiday this year? Make sure you check your passport as it is no longer possible to enter the EU if your passport was issued less than 10 years from the date you enter the country. The price of a UK passport is also going up next week on Thursday 11 April. Money Saving Expert’s Peter Lekarski has the details.

Mortgage Woes, Wills and Complaints

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