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00:00:00Thanks guys. Thanks both. Coming up we are investigating how over time toxic
00:00:04fumes from gas hobs in millions of kitchens could severely impact your
00:00:09health. Plus find out how to outsmart the scammers fitting sneaky devices to
00:00:13car park machines to steal your money in seconds. And the truth around weight loss
00:00:19jabs as headlines claim a new injection dubbed Godzilla is about to hit the
00:00:23market.
00:00:30Hello there welcome to Morning Live with Gethine Jones and me Helen Skelts. Is that the first day of term isn't it?
00:00:47It's lovely to be back six weeks. Got a new pencil case? Yeah I have ready to go for a new term with this lovely lot. We've got plenty of advice and money-saving tips for you today and over the next few weeks and months on Morning Live.
00:00:59We have Dr Poonham, former detective Rebecca Mason, BBC Animal Park presenter Ben Fogel and Scam Interceptors Nick Stapleton. It's the dream team to start us off to this new term. Good to see you.
00:01:10Careful where you're going with that because tomorrow there'll be another dream team. You can't say it's the A team. They're not watching.
00:01:14We want to say a big congratulations Nick and Rav and the entire Scam Interceptors team because you are shortlisted for Best Daytime Show at the National Television Awards. Congratulations.
00:01:25Thank you so much. Huge honour. Public vote. Very very happy indeed.
00:01:28Well done. You're well briefed on that.
00:01:31You went public vote.
00:01:32And he's got his suit ready to go. Also Strictly are in there as well. Strictly Come Dancing up for Best Talent Show.
00:01:39We're going to put all the details of how you can vote on our website bbc.co.uk slash morninglive and wish you the very best of luck with that.
00:01:47Get voting please. Get voting.
00:01:49As we mentioned in just a few minutes Nick has the latest scams targeting innocent drivers and Dr Poonow is talking about weight loss jabs.
00:01:56Also on the show every few minutes there is a car accident in the UK at 9.50.
00:02:01Rebecca you're going to share what to do if you're involved in a collision and a bit of personal experience for you.
00:02:06This actually happened to you in the summer. Good to see you're looking all right at the minute.
00:02:10Thank you. Yeah. I mean there's still bruise, still a bit of damage there but I was relatively lucky considering what happened.
00:02:16Yeah it was scary.
00:02:18It's a lot to sort of work out isn't it when it happens.
00:02:22So much to process and even afterwards getting behind the wheel again.
00:02:26It's little things that you don't think it will happen to you.
00:02:30Yeah. Well appreciate you talking about it today and hopefully some help for lots of people out there with some advice on that.
00:02:3610.15 Dan Whitworth from BBC Radio 4's Moneybox. We've put him in a little tax room all by himself.
00:02:42He's going to be explaining how new rules will see unused pensions hit by inheritance tax and why gifting cash to loved ones is a legitimate way to lower any payments as long as you understand the rules.
00:02:56You were dying to take the mick at me then weren't you?
00:02:58No I wasn't.
00:02:59I could feel it.
00:02:59No it's a complicated subject but it's something that affects everybody in more ways than you realise.
00:03:03And it was a legitimate mistake too.
00:03:05With legitimate advice.
00:03:06Plus new families including Hippos, Lola and Hodor have arrived at Longleat Safari Park at 10.30.
00:03:12Ben you guys have such a dedicated following all summer.
00:03:15People are dying to know what's happening long after filming's finished.
00:03:19You've got some updates.
00:03:19We've got some great updates on hippos, on lions, going to be sharing some updates on Pesto the porcupette, a little prickly potato.
00:03:29See I was going to say what is a porcupette?
00:03:31Yeah.
00:03:31It's such a lovely show.
00:03:33We're looking forward to catching up a bit later and it's often a bit like a zoo in here.
00:03:36When we try Strictly Fitness.
00:03:38It's true.
00:03:38When we try a bit of Strictly Fitness.
00:03:40So today Rhys is in charge and he's teaching us moves which can help us give a bit of a boost in the mornings.
00:03:45Which is good because we're all back after six weeks.
00:03:49Yeah no it feels like it's a come down but I'm here to make us feel wild.
00:03:53Okay we're going to energise those mornings, feeling good.
00:03:55I've got a great routine.
00:03:57It's Montel and Johannes.
00:03:58It's from their couple's choice.
00:04:00So we're doing some Caribbean African flavour in this one.
00:04:03It's the body rolls you can see right there with some snaps, some tapping of the feet.
00:04:07It's going to be a really really good one to get the whole body moving and grooving.
00:04:10Lovely.
00:04:11I'm not going to lie I feel like we're going in at the deep end.
00:04:13And Nick and Ben's face were like really? A body roll on day one?
00:04:16Yeah.
00:04:17They've got it.
00:04:18But we know Poonham's got it as well because obviously Poonham's part of the Strictly team that are being voted for an NTA as well.
00:04:24So you know we've got a full team of nominees.
00:04:26That's a bit of pressure. I still can't do body rolls.
00:04:29Tell the boys that. You're meant to say it's easier.
00:04:30But Gethan you're brilliant at body rolls is that right?
00:04:32Correct.
00:04:33Yes.
00:04:33Looking forward to seeing it.
00:04:35If you've got a question for any of the team body rolls or otherwise you can of course get in touch in all the usual ways.
00:04:40Email morninglive at bbc.co.uk.
00:04:43And we've not had a WhatsApp for a while so send us a message 0800 032 1100 or scan the QR code on the screen.
00:04:50That's for messages and pictures only. Please don't call the number.
00:04:54Now we're starting today though with something in millions of homes across the country.
00:04:57We're talking about gas hobs.
00:04:59You might have used one to make your breakfast this morning.
00:05:01Research has found that over time the toxins that burners emit can have a massive impact on your health.
00:05:08Presenter Poppy J has been to find out the easy ways to stay safe when cooking that won't cost a fortune.
00:05:16Around half of us in the UK cook on gas.
00:05:20Some think it cooks food better and faster or your gas hob might just have come with your kitchen.
00:05:25But research shows that cooking with gas puts us at higher risk of breathing in poisonous fumes than using electric or induction.
00:05:33These risks aren't new which is why gas hobs should always be used with an extractor fan or open window in the room.
00:05:42Gas hobs can release many different pollutants during cooking.
00:05:45They include nitrogen dioxide.
00:05:48The same pollutant that comes out of car exhaust and linked to respiratory issues like asthma.
00:05:54And there's carbon monoxide which can build up in homes that aren't properly ventilated.
00:06:01And cooking produces something called particulate matter, especially when cooking on gas.
00:06:07These particles can get into our bloodstream and have been known to contribute to heart and lung poplars.
00:06:12As well as making existing conditions worse.
00:06:17Farah lives in Manchester with her teenage son.
00:06:19They both have asthma and until recently did all their cooking on a gas stove.
00:06:26Can you tell me what you started noticing?
00:06:28My breathing was affected, tight chested.
00:06:31So I used to take my inhaler.
00:06:32And my son used to take his inhaler constantly.
00:06:35I felt quite dizzy.
00:06:38As part of a project run by environmental charity Global Action Plan, which campaigns for clean air,
00:06:45Farah was filmed using an air monitor to keep records of the gas emissions coming from her cooker.
00:06:49It showed a high level of nitrogen dioxide.
00:06:52I was like, oh my goodness, this is actually going to affect my health and my son's health.
00:07:01Replacing a gas cooker with a new induction hob, which needs compatible pans or an electric cooker,
00:07:07would have been a stretch financially.
00:07:10But as part of a scheme for transitioning from gas to electric,
00:07:14Farah and her neighbours received new induction hobs and electric ovens.
00:07:18How did it feel when you finally had the induction cooker fitted in?
00:07:24I felt that my asthma was better controlled.
00:07:28I didn't need to take my inhaler as much.
00:07:30And my son didn't need to take his inhaler as much.
00:07:32The induction cooker has really improved my quality of life.
00:07:36One study in 2024 suggests that gas cookers are responsible for nearly 4,000 early deaths in the UK each year.
00:07:45Someone who has personal reasons to do something about that is designer Danny Cain.
00:07:50My wife and I moved into a new-build home and our 18-month-old son suddenly started to suffer from respiratory problems.
00:07:58I started to do some of my own research and I really was amazed by how little I knew about indoor air pollution.
00:08:04Most of the pollution comes from activities that we do in the home, such as cooking and cleaning.
00:08:07It's estimated that we spend around 90% of our time indoors, with most of that at home.
00:08:14And although factors like smoking and wood burners can also affect indoor air quality,
00:08:19one study found that cooking a roast dinner on gas can have a surprising impact on it.
00:08:24You're exposed to roughly the same particulate matter pollution as you would be standing in Delhi for a full day.
00:08:31One of the most polluted cities in the world.
00:08:34Danny's device is one of several on the market that measures levels of nitrogen dioxide,
00:08:39as well as the particulate matter which especially affects people with asthma.
00:08:44We're using it to see how the indoor air quality in this kitchen is affected when we cook with gas or with induction.
00:08:51It should never be used in this fashion, but for the purposes of this test,
00:08:56first up, gas stove, windows closed, extract to fan off.
00:09:01So we've got Danny in the kitchen, he's boiling some water, he's frying some eggs,
00:09:06and we've shut all the windows and we're going to measure the air quality.
00:09:10We've got to the point where enough particulates are in there that the sensor's now really kicked in.
00:09:16And you can see that in real time, as the sensor picks up these particulates,
00:09:21it's in the bad range of over 200 parts per million.
00:09:25Over time, that can cause respiratory problems.
00:09:29So that's why ventilation in the kitchen is so critical.
00:09:33The levels of nitrogen dioxide are climbing too, although they're still in a safe range.
00:09:38So you can see that this has started at one and is now already on its way to six
00:09:43because it's starting to pick up the nitrogen dioxide and other oxides given off by the gas cooking.
00:09:50Being exposed to that level for a short period isn't harmful, but if you did that daily, it would be.
00:09:56So, after ventilating the room, window open and extract a fan on to cook on gas again.
00:10:02So you can already see that the nitrogen dioxide has now returned to pre-cooking levels,
00:10:08so that falls off pretty quickly, but the particulates are still very high.
00:10:12But now, after allowing time to ventilate the room,
00:10:16we're switching to an induction hob with the window shut and fan off.
00:10:21You can see that nitrogen dioxide hasn't moved so far at all.
00:10:25And we scroll to the particulates, see that they are starting to climb slowly.
00:10:31Cooking on an induction hob doesn't eliminate particulate matter, but it does reduce it.
00:10:38The truth is, cooking on gas, even on a well-maintained hob,
00:10:42means that stuff in the little blue flame, which is a fossil fuel, will give off emissions.
00:10:48Some say that induction, on the other hand, is not only energy efficient, but potentially better for our health.
00:10:557.2 million people in the UK have asthma.
00:10:58Emma Ruback is the head of health services for Asthma and Lung UK.
00:11:03What about those people who have a gas cooker who can't switch over to an induction cooker?
00:11:09Luckily, there are other things you can do to keep yourself safe and keep your lungs healthy.
00:11:13The main things are making sure that you use your extractor fan when you're cooking,
00:11:17and make sure that you take the grease off it regularly and it's working properly.
00:11:21If you're in the kitchen, close the door so the fumes don't go upstairs.
00:11:25Open the window wide and leave it open for about 10 minutes.
00:11:28And the other thing is just to think about just using less gas.
00:11:30So you could use an air fryer, you can use a toaster, you can use a microwave.
00:11:34What advice would you give to people who have a gas stove and have some sort of respiratory condition?
00:11:40Make sure you're taking your medicines as prescribed by your GP.
00:11:43So your medicines will help dampen down the inflammation in your lungs and will stop you having a flare-up.
00:11:49It is possible to reduce kitchen pollution without ripping out your cooker.
00:11:54And there's more advice online from the NHS and Asthma and Lung UK.
00:11:59There are lots of little and low-cost changes we can make to help improve the air quality in our homes.
00:12:05Even just trying one of these will help us breathe better and make our cooking cleaner.
00:12:13I think it's really important to reiterate, we're not saying get rid of your gas hob.
00:12:17So many people have them.
00:12:19It's all about the precautions that you can take when you're cooking, Poonam.
00:12:22You can keep yours and your family safe, can't you?
00:12:25Absolutely.
00:12:25The studies mentioned are about the long-term risks of exposure when there's no ventilation.
00:12:32So as we saw there, it's important to use your extractor fan.
00:12:35Lots of people do it just when it's smelly or a bit smoky.
00:12:38But actually we should do it when we're cooking in general.
00:12:40I know we're going into winter, people are going to worry about opening windows for temperatures dropping.
00:12:45But even just a little bit of ventilation and fresh air when you're cooking is better.
00:12:49Get that airflow in the kitchen.
00:12:52Scammers are always trying to cook up a new plot to steal your money when you least expect it.
00:12:57And a fresh warning has been issued because of a rise in parking scams targeting innocent drivers.
00:13:03I feel like we have discussed these types of cons before, Nick.
00:13:06But there are some new tactics that criminals are using.
00:13:10Yes, there are definitely.
00:13:11I've noticed a bit of a surge in this, I would say, over the summer.
00:13:14I myself got multiple fake text messages from scammers claiming I had unpaid parking tickets.
00:13:20Same.
00:13:21Yeah, there's also been dodgy letters going around that were, again, related to unpaid tickets supposedly.
00:13:26But then this most recent one I think is really interesting.
00:13:28This is hidden card readers.
00:13:30So in County Durham, tiny little Bluetooth card readers, like what you'd tap to pay contactlessly, were found added on to parking machines.
00:13:39Right.
00:13:40So they look like that.
00:13:41And the way this works is basically you go to pay for your parking, you tee it up and then you see the thing and you tap your card on it.
00:13:48It'll say card declined.
00:13:50Right.
00:13:51But that device has actually stolen your card info.
00:13:54So it's a skimmer, like in the same way we used to have them on ATMs.
00:13:57People would worry about additional devices being put on ATMs.
00:14:00They're now doing that with parking machines.
00:14:02So you obviously then go off, you try and pay on another machine, but it's too late.
00:14:05The scammers have already stolen your card details, which they can then go on to use for whatever.
00:14:10So very, very, very clever.
00:14:11And we did ask the police in County Durham about this.
00:14:13And they said basically that type of card reader that you saw in the picture there, they're never using them for off-street parking.
00:14:20So it's just not a thing.
00:14:21So if you see one like that, you can be sure it's a scam.
00:14:23The scam is just, they'll try everything, won't they?
00:14:26What are the things to look out for when you're actually talking about the machine itself?
00:14:31How do you know it's been tampered with?
00:14:32So difficult, but I think look closely and inspect it.
00:14:37So does it look kind of aftermarket?
00:14:39Does it look like it's been added to the machine?
00:14:41Because I would say, generally speaking, contactless card readers, whilst there might be a little bump that comes out of the machine, they should look like they're part of it.
00:14:48If you see something that's kind of stuck on where there's like a clear gap between it and the machine, or there's maybe some extra wires or something like that, I think that would be a good indicator that it's probably a scam device.
00:14:58Then you've also got the logos.
00:15:01Check that the logos on the actual payment device match those on the stickers on the machine, because the sticker on the machine should have some kind of information about how you're going to pay.
00:15:08Obviously, trust your gut.
00:15:10Like, if it looks strange, just walk away and try and find a machine that doesn't have one of those devices on it.
00:15:14You can always also, obviously, use cash, or you can use one of those parking apps.
00:15:18There's quite a few of them out there that allow you to pay for parking in quite a lot of different places.
00:15:22And if you do see something like that, one we've shown you a picture of, just make sure you're reporting it to your local authorities.
00:15:26Also, QR codes as well.
00:15:27Be careful of those, because they change those around as well.
00:15:29Stickers over QR codes.
00:15:29We've talked about that before.
00:15:30Be old school.
00:15:31Have a couple of quid in the car.
00:15:33I'll get the bus.
00:15:34What, you're not convinced by this, are you?
00:15:35No, but I just feel like I've spent my summer watching people scratch their heads next to parking machines.
00:15:40Look, you've spent your summer paying genuine parking fines.
00:15:42That's what you've done.
00:15:43We're talking about scammers here.
00:15:45But you two started this conversation and went, oh, loads of fake parking charges.
00:15:49How do you know?
00:15:50There's so many confusing ways when it comes to parking your car.
00:15:54You've touched on a few, but just remind us of what is a genuine parking charge notice.
00:15:58How do you know when it's a real fine?
00:16:00Well, you rightly said parking charge notice, because there's three different types, and two of them have the acronym PCN, which is incredibly unhelpful.
00:16:07So, the three types are your penalty charge notice, which I think everybody is familiar with.
00:16:14This is the one that would be taken from the front of Helen's car and brought into the studio.
00:16:17We laugh because it's true.
00:16:19For us to use as a prop.
00:16:20So, those are issued by councils, and they're always for parking or for traffic offences.
00:16:26They'll be stuck to your windscreen or handed to you in person, and then you'll probably also get a letter in the post to support this thing.
00:16:34The fixed penalty notice, which is different, there's an FPN, that is police-issued and relates usually to things like speeding, for example, right?
00:16:42And you might get some points.
00:16:44It can be a fine as well.
00:16:46Parking charge notices, Helen, which is what you mentioned, are not this.
00:16:49That is from a private company, right?
00:16:52So, it's not a government fine.
00:16:53It's not from a local authority, and it's not a fine, actually.
00:16:56It is effectively an invoice for you breaching the terms of your contract with that private company.
00:17:01So, do you still have to pay it?
00:17:02Yes, you may need to pay a private notice if the signs aren't clear, if the time limits aren't visible, you know, if the markings are unclear.
00:17:08The same ways you can appeal, you know, a normal parking ticket, basically.
00:17:11But just please, please, please check carefully before you refuse to pay, because obviously you may end up paying more if you don't pay it soon.
00:17:17You've brought some examples with you of fines, the ones that are actual fines and the ones that are fake and being able to tell them apart.
00:17:24Yes.
00:17:25So, I thought it was important to talk about these scam texts that have been going around, because I know I've definitely had plenty of them.
00:17:30So, you're going to get a scam text that basically says something like, you've got an unpaid parking fine.
00:17:34And I think we've actually got a picture of one that we can show you here.
00:17:38It'll have a dodgy link in it, which claims to be the place that you need to go to pay the parking fine.
00:17:42And it's got that classic scammer language of, like, the impression of urgency, someone trying to make you panic, knock you off balance, get you to do something you wouldn't normally do.
00:17:50At the bottom there, it says your license could be revoked if you don't do it.
00:17:53Now, that is not a thing.
00:17:55You're not going to have your license revoked for getting a parking ticket.
00:17:57Just straight away, we can see it's a scam from that.
00:17:59The dodgy link goes through to a mimic gov.uk site.
00:18:04So, this is a fake, as we've stamped it.
00:18:07It's a clone.
00:18:08The scammers take the logo.
00:18:09They take all the branding.
00:18:11And these guys are doubly clever, because they've put in on the next page where you put your registration plate in, it actually goes through and gives you a fake number of a fake fine.
00:18:18Regardless of what you put in that box, you could put in your name, whatever, it doesn't matter.
00:18:21And it's still going to give you this fake fine, right?
00:18:23On top of that, they've built the site so that it probably reads your IP address, which is your geographical location in the world, from the Internet.
00:18:32And then it gives you your local area's name when you click through, right?
00:18:35So, you could think, oh, okay, yeah, that is actually where I live.
00:18:38Maybe I have got a parking ticket.
00:18:39Super, super, super convincing.
00:18:41The only real giveaway on this fake site is the dead links.
00:18:46So, I always say this.
00:18:47If you're unsure, if you think you might be on a clone website, if you click around a little bit, you'll find sometimes that none of that stuff works.
00:18:53And that's because scammers, they don't bother making the whole site.
00:18:56They just design the bit that steals your money.
00:18:57They make it look like there's a whole site there.
00:18:59But if you click on that stuff and it doesn't work, you are on a clone website for sure.
00:19:03Look, not everybody is as wonderfully suspicious as you.
00:19:06Most of our viewers are law-abiding citizens, and if you get a text, you're going to panic and think, oh, I should pay this.
00:19:13What advice have you got for people who think they might have a dodgy scam text?
00:19:17As a terribly cynical man, I would say the following.
00:19:20Wonderfully, I said.
00:19:21So, never click on these suspicious links, right?
00:19:25Let me do that work.
00:19:25Let us do it and show you what's behind them.
00:19:27But please don't do it.
00:19:28If you get a suspicious link in a text message or an email or whatever, just do not click through.
00:19:31If you did do it, very good idea to restart your phone or whatever device you're using, if it's a computer, because a lot of these links now have dodgy remote access built into them.
00:19:42So, if you click through on the link, you'll suddenly find you've actually got a scammer who's got access to your phone or your computer, which is obviously a very ugly situation to be in.
00:19:49If you restart it, you'd kill that connection straight away.
00:19:52If you've given details, change passwords.
00:19:55Go back and think about what online accounts you have that have got money tethered to them.
00:19:58Change those passwords and tell your bank's fraud department as well.
00:20:01Like, if you've passed over information in a parking scam like that previous one, you definitely need to tell them.
00:20:05If you're on an Android phone or a computer, you can also get some antivirus, run a scan.
00:20:09It'll tell you if there's some malware there.
00:20:11But I think this is the most important thing to remember, right?
00:20:13Legit parking fines have to come in writing.
00:20:16So, they're either placed on your car or put in your hand or they come in the post.
00:20:20They will always include your vehicle's registration, the time that the offence happened and the location it happened in.
00:20:26If you don't have those things, like in that text message, it is a scam.
00:20:28Yeah, it's one thing to remember, isn't it?
00:20:30If you're getting a text, it's absolutely a scam.
00:20:32It's got to do with parking fines.
00:20:34Thanks, Nick.
00:20:35When you are behind the wheel of your car, most journeys fly by without any issues.
00:20:39But every day in the UK, there are over 900 accidents on the road.
00:20:44Shortly, we are going to be sharing advice on what to do if you are involved in one.
00:20:48But before we do, Rebecca, we just want to have an update from you.
00:20:51Because in the summer, you were involved in a horrific crash.
00:20:56You look fine and healthy and happy.
00:20:58How are you?
00:21:00Good days and bad days.
00:21:02Visibly, I'm OK.
00:21:04There's a lot of internal damage still.
00:21:07And it's a bit of psychological as well.
00:21:08I mean, it's something that takes you a bit by surprise.
00:21:12As a police officer, I attended a lot of road traffic collisions.
00:21:15And you never really think you're going to be the other side of it.
00:21:18And I was.
00:21:20I was driving.
00:21:21Ralph and I were due to go out for the day.
00:21:23I was driving to a friend's to actually get my hair done.
00:21:25And out of nowhere, driving down a straight road, clear day, a lady in a vehicle coming
00:21:31in the opposite direction, had a medical episode behind the wheel, swerved into my lane and
00:21:35hit me head on.
00:21:37Don't really remember much of it.
00:21:39She hit me.
00:21:40Next minute, I've got two men at each window telling me to hurry up and get out of the vehicle.
00:21:45We saw that the damage is...
00:21:48It's quite hard seeing it now.
00:21:52Yeah, it's...
00:21:53Yeah.
00:21:54So the next thing you've got, sort of, two gentlemen have come up to check you all right.
00:21:58Yeah, amazingly.
00:21:59I mean, if it wasn't for those witnesses at the scene, I don't know.
00:22:02Because everything goes in such a blur.
00:22:05It's amazing how one minute I was driving down the road, the next minute my car's facing
00:22:08the other way, it's smoking, two people at the side, covered in glass, thinking, what?
00:22:14I don't know what's happened.
00:22:15Gone out of the car and thankfully people had stopped and sort of helped myself and the
00:22:22other driver before emergency services turned up.
00:22:25Because I think without them, I mean, I had no idea what had happened.
00:22:27Yeah.
00:22:27And as you say, you're a professional, I've seen a lot of these cases.
00:22:32But when you're in the situation yourself, that sort of checklist that you're going to
00:22:35go through with us now sort of goes out your head.
00:22:38It just shows how easy it is to freeze in that moment.
00:22:42It is.
00:22:42It's totally understandable.
00:22:43You're absolutely right.
00:22:44And like I say, I'll go through some points if you are involved in a collision, what you
00:22:48can do.
00:22:49But obviously, I do want to stress as well that if you are in a situation like that,
00:22:52it is highly likely that you're not going to think these things straight away.
00:22:58So I'm going to try and keep them as simple as I can.
00:23:00You're a professional, Rebecca, but you're also a human.
00:23:02I think people get that.
00:23:04I mean, we'll go through.
00:23:05The first thing to do is stop at the scene of the accident.
00:23:09It's actually an offence if you make off from the scene of an accident.
00:23:12So the first thing you do is stop and take a minute.
00:23:15Take a minute to make sure you're OK.
00:23:18Then check yourself for injuries.
00:23:20Look down.
00:23:20Are you OK?
00:23:21Are your passengers OK?
00:23:23If you can, turn the engine off.
00:23:26Guilty of it was one thing I didn't think to do.
00:23:28I just wanted to get out of the vehicle.
00:23:29But if you can, turn the engine off on the car as well before you exit the vehicle.
00:23:33Like I say, hazards to warn other road users as well.
00:23:36If the road isn't blocked, you know, you could be, you have to alert them a little bit.
00:23:39Now, you don't always have to call 999.
00:23:43It's not necessarily always a thing you need to do.
00:23:47But I'm just going to go through some reasons as to why you would call 999.
00:23:51And that's whether, say, the other driver leaves the scene.
00:23:55Because really, they're meant to stop.
00:23:56So that immediately call 999.
00:23:58If you think or suspect the other driver may be uninsured or under the influence of drink or drugs.
00:24:04If you suspect the collision to be deliberate.
00:24:07If the collision has caused a roadblock or is a hazard to other road users.
00:24:11Or if there's any damage to property, roadsides, railings, things like that.
00:24:15So they're the reasons to call the 999.
00:24:18And make sure you do exchange details with the other party.
00:24:21Even if it's something simple as name and address and contact details.
00:24:24I mean, ideally, you're going to want the person's insurance details if you can.
00:24:28But if that's not possible, name, address, even a photo of the licence plate that you've got there as well.
00:24:34And just trying to remember a description of that driver.
00:24:36Again, I was not in a position to get any of this information.
00:24:40I mean, I'm so lucky that Rav turned up when he did.
00:24:43Honestly, I've never seen that man go into almost old work mode.
00:24:47He was fantastic.
00:24:47We should say Rav's your partner.
00:24:49He's just amazing.
00:24:50He doesn't just turn up.
00:24:52He's back and sees no one.
00:24:53Just getting an accident so Rav turns up.
00:24:55No, he is.
00:24:57And within ringing him, got there.
00:24:59He got all the witness details.
00:25:00And taking photos of the scene.
00:25:02And, you know, it's just, honestly, everything was just such a blur.
00:25:06Just reacting to a couple of things you just said.
00:25:08One of those things about being the deliberate crash is what we talk about cash in the crash, isn't it, sometimes.
00:25:14That's what we mean by those deliberate moves.
00:25:17Talking about, if you are channeling your inner Rav and you have the capacity to do all of these things,
00:25:23what evidence should people take in that moment in case of a dispute?
00:25:27Yeah, so a lot of people would tend to just take photos of damage.
00:25:30They think, right, damage, I need to let my insurance company know what you are meant to do within 24 hours.
00:25:34But they'll immediately think just taking photos of damage.
00:25:36But what can be so important is what happens around the scene of the collision.
00:25:42So what was the weather like?
00:25:44What was the road like?
00:25:45Are there any obvious road markings on the way up?
00:25:47Are there skid marks along the road where you've tried to break or moved out of control?
00:25:52So there are so many things other than just taking photos of the damage themselves.
00:25:59Also getting, like I said, witness information.
00:26:01It is so crucial.
00:26:02I had no recollection of what happened during that accident.
00:26:06They were vital in me having an understanding of what I'd taken on.
00:26:09And so I could let my insurance company know.
00:26:12You know, and it's so important as well.
00:26:14We always say about apologising at the scene.
00:26:16It's an automatic, I think, as humans and certainly here.
00:26:19We always apologise, even when things are maybe not our fault.
00:26:23But some insurance companies can take that as an admission of guilt.
00:26:26And you may not be in the wrong.
00:26:28So, you know, you just sometimes you just don't don't know.
00:26:31And also dash cam footage can be really important.
00:26:35I've now got a dash cam.
00:26:36Any local CCTV as well.
00:26:40So if you're when you're taking photos of the scene, if you can see any CCTV or again, if witnesses have got any dash cam, it's so important just to piece together really what has happened.
00:26:50You're saying that Rav actually turned up quite quickly.
00:26:52And I think he took a picture, didn't he?
00:26:53Like a wide shot.
00:26:55Is this?
00:26:55Yeah, this is it here.
00:26:56And that's to your point.
00:26:58You can get an idea of what looking at that photo.
00:27:00You say you get an idea, but it's an understanding, really.
00:27:03I mean, I was travelling straight on.
00:27:04If you're looking at that photo, the blue vehicle was coming as if into the picture there.
00:27:09And we are both on completely the wrong sides there.
00:27:12But it does give you a bit more of an understanding.
00:27:14But what is key in that?
00:27:15You can see the visibility.
00:27:17You can see that really on there, there was no signs of anyone braking.
00:27:21And you can see that it's actually technically a straight road going into the speed limit sign.
00:27:26So it just paints a lot more of a picture.
00:27:28And just that looks like a wing mirror on the left there, doesn't it?
00:27:30Actually, that's the roof of the other car.
00:27:33Please take your time getting your head around this, Rebecca, because it is a lot to process.
00:27:39And as you mentioned at the start of it, it's a lot full stop.
00:27:43You mentioned there that the other person had a medical episode.
00:27:47Dr. Poonam, I'm sure everybody knows somebody, don't they, who you think, should they be driving?
00:27:52Is this the right thing?
00:27:53Even for ourselves, you know.
00:27:55What advice would you give to people or family members if there's a concern about them driving?
00:27:58Yeah, if you are worried that a medical condition could affect your ability to drive, the UK law actually requires you to inform the DVLA.
00:28:08Now, as a GP, I quite often speak to patients if somebody has had a fainting episode that we've not got to the root cause of,
00:28:15if there's been any history of seizures or epilepsy, heart disease, strokes, neurological conditions.
00:28:21And, you know, any of this that can affect your ability to drive, because you're not only just putting yourself at risk,
00:28:25you could potentially put other people at risk.
00:28:28You could face fines of up to £1,000, risk prosecution.
00:28:31Your insurance could become invalid.
00:28:33So it is important that you let the DVLA know.
00:28:36And on occasion, if you don't do that, as doctors, we actually can take that into our own hands
00:28:42and inform if we are concerned that there is a risk.
00:28:44It's never easy.
00:28:45I think driving, it's such a personal thing.
00:28:47It's your sense of identity, your independence, and it can be tricky.
00:28:52But, yeah, do always just be safe and let the experts know.
00:28:56Always so much respect for someone who can run and share in something so personal
00:28:59in the hope that it will help other people.
00:29:02A lot of the information that Rebecca was talking about there,
00:29:04what to do if you ever find yourself in that situation,
00:29:06is on our website, bbc.co.uk slash morninglife.
00:29:10Rebecca, you have, in other news, a new series that has launched on iPlayer today.
00:29:15It's called Cracking the Case.
00:29:17It is, yeah, that's it.
00:29:19It's called Cracking the Case.
00:29:20It is available now.
00:29:21All three episodes are on there.
00:29:23It's myself, Callum Leslie from BBC Radio 1's Newsbeat
00:29:27and forensic psychiatrist Shaham Das,
00:29:30who is actually a morning live regular face.
00:29:32Yeah, yeah, he's fascinating.
00:29:32And we look at some of how the UK's most shocking crimes were committed.
00:29:39It's quite hard-hitting, but we sort of go through the investigation step by step,
00:29:45how the evidence is pulled together.
00:29:47I share my experience of what it's like working on these types of cases,
00:29:50but we also get to the psychology behind them.
00:29:53And most importantly, we actually hear from the victims' families,
00:29:57whose lives were changed forever.
00:29:59We're going to see a little clip of, I think it's episode two, isn't it?
00:30:01Just quickly describe what's going on here.
00:30:03Yeah, so we're going to see a clip of episode two
00:30:05where we reviewed the case of one of the most prolific sexual predators in the UK.
00:30:12He masked as a PhD student.
00:30:15And what we're going to look at here is how he kept trophies from his victims
00:30:20and actually secretly recorded his crimes.
00:30:22So this was the trophy box that he had, but this is the chilling part of it.
00:30:30Items from his victims that he had kept inside of it, clothing, makeup, jewellery.
00:30:35I mean, that's horrific in itself, isn't it?
00:30:37You used the word trophy, right?
00:30:39And it feels like these individual items are trophies
00:30:41and obviously the video themselves are a form of trophy.
00:30:45And like any trophy, it is a mark of success or a conquest against the victim.
00:30:50But I also think in Zoe's case, it was also kept for later on
00:30:54for sexual gratification that's delayed.
00:30:56And we talked about videos.
00:30:58We talked about these spy cameras that police found Rebecca.
00:31:01What are these like? We've got one to have a look at, right?
00:31:03Actually, yeah, I've got a similar model that I've bought.
00:31:06Now, take a look.
00:31:08So they're small.
00:31:08At this.
00:31:09Really small.
00:31:10That is tiny.
00:31:11We've already seen how chaotic his room was.
00:31:15Cameras like this were placed around it.
00:31:17Now, he said he bought them just to record video and audio.
00:31:21In your bedroom?
00:31:22That small?
00:31:23Someone who buys a camera like this does not want it to be found.
00:31:28A shocking case, but fascinating how you work your way through all of it.
00:31:34All episodes of Cracking the Case are on iPlayer now.
00:31:37And if you've just joined us, it's Morning Live.
00:31:39Hello, everyone.
00:31:40We're back.
00:31:40It's 10 o'clock.
00:31:41We're perfectly on time.
00:31:42We've not lost a beat.
00:31:44At 10.15, BBC Radio 4's Moneybox journalist Dan Whitworth
00:31:47will be out of its tax room explaining how to change inheritance tax rules
00:31:52and how they could be impacting your pension.
00:31:55Plus, at 10.30, BBC Animal Park presenter Ben Fogle
00:31:57is sharing how Longleat's newest arrivals, Hazel the koala
00:32:01and Pesto the poppy pet, are getting on.
00:32:04Also, today at 10.35, we're meeting the toddlers,
00:32:07helping teens improve their school attendance.
00:32:10It's not only adorable, but it's also making a massive, massive difference.
00:32:15And we are learning an energy-boosting routine in Strictly Fitness with Rhys.
00:32:19You are going all out for a Monday.
00:32:21All out.
00:32:22OK.
00:32:23Ready.
00:32:23Wake up.
00:32:24There you go.
00:32:24I've got your attention.
00:32:25We are doing a really big body-rolling move today.
00:32:28We're doing it from Johannes and Montel's couples-choice routine.
00:32:31Some snaps, some foot-tapping.
00:32:33The whole body's getting involved.
00:32:34No exceptions.
00:32:35The first one back, so I'm making sure that we're going to be sweating this morning.
00:32:40Feel free to incorporate Ben's sort of...
00:32:41I did kind of want to do that, and I got scared because, like,
00:32:44he was so good, and I didn't think I was intimidating.
00:32:46I'm more of a better cub than a lion.
00:32:49You're a meerkat, and he's a lion.
00:32:50Stop building up my body rolls, Ben.
00:32:51Me and you're going to talk.
00:32:53Stick around for that.
00:32:55Whilst a bit of Strictly Fitness is a great way to get moving,
00:32:57more people are turning to weight-loss jabs to help change their lifestyle.
00:33:00But the price of the medication from one of the most popular brands,
00:33:04Manjaro, has increased today, and it's left people worried, Poonam.
00:33:10This price increase, a lot of people are concerned about it.
00:33:13Yeah, and I completely get why they're concerned about it.
00:33:16I'm seeing more and more people coming in to speak to me
00:33:19about their weight management.
00:33:21Just last week in my surgery, I referred eight patients
00:33:24to our NHS weight management services.
00:33:27And I know lots of patients and people that are taking this medication.
00:33:31It's been life-changing.
00:33:32You know, these are people who have struggled for years silently with their weight.
00:33:36They have tried absolutely everything,
00:33:37and then they have found something that's actually helped them.
00:33:40So to think suddenly that the price has gone up,
00:33:42that it might become unaffordable, inaccessible,
00:33:44of course it is a huge concern.
00:33:47So what's happened is that the manufacturer behind Manjaro, Ellie Lilly,
00:33:51has announced huge rises in their prices by up to 170%.
00:33:56So that was taking the dose that is the highest dose of Manjaro
00:33:59from £122 a month to £330 a month.
00:34:04So a huge jump.
00:34:05But over the weekend, they have discounted that rise to £247.50.
00:34:10Now, that's still a huge jump for your average Joe Bloggs,
00:34:14who has found something that's working.
00:34:16How are they going to access it?
00:34:17And that's per month, isn't it?
00:34:18That's a month.
00:34:18£247.50 per month.
00:34:19Yeah, absolutely.
00:34:21So, you know, the manufacturer, Ellie Lilly,
00:34:23is saying that they are bringing the UK in line with Europe
00:34:25and other countries.
00:34:26But of course, you know, if you're on it,
00:34:28you're not thinking about the economics,
00:34:29you're thinking about your health.
00:34:31I have heard online people talking about half in the doses of Manjaro.
00:34:36I wouldn't recommend that because that implies that they are reusing their needles,
00:34:40which has a risk of infection.
00:34:42But also, then you're not getting the benefit from that medication.
00:34:45So I think if you are in this camp,
00:34:47speak to your doctor for some advice on what to do,
00:34:51because there are alternatives.
00:34:52But there seems to be so much chat,
00:34:55so many other suggestions kicking around,
00:34:57so many headlines, including this one.
00:34:59Stampede to get hold of experimental Godzilla,
00:35:02weight loss jab that burns fat faster than ever.
00:35:04I feel like there are loads of different options out there.
00:35:07I feel like nicknames as well, Godzilla, there's King Kong.
00:35:09Yeah, and people are confused.
00:35:11There's a lot of information out there, and I get it.
00:35:13You know, Godzilla, this is a nickname that's come from media.
00:35:16This is, the actual drug name is Ritatatide.
00:35:20And this medication in trials so far has showed that it burns fat faster
00:35:25than the weight loss jabs that we've got on the market.
00:35:28So it's the next generation, if we call it that way.
00:35:30But they're still in the trial phases.
00:35:31They've not been approved yet for use, which means that you shouldn't be sourcing them.
00:35:36However, we are seeing people online that are saying they've got them from the black markets.
00:35:40I would never advise getting anything like that.
00:35:42Medications are not approved.
00:35:44You do not know what's inside them.
00:35:47They could potentially be very harmful.
00:35:49So, you know, the good news is we do have alternatives.
00:35:51We've got drugs like Vigovie.
00:35:53We've got a Zempick.
00:35:54For lots of people, these are actually available on the NHS if you meet the criteria.
00:35:59So if you are in a situation right now where you don't know, have a chat with your doctor.
00:36:02We're not here to judge.
00:36:03We are here to give you advice.
00:36:04If you meet the criteria, we can refer you on our NHS weight management services.
00:36:09But we can also talk through, if you're considering getting something else privately, you know, is it going to work for you?
00:36:14How to do this safely?
00:36:15I bet it's very difficult for people to come and talk about these things.
00:36:19But you say it's essential.
00:36:20Just talk to your doctor if you need to.
00:36:22What's next for the people who have been on these jabs for quite a long time then?
00:36:26Yeah.
00:36:27So I'm seeing two groups of people, essentially, those that have been on it for a long time who are ready to gradually come off of them.
00:36:33Then there are those who feel that they're being forced into a situation because they can't afford the medication, which is really, really difficult.
00:36:40Now, I think that the important thing to say here is that never come off of something suddenly.
00:36:45Always talk to your doctor about that.
00:36:47We know that from studies that people, on average, can regain up to two thirds of their weight if stopping the medication within a year.
00:36:55Now, that isn't for everyone.
00:36:57That is if you have just done this as a quick fix and not really adopted any of the other measures that we always say that supports weight management.
00:37:03So if you're thinking of coming off of it, the first thing to say is do it with a gradual plan ahead.
00:37:08You know, how are you going to taper it down?
00:37:10That's where your conversation with your doctor or a weight management specialist is helpful.
00:37:14The other is that if you are considering starting it or you're on this medication, this medication is one part of a management strategy.
00:37:21You want to make sure that you are eating healthily, that you are increasing the amount of protein that you're taking in.
00:37:28Like as we start to lose fat, we want to support the muscle that protects us.
00:37:32So you do not want to be losing muscle gain.
00:37:34Things like movement, doing body weight exercises, again, for muscle strength is important.
00:37:39Earlier this year, lots of us participated in the Couch to 5K.
00:37:43We set up a morning live face group.
00:37:45There's nearly 4,000 people on there.
00:37:47That is a free way of getting your kind of movement started.
00:37:51And also, at that time, if you're thinking about doing something on your own, there's a group of people who say health.
00:37:56Yeah, it's a community. We're in this together. Absolutely.
00:37:58And the importance of that, why I say that, is that once you are ready to stop the medication,
00:38:03these healthy habits that you have adopted, they become your safety net.
00:38:07However, if you're doing this as a quick fix without all of this,
00:38:10then chances are you will fall into that statistic of regaining that two-thirds of weight,
00:38:14which you just don't want to when you've invested so much.
00:38:17But worth saying the 5K hasn't been and gone.
00:38:19You can still join in and take advice and tips.
00:38:21It's all on the Morning Live Facebook page.
00:38:24Plenty of people using weight loss jabs.
00:38:26Plenty of people sceptical.
00:38:28Separate the fact from fiction, what are the side effects?
00:38:31So, side effects, as with any medication, there's always side effects.
00:38:35I think there's a lot of scaremongering that can happen.
00:38:37You know, I think the importance is that, yes, some people might develop some side effects.
00:38:41Generally, they're quite minor.
00:38:42They settle within days or a few weeks.
00:38:45Sometimes they can reoccur when you're having dose adjustments.
00:38:48Common ones are things like nausea, vomiting, diarrhoea, dizziness and headaches.
00:38:52Of course, sometimes there are more rarer side effects.
00:38:54Ones to watch out for that can be a bit more serious are kidney issues,
00:38:58gallbladder issues or pancreatic issues.
00:39:01Now, those ones haven't specifically been linked to the medication,
00:39:04but if you have got any pre-existing problems, medical conditions or on any medication,
00:39:09then chat to your doctor about that.
00:39:10I am commonly hearing about hair thinning and hair loss in people that are taking these weight loss medications.
00:39:16Now, these haven't directly been linked to the medications.
00:39:19What can happen is when we suddenly and dramatically lose a lot of weight,
00:39:23it's seen as a bit of a stress on the body.
00:39:25That can cause some shedding of the hair and hair loss.
00:39:28It is temporary.
00:39:29It should all come back.
00:39:30Not to worry.
00:39:31But again, there's other causes that could be causing these symptoms.
00:39:34Thank you, Dr P. Weight loss jabs, I'm sure, are something that we're going to talk about again and perhaps again.
00:39:40So, if you do have any questions, you can get in touch by emailing morninglife at bbc.co.uk.
00:39:45Or send us a WhatsApp at 0800 032 1100, 0800 032 1100, or scan the QR code on the screen.
00:39:53It's just for messages and pictures only.
00:39:55Don't call the number.
00:39:57And no one is able to phone a friend on hit BBC One quiz show Answer Run,
00:40:01which is back for a second series, hosted by comedian Jason Manford.
00:40:04Contestants have a 50-50 chance of banking the cash or crashing out.
00:40:09It's fast, furious and far from easy, as presenter Hayley Tamberdon found out.
00:40:16Audiences loved the first series of the Answer Run when it launched last year.
00:40:20Hello and welcome.
00:40:23Hosted by Mancunian funny man Jason Manford.
00:40:26Do you know what a bend and snap is?
00:40:27Bend down with straight legs and touch your toes.
00:40:29Oh, snap, yeah.
00:40:30I'm not going to lift that down.
00:40:32I should have taken over.
00:40:33And the good news is, it's coming back.
00:40:37I'm here in beautiful Glasgow where the Answer Run is recorded.
00:40:41And I've been granted exclusive backstage access
00:40:45because I'm hoping for answers on how the show runs.
00:40:50Come on!
00:40:53And it can't run at all without this man.
00:40:57Jason, how does being the host of this show
00:41:01compared to you doing a stand-up gig or you doing a musical?
00:41:05I'm very lucky to be able to do lots of things.
00:41:08But these daytime telly shows, you know,
00:41:09they can't be overlooked for the importance that they are.
00:41:12There's people who set their day around a certain show.
00:41:16You know, I think about my own, like my grandparents,
00:41:17that's got this thing that's part of their day.
00:41:19So you're keeping people company throughout the day
00:41:22and they depend on you to be there.
00:41:24Each question is worth between £50 and £1,000
00:41:27and has two potential answers.
00:41:30Each couple have 90 seconds to swipe it left or right,
00:41:34depending on what they think is correct.
00:41:36The duo who collect the most dosh in the first two rounds
00:41:39go through to the final,
00:41:41where they get the chance to take that money home.
00:41:43Turn for the flat surface of a cut, Jen Javon!
00:41:48It isn't just the host that runs this show.
00:41:55It takes a massive team of people to put the show together.
00:41:59There's producers, directors,
00:42:01there's the wardrobe department over there,
00:42:03and here's the make-up department.
00:42:05But leading this well-oiled machine
00:42:07is executive producer Peter Rodden.
00:42:10So what makes a great answer on question?
00:42:12We want to make sure that it really could be either or,
00:42:16so you're not able to guess the answer
00:42:18through a process of elimination.
00:42:20Stephen!
00:42:21Stop the clock!
00:42:22So basically, there's a 50% chance
00:42:25I will always get the right answer, yeah?
00:42:29So if I just shut my eyes...
00:42:31Just go for it.
00:42:33And go for it, could I win?
00:42:34It's against £50-50.
00:42:36It is £100!
00:42:38Technically, yes,
00:42:39but for every incorrect answer, you lose money.
00:42:42So if you get wrong on the wrong amount,
00:42:45you'll lose more than you win.
00:42:46Sounds straightforward enough.
00:42:48But really, I ought to put my money where my mouth is
00:42:50and try it for myself.
00:42:51I'm ready when you are.
00:42:52We're going to go straight into the final.
00:42:54Right.
00:42:54Shall we see the choice of categories?
00:42:56I would love to.
00:42:56OK, let's have a look.
00:42:57We've got Friday, Saturday, or cat-cow.
00:43:02Oh, I mean, we've got to go cat-cow,
00:43:04cos when you say that with a northern accent, it's funny.
00:43:07Cat-cow.
00:43:08Let's prep the answer on.
00:43:11We're going to be swiping left for cat and right for cow.
00:43:14Start the clock.
00:43:16Appears first in a nursery rhyme,
00:43:18Hey, Dill Diddle.
00:43:18No, on the thing there, the swiper.
00:43:21Oh, on that?
00:43:22There you go, yeah.
00:43:23On the screen.
00:43:24The oldest recorded one was named Krenpuff.
00:43:27Eh?
00:43:28She lived till the age of 38.
00:43:30Was she a cow?
00:43:31No.
00:43:32Not the best start, but before you know it,
00:43:35I'm hitting me stride.
00:43:36Cat.
00:43:37There you go.
00:43:38Cow man.
00:43:39The cow!
00:43:39Roundabout, is it cow?
00:43:41Yeah!
00:43:41Yes!
00:43:42What a great win.
00:43:47We'll see you next time when three more teams take on the answer run.
00:43:54Well done, Hayley.
00:43:55So I understand why she's confused about the cat thing being 38.
00:43:58I had a look into it.
00:43:59The oldest cow ever was Big Bertha.
00:44:02She was 48.
00:44:03OK.
00:44:03And she had 38 calves.
00:44:05So there you go.
00:44:0648?
00:44:0739 calves.
00:44:0848 and she had 39 calves.
00:44:10There you go.
00:44:10Cos I knew you wanted to know that.
00:44:12Answer run continues on BBC One and iPlayer at 4.30 this afternoon.
00:44:15You have to know this one soon, you cats and cats.
00:44:17I love it when you play a real-life version of a TV game show.
00:44:20Chris, your host.
00:44:21Whilst contestants battle away for some life-changing money on this show,
00:44:24we are turning our attention to the cash sitting in your pension box now.
00:44:28That is because of a change to the inheritance tax rules.
00:44:31Here to help clear it up is Dan Whitworth from BBC Radio 4's Moneybox.
00:44:35Dan, there's a lot going on.
00:44:37There's been a lot of headlines.
00:44:38There's been a lot of chat.
00:44:39There's been a lot of noise.
00:44:41Clear it up for us.
00:44:41Yeah, so some big change is coming.
00:44:43And the date for your diary is April 2027.
00:44:46And that's going to be a big change when it comes to inheritance tax.
00:44:49It'll come round quicker than you think.
00:44:50And it will.
00:44:50Less than two years away now.
00:44:52It might sound a long way away, but it's not.
00:44:54And basically, pension pots are going to be included as part of the inheritance tax rules.
00:44:59So if you have a pension pot at the moment,
00:45:01that's passed on to your beneficiaries tax-free.
00:45:03So it is not taxed from April.
00:45:05Again, that date for you, April 27, that is going to be changed.
00:45:08It's going to be taxed like normal inheritance tax rules.
00:45:12And essentially, at the moment, you are taxed.
00:45:15So if you die, and when you die, rather, your estate is taxed above a threshold of £325,000,
00:45:22which goes to any beneficiaries tax-free.
00:45:25Above that is taxed at 40%.
00:45:27So anything you pass on is taxed above 40%.
00:45:30Or it's £500,000 if you're passing on a house.
00:45:33We are talking about private pensions, aren't we?
00:45:35Absolutely, yeah.
00:45:36The state pension obviously just stops getting paid when you die.
00:45:40So this is private pension pots.
00:45:42You're quite right, Helen.
00:45:43And also, surveys suggest that around one in five over 65s
00:45:47are now trying to start to think how they can avoid that inheritance tax.
00:45:50Perfectly legitimate legal thing to do.
00:45:52How many people is this affecting?
00:45:55It's actually fewer than you think.
00:45:57I mean, the inheritance tax is widely regarded as one of the most disliked taxes that there is.
00:46:01But in terms of the number of estates that pay, because obviously the person dies,
00:46:04their estate is liable.
00:46:06So it's not the people the money goes to.
00:46:08It's the estate that is liable for inheritance tax.
00:46:10So as of the latest figures, so this is the tax year 2022 to 2023,
00:46:1431,500 estates paid inheritance tax.
00:46:18That's fewer than one in 20 estates.
00:46:20It's around 4% or 5%.
00:46:21But these changes, they're going to claw more people into paying inheritance tax.
00:46:26So an extra 10,500 estates will become liable to pay inheritance tax.
00:46:31And altogether, 38,500 estates will pay more taxes, more inheritance tax,
00:46:38because of these changes.
00:46:39Again, April 27, when private pension pots start to be taxed.
00:46:43Optimistic question for me.
00:46:45What about gifting cash?
00:46:46What are the rules there?
00:46:47Well, this is one of the ways you can minimise the amount that your inheritance tax has to pay on the estates.
00:46:53So the government allows you to give away a certain amount of money each year
00:46:57that doesn't count as part of these inheritance tax rules.
00:47:00And that's £3,000 to any individual, to any one person.
00:47:03And you can carry that over for one year at a time.
00:47:07So let's use Sam here as an example.
00:47:09For example, they had their full £3,000 allowance to use last year,
00:47:14then decided to give £2,000 as a gift to their daughter.
00:47:17Now, that left them with £1,000 of their annual gifting allowance remaining.
00:47:23Now, this £1,000 is carried over to the next financial year,
00:47:27making this year's allowance £4,000,
00:47:30which they were then able to gift to their son
00:47:32without it being eligible for inheritance tax as part of the seven-year rule.
00:47:37Now, we'll come to more details on that seven-year rule in a moment.
00:47:40But remember, that £3,000 gift, that only carries over for one year at a time.
00:47:44You can't not do it for, say, ten years and then all of a sudden give away £30,000.
00:47:48That's not how it works.
00:47:49Why are you giving your son more?
00:47:51Well, there's a good question.
00:47:52It's a question for Sam, I think.
00:47:54There's a good question.
00:47:55Also, some small gifts, by the way.
00:47:57You can give away small gifts up to £250 a year.
00:48:00But if you're giving that to one person, that does count as part of that £3,000.
00:48:05When it comes to things like weddings, they're not counted as part of these rules.
00:48:08So if your own child is getting married, you can give them £5,000.
00:48:11Again, that's not subject to inheritance tax.
00:48:14If it's your grandchild, £2,500.
00:48:17And if it's just anyone else, you know, another loved one, family member, you can give them up to £1,000.
00:48:22Again, which wouldn't be taxed at this 40% rate.
00:48:26You should try to record what you give because the taxman never forgets, right?
00:48:30Now, it doesn't have to be like an Excel spreadsheet or details, but things like WhatsApp messages, emails, text messages, some kind of record.
00:48:39And the details you're looking are what you gave, so how much you gave, who you gave it to, the value of that gift, and when you gave it.
00:48:46It's just handy to have that little bit of a record should the taxman come calling.
00:48:50Now, this seven-year rule I talked about is quite crucial.
00:48:53If you live for seven years after giving any of this money, none of it is subject to inheritance tax.
00:48:58Yes, obviously, but that's quite a thing, so you have to sort of, you know, think, right, well, am I going to live for seven?
00:49:02So, after seven years, any money you give is not subject to inheritance tax rules.
00:49:06OK. We'll come back to that in just a second.
00:49:09Before we do, does it matter who you're gifting money to?
00:49:13Yes. Yes, because in the first instance, if you die and all your money in the estate, as it were, goes to your spouse or civil partner,
00:49:21and none of that is subject to inheritance tax, OK, so none at all.
00:49:25So, for example, if you're a son or a daughter...
00:49:27That's relatively straightforward.
00:49:28Absolutely. It's pretty straightforward.
00:49:30Then there's something called normal expenditure out of income, and this is things that people can give away,
00:49:36but it has to be part of your regular annual income.
00:49:39These can't be one-off payments from savings, and the kind of things we're talking about there are the following.
00:49:44So, covering school or university fees for grandchildren, regular birthday or Christmas gifts,
00:49:51regular allowance to support a relative.
00:49:53Now, that sounds quite formal. That could be just helping a son or a daughter with rent, for example.
00:49:57But, again, remember, this has to come out of your normal expenditure,
00:50:00and also the ongoing care costs of a dependent relative.
00:50:04That, of course, can be quite an expense for a lot of families nowadays.
00:50:07And, again, I can't say this too much.
00:50:09If you are gifting that way, for it not to be subject to inheritance tax, that has to be part of your normal expenditure.
00:50:16You cannot make these one-off payments that you dig into your savings,
00:50:19or you dig into that sort of stuff.
00:50:22It has to be part of your normal annual income.
00:50:24What if you do go over your allowance?
00:50:26If you end up gifting more than your allowance, how does the government take it back?
00:50:31Right. So, remember, the point I made at the start,
00:50:34the inheritance tax is paid by the estate of the person who's died,
00:50:37not the people who get that money.
00:50:40Now, there are some exceptions to that rule.
00:50:43So, if you've given away more than £325,000 in the seven years before your death,
00:50:49or there isn't enough money to cover a tax bill,
00:50:52well, the person receiving it in that instance would be liable.
00:50:56But, again, this really important, this seven-year rule we talked about before.
00:51:00So, if you give any money, and, like I say, you die,
00:51:04well, seven years after that, it's not subject to inheritance tax.
00:51:06But before then, it is.
00:51:08So, if you give away money and you die within three years,
00:51:11so from zero to three years, that will be taxed at the full rate.
00:51:14That's 40%.
00:51:15But after that, it tapers down.
00:51:17It tapers down, as we can see here.
00:51:18Absolutely, on the screen.
00:51:19So, it tapers down, and you pay less and less tax the longer it goes on.
00:51:23So, for example, between three and seven years,
00:51:25we see that really tapering down, and it can be as little.
00:51:28I think by year six, it's 8%.
00:51:30But, again, that point, once you've given money away,
00:51:33you live for seven years, none of it counts as inheritance tax.
00:51:36Lots more details on that, by the way, on the Morning Life website.
00:51:39I was going to say, unfortunately, I'm going through this at the moment.
00:51:42It's really, really complex.
00:51:44Like, keeping documents and receipts are really important,
00:51:46as well, gathering all the evidence you need.
00:51:48And every sort of case is very individual, isn't it?
00:51:50But lots of helpful stuff there from Dan.
00:51:52We've raised so many points that people get in touch with us about,
00:51:55so we know there'll be lots of you who probably want to unpack that
00:51:58and just go over it in a bit more detail.
00:51:59As Dan mentioned, all the details are on our website,
00:52:02bbc.co.uk forward slash Morning Live.
00:52:04Important conversations. Thank you, Dan.
00:52:06Now that we have got a few exciting updates
00:52:08from some of BBC Animal Park's favourite residents,
00:52:11including new hippos Lola and Hodor.
00:52:14But before we catch up with presenter Ben Fogel,
00:52:16here's a reminder of the wild ride that was summer at Longleat.
00:52:22The first new hippos in more than 40 years are going to arrive this summer.
00:52:29The plan is to become an international centre of excellence for breeding hippos.
00:52:34She's facing the right way.
00:52:35Looks ready to go.
00:52:40Hazel was the very first southern koala to be born in Europe.
00:52:44The best fit is a baby porcupine.
00:52:53It's called a porcupette.
00:52:55How cute is that?
00:52:57Thanks to the keeper's consistent care,
00:53:00the kits have been thriving,
00:53:01with even William putting on weight again.
00:53:06After 56 days in the incubator,
00:53:09the egg has miraculously hatched.
00:53:20Malika's the boss.
00:53:21She has always been the boss.
00:53:23She pulls all the strings.
00:53:24She controls everything.
00:53:27With the special bond keepers Kev and Sadie have,
00:53:30Anne trusts them implicitly.
00:53:33Despite Anne's age,
00:53:34health concerns,
00:53:35and troublesome tooth infection,
00:53:37the unwavering dedication of her keepers
00:53:40is ensuring this old lady is happy and content.
00:53:45Welcome to Animal Park,
00:53:47presented by me and Maggie.
00:53:51Kate will be furious with you,
00:53:53using a parrot instead.
00:53:55I know.
00:53:56Ben, it's good to see you.
00:53:57I like the fact you're hanging on to summer a little bit,
00:53:58selling your shorts.
00:53:59In shorts all year rounder, really, aren't you?
00:54:01I know, and they're getting a bit shorter as I get older.
00:54:02I'm not sure what that says.
00:54:04I'm giving South Africans and posties a run for their money.
00:54:08No judgement here.
00:54:09We're here for it.
00:54:10Let's see those limbs moving.
00:54:11Strictly Fitness.
00:54:12We'll stop it now.
00:54:13Can I move on?
00:54:13OK.
00:54:14Congratulations.
00:54:1525 years at Longleat.
00:54:17Amazing.
00:54:18It was the first presenting job I ever did
00:54:20after I did a show on the BBC called Castaway,
00:54:23and Kate and I have presented it
00:54:24for a quarter of a century.
00:54:26And I love going back because we get to catch up
00:54:29with old friends, animals, keepers,
00:54:32and also, you know, meet new ones.
00:54:33Wonderful part of the world as well, isn't it?
00:54:35It's just such a lovely, warm show to watch.
00:54:38It really is, and I think that's why people
00:54:39keep coming back to the series.
00:54:40I think that's why it's been going
00:54:41and has endured for so long.
00:54:43People get really caught up
00:54:45and feel that they're part of the lives
00:54:48of all the animals there.
00:54:50But people feel a real attachment, don't they,
00:54:52and a sort of dedication to those animals.
00:54:53You kind of mention the name, and people go,
00:54:56oh, yeah, you know.
00:54:57One of the big stories in this series
00:54:59was about the hippos.
00:55:01We saw the preparations being made
00:55:02to bring them back to Half Mile Pond
00:55:04after the previous ones passed away.
00:55:06Talk us through the hippos.
00:55:07So the hippos are amazing.
00:55:09The old hippo residents were Spot and Sonia.
00:55:11They passed away last year,
00:55:13which was a really tragic loss for the park.
00:55:16But this year, Kate and I followed the preparations
00:55:19for the arrival of four new hippos.
00:55:22So see if I can remember now.
00:55:23We've got Lola, Hodor, Manon, and Matilda.
00:55:29There's a lot of names to try and keep in my head.
00:55:31And for 25 years, there's a lot of names.
00:55:32Imagine for the keepers,
00:55:33it was such an exciting thing, the anticipation.
00:55:36Just imagine how excited, you know,
00:55:38you are at home when there might be
00:55:40the arrival of a little kitten
00:55:41or a new dog at home.
00:55:44Well, for the keepers, that's amplified.
00:55:46So we followed the whole process, getting ready.
00:55:49And they're all living in Half Mile Pond
00:55:50with California sea lions,
00:55:52which is just an extraordinary mix
00:55:53in the Wiltshire countryside.
00:55:54So we followed the excitement,
00:55:58and they're now there.
00:56:00Yeah.
00:56:00It's actually a really lovely moment.
00:56:02We've got a clip here of Manon arriving for the first time.
00:56:05She's having a good look round.
00:56:10Having a look at us as well, more than anything.
00:56:12It's obviously all completely new to her.
00:56:14It can be quite daunting.
00:56:17She's just spotted the pools of the house,
00:56:20and I think she's keen to go in.
00:56:21Obviously, hippos will submerge themselves under the water,
00:56:24and for her, it's a good place to hide, basically,
00:56:27while she's unsure of this environment.
00:56:28And she's having a drink, which is a good sign.
00:56:34It's the smallest things, isn't it?
00:56:36Manon's having a drink.
00:56:36This is amazing.
00:56:37It's all those firsts that you see.
00:56:39That's what I love,
00:56:40just the excitement on the keepers' faces.
00:56:42Because remember, for the keepers,
00:56:43it's so much more than just a job.
00:56:45They love all the animals that they look after.
00:56:48They're like full-time carers.
00:56:50And for Kate and I,
00:56:52we feel so privileged
00:56:54that we've been able to follow all those highs and lows.
00:56:56But it gives people who see the animals
00:56:59an excitement about the wider world, doesn't it?
00:57:01I always think,
00:57:02how can I get my kids excited about a rhino or a hippo
00:57:04or a porcupine elsewhere
00:57:06if they don't get to see them
00:57:07and appreciate that kind of joy?
00:57:09Can you tell them apart?
00:57:10Because we've got some footage of the hippos.
00:57:12Which one's which here?
00:57:14So that one there,
00:57:15that is Hodor.
00:57:17Yeah.
00:57:18And the other one is Manon, for sure.
00:57:22See what I did there?
00:57:23We can't argue.
00:57:25Manon's got out quickly.
00:57:27Dedicated viewers will genuinely be so thrilled
00:57:29to know that they've settled in,
00:57:30they've relaxed.
00:57:31That happened after you finished filming.
00:57:33Rest assured, the hippos are happy.
00:57:34Absolutely.
00:57:35Let's talk about the lions
00:57:37because also they've been a remarkable part
00:57:40of Longleat over the years
00:57:42and the ups and downs
00:57:43and life and death as well.
00:57:46The lions are sort of the face of Longleat.
00:57:48They were the first animals to arrive at the park
00:57:52and we followed the highs and lows.
00:57:54So we followed in this series,
00:57:56there was Klaus.
00:57:57Yeah.
00:57:57We followed him with the vets.
00:58:00He had a sore paw,
00:58:01which doesn't sound like something dangerous,
00:58:04but with a lion,
00:58:05they have to be anaesthetised
00:58:06so that the vet can check.
00:58:08He was anaesthetised
00:58:09and they were able to pull out
00:58:10a little bit of claw, actually,
00:58:12and a little bit of grit.
00:58:13So he made a good recovery.
00:58:16But we also followed the story of Malaika.
00:58:18Now, Malaika is part of animal park folklore.
00:58:23Malaika was born at the park 20 years ago.
00:58:25Kate and I were there when she was born.
00:58:27An amazing matriarch.
00:58:30And we followed her also going to the vets
00:58:33where they discovered a heart condition.
00:58:35And tragically,
00:58:36since we have finished filming the series,
00:58:38she has passed away,
00:58:39which is really, really tough for the keepers,
00:58:42really hard for viewers
00:58:43who have followed her over the years,
00:58:45but is kind of an incredible innings.
00:58:48If you were to look at a positive,
00:58:50lions in the wild would live for 14 years.
00:58:53She lived for 20 years.
00:58:54And like you said, Helen,
00:58:56you know, an amazing ambassador for the species.
00:58:58The number of people that saw her,
00:58:59the number of kids that would have been infused
00:59:01about these magnificent wild animals
00:59:03who may be future conservationists themselves.
00:59:06And some phenomenal things happening at Longley.
00:59:08This series, you know,
00:59:09took us through some real breakthroughs
00:59:10and some firsts, didn't it?
00:59:12Well, we had the southern koalas.
00:59:15They arrived from Australia,
00:59:16the first to arrive in Europe for many, many years.
00:59:20Is that Hazel?
00:59:20That is Hazel.
00:59:22And they've had a really successful breeding programme.
00:59:26Hazel, born there at the park,
00:59:29first to be born in Europe ever.
00:59:33So the breeding programme is astonishing.
00:59:36And that's all thanks to the incredible work
00:59:39of the keepers there.
00:59:40I love some of the names of the animals as well,
00:59:41because then Pesto arrived as well.
00:59:43Pesto, the porcupette.
00:59:44Do you know what a porcupette is?
00:59:45It's a little porcupine.
00:59:47Yeah, exactly.
00:59:48The keepers described Pesto
00:59:50like a little prickly potato.
00:59:52Wow.
00:59:53And, you know, it's such a joy to see the success
00:59:57that the keepers have with all these incredible animals.
01:00:01Let's jump into the joy.
01:00:02I want to see the moment that Pesto, the porcupette, was born.
01:00:05The porcupette is a young North American tree porcupine
01:00:09and is the first ever to be born here.
01:00:12It's the result of successful breeding between fennel and her beau mango,
01:00:16and its arrival came as a huge surprise to Sam and the team.
01:00:21I'm sure there's a joke there about how you give birth to...
01:00:24Very, very carefully.
01:00:27Well, it's just going to Dr Poonham.
01:00:28Do you remember?
01:00:30Same thing there, it's got to hurt.
01:00:32Poonham's always got an answer for everything,
01:00:33but she's looking at me there and going,
01:00:34now I've got that one in me, yeah.
01:00:36Do you know what Morning Live doesn't have enough of?
01:00:38Porcupettes.
01:00:40But you do see such a wide variety of the animals come through Longleat.
01:00:44As a view, it's incredible to watch, isn't it?
01:00:46And like I say, I think that's what people really love.
01:00:48They like a little bit of joy and a little bit of wild into their front rooms,
01:00:53and that's why we've been doing it for 25 years.
01:00:55We've had such fun.
01:00:56It is joy in the living room.
01:00:57Thank you so much, Ben, and thank you for coming in.
01:00:59You can watch BBC Animal Park on iPlayer now.
01:01:01Binge it, it's glorious.
01:01:02Strictly in the Shorts coming up.
01:01:04It's not just heartwarming stories from Longleat we're talking about today.
01:01:08Teenagers who are struggling to attend school
01:01:10are being paired with toddlers to help them
01:01:13with everything from reading to making pizzas.
01:01:16It's giving children a sense of responsibility
01:01:18to encourage them to show up to lessons.
01:01:20It has had a much welcome and massive impact,
01:01:23especially as new figures show that 65% of children
01:01:26feel overwhelmed at the start of the new term.
01:01:29We sent presenter OJ Bosch to find out more.
01:01:33Since the pandemic, school absence rates have almost doubled.
01:01:36And according to research,
01:01:38just 10 days of school absence in a year
01:01:40can halve the chance of a student achieving
01:01:42at least a grade 5 in maths and English GCSE.
01:01:45That's roughly a grade C in old money,
01:01:47so getting children to re-engage with education
01:01:50is hugely important.
01:01:52Now, this is something I've actually got personal experience with
01:01:54because my daughter really struggled post-COVID,
01:01:56post-lockdown, to get back into school
01:01:58and her attendance suffered.
01:01:59And I won't lie, it was tough.
01:02:00It's been really tough to get her back in.
01:02:01But one thing that absolutely helped
01:02:03was her going in and reading to a younger child.
01:02:06Giving disengaged teens responsibility
01:02:08for a younger child in a controlled setting
01:02:11can have a positive impact on attendance levels.
01:02:14Come on, go find your buddies.
01:02:17And in Middleton, a local secondary has teamed up
01:02:20with this preschool to take part in a scheme
01:02:22that works in a similar way to the reading
01:02:24that helped my daughter by pairing teens with toddlers.
01:02:27OK, so tell me what we're about to do here.
01:02:30Make pizzas.
01:02:31Organisers hope this bond will help build teenagers' confidence,
01:02:34giving them a sense of responsibility and accountability
01:02:37that will encourage them to show up to lessons.
01:02:40Twelve-year-old Miller struggled to stay in class
01:02:42because he has a lot of energy,
01:02:43which made it difficult for him to sit still.
01:02:46When the school first said it to you about this project,
01:02:48what was your first thought?
01:02:49I was a bit, like, nervous.
01:02:51It took me, like, two weeks to, like, say yes,
01:02:54because I was, like, really shy at the time.
01:02:58Miller was paired with three-year-old Andrew.
01:03:00What was that first meeting like when you first met Andrew?
01:03:03He was really shy.
01:03:05Yeah?
01:03:05He was, like, he kept running away from us,
01:03:09but now we're really close.
01:03:11Every time he sees me, he runs up to me and gives me a hug.
01:03:14Miller's been working with the project for 12 weeks.
01:03:18So what is it like, then, when you go back into school?
01:03:20Because, obviously, you'll go back to school this afternoon.
01:03:21What is that like?
01:03:22Normally I'm really, like, energetic,
01:03:24and this will just make me, like, really, really calm.
01:03:27I've come to meet Sam Marcus,
01:03:29the Director of Services at Power 2,
01:03:32the charity that runs this teens and toddlers scheme,
01:03:34to find out more about how it works.
01:03:37We take referrals from high schools.
01:03:39We work with up to 10 young people in a group.
01:03:41So we take them out for one morning or afternoon a week
01:03:43to a local primary school
01:03:44where they get to mentor a smaller child in the nursery.
01:03:47And the smaller child, as well, might have some additional needs,
01:03:50so, you know, speech and language delays,
01:03:52difficult to make in friends,
01:03:53whatever it might be gives our team then their focus
01:03:56to become that positive role model and mentor
01:03:58for that smaller child.
01:03:59Now, how do you match the children?
01:04:01So we try and match them on personality.
01:04:04So we might have some young people
01:04:05who really struggle to contain their energy, if you like.
01:04:10So we pair them up with similar types of smaller children.
01:04:13And it just helps them to balance out.
01:04:14What is the magic of this?
01:04:16I think it's more often than not
01:04:18young people are not given those positions
01:04:20of trust and responsibility
01:04:21and they really thrive in that environment
01:04:23of supporting those smaller children.
01:04:30What is it meaning to the young people
01:04:31when they go back into school?
01:04:32So 78% of our young people improve their attitude to learning
01:04:36and 83% of our young people improve their self-esteem.
01:04:39That is massive.
01:04:40I mean, these are big numbers.
01:04:41This isn't 10 or 20%.
01:04:43This is high.
01:04:44It's huge. Yeah, incredible.
01:04:46Incredible. We're really proud.
01:04:48Another high school pupil who joined the scheme 12 weeks ago
01:04:51is 13-year-old Sienna.
01:04:53Do you want to add anything else?
01:04:55A pepperoni?
01:04:57She's been paired with three-year-old Tia.
01:05:00What was school like for you before teens and toddlers?
01:05:02I'd never be in school.
01:05:05I'd be hiding somewhere or I'd be at home.
01:05:09Why was that?
01:05:10I just had a lot of anxiety.
01:05:12But then, ever since I came here,
01:05:14I've learned more about how to communicate.
01:05:17So it's been a lot better.
01:05:19And then my attendance has improved.
01:05:21And how has Tia helped that?
01:05:23She teaches me, like,
01:05:25that I need to be more confident
01:05:27so I can communicate and help other people.
01:05:31I mean, it's so amazing that a toddler is teaching us things.
01:05:36Yeah.
01:05:36Yeah.
01:05:37Did you think that when you started there,
01:05:38did you think that was going to happen?
01:05:39No.
01:05:40I thought it'd just be something fun to do,
01:05:42but it's helped me really a lot.
01:05:44So I can see the smile on your face when Tia comes over.
01:05:46You must be so happy when it happens.
01:05:48Yeah.
01:05:49She's, like, she's grown so much,
01:05:51it makes me so happy.
01:05:53You're going to make me cry, Sienna.
01:05:55You're going to make me cry.
01:05:55Since joining the scheme,
01:05:57Sienna's attendance at school has more than doubled.
01:06:00The charity that runs this mentoring programme
01:06:03currently works with a number of schools
01:06:04and nurseries across Manchester and London,
01:06:07but plans to expand to cover more of the UK.
01:06:10And you're getting through both of the hoops.
01:06:12Lees has been working at this preschool for 17 years
01:06:15and has seen the impact the scheme has had on the toddlers too.
01:06:18What do the younger kids get out of it?
01:06:20They're just really liking that one special person
01:06:23each Friday that comes in
01:06:25and they know it's their special person
01:06:26and just having that one-to-one time
01:06:28for that hour each Friday.
01:06:29It's just lovely to see when the teenagers come in,
01:06:31them children going over, hugging them,
01:06:33and it's just amazing.
01:06:35Dr Daniel Weisberg is a consultant clinical psychologist
01:06:39and he regularly works with young people
01:06:41who are feeling disconnected from their education.
01:06:43So when it comes to teens and toddlers,
01:06:45why does it work?
01:06:46Think about when children are at school.
01:06:48There's a lot of rules
01:06:49and none of it is under children's control.
01:06:51This programme in particular says,
01:06:53what if we give them a responsibility?
01:06:56If children are responsible for a little child,
01:06:58they feel empowered,
01:07:00they learn from what works and what doesn't,
01:07:03and children feel like they're making a real difference.
01:07:06If you're a parent and may be concerned about your child,
01:07:08what can you do yourself?
01:07:09I would absolutely raise it with school.
01:07:11Make sure you're on the same page.
01:07:13There are lots of charities and organisations out there.
01:07:16There's even professional support to talk to
01:07:17to try and make things better.
01:07:19Lots of parents are tired, lots of parents are stressed,
01:07:21especially if you've got a child who is starting to not attend to school.
01:07:24Is there one thing you can do to give that child agency?
01:07:26Be available as a parent.
01:07:28Absolutely be available.
01:07:30I often recommend that parents try and spend at least 10 minutes a day
01:07:33with each child without distraction,
01:07:34so without phones, without screens,
01:07:36where you are just developing a healthy relationship,
01:07:39playing, following a child's lead.
01:07:41That can help to foster really healthy relationships
01:07:44and a sense of well-being and comfort,
01:07:48which makes a massive difference.
01:07:49Now, I know from personal experience
01:07:51what it means when a young person re-engages with their future,
01:07:54and it's been great today
01:07:55to spend time here, to learn about this scheme,
01:07:58to find out how something, or indeed someone so small,
01:08:02can make such a big difference.
01:08:04Ready?
01:08:06Hey!
01:08:07This issue is so common.
01:08:11I know so many friends, grandparents, carers,
01:08:13who are navigating at the minute getting kids to school.
01:08:16There are so many children who just point-bank refuse to go to school
01:08:18at the minute.
01:08:19Well, OJ's one of them,
01:08:20and there's no wonder he was getting a bit emotional there in the film,
01:08:23because his little girl was struggling to get back to school,
01:08:26and he's actually WhatsApped just a few minutes ago saying,
01:08:29just to tell you that she is back in full-time,
01:08:32she starts secondary school full of hope and excitement and some nerves,
01:08:36next week, and is through hard work, yes,
01:08:40but massively with the help of teachers and schemes
01:08:42like we just saw there.
01:08:43So hopefully that is helpful to lots of people, he said.
01:08:46Thank you, OJ, and good luck if you are one of those families
01:08:49navigating that at the minute.
01:08:50Dan, you were talking to us earlier about gifting money and inheritance tax.
01:08:55Finance expert Dan Whitworth,
01:08:57we've got loads of people joining in the conversation.
01:08:59Richard says,
01:09:00my father passed away prior to claiming his NHS pension.
01:09:03Would the value of this pension be affected by inheritance tax
01:09:06as part of his estate,
01:09:07or would it be treated as a separate financial asset?
01:09:10Well, if Richard's already lost that parent,
01:09:12obviously these rule changes about private pensions,
01:09:15they don't kick in until April 2027.
01:09:18So right now it won't be subject to inheritance tax.
01:09:21But obviously going forward from that date, April 27,
01:09:23even though it's an NHS pension,
01:09:25that's almost certain to be liable for inheritance tax from April 27.
01:09:30Helene, what if I have no partner or children?
01:09:33Can I give gifts to my siblings, nieces and nephews?
01:09:36Yes, that falls under the rules we talked about,
01:09:37where's this free gifting, £250 per person.
01:09:40You can give that to dozens of people,
01:09:42but remember, if you're focusing on one particular person,
01:09:44there's that £3,000 a year limit.
01:09:46You can carry that over for a second year,
01:09:48but only for one year at a time.
01:09:50So £3,000 to the one individual.
01:09:52Dr Poonam, you were unpacking some of the headlines
01:09:54around weight loss jabs for us earlier.
01:09:57Chrissie says,
01:09:58I've been on weight loss jabs for a few weeks,
01:10:00but I'm finding the diarrhoea is still really bad.
01:10:02Any tips?
01:10:03Oh, so that is a common side effect.
01:10:06Depends on the dose that you're on.
01:10:08Did these symptoms purely start after you started this?
01:10:10If it's not settling down.
01:10:11So things to do is keep yourself hydrated,
01:10:14track the symptoms.
01:10:16But another thing is, speak to your doctor about it.
01:10:18Sometimes you can just pass off a new symptom
01:10:20as being down to a medication.
01:10:22It could be something completely different.
01:10:23We need to get to the root cause of that.
01:10:25So I think it's been several weeks in,
01:10:27and it's not settling.
01:10:28Have a chat with your GP,
01:10:30and let them investigate that.
01:10:32Parking fines, Nick.
01:10:33Not surprised to see lots of messages about this.
01:10:36Mel, I've been scammed three times in a year,
01:10:39twice from parking machines.
01:10:41Maybe people tampering with them.
01:10:42Francis, I always use parking apps to park.
01:10:44I feel it's safer from scams,
01:10:45so it means I have eight parking apps on my phone.
01:10:48Actually, that's nothing.
01:10:49How many do you have?
01:10:50Do you reckon you've got on?
01:10:50I think I'll go about 30.
01:10:52He's got a folder for him.
01:10:53Oh, my gosh.
01:10:55Thank you, Nick.
01:10:55Be careful, be vigilant.
01:10:57It's time now for Strictly Fitness with Rhys.
01:10:59So cute.
01:11:00The music.
01:11:03We've got a very flavoursome Strictly Fitness
01:11:07to kick off the term.
01:11:09We've got moves to boost your morning,
01:11:11and today it's Montel and Johannes
01:11:14from their couples choice.
01:11:15A bit of South African Caribbean flavour,
01:11:18the best kind of mix, all the seasonings.
01:11:21So here's what we're going to do.
01:11:22And before I start, Ben, can I just say on behalf of us,
01:11:24thank you for bringing those legs.
01:11:26You know I've pulled the hamstring,
01:11:28so I can't do any dancing.
01:11:29I'm just putting it out there.
01:11:30I just wish we were doing squats, but we're not.
01:11:33Can't believe you varnished them before we came on in.
01:11:36We're starting off with hip circles.
01:11:38So, very, very simple.
01:11:39Hands on your hips if you want to,
01:11:40and then you do some hip circles.
01:11:42If you want, though, you can put your arms up in the air.
01:11:44You can be a bit Priscilla Queen in the desert.
01:11:46Ooh, hello.
01:11:46You can add some real flavour and attitude with it.
01:11:49Afterwards, it's ab rotations,
01:11:51so we're going to rotate on the side.
01:11:53There?
01:11:53Stop, because I was drawn to you in that moment.
01:11:56So just rotate, rotate.
01:11:58And, again, you can kind of rotate and bounce
01:12:01with the ab rotation if you want to,
01:12:03and then that gets us ready for the body roll,
01:12:05which is simple.
01:12:05Lead with the head,
01:12:06and then snap and tap your foot.
01:12:08Lead with the head.
01:12:09Snap.
01:12:10I love how you've gone bold for a Monday.
01:12:11Let's get a body roll for a Monday.
01:12:13Couldn't have done a toe tap, could you?
01:12:15Couldn't have done a toe tap.
01:12:16Not just a toe tap.
01:12:16I've gone through the whole thing in.
01:12:17So those are all the moves.
01:12:19Let's go for it.
01:12:20Take it away, Alan.
01:12:21Kicking off the week with an energising workout,
01:12:24it's Reece Stevenson.
01:12:26Here we go.
01:12:28There we go.
01:12:29Keep going.
01:12:30So we're just going to work on the flexibility.
01:12:32Go the other way.
01:12:33Other way.
01:12:34Oh.
01:12:34Nice.
01:12:35That's it.
01:12:36Yeah.
01:12:37Really stick out your glutes.
01:12:39Get a bit there,
01:12:40they're not having a dance on here.
01:12:41And, and, and,
01:12:41and bounce in that.
01:12:44That's it.
01:12:45Turn.
01:12:45What is, you're doing this?
01:12:50Soldier boy.
01:12:51Soldier boy.
01:12:52You just brought the 2000s back.
01:12:54Didn't know we could do that.
01:12:56Body roll.
01:12:57And.
01:12:57I'm so happy that we've left it.
01:12:58You're time to do that.
01:12:59And tap.
01:13:00Roll.
01:13:01It's your fault.
01:13:01We're early.
01:13:02Roll.
01:13:03And tap.
01:13:03Yes.
01:13:04Now roll.
01:13:05And tap.
01:13:06And roll.
01:13:07And tap.
01:13:07There you go.
01:13:08Roll.
01:13:09And tap.
01:13:09Oh, we've got time to do it again, guys.
01:13:11Four more rounds.
01:13:11All right.
01:13:12All right.
01:13:13All right.
01:13:13Now, take it down.
01:13:15Take it low.
01:13:15Low.
01:13:16Low.
01:13:17Low.
01:13:17That's it.
01:13:17Low.
01:13:18Yes.
01:13:19Come on, Nick.
01:13:20I want to bring it back up.
01:13:21Bring it back up.
01:13:23Yes.
01:13:24Here we go.
01:13:25We're going to rotate.
01:13:27Rotate.
01:13:28Bam.
01:13:29I don't get the rotate one.
01:13:31Bounce.
01:13:32Bounce.
01:13:33Bounce.
01:13:33That's it.
01:13:34You're going too fast.
01:13:35That's it.
01:13:35Chill.
01:13:36Chill.
01:13:36Chill.
01:13:36Chill.
01:13:36Chill.
01:13:37Chill.
01:13:37But at some point we're going to have to.
01:13:40That is all we've got time for today.
01:13:42We're going to be back tomorrow with you from 9.30.
01:13:45Enjoy your Monday.
01:13:46Have your body well in this way.
01:13:47That's it.
01:13:48And roll.
01:13:49And tap.
01:13:49Don't stop.
01:13:50Keep going.
01:13:50And move.
01:13:51And roll.
01:13:52And tap.
01:13:53All right.
01:13:54We're going to be back tomorrow with you from 9.30.
01:14:03We're going to be back tomorrow with you from 9.30.
01:14:03We're going to be back tomorrow with you from 9.30.
01:14:04We're going to be back tomorrow with you from 9.30.
01:14:05We're going to be back tomorrow with you from 9.30.
01:14:06We're going to be back tomorrow with you from 9.30.
01:14:07We're going to be back tomorrow with you from 9.30.
01:14:08We're going to be back tomorrow with you from 9.30.
01:14:09We're going to be back tomorrow with you from 9.30.
01:14:10We're going to be back tomorrow with you from 9.30.
01:14:11We're going to be back tomorrow with you from 9.30.
01:14:12We're going to be back tomorrow with you from 9.30.
01:14:13We're going to be back tomorrow with you from 9.30.
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