Dear listener,

We have a packed programme this week.

We are kicking off, of course, with the worst week on stock markets for three years. Is it just one of those minor adjustments share prices go through? Or is there further to fall? How should it affect our investment decisions? What will it do to our pensions? Live analysis from New York and London.

Have you ever put your money in a savings account paying a good rate of interest only to find that the rate was cut and no-one told you? Nowadays it should not happen. But two listeners were very annoyed to find that rates on their savings had been cut and the first they heard of it was a letter which arrived 30 days after the cut. We find out if the rules were broken.

We go to the House of Lords for the launch of a new payment card. It is supposed to help avoid fraud, give people without bank accounts access to online prices, and claims to give some money to charity.

Carpetbaggers* have had a lean time of it recently. But one top 20 building society seems to be welcoming them by scrapping the rule that prevents them getting a windfall. Its chief executive comes on live to explain why.

We discover the £3 charge for betting £5 on an online lottery.

And get further details of the Standard Life bid to become a stock market company - just who will get a £500,000 windfall?

A six item value for Money Box this week, with no hidden charges. Listen live at noon on BBC Radio 4.

Best wishes,

Paul Lewis

*Someone who opens an account with a building society in the hope of a windfall if it is bought or taken over or floats on the stock market.

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