the bank of england raises interest rates for will see some homeowners pay higher mortgages. i just think they are thinking about big business and actuallly they're not thinking about the millions of people affected by this who are struggling to pay their bills. so what does today's rate rise mean for savers. also on the programme. she was murdered by her adoptive father, now a review finds chances were missed to save 18—month—old elsie skully—hicks. keeping the peace in zimbabwe, a new president could be announced this evening following the disputed election. i'm andrew and i've got a smart phone. i'm kirsten and i've got a smart phone. i'm jake and i've got a smart phone. and i'm alice and i'm too small. how digital devices have transformed, all our lives.

transformed all our lives. and throwing away millions, the couple that almost binned their lotto dream. and coming up on bbc news. after england were bowled out early, sam curran stars in the field, as day two of the first test against india at edgbaston. good evening and welcome to the bbc news at six. interest rates are going up for only the second time since 2009. the bank of england's monetary policy committee voted unanimously for the rise, from 0.5 to 0.75%. the increase had been expected, despite concerns over household debt and a slowing

of the property market. it means more than 3.5 million mortgages subject to variable or tracker rates will become more expensive. but it's good news for some savers. here's our business editor simonjack. the road to rising interest rates has been a very slow one, like the tarmac on this road near lincoln, rates have been flattened for nearly ten years. that changed today for one main reason, wages are on the move. after years in the doldrums they are rising at 2.7% per year, faster than prices going up in the shops, as employers struggle to recruit and retain staff. that prompted the bank to raise rates by just a quarter to 0.75%. although the economy does not look

like it is moving very fast, according to the governor upward pressure on prices is growing. the overall level of pay is now finally outstripping the rate of growth and inflation. pay packets are growing faster than prices online and in the shops. what we want to do is to ensure that that continues to be the case, so the economy remains on track and people who are just starting to get ahead, those people in work, continue to get ahead. back on the roads the impact of unemployment at a 43 year low is clear. i am having to offer at least 15-20% clear. i am having to offer at least 15—20% more than i was three years ago for the guys on the field to carry out the work for me. if i enter into the contract market, there is at least that percentage uplift in the value of the man— hourly rate that i have to pay. that is the employers from view. what do employees think? jeff haynes is on a tracker mortgage whose costs will rise. it makes me think i have not got much money to spend in my

pocket. it stars making me worried that my disposable income that i had a week ago last month from my pay packet has gone. here on the high streets of lincoln there are some young pedestrians who were not even born last time rates with this type. it feels like interest rates have been at rock bottom for ever, it has been at rock bottom for ever, it has been at rock bottom for ever, it has been a decade that has been great for borrowers and bad for savers and it has changed our behaviour. we are now spending more than we are earning and you cannot do that forever, so the bank of england hopes that managing interest higher will help us save more and borrow less. the question for the governor is how fast and how high they will now rise. if you take what financial markets think, which is about one interest rate increase a year, a quarter of a percent per year for the next few years, people want the rule of thumb and for now i would use that. that could be it for the time being, a sensible move given

what is lurking around the corner and according to some city economists. we think interest rates will not rise for another year and thatis will not rise for another year and that is because we see a number of uncertainties on the horizon, in particular over brexit. we think the policymakers will probably want to wait until after the uk has left the eu to see what, if any, impact that is on the economy before they decide whether to raise rates again. a new era? not really, but it is a small step back towards economic reality. simonjack, bbc step back towards economic reality. simon jack, bbc news. as we've been hearing, a rate rise was widely expected, with growth, consumer confidence and spending picking up, after a weak start to the year. but what does it mean for households? our personal finance correspondent simon gompertz has been finding out. this is where a rate rise can hurt. for homeowners in the hertfordshire town of hemel hempstead. they're caught between the high house prices of london's commuter belt and the lower wages of middle england — many onlyjust managing

to pay the mortgage as it is, let alone with an increase. young buyers like sarah... hello. ..who already has to find £800 a month. any more and she'll struggle to support her fledgling business, advising on how to sell on the internet. it would affect my food shopping, i don't buy meat products any more, it's just too expensive. my heating and energy bills i'm constantly watching because all my spare money has to go on paying my mortgage now. how do you deal with that pressure? it makes me feel really stressed out. i hate thinking about money, but it's constantly on my mind. it's those like sarah, with variable rate mortgages, who might see payments go up. there are 3.5 million of them, with an average mortgage of £112,000, with today's increase likely to put an extra £14 on their monthly bill, though it could be more. it's notjust mortgage borrowers like sarah here who care

about interest rates, plenty of her neighbours are savers, and while their worry is whether the banks and building societies pass the interest rate rise on, they welcome higher rates. as a family we have an isa, and we haven't really benefitted for the last couple of years. also being a single mum, i'm going to see benefit for my whole family. instead of people being encouraged to save, the message always, always seems to be, just go out and borrow more money. so higher interest rates that encourages people to save? absolutely, yes. the most popular way of saving is in a tax free cash isa. 16 million people have them, with average savings of more than £11,000. the rate hike will yield just £28 extra a year if it's passed on. none of this makes much difference if you rent, and don't have much to save.

it doesn't affect me at all, because i've got no savings, and if i did want a loan at some point then maybe it would. so some dodge the effects of the interest rate rise, but those facing higher costs in towns like this have to worry that soon, perhaps next year, rates are set to go up again. simon gompertz, bbc news hemel hempstead. a report has found that there were missed opportunities to protect an 18—month—old baby girl who was murdered by her adoptive father. cardiff and vale's regional safeguarding—children board has now apologised following the death of elsie scully—hicks, who died in may 2016. she was subjected to a catalogue of injuries over several months. matthew scully—hicks was jailed for life with a minimum of 18 years for murder last year. sian lloyd reports. elsie was 18 months old when she was murdered by her adoptive father. matthew scully—hicks was sentenced to 18 years in prison

after inflicting a catalogue of injuries on the child. today a report was published into whether lessons could be learnt from her death. there were missed opportunities to raise safeguarding concerns. for this all agencies involved in elsie's care would like to sincerely apologise. the report also found that the adoption was viewed as very successful. opportunities to explore elsie's injuries were missed and information was not shared between agencies. together with his husband, matthew scully—hicks had already adopted one child and the family were known to social services. the report says the couple were seen through a positive lens by social workers who hadn't always questioned elsie's injuries or recorded them. why was there this lack of professional curiosity? because there is a duty on social workers to be asking questions, particularly around injuries that they can see during an adoption process.

that positive lens meant they were not looking in the way they should have been and so you are right. that is something they should have done, that is something that we have as an organisation recognised and we have taken that fully on board. children's charities say lessons must be learned. some resolution needs to be found so that information is shared, but the other thing is that basic social work premise of questioning and having professional curiosity about what you are being told. elsie was treated here at the university hospital of wales on a number of occasions but they didn't spot that her injury had been inflicted. now changes have been introduced to ensure that any child brought here under the age of two for an x—ray will be seen by a specialist who will assess whether the injury is not accidental. in all, nine recommendations have been made to prevent opportunities to save other children being missed in the future.

sian lloyd, bbc news, cardiff. four people have died in a car crash during a police pursuit in bradford. a bmw containing four men, was being followed by officers before crashing in the early hours of this morning. fiona trott is at the scene for us tonight. fiona. people are coming here to lay flowers a nd people are coming here to lay flowers and it is clear that the car hit that tree with some force. west yorkshire police have not confirmed how fast it was travelling or why it was being followed by an unmarked car. people here living on binley road say speeding cars are an issue, thatis road say speeding cars are an issue, that is something that may be considered by the independent 0ffice for police conduct to have taken over this enquiry. there are investigating as were here earlier today and groan was used gathering

evidence. the i/0 pc has released a statement and it says, this is the most tragic incident and our sympathies are with the family and friends of those who have died. fiona, thank you for that. a prominent rapper has been stabbed to death, and two others have suffered knife wounds in south london. siddique kamara, who was 23, was a member of the group moscow 17, which was well known on london's underground rap scene. police say they're treating the incident as "gang—related". two men aged 18 and 19 remain in custody on suspicion of murder. there have been international calls for restraint in zimbabwe as the nation awaits the result of the disputed presidential election following yesterday's violence in which at least six people were killed. the winner is expected to be announced this evening. the frontrunners are president emmerson mnangagwa of the ruling zanu—pf party and nelson chamisa, leader of the main opposition group, the movement for democratic change. the mdc claims zanu—pf have rigged the election. 0ur africa editor fergal keane reports from the capital, harare.

this was his first public appearance since yesterday's violence. nelson chamisa had come to visit wounded people in hospital. but international pressure on him to help de—escalate the crisis seems to have had little effect. offered the chance to call for restraint from his supporters, this was his response. there is no reason for us to show our restraint because it's always been restrained. our people are peace loving. we have demonstrated several times. and we are peace loving people. zimba bwe's love peace but they have a very violent government. in the aftermath of death and injury, this was the normally bustling centre of harare today. soldiers had warned people to go home. this isn't the typical busy harare of a thursday afternoon. it's an apprehensive place. it's a city whose streets don't belong to the people today, but to men with batons and guns. at the headquarters of

the opposition we found a stand—off. police arrested several people who had been taking refuge there since yesterday. the face of a prisoner. they were still seeking the surrender of more holding out inside. the government side has given mixed messages. some warning mdc leaders they face arrest, others appealing for restraint. but certainly it is supporters of the mdc led by nelson chamisa who cause the trouble. i am happy that our supporters exercised maximum restraint and were not involved, and i'm appealing to them to continue to exercise that. in the wake of the harare violence, pressure has mounted for an ininnocent declaration for the presidential result. still the nation and world wait. do you accept that the longer this goes on, the more it looks particularly to opposition supporters that there is a fix? we do acknowledge, like they say, that the longer it takes,

the more anxiety that is there among our citizens. but we need to do the whole process within the confines of the law. it is now reported there will be a result tonight. whoever wins, it won't end the tension here. feargal keane, bbc news harare. our top story this evening. the bank of england has risen interest rates to 0.75%. it's only the second time the base rate has gone up since 2009. in glasgow i am here for the birth ofa in glasgow i am here for the birth of a new european concept. coming up on sportsday on bbc news, can ireland continue to make history? there is a semifinal spot up for grabs at the hockey world cup. england also looking to make it through to the final four.

the way we interact with technology has changed dramatically in the last decade. nearly 8 out of 10 people now own a smartphone, and according to a new report by the communications regulator, 0fcom, we're now becoming increasingly dependent on them. it's estimated the average person checks their phone, every 12 minutes, with 40% of us taking a look within five minutes of waking up in the morning. but for the first time ever, the number of calls made on mobiles has fallen. instead we're turning to messaging services like whatsapp and facebook messenger, to keep in touch. rory cellan—jones has been to meet one family, to see how technology has changed their lives. dad, what you doing? making some crazy music for instagram. meet the family and a home full of smartphones and tablets which have transformed the way they live. smartphones and tablets which have

transformed the way they livelj have a smartphone. i'm kirsten, i have a smartphone. i'm kirsten, i have a smartphone. i'm kirsten, i have a smartphone. i'm alice and i'm too small. dad how do you yours mart phone? i use it to check e-mail and text messages. how has it changed your life. ? made me become a more independent person, i am visually impaired soi independent person, i am visually impaired so i with use my phone to do more tasks than i could previously and it enables me to navigate safely. mum how do you use your?s i use it to wake me up, tell us your?s i use it to wake me up, tell us the weather so we can plan or day, to do all the shopping, so i don't have to drag you guys round the supermarket every week. andre makes a living from composing music, the technology for visually impaired people on smartphones has given him a whole new way of working. and 2.28. but 0fcom says we have become dependent on our phones over the last decade. the average person spends 2 hours and 20 minutes a day

on their phone. 71% of users say they never turn it off while 78% say they never turn it off while 78% say they couldn't live without it. this report shows that generally we are pretty ha p py report shows that generally we are pretty happy with the changes smartphones have brought particularly the ability to connect, but we are concerned about how much we use them and there are questions of good manner, should you be checking your phone at the dinner table? well, nearly everybody over a certain age thinks that is right out but the under 35, well, round half of them are ok with that. and are there any rules about how we use our phones? there are rule, you are not allowed to use it outside of the house, we do not use our phones at the table. and you are not allowed to use it for overa certain amount of time each day. the family rules do allow everyone to multitask on phones and tablets in front testify tv. up and down the country we are all deciding what are

good manners it's been estimated the cost of upgrading the transport network in the north of england, is 100 billion pounds, by 2050. a cross—party group of mps and members of the house of lords, have written to the chancellor, saying the investment is vital, to prevent future generations enduring the misery some commuters now face. there have been several weeks of rail disruption and criticism of the transport secretary chris grayling. here'sjudith moritz. running smoothly into bradford today, but a summer of misery has earned this train service the nickname northern fail. frustrated by delays and cancellations, some have accused the transport secretary of having his head in the clouds. today chris grayling was at the airport, opening a redevelopment at leeds bradford, but the questions he faces were about trains. myjob is to deliver the best possible transport system. and you're not doing it at the moment. well, we have got a challenge this summer, with a timetable that's gone wrong because of an infrastructure project that's gone wrong.

myjob is to sort that out. i don't run engineering projects, myjob is to sort out problems when they arise. it shouldn't have happened. today more than 80 mps and peers called for a £100 billion boost for transport in the north of england and for the proposed northern powerhouse rail scheme to be brought forward. we have an amazing capital, in which there is a transport system that is 24/7, it works for big businesses, small business, for families and communities, and we would like to have the same opportunity to realise our potential in the north of england. bradford is highlighted as a city that would especially benefit from the northern powerhouse rail project. the argument being by improving connections here, the city's particularly young workforce would see the creation of another 15,000 jobs. that would be welcomed by companies like this one in shipley. they make components for the aerospace industry. 75 people work here, including josh, who joined straight from university, and moved house because commuting by train was impossible. i've tried getting here from york,

from the other side of leeds, and from sheffield, all three of which were an absolute nightmare. relying on public transport was intermittent at best and expensive. so it got to the point where you thought "i'm going to have to relocate". josh gave up on trains and now drives in, but plenty of commuters don't have the choice, and short of having their own powers of flight, there are many dreaming of a trouble free transport network. judith moritz, bbc news, bradford. after a dominant day in the field, england 5 cricketers faced a stubborn late stand by india s batsmen, on the second day of the first test at edgbaston. ? the tourists made steady progress this morning, before surrey bowler sam curran took three wickets forjust eight runs. ?but india s captain responded and made an impressive 149. they were eventually all out, for 274.

england have now begun their second innings. the first multi sport european championships, is being described as a ‘mini—0lympics,‘ featuring some of the biggest names from seven disciplines. the 11 day competition which began today, features more than four and half thousand competitors. joe wilson is in glasgow where some of the events are taking place. the family joe. hi, i am joe. hi, iam in george joe. hi, i am in george square where there be will be a musical festival taking place. we had a qualifying day today, we are going to concentrate on the theory behind the championships. look out for some flashing images in sports that you know with a conceptual twist. perfect. take seven european championships and stage them at the same time. maximise the impact.

britain's team includes this world record holder. it's almost like a mini 0lympics, the commonwealth games was exactly the same, the europeans the first of its kind, so it'll be great to obviously race on the european stage with all the other sports as well. it kind of brings all the media attention into one place. scotland's katie archibald has won medals everywhere. she now anticipates the home games effect in glasgow. there's this kind of odd voodoo that surrounds competing on home soil, the step up that you get, i suppose with the pressure of your friends, your family and your nation watching you. so i'm nervous about it but it's going to be good. so a new multi—sport event, all staged within one great city. actually, it's not quite that simple. the athletics is being held just outside glasgow. specifically, in germany. berlin starts its bit next week, while other sports continue in glasgow. scotland's first minister insists she's happy to share. these are the first multi—sport

european championships. it's also the first for two cities to co—host in this way. i was in berlin recently, and i know they're excited about the athletics. i got the sense they were a bit jealous of some of the sports that glasgow was hosting as well, but i think it's a great partnership. this city has invested heavily in sport. nicola sturgeon told me she wouldn't rule out a future glasgow olympic bid. as yet, there's no host for the next european championships. everyone is watching to see if the concept succeeds here. joe wilson, bbc news, glasgow. it's the stuff of dreams — and nightmares. you match all the numbers on euromillions, but you're told it's not a winning ticket, so it's chucked in a bin. then you find out it is a winning ticket. well, that's exactly what happened to a couple from aberdeenshire. oh dear! lorna gordon has the story, and there are some flashing images. celebrating the win that almost never was. fred and lesley higgins are nearly £60 million richer, even though a shop assistant in a surely through their ticket

away by mistake. he checked it, he tore the ticket up in half, he put it in the bin, and then the machine printed out the little sort of winning slip you normally get when you win the lottery, but no figures on it, itjust said, contact lottery headquarters. the couple kept their ticket hidden in an envelope at home while their claim was investigated, confident the lottery would pay out. and i had written on the envelope in red letters, "money worries over!" holding his hands up to his mistake, the 18—year—old who had been behind the counter, he never thought they would win that much, and he was relieved the winnings came through. i didn't find out till last night, so to hear it was 57 million, it was just amazing, and for a local couple, it's even better. i don't even pay £50 £100, never mind 58

million. the higgins had dreamed of winning big on the lottery. now they have, new hobbies, homes abroad and rare malt whiskeys are among their plans for the future. lorna gordon, bbc news. tourists heading for europe are being warned to take care in the blazing sun, with large parts of the mediterranean in the midst of a scorching heatwave. temperatures could reach record—breaking levels, hitting the mid 405, with south—west spain and portugal likely to experience the most intense heat. let us get the wetter. helen is with us. it is a bit different if some parts of the uk. it is. we are talking about some heat clive but just not for all. this is how it looked in belfast an hour ago. we have some rain so a weather front is slipping in. of course, many have enjoyed the sunshine as you can see here in rugby in warwickshire, so

this is the cloud that is bringing the rain, it is pushing across south—west scotland, raining through dumfries and galloway but the sunshine continues to end the day further south. what he we will find with all that cloud around and that rain, even into northern england and wales is it will be another warm and muqqy wales is it will be another warm and muggy night and muggier as well, in the south—east. it does mean that tomorrow morning as we have seen today, in fact, we will have a lot of misty grey weather round the coast. so this is the weather front responsible for rain, welcome rain i am sure for some of us but it is the dividing line twine the heat sitting to the south. we are not talking anywhere near the heat extremes for spain and portugal and the fresher alan tick airto spain and portugal and the fresher alan tick air to the north. dawn looks a soggy affair for northern england and the north of wales. more than today. there will be more showers round across the east of scotla nd showers round across the east of scotland tomorrow, compared with today. a good deal of fine and dry weather. warm at 2 1. hazy sunshine

in northern ireland, the far north and the south of our weather front, grey and murky round the coasts of south—west england and the irish sea coast but we could have again pushing towards 30 in the south and east. as we go into saturday a similar story without the rain. so for most it is dry, bright, hazy sunshine, one or two showers in the north but 18—20 here compared with the high 20s further south. so lots of decent weather, there is more chance of rain for the highlands and island on sunday but not much to concern ourselves except that heat and it will be stifling that's it. so goodbye from me. now on bbc one, let's join our news teams where you are. hello, this is bbc news. the headlines... the bank of england raises interest rates to their highest level since 2009 — meaning the price of many loans and mortgages will increase — but earnings on savings accounts

should grow. keeping the peace in zimbabwe, a new president could be announced this evening, following the disputed election. she was murdered by her adoptive father, now, a review finds chances were missed, to save 18 month old elsie skully—hicks. holiday—makers going abroad are warned to prepare for extreme heat — many parts of europe are hitting temperatures into the 405. in a moment it will be time for sportsday — but first a look at what else is coming up this evening on bbc news...