I initially read that as HP fiasco '20
21 posts • joined 25 Feb 2016
Re: iPhone SE
I have an SE also and sorry to say I like it. Not everyone wants to watch videos and spend their lives glued to their device thank you, but they might want a small phone with a good camera.
One thing to note. If you are using the N version of Windows 10 you will need to install the Media Pack to access files from the phone. Took me a while to suss this out.
Re: More comfortable surrounds?
Indeed. Last year I flew on an A320 with a middle eastern airline and the seats, entertainment etc were exactly the same as on their twin aisle jet. The plane even had proper business class seats. Not like the European ones with business class seats that are the same as economy and they just don't fill the middle seat.
Re: Woah, BT still had an open defined benefits pension scheme?
Quite often schemes remain open to existing members up to until just after the CEO or last senior director retires.
Besides there is a lot of criticism of shareholders out there. However the largest shareholders in these blue chip companies are of course Pension Funds. Shafting the 'shareholders' will have a direct effect on pension funds in this country whether they be DB or DC schemes. Be careful what you wish for.
These schemes were generally well funded in the 1990s. Then people started living longer and longer, Gordon Brown's tax raid, low interest rates (even negative yields) etc. etc. Trouble is we don't have a crystal ball. It maybe these deficits will disappear in time, maybe they will get worse. However if the money just isn't there to pay the pension 20 or 30 years down the line, it doesn't matter what is promised now. That can apply to the public sector as well.
You are correct in saying most final salary schemes are non-contractural. It is usually phrased in an employment contract as the 'right to join the company pension scheme'. The terms and conditions can vary; in many cases they need to due to be flexible due to changes in legislation like equality laws etc.
However in the case of TUPE the new employer must offer an equivalent or better scheme. I am still remain a member of my previous employer's scheme (paid into by the new employer) as the new employer did not offer as generous a pension.
I think it is a little more complex than that.
We have exorbitant property prices because of planning constraints and Grenfel,l we don't know the full story, but the council and building regs seem at part to blame, not necessarily neolibralism. As for transport - the airline industry that is highly competitive has seen much lower fares than the days of flag carrier airlines. But if you mean trains then that just seems like a Govn't run outsourcing project. They aren't great now but were they better in the days of British Rail? Not in my experience.
Not so fast... Most TalkTalk customers are on long contracts - my last was I think 2 years. However it is coming to an end in a month or so. So the churn rate for Q4 is pretty irrelevant imo. More telling will be the loss of customers in a year or so.
btw the free offers that were handed out were Sky channels, free sims etc.
Re: "(normally people buy a new machine to get a new Microsoft OS)"
It's not just computers. In the past old HP desktop B&W printers lasted forever - laserjet 4, 4050. Colour lasers just don't; and they are expensive to run. All that happens is the office gets over-run with cartridges for printers that no one has anymore because after a few years the printer gives up. Better to go for a larger photocopier/printer on contract than buy flimsy HP ColourJets.
And yes my home PC is about 7 years old but I recently put in an SSD and it has given it a new lease of life. Not as quick as the i7/32GB PCs I have been setting up for work of course but pretty usable still.