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I Have a Question - Volume 231 - LOCKED - Pugugly

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Edited by Dynamic Dave on 22/04/2008 at 22:28

Undelivered Goods - What to Do? - drbe
At the end of March I ordered two corded mobile phone headsets from an internet supplier based on the South Coast. Only one headset arrived. Despite my requests, I cannot get a response from the company. What should I do?

As I say, I have tried to contact the company, without success. I have asked my credit card company to institute a dispute procedure. It isn't worth taking them to County Court ( the toatal amount is £14.97 and I have received one headset) for the amount of money involved.

Since the transaction I have checked the company on a feedback website and it does seem that they have some form in this respect.

Any ideas what to do next? Forget it? Blacken their name at every opportunity?

Undelivered Goods - What to Do? - Mapmaker
Stick with the credit card company. They will refund you and you need do nothing more.
Undelivered Goods - What to Do? - Clk Sec
I had a similar problem some years ago. My credit card company made the appropriate refund via their next statement.

Clk Sec
Undelivered Goods - What to Do? - Optimist
Yeah but........isn't there a minimum value on c/card transactions before the card will stand the liability?
Undelivered Goods - What to Do? - drbe
I have now had the disputed amount credited to my account. No debate, no discussion - well, not with me anyway - simply a return of my money.

Full marks to the credit card company.
Undelivered Goods - What to Do? - Optimist
Yeah...brilliant.
Undelivered Goods - What to Do? - Mike H
I had a similar problem with a totally different company, and, like you, found afterwards I wasn't the only person. I sent a recorded delivery letter stating that I was going to institute proceedings with the credit card company, and also told them I had contacted trading standards. Never had a reply, but got the money back within three days after waiting weeks!

On a similar vein, I manage the mobile phones for our office. I wrote to them about a specific issue which was costing us money several times with no response. I finally wrote to them a couple of weeks ago saying that I would be taking legal advice if I didn't hear from them - had a phone call the day the letter was delivered and they are magically finiding ways to resolve it.....
Mobile phone signal boosters - Generation 4 - oldnotbold
I think they are all snake oil - the physics they quote does not make sense.

If it's coverage at home, then have you tried checking to see which network has the nearest antenna, which may well the best, unless it's the other side of a large hill!

You can look up here: www.sitefinder.ofcom.org.uk/ by clicking on the map and entering your postcode and then finding the nearest sites and clicking on the blue triangle to ID the owner.
Querying a Bank Charge - Armitage Shanks {p}
I would appreciate help and/or comments on the following situation.

Last week I made a secure on-line payment from my UK current bank account to a UK firm, using my debit card details, to pay for some foreign currency. The next day a charge, representing 1.5% of the transaction value in £s, appeared on my bank statement called "Visa Counter Charge - Withdrawal"

When I queried this I was told that the transaction was treated as though it had been a cash withdrawal from an ATM abroad and that it was in accordance with my account terms and conditions. Bearing in mind that people have disputed and had refunds of bank charges - things like £30 to send a letter saying your are 50p overdrawn, where do I go from here? The courts have ruled that charges levied must be proportional to the costs incurred by the bank. I was also told that I could have avoided the charge by paying cash or writing a cheque.

1. Bearing in mind that I have never ever paid a charge for using my debit card in UK, what 'service' have bank provided me with to justify any charge at all?

2. How can they legally regard a transfer of UK£s electronically, from me to a 3rd party within the UK, as a "Foreign Cash Withdrawal? It may be in their terms and conditions but is it reasonable or legal?

3. I thought it was illegal for people paying bills by different means to be charged different amounts. I know there is an on going dispute about services and phone bills and Direct debits but this isn't relevant to me.

4. What is the cost to the bank of processing a cheque compared with the cost of dealing with an electronic transaction? I thought they were trying to stop us using cheques to save them money.

5. Could they have hacked into my electronic transaction to determine that it was for foreign currency

Comments and thoughts would be welcome, particularly from PU when he returns for his break in Wales! Thank you

Edited by Armitage Shanks {p} on 17/04/2008 at 08:02

Querying a Bank Charge - Clk Sec
I would suggest you write to your bank and tell them you are not happy with their charges. I?ve done this on a couple of occasions and have been fully reimbursed.

Clk Sec
Querying a Bank Charge - daveyjp
With the current court cases banks have become very hardline.

Paying by visa debit for foreign currency does attract a charge - M&S told me this when I last bought some Euros. They advised me to go and use the cashpoint next to the foreign currency tills to withdraw the cash and I would then avoid the charge.

I don't see how the bank charging 1.5% is any different to a foreign exchange outlet who charge a %age (typically 2-3%) with a min fee of a few quid.
Querying a Bank Charge - Armitage Shanks {p}
Thanks for the comments so far. I have already been told that the charge is correct and it covered in my Terms and conditions - Page 8 Para 87(b). I have bought foreign currency on line for the last 7 years using 2 other different banks and have never paid any fee to the bank from which the money came. DJP - I see what you are saying but the fee has been charged to me, not by the supplier of the currency who are commission free, but by my bank who have made the pament on my behalf. I don't pay any handling fee to have my car serviced, when I pay by my debit card so how is a payment for foreign currency in any way different?

Edited by Armitage Shanks {p} on 17/04/2008 at 09:37

Querying a Bank Charge - Mapmaker
It's in your Ts & Cs. Why didn't you read them when you opened the account?

If you will sign legal agreements without reading them, then what do you expect? No sympathy here, sorry. Just mark it down to experience.
Querying a Bank Charge - Clk Sec

A verbal smack.
Querying a Bank Charge - jbif
Armitage Shanks:
The courts have ruled that charges levied must be proportional to the costs incurred by the bank


Has there been a ruling? That is news to me.

>>Comments and thoughts would be welcome, particularly from PU

;-) I thought PU's trade union prevents him from giving free advice. He may want to charge you 20% of the value of the transaction on top of the "call-out" fee. :-(

Taking your questions/points in turn:

Q1. ... what 'service' have bank provided ....
It seems they sold you foreign currency.

Q2. ... a transfer of UK£s electronically .... as a "Foreign Cash Withdrawal?
All depends on how the 3rd party treated the transaction. See Q5 below. But I know there is at least one provider (or maybe it is the only one) of debit cards who does not charge such fees - Nationwide BS.

Q3. I thought it was illegal for people paying bills by different means ..
News to me. I was not aware of that. For example, I find that credit card payments are surcharged a "fee" for many transactions (try paying a deposit for a car at a dealers, or to buy a flight online, etc). However, I find debit card payments are accepted without surcharge when paying in £s for £s.

Q4. I thought they were trying to stop us using cheques to save them money.
Are you saying that the 3rd party would have accepted a payment by cheque in £s? Otherwise, you would have had to get the bank to write you a cheque in foreign currency for which they probably would have charged a lot more than the 1.5% transcation fee.

Q5. Could they have hacked into my electronic transaction to determine that it was for foreign currency
That is the bit that puzzles me. It seems the solution lies within the 3rd party's terms & conditions.

Querying a Bank Charge - Armitage Shanks {p}
jbif - thanks

Q1. The bank did NOT sell me foreign currency! They charged me a 1.5% fee for transferring funds from my current account to the supplier of the currency. I don't pay a fee for this service when having my car serviced or visiting the supermarket - how is paying for euros different? Thay can't justify it - they just tell me that is the way it is.

Q4. The third party billed me in £s sterling and would have accepted a cheque in £s sterling to pay for the currency. I would have written it - it would not have been a bank draft.

Q5 You can only be charged extra for using a credit card if this is explained at the point of sale SFAIK.

The courts may not have ruled on unfair charges but a lot of cases have been settled to the satisfaction of the claimant and without court action - see Martyn Lewis's website Moneysaving expert.com for details

Edited by Armitage Shanks {p} on 17/04/2008 at 10:46

Querying a Bank Charge - Mapmaker
How much money exactly is at stake? I remember in the good old days, before plastic, people used to take large amounts of cash abroad.

Also I can understand that people with "cash" may wish to use "cash" on holiday.

However I'd be amazed nowadays if you'd changed even as much as £1,000 of cash - which is £15 of fees.

Surely not worth getting worked up about. Enjoy your holiday instead, and save yourself the risk of going to the doctor for high blood pressure tablets.


As for your question 1. Clearly they debited your account in Euros, not sterling.
Querying a Bank Charge - jbif
they just tell me that is the way it is


Any chance of quoting their exact T&C which says they can charge you a fee for paying a UK supplier with a UK office who is invoicing you from the UK in £s for goods which happen to be "paper and metal" embossed with some foreign country's name.

Querying a Bank Charge - Armitage Shanks {p}
No - my account was debited with the amount in sterling that I had to pay for the euros + a 1.5% of the bank's own making up for doing absolutely nothing. I shall drop into the local office on my way to work this evening and pick a copy of the T&Cs. Actually there isn't much money at stake at all but I have never paid for this service before so why now. It isn't actually the charge that bothers me - it is them saying that they are treating it as a cash withdrawal abroad which it patently was not!
Querying a Bank Charge - jbif
I shall drop into the local office on my way to work this evening and pick a copy of the T&Cs.


I found this on the Martin Leis website travelmoney.moneysavingexpert.com/
" yet if you pay for foreign currency on a credit card, or some bank?s Visa debit cards, it?s possible you?ll be charged an additional fee on top of what you pay the bureau de change. Debit cards that DO charge a fee: ... "

and this on
www.thisismoney.co.uk/saving-and-banking/article.h...7
"Current account customers with Abbey, Lloyds TSB, Co-op, Alliance & Leicester and Barclays who have a Visa debit card are being hit by a stealth charge.
The charge, which does not apply to other debit card users, is similar to that imposed on credit card users who use their plastic to withdraw cash.
Angry customers say buying foreign currency is no different from buying goods in a shop and they should not be penalised. "



Querying a Bank Charge - Armitage Shanks {p}
Thanks jbif. I think I shall give up! I had been to Martyn's site with regard to recovering unfair charges and had not seen the highly relevant links which you have kindly spent time looking up for me! Fighting this will be like f*rt*ng against thunder! I am good but I am not that good!
Querying a Bank Charge - Billy Whizz
AS, don't give up! As per Clk Sec's suggestion, I has got to be worth a choicely worded letter of complaint, purely as a means of communicating your rank displeasure.
Querying a Bank Charge - henry k
Slightly off topic
I have a M & S credit card mainly for obtaining foreign currency. An added bonus is they are open late.

I have a Nationwide CC for use when abroad of paying over the web for things in another land like hotel reservations. Brilliant.
Querying a Bank Charge - Armitage Shanks {p}
I think I can close, with many thanks to all who have offered their advice and opinions. I do actually have Nationwide debit and credit cards but didn't have enough funds in the current account to pay for the euros at the time! I shall write asking what the charge is for - ie what service have they provided for the fee charged!
Querying a Bank Charge - Armitage Shanks {p}
Final Final input - just had this my bank.

Thank you for your e-mail regarding the Visa Counter Charge.

The charge applied to your account is a Visa Counter Withdrawal Charge and is applied to your account by the visa network when purchasing foreign currency using your debit card. You should have been advised when making the purchase that a charge may be raised when using your card to make the purchase. Unfortunately as the charge is levied by the Visa network and ????? Bank have no control over the charge raised.

I do hope you find the above information useful, however, if you have any further questions or need any more help please visit our ?Help? section online or contact us again.

WANTED...Shetland Pony - OAP
A friend of mine wants to purchase a Shetland Pony but so far has not been successful.

Ideally it should not be too far from the Belper area of Derbyshire but it might be possible to arrange transport from further afield....no pun intended :o)

Any help would be much appreciated.

TIA
WANTED...Shetland Pony - Dwight Van Driver
www.shetlandponyclassifieds.com/

Do a search on 'Shetland ponies for Sale' for more.

dvd
WANTED...Shetland Pony - crunch_time
Is your friend aware that a fair proportion of those cute looking creatures have a very stroppy temperament?

WANTED...Shetland Pony - Armitage Shanks {p}
And they bite - hard!
WANTED...Shetland Pony - deepwith
It depends what they want the pony for - companion (non-ridden) for other horses, riding or driving. Good start is obviously via Horse & Hound adverts, but the local feed merchants will probably know of locals who have shetlands. Could also try the local Pony Club. Blue Cross sometimes have them to re-home if you check their website.
If it is for a small child to learn to ride sometimes a donkey is better to start - think of the length of a child's leg and the rotund shape of a shetland!!
WANTED...Shetland Pony - David Horn
Ask on the Horse and Hound online forums - they'll be able to sort your friend out with what he/she wants.
WANTED...Shetland Pony - OAP
Many thanks to you all.
The smallest microwave you can find? - PoloGirl
Since moving in to my own place in October, I have taken pride in the fact that I didn't own a microwave, didn't eat ready meals etc. I could live without the odd jacket potato, and being organised enough to get things out of the freezer in the morning meant that the defrost function wasn't missed terribly.

However, one thing has swung it for me, and I now find myself needing a microwave. My lovely/grumpy old cat who I adopted in January has the early stages of renal failure and has to have special food, which he is more inclined to eat if it's been warmed up for a few seconds. With hindsight, I could also use the microwave for heating soup and steaming veg, so it will be well used although I dont need anything fancy.

Problem is... as with most new flats, the builders assumed that no actual cooking would take place in the kitchen so worktop space is at a real shortage, and sockets are in ridiculous places. The spot I have identified for the potential new microwave is rectangular, with the shortest side being 28cm long. Ideally this measurement would be the length along the back of the microwave, so that it opens forwards. If it has to be the depth then the microwave will sit sideways and open onto the draining board, which isn't ideal.

I've found lots of comparison web sites that compare products but none that let you specify size as a factor, and I have no idea if they even come in a size that small.

Oh and it needs to be silver or grey ideally, but I'm not too fussy on that. I think about £80 would be my top budget, but closer to £50 would be ideal.

Make my cat happy and work your magic, please. :)
The smallest microwave you can find? - maltrap
i don't think you'll find one to go into the space you've described consider getting microwave brackets(similair to shelf brackets but bigger) you can get budget microwaves at Tesco from £30

Edited by maltrap on 19/04/2008 at 12:45

The smallest microwave you can find? - crunch_time
A lot of the advertisers on eBay give dimensions.


The smallest microwave you can find? - deepwith
Is there no room anywhere for a bracket to hold the microwave - like one for a tv? Maybe above the work surface you have identified?
On the baked potatoes - boil your spud with skin on for 15-20 minutes then bake for short period to dry out.
The smallest microwave you can find? - ifithelps
PG,

Caravan shops are a good source of small kitchen equipment.

When I looked for the IIH static, the microwaves were about the same size as the smallest ones in Argos/Currys etc.

Still worth a try, there could be something out there I didn't see.
The smallest microwave you can find? - Stuartli
>>the builders assumed that no actual cooking would take place in the kitchen>>

So what's the kitchen for then? ..:-)

You can plonk a microwave down virtually anywhere where there's a convenient mains socket.

As for models themselves, I bought a stainless steel De Longhi 850w microwave for £35 at Argos just before Christmas (reduced to half price); the same model, but rebadged as a Tesco, is still on sale at the supermarket at £79 (occasionally reduced to £59)...:-)

Although it was cheap, the De Longhi still has digital timing control of cooking, convection heating and auto cook/defrosting. It's much better than the manual knobs on cheap microwaves. My model is about 50 per cent wider than a dinner plate and takes up little room.

This is pretty similar, but £45: tinyurl.com/6pbnvx

Edited by Stuartli on 19/04/2008 at 13:58

The smallest microwave you can find? - PoloGirl
I hadn't thought of putting it up on the wall. There is potentially a place I could do that. Thank you!

>Convenient mains socket.
And there is the problem. There are four on the worktop, but they already have toaster, kettle, blender and grill plugged into them. The only other socket is right next to the sink, which I think is a pretty silly place to put something electric, but if the applicance was mounted up on the wall, that would be less of an issue I guess.

www.johnlewis.com/230479383/Product.aspx is the smallest I can find so far. But, ooh, it is UGLY!!

The smallest microwave you can find? - adverse camber
that does look a bit errr challenged?

A couple of possibles for extra sockets - 1st fits under units, 2nd pops up out of worktop. similar things also available but these are the first I found on google looking for them.
tlc are a good supplier
www.tlc-direct.co.uk/Main_Index/Wiring_Accessories...l
www.cedecor.co.uk/cheshire_electrical_decor/3462/m...9
The smallest microwave you can find? - Armitage Shanks {p}
PG - I have a minimally small kitchen and have got my microwave (large) into a corner, on top of my front opening deep freeze and under the wall mounted combi boiler. It looks as though the wall mounting option may be the way to go. Might you not find a combi fan oven/microwave useful? Really good for heating meals for one, bits of fish small meat joints etc.

Edited by Armitage Shanks {p} on 19/04/2008 at 14:47

The smallest microwave you can find? - Nsar
maybe a lateral thought (at least as a stop gap)?

Try putting Polopuss' food in a freezer bag in a dish of warm/hot water from the tap for a minute or two, before giving it to him.

Somebody will give me the real stat but I think water conducts heat hundreds of time quicker than air. This is why, although we have a microwave, we never use it for thawing food out.

Putting a steak or somesuch into bag and then into a bowl of barely tepid water thaws it in a jiffy and doesn't cook it at the edges like microwaves do when thawing.
The smallest microwave you can find? - Stuartli
There are four on the worktop, but they already have toaster, kettle, blender and grill plugged into them. >>


Just plug an four or six way extension socket into one of them - we've done this with one of our double mains output kitchen sockets and it was on the recommendation of the Fire Brigade, who don't like the two or three-way adapters (the local FB fit smoke alarms free of charge and check for fire safety).

Fitting a microwave on a wall is fine. Just make sure that if it has rear ventilation slots that there is sufficient air space behind it.
The smallest microwave you can find? - maltrap
be careful if using 6 way extension leads with electric kettles especially it uses a lot of current and should have a socket to itself.

Edited by maltrap on 19/04/2008 at 20:06

The smallest microwave you can find? - Stuartli
>>be careful if using 6 way extension leads with electric kettles >>

I don't follow that argument, other than if all the other five sockets were in use..:-)

The kettle (our own is 2000w) is already being used with a mains socket apparently ("...toaster, blender, kettle and grill").

One of the least used items would give up its dedicated socket...:-)
The smallest microwave you can find? - henry k
>>>>be careful if using 6 way extension leads with electric kettles
>>I don't follow that argument, other than if all the other five sockets were in use..:-)

Some extension leads have thin cables that are not rated to take high loads like an electric kettle. My kettle is rated at 2700W - 3100W but obviously is not drawing that amount of power continuously.

The smallest microwave you can find? - Stuartli
A quality extension lead will be rated to a maximum of 13amps.

Edited by Stuartli on 19/04/2008 at 22:56

The smallest microwave you can find? - AlastairW
Is it so hard for appliance to share a socket? My toaster and kettle do ie: when I want toast, I plug in the toaster, when i want hot water, swap plugs. Or are your lives so fast moving that tea and toast have to be made at the same time ;}
The smallest microwave you can find? - PoloGirl
Thanks all - I had a tidy up of my worktops and found a slot for a Microwave, a very cheap, small, Goodmans one (ooh, there's almost a motoring link), but for what I want it for it's ideal.

For those of you who suggested socket adaptors and things like that - I have a fear of them since seeing one catch fire at university when it was overloaded, and in addition, my dad told me things that generate heat should never share sockets.

Oh and yes, I do like to operate the toaster and kettle at the same time in the morning - my duvet time in precious! :)

The smallest microwave you can find? - Stuartli
>>,, my dad told me things that generate heat should never share sockets. >>

Yet, in our case, that's the very thing that the Fire Brigade recommended instead of using a two or three way mains adapter.

I've also had a six way extension powering all my computer setup as well for several years...:-)
The smallest microwave you can find? - Lud
I've also had a six way extension powering all my computer setup


He said heat though, not hot air....:o}
The smallest microwave you can find? - henry k
>>For those of you who suggested socket adaptors and things like that -
>>I have a fear of them since seeing one catch fire at university when it was overloaded,
and in addition, my dad told me things that generate heat should never share sockets.


IMO I would not use the old fasioned adaptors ( those cube shaped with sockets on the faces) The weight of plugs and cables can sometimes cause the adaptor to partially come out of the socket and cause a poor connection that may lead cause over heating. So I would tend to side with your dad.

On one occasion many years ago, One such adaptor just saved a house catching fire.
There was just one electric fire pugged in but the fuse holder in its plug was loose.
This caused heating that charred the plug, right through the adaptor and started on the skirting board. The spacing that the adaptor offered saved the situation.
This must be a very rare situation.

I am with Stuartli
>>....Yet, in our case, that's the very thing that the Fire Brigade recommended instead of using a two or three way mains adapter.
We both agree. Get a quality short cable 13Amp extention lead.

>>I've also had a six way extension powering all my computer setup as well for several years...:-)
Exactly why they are readily found, but the current, as you are aware is tiny compared with a kettle.

A simple test. If the plug is hot then switch off the power and investigate.
The smallest microwave you can find? - Pugugly
Advice from our local Fire Safety People.

The maximuim amperage to a domestic socket is 13 AMPS

If you're doubling up use a trailing extension and the appliances connected shouldn't exceed 13 amps when added up.

Fuse ratings
Fuse size Typical appliances
3 Amp For most appliances up to 720 watts (W):
radios, table lamps, soldering irons, televisions
5 Amp For most appliances rated between 720 watts (W) and 1200 watts (W):
small microwave ovens, some DIY electric power tools, small cooking
appliances, electric blankets, audio and hi-fi, slow cookers, home
computers, curling tongs and rollers
13 Amp For appliances rated over 1200 watts (W):
irons, kettles, fan heaters, electric fires, lawn mowers, toasters, deep
fat fryers, refrigerators, washing machines, tumble dryers, spin dryers,
vacuum cleaners, dishwashers.

The above was nicked from West Yorkshire Fire Service.
The smallest microwave you can find? - FotheringtonThomas
If you're doubling up use a trailing extension and the appliances connected shouldn't
exceed 13 amps when added up.


Use a fused converter, or spur. Both available at your local DIY retailer.
Nokia 6310i - pmh
I have been a fan of these phones for a long time and am fully committed, with 3 phones and car kits in 3 of the family cars.

I have just tried to implement a Bluetooth connection with a (cheap nasty?) headset BT4517T - currently on special offer from Tescos.

The headset is working - or at least it can be seen by my PC BT link and sucessfully paired.

However I cannot set the phone up to work with the headset. I have fallen at the first fence! According to the Nokia manual Menu 11 - Bloothtooth should have submenus to allow setup. But these do not appear! And it is the same on all 3 phones, one of which is a fairly late model.
Even after I have set BT on.

Any ideas please or should I post in computer thread? for better visibilty?

I have posted on the Nokia website- but no (meaningful) answers after about 5 hours.



pmh
Nokia 6310i - pmh
OK solved it! The additional menu items are not a sub menu, to access them you need to turn BT on and then scroll down. The manual (I would say) is less than helpful.



pmh
philips TV/AV question - borasport20
We have an (old, but perfectly adequate, thank you) Philips TV, connected to a Philips freeview box, a philips DVD player and even a philips VCR

when watching anything that is not old fashioned clockwork television (i.e. all the time nowadays) every few minutes the channel indicator flashes 'ext1' in the corner of the screen and it is beginning to irritate.
anybody know of a way to turn it off ?

cheers
philips TV/AV question - Dynamic Dave
The only immediate thing that springs to mind is to disconnect the auto switching wire inside the scart plug to the TV. That being pin 8. From then on you'll have to manually select the AV channel though.

Edited by Dynamic Dave on 21/04/2008 at 13:53

philips TV/AV question - SpamCan61 {P}
I seem to recall our Philips telly at home did the same thing a while back, I'll try and find the instruction book this evening to work out how I stopped it doing it.
one for the spelling buffs! - billy25
During a discussion on "The White Star Line", it was asked why do they spell "Titanic" (Ti-tanic) with one "N", and her sister ship the "Britannic" (Bri -tannic) with two "N's"?

As there are a lot of lexicographers on this site, i thought i'd ask the "experts"!

Billy
one for the spelling buffs! - bathtub tom
Titan and Brittania? Not Britain, but maybe Brittany (definitely not Britney) erm!

Sorry, just re-read OP.

Edited by bathtub tom on 21/04/2008 at 16:30

one for the spelling buffs! - Pugugly
Don't think that there's any good reason for it, its like Wednesday we say Wensday so why the peculiar spelling ?

Britannia has two Ns and never two Ts by the way. Just think of it as an extension to the word Britain which peculiarly enough pre-dates the Saxons as Brythoniad, the celtic predecessors to the Welsh etc.
one for the spelling buffs! - Alby Back
In Scotland, where of course things are more often done properly, the "d" in Wednesday is indeed pronounced. ;-)

Believe it comes originally from the god "Woden"

Edited by shoespy on 21/04/2008 at 17:19

one for the spelling buffs! - Pugugly
You live and learn !
one for the spelling buffs! - Alby Back
Think I got that from a Marvel comic rather than any seat of education if I'm being honest! Freya was another one who loaned her name to Friday I seem to recall. Thor, the god of thunder, gave us Thursday which interestingly enough became Donnerstag in German or literally translated, "day of thunder". I'm boring myself now so I'll go now shall I ? ;-)

Edited by shoespy on 21/04/2008 at 18:00

one for the spelling buffs! - deepwith
Wednesday: The name comes from the Middle English Wednes dei, which is from Old English Wednes dæg, meaning the day of the Germanic god Woden (Wodan) who was a god of the Anglo-Saxons in England until about the 7th century.
;~)


Edited by deepwith on 21/04/2008 at 18:11

one for the spelling buffs! - Lud
Not Brittania bt, Britannia...

It's a completely pointless question of course. Names are spelt as they are and that's all there is to it.
one for the spelling buffs! - daveyjp
Both are words probably made up in the Boardroom of White Star Line, but Titanic is named after Titan (one n) and Britannic is named after Britannia (two ns).

White Star usually chose 'ic' to end the names of their ships.
one for the spelling buffs! - bathtub tom
Two slapped wrists! PU and Lud.
Hangs head in shame.
I'll blame it on the 'man-flu'.
one for the spelling buffs! - billy25
Ah! so it's just a "whim" and not a rule!

That sorts that then! - Thanks chaps!

Billy
Travellers Cheques - a challenge - Dulwich Estate
Who can resist this challenge? Find a non American based supplier of UK Sterling Travellers Cheques.

I would like non American Express Travellers cheques to take to Cuba. I have tried all UK banks, Post Office, M&S and many others and failed. My fingers are worn down on the keyboard and I have no more fingerprints left after looking at websites and the 0845 buttons on my phone are now faded with use too.

I know I can always take cash but don't feel too happy about starting out with a couple of grand in my pocket.

A virtual pint is on offer.


PS Initially we were told we'd get a VW Bora hire car. The actual car hire info which came in the post tells me Skoda Octavia = VW Bora. That suits me just fine.
Travellers Cheques - a challenge - Pugugly
Take Dollars with you, they'll love you for that.
Travellers Cheques - a challenge - Pugugly
Edit:

Lonely Planet say that the worse currency to take is Dollars, they recommend Euros both in cash and TCs

www.lonelyplanet.com/letters/car/cub_pc.htm
Travellers Cheques - a challenge - Mapmaker
Do Thomas Cook still do travellers cheques?
Travellers Cheques - a challenge - billy25
Find a non American based supplier of UK Sterling Travellers Cheques.


Er - does this count?

tinyurl.com/3qve4z

>>What currencies are available in Travellers Cheques?
We can provide Travellers cheques in US Dollars, Euros, Australian Dollars, Canadian Dollars, Swiss Francs, Japanese Yen and Sterling

© Crown Currency Exchange 2005-2007
Crown Currency Exchange Ltd, John Harvey House, Foundry Square, Hayle, Cornwall. TR27 4HH
Company Registration Number: 05167427 MLR Number: 12186030

I think they are a "non-American" based supplier?
Travellers Cheques - a challenge - RobertyBob
Tripadvisor has an interesting article here:-

tinyurl.com/4ddm39

The article mentions 'European dollars'; interesting currency that.

Edited by RobertyBob on 21/04/2008 at 18:14

Travellers Cheques - a challenge - billy25
Missed the "Edit" time for my post above, but just found this in thier FAQ section
>>What type of Travellers Cheques will I receive?
You will receive American Express Travellers Cheques, however we do reserve the right to supply travellers cheques issued by another issuer if we so choose. <<

if by "American based" you meant "issued by American based co's" then my link is of no use to you, however, they state that
>> we do reserve the right to supply travellers cheques issued by another issuer if we so choose. <<

maybe *you* could phone them and "request" a different "issuer"?

Billy

Travellers Cheques - a challenge - billy25
Also - found this site, just a bit of general info about currency and credit card use in Cuba,

tinyurl.com/3ejzgq
Travellers Cheques - a challenge - Dulwich Estate
Thanks for looking.

Thomas Cook seem to use American Express now too. I suppose no-one wants to use these old fashioned cheque things anymore and so it's Amex or don't bother.

20% commission on exchange is not uncommon apparently anyway and it seems a top-up of around 12% is the going rate for using any credit card they choose to accept. What a place!

So it's still looking like £150 down my left sock, £150 down my right one, £150 down my und..........well you get the drift. Maybe a gold bar with an escape map sewn into my trousers too?

Anyway, the good news (! ?) is that from last week ordinary Cubans are allowed to own a mobile phone (if they can afford it) and that electric toasters may not be banned for much longer either.

Now to trundle down to the GP and get some antibiotics - none of those look like being easily available in Cuba either.
Travellers Cheques - a challenge - henry k
>>So it's still looking like £150 down my left sock, £150 down my right one, £150 down my und..........well you get the drift.
>>
>>Anyway, the good news (! ?) is that from last week ordinary Cubans are allowed to own a mobile phone (if they can afford it)

Linking the secret places for transporting goodies and the above good news....
A mobile phone in each location instead of readies may reap a higher reward :-)
Tax on a second job - PoloGirl
Can anyone point me to a site in plain english that will let me calculate whether it's worth taking a part time, second job? Everyone keeps saying to me that it's not worth doing because I'll get taxed a lot, but I would like to work it out for myself... and see whether a completely unconnected second job would affect the tax I currently pay on my subsidised lease car. Complicated!

Tax on a second job - adverse camber
Any of the online Income tax calculators will do the job - does the HMCR self assesment site work at the moment? It would be the definative answer. I think that what people are thinking about is the fact that your main job is getting the benefit of your personal allowances for tax and ni. So your second job will all be taxed. Depending on what you earn it may mean that you get pushed into the higher tax band (unless you already are).
Tax on a second job - Mapmaker
I really don't see how it would change the tax on your car.

I don't know what your total earnings are from your current job, but I guess (even including the taxable value of your car) they are under 41k. You will pay tax at 20% on earnings until you reach 41k, and 40% over that.

You will be subject to NI on your second job, but you may be able to reclaim it. www.hmrc.gov.uk/faqs/nicqc1.htm

(I guess that in being told you will be taxed a lot people are referring to the marginal tax rate. i.e. you will pay 20% or 40% on the whole lot. In your current job you have the benefit of your personal allowance - so if you earn 10k, 5k is tax free and 5k is at 20% so the effective rate is 10%. Realistically you probably earn 25k, so only 5k is tax free, so the effective rate is 16%... 20% isn't much more. This is what is known as progressive taxation. And the only way your car might come into the equation is if people don't understand the idea of marginal rates.)

Edited by Mapmaker on 21/04/2008 at 18:43

Tax on a second job - PoloGirl
I love the way you think you know what I earn Mapmaker! ;-)

snipurl.com/256ct suggests that the higher rate of tax kicks in lower than the £41k you've both quoted. Which is correct?

ETA: Oops, I think I've answered my own question as that refers to 2007/08. Sorry!

Edited by PoloGirl on 21/04/2008 at 19:33

Tax on a second job - jbif
... Everyone keeps saying to me that it's not worth doing because I'll get taxed a lot


I know the type of people you are referring to. They always say "it is not worth earning extra [in overtime] [on gaining a promotion] [in a 2nd job] because you will pay a lot more tax, especially if you go in to the 40% band.
No amount of illustrative calculations changes their mindset.

Tax on a second job - rtj70
Pologirl, You will have no tax allowance for the second job so if you pay tax at 20% and will not cross that threshold then it will be tax@20% + NI on every penny. If this job takes you above the 40% threshold then it's 40% income tax on the portion above the limit.

With the new tax allowance and bands, you earn the first £5435 tax free (allowance on the main job then) and 40% is for above £36k taxable income. So if your total income is above £41435 the second job is taxed at 40% and then there's the National Insurance.

Hope this helps

Rob

EDIT: Realised you have a car (partly) financed by employer so that is taxable. So the 40% band comes in lower, e.g. for me I pay tax on an extra £366pm for a Mazda6 Diesel Sport.

Edited by rtj70 on 21/04/2008 at 23:25

Tax on a second job - rtj70
"No amount of illustrative calculations changes their mindset."

If you pay tax at 40%, pension at 5% and NI above the higher limit at about 1% then for £1000 payrise you will take home an extra £540pa or £45pm. But if on a deferred benefit pension it's not bad and any payrise is worth it.... But for overtime it depends but that's not pensionable and neither is a bonus.

It was sad a few years back to have a 12% bonus and see so little of it :-(
Tax on a second job - Dulwich Estate
" then for £1000 payrise you will take home an extra £540pa or £45pm. "

Here's a cheery thought: spend that £45 per month on 3/4 of a tankful of fuel to maybe go and see your dear old mum and maybe £35+ of that is just tax too.

In summary earn a £1000 pa payrise and have maybe a real £100 to yourself. Then buy a few bottles of spirits with the £100 to drown your sorrows (another £80 in tax?). What's left of your untaxed money, say £20, can be spent on the Congestion Charge when you come to London a couple of times.

Tax - don't you just love it!.
what is cost benefit analysis? - blondiebombshell
sorry for the randomness of this question!

What is cost benefit analysis and why is it used in policy making decisions? What are its limitations and merits?

Thanks for any help in advance!
what is cost benefit analysis? - borasport20
how long have you got ?

how much do you need to know ?

try starting here tinyurl.com/69bfrs
what is cost benefit analysis? - blondiebombshell
enough to answer an exam questions - it is in relation to the food supply chain - the more info the better really! will check out the site you mentioned
what is cost benefit analysis? - jbif
enough to answer an exam questions


Next question for you to ponder: How did "Uni" students manage to write their answers in the old days without the help of the internet and Google?


what is cost benefit analysis? - commerdriver
Next question for you to ponder: How did "Uni" students manage to write their answers
in the old days without the help of the internet and Google?


We had to read funny things called books kept in places called libraries, which were also quiet places for a nap. We then had to use things called pens to write down our answers.
Unless the lecturer had read the particular book you used he didn't know you had copied it so it wasn't all bad. Doing it all in Latin was the hardest part

what is cost benefit analysis? - blondiebombshell
oh is that what that building full of books is for???
All the books of any use are out on loan so i thought i might find someone on here who knew a bit about it - there always seems to be someone on here who knows something about anything
what is cost benefit analysis? - commerdriver
I didn't need the books anymore after I got married as my wife knows everything:-)

I'll get my coat...
what is cost benefit analysis? - L'escargot
What is cost benefit analysis ...........


Hope this helps ~ tinyurl.com/556sk