Wymsey Posted 20 June 2015 Posted 20 June 2015 It's the 'royalty' fees (to Sony, etc) that probably cause the cost to be big the most.
Webbo Posted 20 June 2015 Posted 20 June 2015 Anarchy isn't really taboo it's just misused by most, including a lot of people claiming to be anarchists. The word anarchy is often used erroneously as a synonym for moral nihilism. I often think anarchy is quite right wing. No govt, people looking after themselves. Totally unworkable though.
Finnegan Posted 20 June 2015 Posted 20 June 2015 Anarchy isn't particularly left or right wing. If you use a horse shoe model it'd sit on the far, far left. In terms of social politics (attitudes towards sex, gender, race, religion, etc) it's fairly open to deviation. You could be white supremacist anarchist who refused to assist anyone with a disability or a cuddly hippy anarchist that loved everyone. It's basically a philosophy concerned predominantly with its place on the scale of authoritarianism, in which it ranks at the complete opposite end to communism, yes. That's why straight left/right political models are so restrictive. I mean libertarians (awful people) are basically so liberal and so committed to personal "freedoms" that they become inherently ultra capitalist / fiscally right wing by default.
orangecity23 Posted 20 June 2015 Posted 20 June 2015 2 finger Kit Kat - 15p 4 finger Kit Kat - 25p In my mind, their worth has been stuck at the same value since 1998.
The People's Hero Posted 20 June 2015 Posted 20 June 2015 Car insurance should be cheaper!! £20 a month or something Why not source some capital and set up an insurance company and charge that ?
separator Posted 20 June 2015 Posted 20 June 2015 By the way the correct answer is train journeys, fvcking scandalous. Should be £20 London to Leicester. If you buy in advance you get it cheaper than that, I pay between £14-£17 for a peak time train to London a couple of weeks in advance. Admittedly paying on the day is a massive rip off.
Rincewind Posted 20 June 2015 Posted 20 June 2015 I booked for a few days away in August. £17 return to Sheffield and £3.50 each for two singles to and from York. This with a Senior railcard though so would be a little more for you spring chickens.
Stadt Posted 21 June 2015 Posted 21 June 2015 If there's one thing you can guarantee on foxestalk it's that if somebody posts about car insurance TPH will come in and tell them they're wrong.
The People's Hero Posted 21 June 2015 Posted 21 June 2015 If there's one thing you can guarantee on foxestalk it's that if somebody posts about car insurance TPH will come in and tell them they're wrong.Didn't tell him he was wrong. Just wondering why if insurance companies should be charging twenty pounds a month, which many people feel is a fair price, why has no one ever set up and done it? You don't even need to arrange your own capital. If you can prove an account could make money at those rates (!!!!) (risk selection would undoubtedly rule out all those under 30 years of age who routinely whinge about premiums) when just set up an MGA or wholesale broker and get a scheme to do so. It's not even your own capacity, but you can make up front commission and a profit commission. He could seriously be on to something. It's genius. Take a product which currently makes quite a large underwriting loss and charge much less for it! It can't fail. One suspects it might not get the chance !Bet you're all the same people who get whiplash from every little knock too.
Rincewind Posted 21 June 2015 Posted 21 June 2015 The other year when my brother was renewing his car insurance he said to the bloke on the phone 'I have a figure written down, go away speak to your supervisor and when you come back if your quote is more than my figure I will hang up and go elsewhere'. The offer was a lot lower so he accepted.
The People's Hero Posted 21 June 2015 Posted 21 June 2015 Apologies to Facecloth for ripping off his comment and using it as a thread, but What price would you put on certain things based on what you think they're worth? For example, Karcher pressure washer, (random), £35 and no more. Not £170. Taxi from City centre to LFE (Braunstone X roads), £5, not £9-bloody-50. McDonalds cheeseburger, they should be paying me... Where do you buy your pressure washers? If the prices you list really are the going prices and you see it as an inflated market/scam/easy money, you could get involved. Getting involved in pressure washer manufacture/sales or becoming a taxi driver? Something that should cost more conversely is getting your car cleaned. I had mine done yesterday. 8 different fellas worked on it. It was filthy. Not just a quick wash. There were leaves, tree sap etc all over it. Got an excellent car wash and as I had a bit of time spare they even waxed it ( properly). Nothing internal but did do all the sills and boot and whacked in an air freshener. All for a fiver. Ordinarily you don't get the wax, but still - a fiver.
Stadt Posted 21 June 2015 Posted 21 June 2015 Didn't tell him he was wrong. Just wondering why if insurance companies should be charging twenty pounds a month, which many people feel is a fair price, why has no one ever set up and done it? You don't even need to arrange your own capital. If you can prove an account could make money at those rates (!!!!) (risk selection would undoubtedly rule out all those under 30 years of age who routinely whinge about premiums) when just set up an MGA or wholesale broker and get a scheme to do so. It's not even your own capacity, but you can make up front commission and a profit commission. He could seriously be on to something. It's genius. Take a product which currently makes quite a large underwriting loss and charge much less for it! It can't fail. One suspects it might not get the chance ! Bet you're all the same people who get whiplash from every little knock too. The whole point of the thread isn't to understand why it's not possible to charge £20 a month for car insurance
The People's Hero Posted 21 June 2015 Posted 21 June 2015 The other year when my brother was renewing his car insurance he said to the bloke on the phone 'I have a figure written down, go away speak to your supervisor and when you come back if your quote is more than my figure I will hang up and go elsewhere'. The offer was a lot lower so he accepted. Yeah it's pretty much a race to the bottom in terms of premium, all the while the cost of overheads, staff costs, claim costs ( including personal injury claims and the inflated repair costs since insureds can rightly insist on main dealer work which then have delays hence courtesy car losses). Let me know when this twenty pounds a month product launches though. I have an s max titanium x and AMG A class which are coming up for renewal shortly. 30+ years old and 10 years ish no claims. Deal? Why do people think it's too expensive ? Is it because they genuinely believe it could be provided cheaper or is it because it's a mandatory purchase and they feel it's a massive scam and a better system would be to allow people to drive around uninsured?
The People's Hero Posted 21 June 2015 Posted 21 June 2015 The whole point of the thread isn't to understand why it's not possible to charge £20 a month for car insurance It is very possible to do exactly that and many now defunct insurers have tried similarly stupid things across a great number of classes and products. The ones who remain in business don't seem to do it for all but the very best risks in terms of their risk profile and claims experience. I don't have any involvement in motor insurance. I just find the ignorance on display to be of such magnitude that as a non-idiot I feel a sense of duty in getting involved. Perhaps I should just leave you all to it!
Captain... Posted 21 June 2015 Posted 21 June 2015 If you buy in advance you get it cheaper than that, I pay between £14-£17 for a peak time train to London a couple of weeks in advance. Admittedly paying on the day is a massive rip off. it's the whole pricing structure of trains that pisses me right off. 1 way to London to Leicester is £56 super off peak a return is £57 the only reason is to rip off people going one way, why? What reason is there other than to rip off people with no other option. I also hate the whole advance purchase bollocks, why should someone who has paid significantly less get a better service, ie a reserved seat at no extra cost. Yet when I am paying £56 to go home in an emergency I don't even get an option of reserving a seat despite paying twice as much. In what way does booking in advance benefit the train company so much they can charge a fraction of the price. It is just taking advantage of those without a choice and using these cheap fairs to advertise London to Leicester from £13. Don't get me wrong I take advantage of every early booking I can, i have a 2 together railcard, and pay as little as possible but life doesn't always fit into the train schedule and you need to be flexible without it costing an arm and a leg. The pricing policy is scandalous.
Jimothy Posted 21 June 2015 Posted 21 June 2015 I work in the accounts department of a company that provides some bus services around Leicestershire. I know we could never provide bus fares at the prices some people in this thread have demanded. But do I pipe up and start belittling people, calling them idiots, telling them to set up their own bus company providing this etc? No of course not. Because that not what this thread is about, and you have to be a massive twat to start doing that. This thread is clearly for people to express the worth of things in their lives, not for people to argue economics or people to argue the practicalities of providing those prices. It was clearly meant to be lighthearted, but as usual the one thing you really can be sure of on FT that even the most lighthearted thread will bring out some dickhead within a couple of pages turning it into either a serious discussion or a slanging match.
The People's Hero Posted 21 June 2015 Posted 21 June 2015 There are none so blind as those who don't want to see. For those who want to know, read my posts. For those happier living in ignorance, stick me on ignore.
Rincewind Posted 21 June 2015 Posted 21 June 2015 it's the whole pricing structure of trains that pisses me right off. 1 way to London to Leicester is £56 super off peak a return is £57 the only reason is to rip off people going one way, why? What reason is there other than to rip off people with no other option. I also hate the whole advance purchase bollocks, why should someone who has paid significantly less get a better service, ie a reserved seat at no extra cost. Yet when I am paying £56 to go home in an emergency I don't even get an option of reserving a seat despite paying twice as much. In what way does booking in advance benefit the train company so much they can charge a fraction of the price. It is just taking advantage of those without a choice and using these cheap fairs to advertise London to Leicester from £13. Don't get me wrong I take advantage of every early booking I can, i have a 2 together railcard, and pay as little as possible but life doesn't always fit into the train schedule and you need to be flexible without it costing an arm and a leg. The pricing policy is scandalous. Yes. Somewhat agree. I went Nottingham Friday and coming back the train was pretty full. I sat in a reserved seat but it was reserved from Leicester The one I am using in August is reserved but I bet somebody will be using them.The first search I did came up with £35 total return t York. But a mate also searched and it is now around £25 with splitting tickets. I agree tickets to London are a rip off. Maybe because they know that people often commute to London so make up for reduced fairs elsewhere by charging more. I dislike prebooking myself as I would like to do things on impulse. I have no family ties so can pack a bag anytime and bugger off for a few days but prices on the day put me off.
The Blur Posted 21 June 2015 Posted 21 June 2015 it's the whole pricing structure of trains that pisses me right off. 1 way to London to Leicester is £56 super off peak a return is £57 the only reason is to rip off people going one way, why? What reason is there other than to rip off people with no other option. I also hate the whole advance purchase bollocks, why should someone who has paid significantly less get a better service, ie a reserved seat at no extra cost. Yet when I am paying £56 to go home in an emergency I don't even get an option of reserving a seat despite paying twice as much. In what way does booking in advance benefit the train company so much they can charge a fraction of the price. It is just taking advantage of those without a choice and using these cheap fairs to advertise London to Leicester from £13. Don't get me wrong I take advantage of every early booking I can, i have a 2 together railcard, and pay as little as possible but life doesn't always fit into the train schedule and you need to be flexible without it costing an arm and a leg. The pricing policy is scandalous. As Rincewind has already mentioned, I read an article somewhere about pricing of trains and it said that train companies do push prices up to make up for losses on their less populated routes but I do wonder whether if it should be opposite- drive down prices on popular routes to attract more travellers and push up prices on less populated routes but on other hand it will make these routes even more less populated.
Stadt Posted 21 June 2015 Posted 21 June 2015 It is very possible to do exactly that and many now defunct insurers have tried similarly stupid things across a great number of classes and products. The ones who remain in business don't seem to do it for all but the very best risks in terms of their risk profile and claims experience. I don't have any involvement in motor insurance. I just find the ignorance on display to be of such magnitude that as a non-idiot I feel a sense of duty in getting involved. Perhaps I should just leave you all to it! Christ man, it's not a serious thread, a world where we pay what we like isn't going to happen, we all know this, you don't need to tell everybody why.I said ps4 games shouldn't cost £50, but they probably need to charge that to cover the development, research, wages, manufacturing, advertisement and distribution as well as turning a healthy profit to continue to develop, but that's not the point of the thread.
The People's Hero Posted 21 June 2015 Posted 21 June 2015 It would be great for the consumer in terms of short term gain, sure but a lot of companies just wouldn't bother producing goods or services in that environment. I think I'll just leave you all to it, perhaps with the final suggestion that maybe computers/smartphones and Internet access should be more expensive?
The Year Of The Fox Posted 21 June 2015 Posted 21 June 2015 Car insurance should be cheaper!! £20 a month or something Mines now £15 pm
Parafox Posted 21 June 2015 Author Posted 21 June 2015 He meant the future is everyone for themselves, sod everyone else. That's literally the only alternative to socialism. Isn't that exactly your political viewpoint?
Guest Papasmurf Posted 21 June 2015 Posted 21 June 2015 Didn't tell him he was wrong. Just wondering why if insurance companies should be charging twenty pounds a month, which many people feel is a fair price, why has no one ever set up and done it? You don't even need to arrange your own capital. If you can prove an account could make money at those rates (!!!!) (risk selection would undoubtedly rule out all those under 30 years of age who routinely whinge about premiums) when just set up an MGA or wholesale broker and get a scheme to do so. It's not even your own capacity, but you can make up front commission and a profit commission. He could seriously be on to something. It's genius. Take a product which currently makes quite a large underwriting loss and charge much less for it! It can't fail. One suspects it might not get the chance ! Bet you're all the same people who get whiplash from every little knock too. They won't be getting capacity from me.
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