Money
Simple broadband mistake costing 9.5million households up to £113 extra a year – trim your costs
MILLIONS of households across the UK are overpaying for their broadband due to a common mistake.
New research carried out by Go Compare has found that 9.5 million households are paying for higher broadband speeds than necessary.
The majority of Brits spend between £25 and £29 per month on broadband for top-end broadband speeds, the price comparison site’s survey found.
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Just over a third or 34% of these users are overpaying on their packages with around £53 million collectively spent each month on unused broadband speeds.
This translates to a jaw-dropping £637 million over the course of a year.
The comparison site says that those who overpay spend an average of £5.58 per month more than they need to on their broadband.
read more on household bills
This means £66.96 is wasted over 12 months – enough to cover a streamer’s standard Netflix subscription for a year.
Smaller households typically end up overpaying the most as they are more likely to only need speeds of up to 15Mpbs but only 4% of this group actually pay for such speeds.
One in 10 of these users told Go Compare that they pay for some of the fastest speeds at over 150Mbps – despite the slowest speeds being enough for their usage.
As a result, they overspend by £9 per month, equating to £113 being wasted every year.
NEED FOR SPEED
So how do you know what broadband speed is right for you?
For smaller households with just one or two people who have simple web browsing needs, basic internet usage is required at between 10 and 15Mbps.
Small households that work from home and regularly stream content will require slightly higher broadband speeds at between 15 and 50 Mbps.
Gamers who want a glitch-free, 4K video streaming experience and who live in small households will need 50 to 100Mbps.
Meanwhile, larger households with multiple users such as a family of four, student accommodation, or places with excessive web users, will need over 100Mbps.
COST-CUTTING TIPS
Once you know the speed needed, there are two cost-cutting hacks to help you get the best deal.
Check for social tariffs
SOCIAL tariffs are available to households on certain benefits, and usually cost substantially less than a firm’s standard broadband packages.
They’re often available to those on Universal Credit, income support or disability allowance.
Providers offer packages with different speeds and prices, and not all are available across the UK.
Prices range from £12 to £25 a month.
Around 4.2million households are eligible for these cheaper tariffs, but only 55,000 are making use of them.
How you apply for a social tariff varies depending on which supplier you sign up with.
It’s important to shop around when you’re looking for a new broadband deal, as other internet packages could be more suited to your needs.
The regulator, Ofcom, has a list on its website of all the social tariffs currently on offer.
Visit www.ofcom.org.uk/phones-telecoms-and-internet/advice-for-consumers/costs-and-billing/social-tariffs#full-list-of-available-tariffs to view the full list.
It is also worth comparing deals on sites such as MoneySupermarket and GoCompare to find the best deal for your budget.
And be aware that if you’re already mid-way through a contract, you might have to pay an exit fee to leave your contract early.
First, you will need to hunt around for the best deals available which can be easily done on price comparison sites like Go Compare, MoneySuperMarket and Uswitch.
Here you can customise your search based on your desired broadband speed, provider and price.
This is when the second cost-cutting hack could come in.
Based on the results of your comparison search, if there is a good deal but it is with another provider, you can try and haggle a deal with your current broadband company.
They might be able to match, or even beat, the deals you’ve seen elsewhere.
You can still make significant savings by renewing your contract rather than accepting the tariff you’re given after your deal.
Knowing what other offers are on the market can help you to make a case for yourself to your provider.
Remember, by spending as little as five minutes on the phone to your provider you could save hundreds of pounds.
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Money
Lidl’s Coca-Cola truck rival to hit roads in HOURS – giving away free ‘mystery boxes’ with middle aisle must-haves
IN just a few hours Lidl’s version of the Coca-Cola truck takes to the roads to spread festive joy and give away free gifts.
The discount retailer launched its rival to the iconic red Christmas truck this year for the very first time.
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Lidl‘s Freeway cola truck will begin its tour of Great Britain on Thursday.
The festive tour will see the truck visit nine different cities until December 1.
Tomorrow, the lit-up red lorry will pull into Dundee and the fun will begin at midday, ending at 6 pm.
The timings stay the same for all locations.
People who are lucky enough to spot the red truck will find that 2,000 mystery present boxes will be given out.
Each box contains several items from Lidl’s famous “middle aisle.”
However, it is on a first-come-first-serve basis so you must hurry to grab one.
As an extra treat, Lidl has ensured that one in 10 of the boxes contains a “Golden Ticket” as well as the middle aisle freebies.
This ticket will be a coupon worth £100 that can be redeemed on the Lidl Plus app.
Visitors will also find that Lidl will be handing out festive food and even granting wishes.
The supermarket chain said visitors to the truck can also make a “wish” for something they want this Christmas, with the retailer granting a number of them.
The full list of locations the truck will visit, and the dates it will arrive there are as follows:
- Dundee – November 14
- Harrogate – November 16
- Hull – November 17
- Nottingham – November 21
- Wolverhampton – November 23
- Wrexham – November 24
- Luton – November 28
- Bournemouth – November 30
- Southampton – December 1
As Lidl hopes to “highlight the magic of giving, sharing and wish-making this Christmas with a pop-up wonderland at each stop,” Coca-Cola has also detailed some of the plans for its truck this year.
Why is the Coca-Cola truck famous?
The Coca-Cola Christmas truck was first seen in the brand’s hugely popular 1995 advert.
At the time they were known as Christmas Caravans and were decorated with images of the Coca‑Cola Santa by artist Haddon Sundblom.
The 60-second clip features the now-iconic Holidays Are Coming song, which is still synonymous with Coca-Cola to this day.
The truck began touring the US in 2001 but didn’t start visiting the UK until 2010.
The drinks company confirmed the return of the iconic truck last week promising that the tour this year will be “bigger and better than ever.”
Visitors will be able to take part in festive games and a lucky dip which will give them the chance to win exclusive Coca-Cola merchandise.
A food truck will serve up seasonal food and ice-cold Coca-Cola Zero Sugar drinks.
The exact dates and locations have not yet been released as Coca-Cola urges fans to keep their eyes out for updates on its Instagram and X pages.
Last year, the truck visited some of the UK’s most major cities including Glasgow, Edinburgh, Liverpool and Manchester.
It started on November 23 and ended on December 3, so the wait should not be too long.
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Warren Buffett Breaks 6-Year Streak Of Berkshire Hathaway Stock Buybacks, Say ‘It’s Too Expensive’
Berkshire Hathaway CEO Warren Buffett recently ended a six-year streak of stock buybacks for the company. While the company regularly participates in stock buybacks, it did not do so during the third quarter, according to Securities and Exchange Commission filings.
Despite having over $325 billion in cash reserves, Buffett opted not to use that cash to buy back shares, suggesting that he believes the stock is too expensive.
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Buffett’s approach to stock buybacks is straightforward: he only buys back shares when he considers them a “bargain.” According to Berkshire Hathaway’s regulatory filings, he looks for a stock price below the company’s intrinsic value – a conservative measure considering the long-term worth of Berkshire’s assets. Analysts believe the absence of buybacks sends a clear message to the market: Berkshire’s stock is overvalued at its current price.
Berkshire Hathaway‘s Class A shares are trading around 1.6 times their book value, representing the company’s assets once debts are subtracted. In the past, Berkshire has avoided buybacks when the stock traded above 1.2 times its book value, but that guideline was dropped in 2018.
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Buffett’s conservative investment philosophy remains firm even with a more flexible policy. Robert Korajczyk, a finance professor at Northwestern’s Kellogg School of Management, explained to CNN, “He’s been very clear that they would never buy back shares if they thought that the firm was overvalued.”
In addition to ending its buyback streak, Berkshire increased its already significant cash holdings by selling stocks in the third quarter. Some analysts took this as a cautionary move due to concerns about the current market environment.
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NYU Stern School of Business professor Aswath Damodaran told CNN that Buffett’s decision to hold cash suggests Berkshire is taking a conservative stance, likely due to high stock prices. “It’s a signal that they feel cautious about where the market is,” Damodaran said. “They’ve become cautious because they think the market is richly priced.”
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