Random Irritations

I’ve recently had my 2 yearly eye test at Specsavers, I am very short sighted, so I need thin varifocal lenses, so it is never going to be cheap.

Now this year, I have the beginnings of cataracts, so I now need Reaco-lites.

Price for 1 pair of specs £550
Bleeding heck 😳
Try Asda Opticians. I’ve been using them for several years, much better pricing structure.
 
Are the oil companies are really gouging us?

Don’t forget who earns most for every £ spent at the pump…

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I think it's the current narrative becuse they price at the pumps has increased when the current stocks bought at previous prices are still present. I was just putting it into context with the banks, which I am aware they plan ahead, run their interest rates relative to the BoE base rates which as yet haven't changed.
I also understand that oil companies shares provide income for pension companies and I also understand the Government needs money to pay for things they choose to do, whether we agree with them or not.
 
I think it's the current narrative becuse they price at the pumps has increased when the current stocks bought at previous prices are still present. I was just putting it into context with the banks, which I am aware they plan ahead, run their interest rates relative to the BoE base rates which as yet haven't changed.
I also understand that oil companies shares provide income for pension companies and I also understand the Government needs money to pay for things they choose to do, whether we agree with them or not.

BoE base rate is just one of multiple factors that influence mortgage rates.
 
Of course they are, but mortgage rates always change when the base rates change, usually with more lag when the rate has been dropped.
I am just trying to give a little balance to the gouging arguement, nothing more :)

They don’t though. Rates change multiple times a year. The changes are usually small and, back to my original point, are generally only noticed when a re-mortgage or new mortgage is required. People don’t generally watch the mortgage market on a weekly or monthly basis if they are in a deal already. Fuel prices affect us more frequently and so become more focussed in our minds.

I understand you are trying to give balance, but the two issues are not analogous enough.

For context, I worked with a client that is a large UK mortgage provider during 2019. Base rate was 0.75 for the entire duration of our project but the rates of 6 core products changed 11 times. They swung from a low of 1.99% to a high of 2.29% in that period (with a baseline rate of 2.09%) I am currently working with a mortgage provider client that has removed some products (deemed risky) but have not yet changed remaining product rates.
 
I’ve recently had my 2 yearly eye test at Specsavers, I am very short sighted, so I need thin varifocal lenses, so it is never going to be cheap.

Now this year, I have the beginnings of cataracts, so I now need Reaco-lites.

Price for 1 pair of specs £550
Bleeding heck 😳
You can go elsewhere now. I've recently found a fabulous dispensing opticians. Better choice of frames and their service is wonderful.
 
Thankfully yes, but there may well be a long wait.

A decent optician will advise you on referral for NHS cataract surgery which providers have the shortest wait. Most NHS regions will then contact you offering a number of options as to where to go and, bingo, you tell them the place recommended by your optician.

I had both my cataracts sorted within a few weeks of the referrals.
 
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