h1

Football on UK TV at 3pm? Never!

February 15, 2020

It seems perverse to me that in today’s technology and media landscape, with multi-billion pound fees paid for the rights to broadcast live football (soccer, for my transatlantic readers), it’s impossible to watch a live football match on a Saturday at 3pm in the UK unless you’re actually there in the ground, or have privileged access to a TV studio.

Why is there no live football on TV on Saturday afternoons?

The reason is that in the 1960s then Burnley FC chairman Bob Lord convinced other Football League clubs that if live football were available on TV at 3pm on a Saturday – the kick-off time of most football matches at that time – then their fans would stay at home and watch a higher league team on the telly rather than go to the live game. So a law was enacted that prevented the broadcast of any live match between 2:45 and 5:15 on a Saturday. This law is still in place and still observed, even for games being played outside the UK. Pubs in the UK are also unable to stream live matches between those times.

What’s the impact?

This is the reason so many matches are played on Sunday, Monday nights, Tuesday nights, Friday nights and why one Premier League match each Saturday kicks off at 12:30 (currently broadcast live on BT Sport) and another after the blackout at 5:30 (live on Sky Sports).

It’s also the reason that both the BBC and Sky have prime-time TV slots on a Saturday afternoon broadcasting a studio of football pundits all actually watching the live streams of the matches and then recounting to us mortals, who aren’t allowed to see the live action, what’s going on.

BBC football pundits on Final Score

I believe the one thing it does achieve is a substantial audience for the BBC’s Premier League highlights show, Match of the Day, and to a lesser extent the English Football League (EFL) highlights show currently on Quest.

Could it be fixed?

Of course it could. A simple change of the law to repeal this ludicrous rule would enable broadcasters to carry live football on a Saturday afternoon. Would it do what Bob Lord originally suggested and massively reduce attendance at lower league clubs? I don’t believe so, after all when lower league clubs get their matches broadcast live as part of FA Cup coverage, people still go to the games.

Perhaps we could try it as an experiment and revert if Bob Lord’s apocalyptic prediction comes true? But we’ll never know if we don’t try, because this has never been allowed in the UK – the home of football.

Perverse or what?

h1

A new type of telephone scam

November 12, 2018

My landline phone rang showing the number 0345 203040 (which I found out afterwards is Halifax’s customer service number). The lady on the phone with a strong Scottish accent said her name was Angela and that she was calling from Visa about some suspicious transactions on my bank Visa Debit card.

Would I confirm they were mine, and then they’d release them for payment? I asked how I knew she was from Visa. She said she wouldn’t ask me for any account details but didn’t give me any further verification.

She said one transaction was for £400 with Argos, and the other was £700 with Tesco. No, they weren’t mine. I wanted to find out which bank’s card this was (I have several with different banks). She wouldn’t tell me which bank, but asked me to list the banks. Which I did. She picked one and said it was that one.

She was very clever and credible. She knew my name and address. She asked what else I’d used that card for recently, if I’d put it into a cashpoint where it might have been compromised. (Possible but unlikely, I generally use it for contactless transactions). Did I actually have the card? Yes. Had it been damaged? No. What was the current balance? Hmm, I was dubious but I did tell her approximately.

Then she raised my suspicions further by saying she’d now like three pieces of security information, the first being my mobile phone number. I said I’d give her the last four digits, but she wanted the whole number. She said this was to demonstrate their security – she’d call my mobile and the number displayed would match the customer service number on the back of my debit card.

When I pointed out that it’s very easy to spoof any phone number you like on a phone call she hung up.

I presume if I’d been convinced by the phone number spoofing, she’d have gone on to ask for other details like my account number, sort code and so on.

I did call my bank afterwards who confirmed there were no such transactions, and that even in the event of a suspicious transaction on my card it would be them that contacted me, not Visa.

This is a new one on me – so watch out for Angela, or whatever name she uses next time!

h1

Black Friday – let’s leave it to the US

December 1, 2017

So it seems “Black Friday” has come and gone in the UK without it really stirring anything very much. The Daily Telegraph reports that Currys PC World in Oxford Street opened its doors especially early to let in the rampaging hoardes looking for a bargain – and there was one bloke outside who’d dropped by to pick up his pre-ordered laptop!

It’s no surprise to me. In fact I’m rather pleased that this particular US import isn’t getting much traction over here.

And nor should it.

Picture from The Sun of shoppers fighting over a flat-screen TV

The reason for “black Friday” is that this is how it was referred to by US retailers. The day in question is the Friday after Thanksgiving – which always falls on the last Thursday in November. For many of my American friends Thanksgiving, or “turkey day” as it’s colloquially known, is a much bigger family event than Christmas. The problem for US retailers was that after a day of scoffing Turkey and convivial drinking with their loved ones, most folks booked the Friday as vacation and slept in the next morning. So retailers didn’t sell very much on that particular Friday morning.

Hence it became known as “Black Friday”. Then some bright spark thought of the idea of having a discount sale, but one that ended at midday. So to get the great prices you had to get out of bed and go buy that TV, bike, carpet or whatever else, before lunchtime. I’ve been there on that day (in Boston, MA), and done it. And it’s quite fun, but a lot of people end up buying a lot of stuff they didn’t really want or need just because it was cheap, and the offer was time-limited.

That was it. And of course the UK doesn’t celebrate Thanksgiving, we didn’t have the dip in retail sales on that day, and “black Friday” meant nothing to us.

But the world’s moved on. We can now shop on the internet, so Americans can still sleep in and snap up those bargains without even getting out of bed. And, of course, anyone else in the world with an internet connection can shop from those US retailers. And, with US retailers owning UK chains (IIRC it was Asda, which is owned by WalMart, which originally introduced the concept of Black Friday to the UK some years ago) Black Friday has metamorphosed from a once-a-year, Friday-morning only sale in the USA, to a whole week of discount offers across half the globe.

I’m delighted to see that Marks & Spencer, Fat Face and several other major UK retailers are spurning the Black Friday farce – I believe they’re right when they say all it does is bring higher-price sales during December forward, and reduces the margin on them. It also encourages people to buy stuff they don’t really need. Time magazine suggests that in the US return rate of goods bought on Black Friday is significantly higher than for goods bought at other times of the year. It’s especially so for technology purchases. So the admin and restocking cost for the retailer is higher.

Please Britain, remember Thanksgiving isn’t something we celebrate, so let’s abandon this unnecessary US import.

h1

Whoops, no head-up display!

September 2, 2017

In an idle moment recently (I don’t get many of those at the moment) I was scrolling through Honest John’s car advice in the Daily Telegraph. I found this one:

This struck a chord with me, because I’ve just bought a pair of Polarised sunglasses to eliminate reflected glare from the inside of my car windscreen – which can be a major problem if the sun’s in front of me and shining directly onto the top of the dashboard.

So, some basic physics. When light is reflected off a surface, most of the light that’s vibrating parallel to the surface is reflected, while most of the light that’s vibrating at other angles is absorbed or diffused. This means the reflected light is mostly vibrating in one direction – this is what “polarised” light means. Reflections from the inside of a car windscreen will be horizontally polarised.

Polarised glasses are designed to eliminate horizontally polarised light because it’s horizontally polarised light which reflects from surfaces such as roads, puddles and lakes, tables and so on. That’s why I bought my new glasses – to eliminate the reflection from the inside of the windscreen when driving towards the sun.

Head-up displays work by projecting the display upwards so that it reflects off the inside of the windscreen – as shown above.

If you wear Polarised glasses, these will cut out any light reflected from the inside of the windscreen, however it got there, so you will not be able to see a head-up display. Reactolite glasses aren’t polarised, they just darken the lenses, so the display will still be visible.

Obvious really, Honest John!

h1

It’s about branding, stupid. (In defence of Nurofen.)

July 25, 2017

This is a post I wrote a while ago about branding and ibuprofen. For some reason I didn’t post it. But having just written a post about migraines, and mentioned ibuprofen lysine, I thought this was appropriate, so I’m posting it now.

The press in the UK prominently featured a judicial ruling in Australia against Reckitt Benckiser (one example) – the UK-based manufacturer of Nurofen. Nurofen’s a brand name for ibuprofen – an anti-inflammatory drug generally known as a NSAID.

Generic ibuprofen is available in the UK for as little as 16p a pack of 200mg tablets (1p per tablet).

However branded Nurofen is more expensive. That’s known as “branding” by marketers. Branding is a normal way of trying to maintain a price premium in a commodity market. And Nurofen has (or had) a very good brand reputation in the UK – but if what you want is generic ibuprofen, you can buy that more cheaply.

But generic ibuprofen, the active ingredient in standard Nurofen, isn’t very soluble, so it takes a little while to work its way into the bloodstream. There is a compound of ibuprofen that will provide faster pain relief: ibuprofen lysine. It’s highly soluble and therefore enters the bloodstream very quickly. It’s marketed by Boots (for example) as Rapid Ibuprofen. Reckitt Benckiser markets it as Nurofen Express which is more expensive than the Boots’ version, but it’s the same stuff. It’s NOT the same as generic ibuprofen – it contains an equivalent dose, but it starts to work more quickly.

ibuprofenlysineSo what’s everyone getting upset about?

First, much of the press – including the Daily Mail linked to above – is confusing generic ibuprofen and ibuprofen lysine. Although they contain equivalent doses, they are different and you would normally expect there to be a price differential. If you don’t care how long the drugs take to work – for example you’re using this drug to reduce swelling and don’t need immediate relief, then buy the cheapest generic. If you have a migraine and want your pain relief as fast as possible then you can pay more for a faster acting version of the drug.

nurofen_migraine_pain_342mg_-_12_capletsBut beyond this, the marketing guys at Reckitt Benckiser have been creating different packages for Nurofen Express and branding it as Nurofen Migraine Pain, Nurofen Period Pain and other variants. The press is getting excited because these are all the same drug in different guises. It’s true that the packaging conveys the impression that the contents are formulated to specifically target different types of pain. However if you read the details and compare the packages to one another it’s clear that each of them contains the same dose of ibuprofen lysine.

So are they trying to fool the public? I don’t think so. Let me try to explain.

In my past I’ve done some work in retail marketing. Retail packaging is all designed to sell your product, so there are three things you design your packaging to do:

  1. Be more attractive to potential customers than the competition – target your market segment
  2. Occupy more shelf space than the competition
  3. Describe the product (complying with relevant legislation)

So by labelling a package “Migraine Pain”, for example, the vendor makes it more attractive to someone suffering with a migraine who’s looking for fast relief from the pain. If they’ve got an excruciating headache they’re unlikely to read the packaging, or the leaflet inside, to see if something generically labelled as “Ibuprofen Express” is actually useful for migraine pain. They’ll simply pick up the one with “Migraine” in big letters on the package. This means Nurofen Migraine Pain is likely to sell in greater quantities to migraine sufferers than Nurofen Express even though it’s the same stuff.

Secondly, if the vendor manufactures multiple packages each for a different market segment (migraine sufferers, period pain sufferers and tennis elbow sufferers, for example) and each of those packages occupies a slot on the retail shelf then they’re denying that space to their competition – so increasing their sales and reducing those of their competitors.

This is an entirely normal retail sales strategy and you see it everywhere. Remember there were different covers printed for the Harry Potter novels – one aimed at adults and a different one at children? Same strategy – segment the market, take up more retail space, increase sales volume.

Is this a problem for the customer?

I don’t think so. Be an informed customer. If you want to know what’s in the packet, read the blurb on the back before you make your buying decision. Buying Nurofen Migraine Pain rather than Ibuprofen Express is no different from buying your electricity without checking to see if there’s a better deal from another supplier, or complaining that the adult version of Harry Potter and the Goblet of Fire is the same as the children’s version.

As a nation we’re getting a bit more savvy about knowing what we’re buying, both in retail and online, but we can still be influenced by imaginative marketing.

Read the packet!

h1

The weirdest migraine

July 25, 2017

I’ve been suffering from the occasional migraine for some years. My migraines are very consistent and are known as ocular migraines, or migraines with aura. They start with a spot in the centre of my vision. As soon as this happens I know I’m going to get a migraine and I know that the pain will follow in about 20 minutes. (I found this page from the Mayo Clinic informative.)

Either my wife or I generally carry ibuprofen lysine (aka Ibuprofen Express), which is a more soluble, and therefore quicker-acting form of ibuprofen than the regular medication. If I take this immediately the aura starts then I can generally avoid, or at least massively reduce, the pain of the subsequent headache.

When this happens I generally take myself off to bed, or a darkened room.

ocular-migranie-images-300x153The progress is always the same, the spot expands, it becomes a jagged bright diagonal line and I lose up to half my visual field. Which side I lose depends on which side I’m getting the migraine, so if my right visual field disappears then it’s a left-sided migraine and that’s where the pain occurs. The image above is very similar to my experience. This is from a website on Ocular Migraines. Very occasionally I get the same effect on the other side.

After about 30 minutes my vision returns (the jagged line slowly rises up my visual field and out of view) and if I haven’t taken the pain killers, that’s when I get the pain, for a couple of hours. Following that, and for as much as the next two days, my head feels bruised – as if someone’s hit me on the back of the head with something hard.

There’s no particular food, drink or activity that I’ve noticed that triggers one of my migraines. It could happen at home in front of the television, or travelling, or sitting reading. I am aware that a bright polarised light such as sunlight reflected off a shiny surface such as a wet road, a table or a body of water can bring one on though. I try to avoid those situations.

Yesterday was different though.

We were in the car on our way to supper with some close friends when I noticed the first visual disturbance. We stopped and I took the ibuprofen. We contemplated turning back, but ultimately decided to press on. By the time we arrived, I’d lost the right-hand half of my visual field. We explained the situation to our friends, reassured them I’d be ok in a while, and I had a cold (non-alcoholic) drink.

Never before have I tried taking part in a normal conversation during a migraine attack. It was quite bizarre. I’d lost much of my vocabulary, and actually found speaking very hard. When I did speak, I wasn’t making any sense (either to me, or to anyone else). I knew what I wanted to say, but not only could I not find the right words, I wasn’t pronouncing the words I could find properly or in the right order! This isn’t something I’d ever noticed before, but the websites about ocular migraines mention that speech may be disturbed.

After an hour or so, during the lovely meal, I became more coherent. I carefully avoided the classic migraine foods of cheese, coffee, chocolate and alcohol. By the time we left for home I was feeling much more like myself. Just a little bruised and fragile. And because I was the one who hadn’t drunk anything, I drove.

Life returned to (relatively) normal. A most unusual experience. (And yes, I have consulted my doctor in the past, I’ve had an MRI scan of my head, and we’ve ruled out strokes, TIAs and other possible serious causes, so I just have to live with the migraines and keep taking the ibuprofen lysine.)

 

h1

Is a “Curve” card worth trying?

April 10, 2017

I’ve been reading about the Curve card.

From what I can work out, it’s a MasterCard prepay card that, instead of you topping it up with credit, provides a “token” when you use it for a transaction which links the transaction back to Curve. The transaction can then be re-charged to any of the cards (credit or debit) with which you’ve linked it.

A beta Curve card

It’s multi-currency, and will give you a decent exchange rate (MasterCard rate + 1%) without commission on foreign currency transactions.

One of their big claims is that you can use it to pay with your Amex card (and get loyalty points) anywhere that takes MasterCard – which is more places than take Amex at the moment.

They also suggest this is a way of reducing the number of cards you have to carry to one. Indeed Ted Truscott has written a review after using Curve for a week where he suggests this is now the only card he carries.

But I’m skeptical.

First, from what I can see from Curve’s FAQs by using Curve you compromise your consumer rights: if you use a credit card directly to buy something then the transaction is between you and the credit card company, and your final recourse in the event of a problem is to the credit card company as the vendor. The same protection doesn’t apply to debit cards – they’re essentially the same as paying with cash. And using Curve give you the same consumer protection as using a debit card:

“using Curve is not a direct purchase from the user’s original card, so the purchases are not covered by Section 75 of the Consumer Credit Act”

Second, I’m concerned that putting all your cards on Curve gives you a single point of failure: while your individual card details will be concealed, if the Curve card, the privacy of your app, or the token the card uses, becomes compromised surely all your cards are at risk?

Third, if I were to use a Curve card, and put all my debit and credit cards on it, I would reduce the number of those in my wallet from four to one. And I could carry my Euro debit card which I normally only have with me when I’m travelling. But I also have loyalty cards, membership cards and my driving license to carry: I couldn’t stop carrying my wallet – I’d merely have six cards in it instead of nine.

And fourth, I already have a MasterCard that gives me low-cost, commission free foreign exchange purchases.

So for me, the only real benefit would be that I could use my Amex card in a few more places. But I already have a MasterCard, so I can still buy stuff in those places – and get consumer protection on the purchase which I wouldn’t get if I used Curve (or the Amex alone, as it happens, since it’s a charge card).

So, while I’m tempted to try it – it’s new technology (and I’m a sucker for that), I’m not quite tempted enough to actually part with the joining fee yet.

I’ll be keeping an eye on its development…