Research by Which? into the fastest smartphones on the market came up with a shocking result. The iPhone 5 was revealed to be the slowest of the five tested.
So why was it so slow, and if this is the case, why is it the best-selling of the phones tested?
The study, reported on the Tech Daily blog, was designed to find which phone had the fastest processing speed. It pitched seven of the best-selling phones against each other, using a test known as Geekbench 2.
Which? says this measures processor and memory performance across smartphone platforms, to produce a single speed rating.
The winner, by quite some margin was the Samsung Galaxy S4, followed by the HTC One.The final positions were:
1. Samsung Galaxy S4
2. HTC One
3. Sony Xperia Z
4. Google Nexus 4
5. Samsung Galaxy Note 2
6. Blackberry Z10
7. Apple iPhone 5
The results will matter to those who multi-task on their phone, and don't want to see it struggle when it has a number of apps on the go at any one time.
Which? demonstrated that the Galaxy was far and away the fastest in the test. It also drew attention to the Google Nexus 4, which managed fourth place despite being over £200 cheaper than those that beat it on speed.
Does it matter?
So why is the iPhone 5 the best selling if it isn't the fastest?
It's worth pointing out that this test isn't perfect. It's difficult to mimic exactly the kind of multi-tasking you personally have in mind, and exactly the mobile operating system you use, so these results are not guaranteed to mirror any individual's experience exactly - just give a general rule of thumb.
But the reason the iPhone5 outsells the rest is because people are judging it on a huge breadth of things, rather than pure processing speed.
The tech savvy are weighing up things like functionality and features, the number and quality of apps available, reliability, battery life, and the efficiency of the platform. The less technologically able are looking for things like ease of use and support.
And there are a huge number of people who are simply loyal to the brand, who have been willing to forgive all sorts of things in the past - from less-than-perfect aerials to comparatively low resolution cameras - because they just like having an iPhone. This isn't just a piece of tech, it's a fashion accessory, so it's going to take more than one test of processing speed to persuade people to ditch their much-loved phones.
Beware the small print
Tests find shocking result for iPhone 5
It is reasonable to assume that if you take out a mobile phone contract at £30 a month for 24 months that's exactly what you'll pay unless you exceed the tariff. Yet mobile phone providers have come under fire for a snag buried in the small print – a clause to allow mid-contract price rises.
Prices are rising by a median of 81p a month and 70% of consumers are completely unaware off this sneaky move, according to Tesco Mobile, so be sure to check any new contracts before you sign the dotted line.
Financial service providers always refer to 'typical APR' in advertising to attract customers with favourable rates of interest.
Yet the typical APR on loans and credit cards is only available for those applicants who have a squeaky clean credit record, everyone else could end up with a much higher rate. For example, under EU rules, credit card providers only have to provide the typical APR advertised to 51% of applicants.
So always consider this when applying for accounts and products, and if approved – look out the actual APR that you will be charged.
The highest paying savings accounts on the market tend to come with a string of strict terms, which if you fall foul of, result in a drop in interest. Common requirements include paying in a set sum each month and not making withdrawals during a set period.
Make sure to fully understand these terms before opening a savings account and if you choose an account with a six or 12 month bonus, remember that this will plummet when the bonus period ends.
Cashback credit cards that pay you a small percentage each time you spend on the card are full of loopholes in the small print. All have a maximum spend, but many have a minimum spend too.
For example, the Sainsbury's Cashback Low Rate card advertises that it offers users 5% cashback for the first three months. However the 5% cashback is capped at £50 a month. A further 5% cashback is subject to you spending £500 a month on the card (£250 of that at Sainsbury's).
Attempt to repay your mortgage early and you may be greeted with a hefty fee in the form of an early repayment charge. These penalties vary from lender to lender and even deal to deal, but are typically be around 10% of the outstanding balance.
Details of any early repayment charges should be clearly outlined in your mortgage contract but it is worth double-checking with your lender before you try to make a payment.
Insurance is an incredibly complex area of personal finance and different forms of cover are riddled with different hitches that make it crucial to read the small print. Failure to do so could lead you to pay for a product you would be never be able to claim upon, or unknowingly do something that invalidates your claim.
Always buy the right level of cover for your needs and pay close attention to any exclusions in the policy wording. For example, many travel insurance policies for winter sports won't pay out for treatment of injuries incurred while under the influence of alcohol.
Think a credit card can't do any damage at home in your drawer? Think again. Some credit and store cards charge a dormancy fee if you don't use them regularly.
For example, all Santander-issued store cards, including Topshop and Laura Ashley cards among others, charge a fee of £10 if you remain in debit for three consecutive months.
Exceed the monthly usage allowance in your broadband deal and you could be hit with a huge fee. Common with the cheapest broadband deals on the market, penalty charges for going over your contracted limit can push your bills up even higher than if you paid for a deal with unlimited usage.
According to Talk Talk, some households are being forced to pay an additional £40 per month for exceeding their usage allowance. BT for example, charges £5 per every 5GB extra used.
Familiarise yourself with the download limit in your package and the penalties for exceeding it, decide whether you are better off with an unlimited deal.