My Blog - changed regularly
Money Savings Expert said : Tens
of thousands of H*lif*x mortgage customers are to be given a redress
payment of £20 after the bank uncovered an error in the way interest
has been charged that dates back eight years. Those who chose to
overpay their mortgage, pay weekly or make one-off payments at any
point since 2010 may have been charged too much interest due to the
error. H*lif*x won't say exactly how many customers have been
overcharged, though it's understood to be 10,000s. It says the vast
majority of those affected will have overpaid by under £10, in some
cases by just a few pennies - but anyone who's lost out is being
offered £20 redress as a cheque.
Browsers and Search Engines. Confusing, isn't it? Google is a
Browser and Chrome actually does the clever searching. In the
case of Microsoft, Internet Explorer was their main browser but lately
it is called Edge. But their search engine is called Bing.
Microsoft's Windows 10 updates: We have all been mystified by Windows
10 updates being called (August 2016) "Anniversary Update", then (April
2017) "Creators Update", and (October 2017) "Fall Creators
Update" Now (sensibly) they are going to simply name the
after the month and year of their release. Unfortunately, for some, the
October 2018 update was problematic and it was quickly withdrawn. If
you used Edge to find a download site for the much preferred Browser,
Google, you were in danger of downloading a 'nasty' from a (paid for)
advert they allowed Bing to prominently display. Guru, Bob, says that
the bug that forced Microsoft to halt distribution of the Windows 10
October update has now been fixed, but other severe bugs still delay
resumption of distribution. So, wait a little longer before trying to
download the update. The October update should be available some time
in November. Hopefully, this time, they will not hurry it out before
the beta testers have had a chance to tear it apart. For now, Microsoft
says don’t Click “Check for Updates”.
Haggling
The top 10 UK service companies to haggle with
PROVIDER NO
SUCCESS SMALL SUCCESS BIG
SUCCESS TOTAL SUCCESS RATE
1. AA (510 votes)
10%
32%
58%
90%
2. RAC (264 votes)
13%
37%
50%
87%
3. Sky (1,704 votes)
14%
30%
56%
86%
4. Admiral (292 votes)
18%
41%
41%
82%
5. EE (451 votes)
20%
36%
44%
80%
6. Virgin Media (629 votes)
21%
41%
38%
79%
7. AA Insurance (124 votes)
21%
41%
38%
79%
8. Vodafone (271 votes)
23%
32%
45%
77%
9. Plusnet (189 votes)
23%
41%
36%
77%
10. Three (234 votes)
25%
44%
31%
75%
And finally.... Falling foul of Planning Permission in Spain! :
Sagrada Familia is to pay £32m for building without a permit (for 136
years!). The construction of the cathedral, designed by artist Antoni
Gaudi, began in 1882 and has continued ever since (and, so far, they
have only managed the front).
Security:
I am sure you will have heard
that many of
the processors running computers, whether made by Intel, ARM or AMD
have been found
to contain code which might be vulnerable to attack.
As almost all main computer systems have
these chips built in the manufacturers have raced to develop code to
prevent
such an attack. The vulnerabilities have been named Spectre (ARM and
AMD) and
Meltdown (Intel). ARM chips are the ones used in
most mobile
phones in the world. This affects some Apple equipment as well.
Microsoft has issued an update
(Microsoft Security Advisory ADV180002) which it is hope will protect
users of Windows
software. Apple has also been busy. Be
sure to install these updates, including iCloud and iTunes if you use
those.
The flaws would allow hackers
to steal the
entire memory contents of computers, mobile phones, and servers that
run in
cloud-computing networks. So far, despite these weaknesses being
around for a long time, there have not been any known attacks using
them.
Windows 10
Update
On the subject of updates I
found that my
Windows 10 machine had not had any since before Christmas.
However, I finally did get a massive
update. It took a long time to download,
despite my having a very fast, cable connection. It
was version 1709. When it was finally
installed I found that my machine had been changed a great deal. My
keyboard
had been changed the the US one and half the carefully planned
shortcuts on the
desktop had been removed and the so-called Quick Menu had been
resurrected. We all hate change, so what
was so good about
the new version ? It talks about 'Mixed Reality', and you can download
a Mixed
Reality Viewer from the Microsoft store. The program is called
ARmodeling,
referring to Augmented Reality.
Given a reasonably fast machine this could
enable you to animate and view 3D Models in PowerPoint.
It also says you can add an
'Emoji' from
your keyboard. You can also set up dictation (wow!), switch from your
smartphone to the PC, change a typed character to the correct one, turn
script
scribbled on a touch screen into text, highlight text in an e-book, pin
sites or
a contact to the taskbar and call someone on Skype from the taskbar.
To say I am 'underwhelmed'
would be an
understatement. For this they mess up my laptop !
Incidentally, Microsoft is to
offer the
opportunity to defer updates, perhaps because people have found them
disruptive.
In fact Microsoft is blaming
certain anti-
virus products for causing its updates to crash PCs or repeatedly
reboot.
Microsoft hopes to be able to detect those computers and they will not
be
updated. However, looking through the
list I did not recognise any of the popular anti virus programs apart
from
Totalav, which has been blacked by many security writers.
Bob Rankin wrote a blistering
article about Avira anti virus software. Whether it was Free or
$99 it was massive, difficult to install and impossible to uninstall,
even using my favourite (thorough) uninstaller by Iobit. In the
end he had to do a restore to save his sanity !
HTTPS What is that about ?
As a site author I am being
bullied into
paying a fee to upgrade my HTTP site to an HTTPS (Secure, encrypted)
one. We
all realise that the internet needs to become more secure.
But if we bought every security measure on
sale we would need a bank loan. As it is,
my Windows machines take far too long to become usable because they are
searching for all the updates that are generated daily to keep us safe.
Apple's
iCloud and iTunes software seem to do this weekly. They are very large
updates;
and you have to click the PC four times to get them, then reboot the
thing. All when you just want to send an
urgent message ! It is no wonder people are favouring tablets, where
one can
get on and use them and choose when to do the updates. It is such a
shame that
Apple prices all of their (fragile) products beyond the range of many
people.
They tend to be more secure than Android based tablets as Apple has
more
control over the software.
Fragility.
I see so many people walking
around with broken iPhone screens. I, too, have broken a screen on an
iPad
mini. It cracked when I was prising it out of its cover. I decided to
get it
repaired by a non-Apple repairer. It was out of warranty and the repair
cost far
less than Apple would charge. But I was aware that Apple would wash
their hands
of it because I had not used their expensive service.
I just cannot understand why something that
can cost over £1000 (like and iPhone X ) cannot be made more durable.
BTW Apple MAY take
responsibility if it is a hairline crack .
I hear that one of the latest
iPhones may
have an OLED screen
https://en.wikipedia.org/wiki/OLED.
Hopefully these screens will be
less likely
to break when dropped.
Savings.
Savings
: It is so difficult to get an inflation-beating rate as national
banks everywhere, here and abroad, keep their rates as low as possible
in the hope of stimulating their economies, which never really
recovered from the 2008 debacle.
Whilst banks are not interested in your cash they are quite keen
to have
customers to sell them mortgages, credit cards and other financial
products.
So, some of the best deals are given to new customers, with up to £200
tempters
and cashback and regular savings offers. Santander used to be the king
of the
cashback banks but they have reduced the percentage you get back for
household
bills and have a monthly fee for accounts.
Almost all ask for minimum amounts to be paid in monthly and
most now
expect banking to be on line. As far as I can deduce, one of the best
accounts is the
National Savings 3 year Guaranteed Growth Bond, paying 1.95%. Apart from being absolutely safe the cost of
early withdrawal is only 90 days interest on the amount withdrawn. With
the
maximum being £1million that should take care of most of us !
n.b. With the indebtedness of
most European countries this makes it doubly
important to find a safe harbour for savings. Apart from Greece, Italy,
Portugal and Spain are all teetering on the brink. One wonders
how long the European Central Bank can prop up these countries,
We may be out of the Euro but, being a country that is dependent on the
financial business we would not be immune from the draught caused by a
default.
N.B. As well as
issuing these notes to a
favoured few I intend to add them to this site at
www.silverhairs.co.uk/blog.htm.
Ads in Gmail
The only way to really get rid of the ads is to turn off the feature
entirely. You can do this by: Heading to the gear shaped icon in the
top right corner under your Gmail photo. Select "configure inbox" and
disable the "Promotions". You may find this is not easily done on a
tablet
ONEDRIVE
A useful explanation of Microsoft's on line storage is at
https://newsletter.askleo.com/ask-leo-706-half-a-dozen-uses-for-onedrive/
Other Google services will become available. Google Calendar, for
instance, is a natural fit with Gmail where people plan joint
activities, appointments, vacations, etc. Google Keep, the ad hoc
Post-It Note(™) style note-taking app, is not exactly a household word.
Integrating such obscure services with the popular Gmail will bring
them to more users’ attention.
A new feature is "Smart Reply." Using machine learning and the context
of the message, Gmail provides suggested one-click replies such as
"Sure, Monday works for me," "So sorry to hear that," or "Cool, I'll
check it out!"
Snoozing and Expiring Email Messages. "Snooze” is the ability to
schedule the sending of an email at a future time.
“Expiring” emails are the flip side of Snoozing emails. You can set a
date and time at which the email you are about to send will no longer
be accessible by the recipient. Expiration is a security feature; it
ensures that no confidential messages are hanging around beyond a
specified date. In addition, the recipient of an expiring email won’t
be able to print, forward, download or use copy/paste on the message.
New browser protection plug in.
Whilst Chrome already provides effective protection against malicious
sites: go to a site with a poor reputation and you'll get a big, scary
red screen telling you that you're about to do something unwise. But
Microsoft believes it can do a better job than Google, and it has
released a Chrome plugin, Windows Defender Browser Protection, that
brings its own anti-phishing protection to Google's browser. Microsoft
justifies the new plugin with reference to a 2017 report that claims
that the company's Edge browser blocked 99 percent of phishing
attempts, compared to 87 percent by Chrome and 70 percent in Firefox.
The plugin brings Edge's protection to Chrome, so if the theory holds,
it should bump the browser up to 99 percent, too.
Free on-line storage. These days there is a lot of this on offer.
You have to decide whether your files and photos are safer there than
on your local storage. In the case of tablets, many soon become full if
you have a lot of music, videos and photographs.
Dropbox offers 2 GB; OneDrive, 5 GB; Box, 10 GB; Google Drive, 15 GB.
If you're a photo buff, you can get a whopping 1 TB (1000 GB) of free
space at Flickr to store your pics. (Flickr was recently acquired by
SmugMug, so we'll see if the free space offer continues after the
merger is completed).
The
Internet of Things (I o T)
has been getting quite an airing recently. Using a mobile phone one can
control many items from anywhere, providing they have been set up
correctly. Someone I know is able to remotely control the central
heating in a holiday let flat. But there are many other things that
lend themselves to this technology.
See this article by security company
Malwarebytes
Ccleaner.
There is a free version of this which has some useful features.
When you have finishing clearing the dross which collects just from
using a computer on line, have a look at the Tools heading on the
left. In addition to a very useful
Uninstaller it also has a
duplicate file finder and deleter.
You may be amazed how many files and photographs are duplicated.
Always a good idea to make a Restore Point before deleting them,
especially if they are a part of a program. I was looking at one
machine which had the Bullguard anti virus program. Most of the program
files were duplicated and many were triplicated. It could be that
they are a residue of an earlier Windows 7 installation.
In this respect Did you know that, if you have upgraded from Winows 7
to Windows 10 the computer holds on to all the Windows 7 files just in
case you want to go back to 7 ? This usually amounts to 30 gb of
unused files left in a folder called Windows Old. If you are sure
you don not want to return to Windows 7 (which will not be supported
from 2020) then you might as well free up that space. One needs to
search for Disk Cleanup to make sure the folder is completely cleared.
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