Why You Should Have A Personal E-Mail Address
I use a personal .com e-mail address based on my name and have done for many years. I always recommend that people have an e-mail address based on something like a .com, .co.uk or something related to where you live.
it was brought home to me this morning, about what a pain not doing this can be.
A friend has just changed their Internet supplier from BT to Sky. They used to use a BT e-mail address and now they’ve had to change to a Sky one! Consequently all of their friends have had to be informed and will have to update the entries in their address books. I don’t use a smart phone for e-mails, so with me all I have to update is Microsoft Outlook.
Incidentally, I’ve just looked up my friend’s probably preferred e-mail address and it is available at six pounds for two years.
That sounds like a small price to pay for something that will last forever and won’t ask your friends to change again.
An Unseen Advantage Of Peer-To-Peer Lenders
There are three main peer-to-peer lenders in the UK; Funding Circle, Ratesetter and Zopa and I have extensive filters and Google alerts that look for any fraudulent activity concerning these companies.
Have I just not found them, but I haven’t seen or heard of anybody trying to get access to any of their web-sites for illegal purposes. I’ve not even heard of anybody trying to hack Wonga either.
On the other hand I’ve had over thirty phishing attempts in the last few weeks to try to get into my non-existent Barclays account.
So are you at an advantage if you keep your savings with a peer-to-peer lender?
Certainly at present you are! But phishing attempts will come, even though I think they would be a very difficult scam to setup and target successfully.
Twitter Abuse Is Part Of A Larger Problem
I don’t actively use Twitter, although I do post things occasionally, but I never look at what people say and don’t follow anyone.
I whole-heartedly condemn those who abuse others on the site or in fact any other site. As Mary Beard, someone who has suffered lots of abuse and threats, has just said on television, I think that abusers should face the full force of the law.
In some ways, Twitter abuse, is part of a larger problem in Internet usage. It seems that immediately some people pick up a phone or get to a keyboard, they feel they must send something inappropriate. But these people wouldn’t generally walk into their neighbour’s house and call them something unpleasant or say show a beautiful picture to someone who was obviously blind!
And it’s not just in personal life, that this happens. I get plagued by unwanted e-mails, trying to sell me a car leasing deal, from companies all over the country. I don’t particularly care and always unsubscribe, but the same companies keep sending them. If I was a driver, I certainly wouldn’t buy anything from any of them.
There is an old maxim about treating people, how you would like to be treated yourself. It would appear that this goes out the window, where the Internet is concerned.
If you abuse a dog, you can be banned by the Courts, from keeping one. Perhaps, people who don’t use the Internet courteously should be banned from having a mobile phone and denied a broadband connection.
Have Google Lost The Plot?
This morning, the BBC is running a story about revamping the West Hackney Burial Ground.
I’m not sure whether you would describe Dalston as West Hackney, but it struck me that it could be near where I live. If it is, then it would be worth a visit for before and after photos.
So I typed West Hackney Burial Ground into Google Maps and got a load of useless information and adverts for places around Hackney including Jury’s Inn Hotel halfway between the Angel and King’s Cross. If I were to score the information I got, to give it zero out of ten would be generous.
Google seems to be getting less useful as the years go by, as it concentrates too much on making money and inventions such as driverless cars. Incidentally, I could probably drive the latter, but here in London, I prefer the big red taxis.
Why Is This Page Being Viewed?
The BBC has a list of the ten most viewed pages on its News web site. But this one concerning Andrew Mitchell, dated the 20th October last year is listed as the eighth most viewed page.
Strange!
Banks Don’t Do Parties
It’s many years, since I had any hospitality courtesy of my bank. It was probably a meal from David, when we were getting each other out of various scrapes.
But last night, one of the peer-to-peer lenders I use, invited me to a party.
One important thing was said, which addresses one of the problems of the peer-to-peer lending market and that was that the major peer-to-peer lenders had asked the government to legislate and bring them under the wing of the Financial Conduct Authority. It will probably happen in the spring of next year, but as with most government legislation, who knows? How many organisations or groups of companies have actually asked to be regulated? I can’t think of one, even outside of the financial area.
There was also a feeling at the party, that the various high-profile payday and short-term lenders cause confusion in consumers’ minds and this didn’t help. Let’s face it, judging by the number of bus and television adverts for these higher cost lenders, the public might even think that peer-to-peer lending didn’t exist or was a very niche product
It would be interesting to know, how many possible borrowers, never check that they might get a better deal from a peer-to-peer lender than their current bank, simply because they don’t know of peer-to-peer lending or don’t know how to contact the lenders? For instance, it would also be interesting to know such things, as how many people with excellent credit ratings, who regularly borrow money, don’t use the Internet!
If I ran a peer-to-peer lender, I’d get someone like YouGov to do a survey! After all, the party last night was a convention of believers, so anything obtained there would be statistically skewed.
The party was also a great place to exchange ideas and investigate how your money was handled. When did your bank last explain to you personally, why they were giving you such a poor rate on your Deposit Account? No one, probably gets decent service out of their bank these days, until they pop their clogs, as only then will the bank lose the easy money they make from that customer.
A Clever Phishing E-Mail Supposedly From O2
I just received an e-mail supposedly from O2 asking me to change my user name. This is the body.
Hello ,
We recently asked you to change your O2 Username.
To change the username to email please click on this link below to confirm this email and finish changing your username.
To keep your details safe, this link will only work for 48 hours from the time it was sent, so please click it now.
Sorry, but we can’t write back to you from this address, so please don’t reply to it. If you need further assistance, please contact Customer Services.
I am a customer of O2, but I never access them on-line, so I was a bit puzzled to start with. I then noticed it came to an old e-mail address, I only used for support on a company I owned. I then checked the headers and found that the e-mail came from Turkey.
It didn’t fool me, but it does show that phishing e-mails are getting more credible.
Are Google Adverts Sometimes A Waste Of Time?
I buy a lot of things on-line.
Three companies I deal with this way are East Coast Trains, John Lewis and Southern Railway.
As when I want to go to any of these companies web site, I know where to look, surely displaying their embedded adverts in other web sites is a waste of time for me and that advert won’t get me to use their company, as I would anyway.
So they are just preaching to the converted!
Interestingly, I’ve only ever got train company adverts from companies that I use.
So how much of the money paid by companies to Google to promote companies and products is wasted?
Incidentally, I think, I’ve only ever bought one product because of an advert on a web page. I have though thought, that I won’t use that company or product because of their intrusive adverts.
But then i like to think I’m not susceptible to advertising. Or at least in the way that advertisers want me to be!
Buying British Rail Tickets From Outside The UK
I just bought a ticket on Southern Railway. As ever, I will pick up the ticket from an automatic machine, before I travel.
I noticed that it said on the site that the method I chose was the preferred one for UK and Overseas customers.
If this is true and I’ve no reason to doubt it isn’t, then say an Australian booking a ticket in the UK, should do the following.
1. Ascertain the train company, who handle the route he wants to travel. The National Rail Enquiries web site, tells you this, when you check train times.
2. Go to that company’s web site and book your ticket, paying for it with a debit/credit card. Note that the actual company seems to always give the best price and often, you’ll find a special deal. Using an intermediate company is inevitably more expensive and they all seem to be generators of unwanted e-mails to your Inbox.
3. When booking, elect to pick up the ticket, any time before you start your journey. you need to chose a station, but it’s not important as tickets can be picked up at any station with a machine.
4. Make certain, you note the 8-character booking reference, the card you used and the journey you booked.
5. As you can pick up the tickets two hours after booking, probably by the time you arrive in the UK, that limit will have expired, so perhaps it’s a good idea to go and get all your tickets at a quiet time soon after arriving. Even if the company you specifically want doesn’t accept foreign credit cards, it certainly looks that some do.
100,000 Downloads And Still Counting
The 3D-printable gun has now been downloaded over a hundred thousand times according to this report on the BBC. Here’s part of the report.
Californian senator Leland Yee said he wanted a law passed to stop the manufacture of 3D-printed guns.
“I plan to introduce legislation that will ensure public safety and stop the manufacturing of guns that are invisible to metal detectors and that can be easily made without a background check,” he said in a statement.
According to Defense Distributed, most of the 100,000 downloads have been in the US, followed by Spain, Brazil, Germany and the UK.
The blueprint has also been uploaded to file-sharing site the Pirate Bay, where it has become the most popular file in the site’s 3D-printing category.
Calls to make such a gun illegal and stop the downloading, will fall on deaf ears. After all to create an illegal gun factory, all you need is a few thousand pounds or dollars to buy a quality 3D printer. Many aspire to have a weapon for personal protection or to settle scores with rivals or neighbours.
This gun is still crude and what worries me is not this gun, but the follow on designs, that will be possible as 3D printing gets more affordable and a lot better.
How long will it be before a crime is committed using a gun, that has been downloaded from the Internet and printed?
The Anonymous Widower 