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Stop ISP’s tracking your DNS & browser history!

Well hello again.

For those who wish to stop people being nosy about what a where you browse. There are a few things that you can do that will happily upset most but not ALL internet nosy people on what you visit. GCHQ and the NSA probably still have a few tricks in their box to spy on you. But, at least we shouldn’t make it easy for them. 99.5% of us are doing nothing wrong. Using the old “we need to know” have fallen very short in recent years. When it has been shown that attacks have taken place in FULL view of them without needing any de-encryption software. All you are doing is increasing the Haystack of information. It ends up – ” that you can’t see the wood as the trees are in the way”.

First or all you need to stop using that thing called Google Chrome. You can still use all of the Google suite of packages if you must such as GMail, GDrive etc…etc and remember the saying “There is no such thing as a FREE lunch” They will be using the contents of your emails and communication to sell to the markertires of the Corporate firms.

However, for those of you that wish to take back a bit of control you can download the current version of FireFox on your PC, Apple desktop or mobile and with a few simple tweaks stop quite a significant chunk on snooping in one swoop.

Download the Browser from Here (Opens another Page) So, allow it to.

Then download the package after accepting the T&C’s. Okay, so how many of you have actually read them? Well, we leave that to one side for now as this crew are Open Sourced and Commercially & Government Neutral. I’m sure they wouldn’t mind a contribution to help them in their work though. £ or $ amount would keep the lights on.

Once you have downloaded the package and installed it. The computer will ask that you trust this which you should answer “Yes” as long as you clicked the link and didn’t search for the “Firefox” link. Yes, you know who you are tut tut.

Open the browser and then type the following into the place where you normally type the web address. Where the Https or Green lock appears.

about:config – then hit enter

You will be warned to turn back. But instead select “Accept the risk

Okay, don’t freak out or Panic if you are English! At the top of the browser page. You see a “Search with a Looking glass icon”

In there type the following. network.trr.mode – Do worry about the list reducing. It’s the browser trying to reduce the list dynamically. Once you have finished typing the about there should be only one line available to select.

Then double click the lefthand button on the mouse. Then, when the dialogue box appears change the 0 to be 2. Then, select the “OK” button to confirm the change.

Now once you return to the original page. Remove the network.trr.mode text and replace it with the following “network.security.ensi.enable” by the time you have typed this in. You will only have one option to choose from. Double click on it with the lefthand mouse and you will notice that the “Status” will change to Modified and the “Value” will have changed to True

Once you have finished the modifications you can visit this site below to check you’ve everything working correctly.

https://www.cloudflare.com/ssl/encrypted-sni/

Select “Run tests again” which will check out your browser. There are four tests on the page which should all be Green Ticks.

Remember these settings are only good for the Firefox browsing. Start using Chrome and Edge browsers and all bets are off on security.

Until we see you again. Enjoy your browsing again.

 

TESLA upset Warren Buffett by suggesting that they will offer Car insurance.

Welcome again to another post.

Tesla has upset Warren Buffet with the idea that they are considering setting up Car Insurance for all of their products Model S, X, 3 and Y.

The terse rebuke shows that yet another industry can suddenly see that Musk has them in his targets.

With the common complaint that the insurance cost to cover a Tesla is more expensive often being reported. Although when you compare Apples to Pears then what do you expect? A Ford Mondeo at £23k against Model 3 performance model £47k. Yes, one would think the insurance would be more. 0-60 of the Ford Mondeo is sub 9 seconds against Model 3 getting there in under 3.2 seconds. Yep, there will be a difference! Both on the cost of the car and its ability to get to 60 quicker. Quicker equals more expensive insurance or the correct premium. Even the slow Model 3 gets there in 5.3 seconds. Not slow!

However, Musk has smelt an opportunity for Tesla to insure the whole fleet under the Tesla banner.

Insurance companies work on the driver’s experience and ability of he or she has shown not to hit other cars and the actual cost of repairing/replacing the car if it all goes very wrong.

Tesla has odd 500,000 plus cars that are increasing by 5,000 a month that it knows exactly what is happening in each. As they are used for gathering data for the self-drive feature when that is possible in the future.

Insurance companies themselves would fall over themselves to have this data on each of us. Hence, the small black boxes that are being installed in newly qualified drivers in the UK to drag down their £3,000-9,000 premiums to something that the recently pass driver can afford.

Tesla knows the cost of repair and can make this at cost plus a small margin. They also know the true cost of a new car. So, they are already in a strong position as a 20% markup is not unexpected in the future. They can then roll out the Taxi element without the cost to the individual owner as the cost will be shared over the complete fleet. They can salvage un-broken parts from the fleet and service the damage vechiles.

The other benefit is the constant revenue stream coming into Tesla rather than the insurance companies. You sort of wonder why other car manufactures did do this in the I.C.E. or another case of the Desiel Gate cartel? Either way, I can’t really see many downsides to this. The repair network is still there for ICE cars. So, all they need to do is provide the parts next day and I can guess who would be up for that business. Starts with “A” and in jungle in nature.

No messy Taxi insurance needed when being used by the Tesla Click and Collect the customer service. Just in case Warren Buffett was only concerned about Tesla they should be. As Amazon has also made noises on this car insurance option as well. It’s only an extension to their popular PRIME offering. It’s a Trillion Dollar industry that is ripe for the picking. It will have the effect of Amazon on keeping pricing down. What’s not to like?

Until next time.

UK Pension Freedoms and Catches!

The chaps at AJ Bell have put together a 20 min video that explains about the various pension options and HMRC’s not so nice practices.

Good. See I was being helpful.

Enjoy the rest of your day and start that SIPP if you don’t have one already.

Even a couple of £100 now will allow you to invest 4 times your annual amount of 40k in 3 years. That 160k that you could invest. You don’t have to invest this amount now. It can sit there quietly until you are ready.

If you haven’t started the SIPP its 40K max for that year.

For the sake of a couple of £100 invested into the SIPP. After 3 years sitting there it leaves the option to invest up to £160k when you win the lottery!

Remember. If you are going to draw more than £1,000 ish a month after the 25% is taken then Tax is payable. Make sure you seek financial advice from your accountant or adviser. Getting it wrong can and does turn out to become expensive!

We happen to use AJ Bell. But have no financial benefit from sending you to watch their video.

PPI time running out!!

The Banks and insurance companies have been waiting on the end date to this scandal. Don’t let them keep your money that they owe you.

With the Cut off date rushing towards us. It is probably the last time you be able to claim what the banks and insurance compaines took off you without your permission.

It is worth registering with the Consumer-focused website “Which” to make sure that all institutions look into their records.

For those that are reading that are not UK based. Our Banks and Insurance companies charged for an insurance policy that was supposed to cover a non-payment on illness or loss of employment. However, as the T&C were not provided for most, who were told they had to have this without any option. They wouldn’t pay non-full time employees. So, the insurance in a great many times would be worthless. However, the insurance and Banks were quite happy to still insist that all customers should have this insurance. Eventually, the penny dropped in our Government and the industry was told to repay these fees with interest.

They, of course, will do their utmost to not pay the full amount back. So, even if they do offer a sum. Do use your common sense to check if this seems reasonable. If your Credit Cards / Bank loan etc is being in the 1,000’s a month then the amount back should be quite considerable. So, if they offer a couple of £100 back it time to push back and ask them for the prove of how they reached this amount.

I happen to be a company director for my sins. So, I have to keep records for 7 years. Just in case HMRC wishes to view them for some reason.

Hence, I have got the originals.

Don’t expect them that have the right statements or the correct ones. As when I cross-referenced the balances of the months on Jan and Feb they didn’t match. Despite me sending them the actual copy of the statement to check against!

It seems that this isn’t unusual for them. So, your not convinced that it’s a reasonable amount you should start a claim with the Financial Ombudsman within 30 days of receiving your last correspondence with the bank. Whilst it will not be quick. They generally have been able to settle at that offer. Which in my case was £1,000’s more?

Make sure that you mention that you wish for the “Pleving ruling” to also be taken account off. As the Insurance and Banks were found to be making accessive amounts of profit on loans and these are to be repaid under this ruling. Loans used to have 67% profit earnings for the banks. Hence, why they have been told to repay the amounts over 50% back. Yes, I know. But, getting some of it back is better than nothing.

So, don’t just sit there! Register yourself and get your Wife, cousin to do so Today!

RED finally ready for Liftoff? – https://redtenergy.com/

We’ve been with RED  for several years and over this long time, the share price has bounced around the 5-9p range in that time.

However, in 2018 the CEO has put together a Sales and Marketing team that finally seems to pay dividends (Sorry for the Pun)

For those that like to view the solution. Here is the video link explaining. For the rest of us keep reading!

RED has now established a Production product (GEN3) that they have been able to convince the Jabil manufacture to produce them in 70 places over most parts of the world. Thus sidestepping the costs of manufacturing and stock that have to normally financed by the company.

They also now have sufficient size deals over the 100+ million mark. To allow institutional investors to look and actually put together finance packages.

There is already strong interested in backing both Wind and PV  farms as they are in the 20-25 year term investment. These achieve a 6-8% return. When you add the RED energy engine which allows for extended power for over 4+ hrs periods. Which both National Grid and large corp users are realising can drastically cut the electricity bill and provide Grid Balancing services to the National Grid providing the  JAM to the deal. This then increases the return to 10%+ over a 25-year time span. Something that an institutional investor would think a reasonable investment.

RED has been able to obtain and 1,600 units commitment from a Germany order. As they are further forward in renewable markets. This along with the orders from the Monash University in Melbourne, Australia place them for even more growth through word of mouth. With the October 2018 event to still arrive in Australia for more spreading of the word.

In August they announced a UK order from Anglian Water again a small step for this group. However, a significant one. As this is a large well know UK company which has a large energy bill of £77 million that can see significant savings to place their toe into this new market. The potential of this client with its 1200 water treatment and water recycling centres would keep RED busy. However, this is one of the 10 companies that have the same problem. They can now deploy local PV  on-site and the RED storage systems and greatly reduce their overall electricity bill.

I believe that this firm has turned the corner, all be it slightly later than most of the investors had wished.

For those that have been looking. I would suggest this is the time before the blue touch paper runs out on the share price. When large investment houses start to understand the real opportunity.

Cheer for now.

Monitor your Electricity and Gas bills with Loop @ £69.

Hello again,

We have had this system for a couple of years now without issue and decided to spread the word in the UK. As some of our readers are slow in changing their energy provider. :o( Tut Tut.


The system comes in two parts. One for the electricity install and a second for the Gas meter.

The idea is to set up the electricity one first which is the Orange coloured box and then the blue one after which is the Gas supply.

They provide a couple of YouTube video’s that guide you through the process. It sounds scarier than it really is honest.

Electricity set up

The Gas after you’ve installed the Electricity!

So, what are the benefits?

You’ll be pleased to hear that the 2.4 or 5Ghz Wifi will not be used. It uses a 433Mhz band that should allow it to reach most places from the router.

You plug the base unit into the Broadband Router. Thoughtfully they have allowed this to be a pass-through type. So, if you are short on the number of connections on the router. This allows the device that was plugged into port to be so after.

This is powered via a USB which most routers now have. Once this is done the base unit talks back to the internet server. You need to take a note of the Id on the base unit before you do this though! The process then after connecting the clamp on the electricity supply is reasonably painless. You go through a sign-up process on the website. Which, will ask for that ID number that you should have taken note of!

One should note. That the clamp goes around the wire and doesn’t have any physical connection to the supply. Hence you don’t need an electrician. The same applies to the Gas meter. Which, once you have completed the Sign-up and got the electricity supply part working. Gas monitoring is achieved by following a setup procedure via the website. You have to know the type of Gas Meter and its Metric or imperial. But, these are quite easy to distinguish. As they supply the details along the way during the setup. Then, they just need to know the MAC address which is printed on the side of the Gas monitor. The setup routine does ask for this before they ask you to connect the monitor to the Gas meter.

Once you have connected the monitor to the Gas meter. All that is needed is to push the button on the device itself. Which, kicks off the setup routine. You need to turn up the Thermostate to make the boiler kick into life. Then, the system checks that it can establish that the dial that spins on the Gas meter is picked up. After a cup of tea (15 mins), this should report that it has established this. Then, you can return the Heating Thermostate back to where it was.

It obviously has an App for both Apple and Android which allows you to monitor how much Gas and electricity are being used both in real-time and over Day, Week, Month and Year. You can see a YouTube video of its features here

You can also set up the Budget using the Web interface to set a predetermined budget. For example, you might pay £80 a month to the utility. You can set this as a budget to the charging period. So, you can keep a check on how far you have got on the budget. It also will send you a weekly report on how you are doing.

After a couple of weeks. It will start comparing the tariff that you told it you were using to others on the market and report any benefit you might want to investigate.

Now like all comparison websites. Because of OFGEM, they assume once you come off a Fixed rate tariff, that you stay on the standard rate. Which, I think is misleading and OFGEM should know better! However, that said. It will nag you to check every so often if you can get a better deal.

As you can see here.

We are currently with Bulb which is a variable rate that uses 100% Renewable Electricity and Gas as much as it can. They aren’t necessarily the absolute lowest. However, they do provide a good email service on the occasions that I have asked a question or two.

If you use this link Here – then they will credit your new account with £50 and also pay any cancellation fees up to £150 per service. Providing you supply them the PDF bill. There is no charge to leave. So, whilst they can’t stop increases that do occur. They are well aware of people migrating away if they increase it too far. After all most of the clients were sign up due to the costing in the first place!

It a nice simple system to keep an eye on your energy charges for £69 and does a lot more than the current SMART Meter systems that are currently being rolled out at great cost to the UK consumers.

They keep saying that the Government is doing this. But that’s our taxes being wasted as far as I’m concerned. With the little benefit to the consumer and lots for the energy companies.

You could do quite a lot with 11 Billion. Even set up a fund at 6-7% return with that 11 billion would probably pay or subsidies the energy costs for OAP or not well off parts of the community for the for seeable future. How’s that for SMART thinking?

Ho hum. :o( Being logical again!

Well, I hope this has pushed you to at least look at the cheapest devices that actually monitors and pushes you in the right way to keep your energy costs down.

For now, Cheers

Cheap Renewable Energy for your UK home – Save up to £300!

Cheap, Renewable Energy

Click the link below to see if you can save up to £300 a year!
bulb.co.uk/refer/davidv9215

If you’re looking for Bulb’s website, please click here

I’d like to encourage friends, family, & anyone else who’s interested, to find out more about Bulb & how easy it is to go green & save money. It takes a minute to get a quote & Bulb do all the work when you switch; you don’t even have to tell your current provider. Bulb will give you £50 if you use my Bulb referral code.

I moved to Bulb from First Utility, one of the big energy providers. I switched because:

  1. Bulb provides 10% renewable gas energy;
  2. Bulb’s single tariff is much cheaper than the big energy companies;
  3. Bulb’s customer service is excellent.
  4. Bulb’s use 100% Renewable Electricity generation.
  5. Bulb’ pays the exit fee charges made by your current supplier up £120 on request.
  6. Bulb credit your account with a £50 credit as a thank you for joining them.
  7. You can do your bit for the planet without costing you an arm and a leg.

Typical Costs for Heating a UK Home

Bulb: Making Energy Simpler, Cheaper, Greener

Bulb is a new UK energy provider determined to revolutionise the way the energy industry works. Bulb provide 100% renewable electricity & 10% renewable gas. Their energy isn’t just greener, it’s also cheaper. Traditionally, you have to pay a premium to go green, but with Bulb, you’ll also save money. Combine green energy, great customer service & a hassle-free switching process, & you have Bulb, in a nutshell.

That’s probably why Bulb is the UK’s fastest growing renewable gas & electricity supplier.

GET A QUOTE & £50 WITH MY BULB REFERRAL LINK

Secure your files from Ransom Malware Encryption on Windows 10.

Hi Guy & Girls,

Well, you’ve just upgraded to the current Windows 10 Fall Creators update and you find a few goodies under the bonnet?

No? Well there is an option to turn on a feature called “Controlled Folder Access” on their Windows machines

It’s described here. So, I will not re-invent the wheel.

But, basically. It keeps an eye on the activity of the Hard Drive and stops mass encryption occurring on both the System files and the Specific User Local folders that are currently active.

The Hit on the system performance is not noticeable and certainly will not be noticed on an SSD.

So, a bit of a no-brainer!

So, if you are already on Windows 10 Fall Creators do it today!

If you aren’t. It actually makes the pain of upgrading worthwhile. That from a Computer Engineer that normally would say hold off the update for at least 3 months.

But this is a sensible improvement worth the risk.

Yes, they have moved all the settings around again. But, the underlying improvement of speed of the new OS makes it worth the pain of the upgrade.

So, hold your nose and upgrade to Windows 10 Fall Creators soon!

Cheers.

Sale of 1MWh hybrid system, redT Launch in Australia.

Hi Guys,

This is good news as it combines the benefits of both technologies at a sensible price.

This also encompasses a new building that from the start will be Netrual in it energy requirements.

See the linked article for more technical information.

Sale of 1MWh hybrid system, redT Launch in Australia

All good new for the UK and Australia.

Cheers Guys.

24 x 7 – Renewable comes to age with REDt

Hi Guys,

As some of you know we have been following an AIM share called RED which has been developing a Flow Machine for 17 years.

They are finally starting to see industry realising that install these Flow machines along with Solar PV allows them to bridge the gap of night time at a sensible cost. To provide power back to the UK grid when need.

This is a UK installation which also has the support of one of the major six energy companies Centrica.

Where Lithium wears out after 1,000+ or so charges. The Flow machines can carry on charging and discharging without any noticeable degradation for over 20 years and then by changing things like pump and few other plates. Can start the process over again for another 20 years.

Once the major markets wake up to this device. Then, it will be hard to stop the orders coming in.

A nice positive story on the  UK for once.

Cheers.