Meeting 13th February 2025

Digital Matters – 13th February

Apologies – Christine, Iain

u3a Magazine – volunteer please!!!!

Meeting on 27th March – upstairs

Posts on Signal – intensity!!!

Review of previous meeting on Security etc

Blogposts on 

Member issues

Phil’s Apple Trade-In

Ian’s new iMac

Other new devices or pieces of kit?

Round the table

Presentation meeting in March – How much Privacy do you need/want? Invite others from u3a??

What subscription services do you use and do you value them (Iain)?  It could be services (eg Amazon Prime), blogs (Medium, Substack), news, music, film and software eg apps, OpenSource etc.  And have people given up subscriptions to print media etc

Ideas for future meetings (Stella)

Since it’s the season for gifts, we could ask members to recommend any devices or gadgets they have purchased this year.

I believe we have several keen photographers in the group, and members might be interested in learning about the latest digital cameras and how much they have evolved since the Kodak era.

We could also discuss the features that members find helpful or frustrating on their devices.

We might consider a talk on the latest technology in musical instruments. Phil is an expert on this topic and may enjoy sharing his knowledge with us. It could be a fun session!

Restrictions on use, legal impositions and “Best Before or Not After” for software/hardware

Digital terminology

Invite to join the Steering Group (Stella)

My bits and pieces

DM – Apple Pie

Apple’s anti-trust case with UK government over its Mobile platforms (iOS and iPadOS)

https://www.gov.uk/cma-cases/sms-investigation-into-apples-mobile-ecosystem

Iain

Bear in mind that a parallel enquiry has been launched into Google.

 I think that this is what the Americans call an “anti-trust” investigation.  It’s not uncommon in the tech world (eg the break-up of AT&T into regional companies) and in the economy generally e.g. railway and oil companies when they became dominant.  

Economists tend to think that monopoly is bad by definition but I think that there’s an argument to be made that Microsoft, for example, has stimulated economic growth by creating a worldwide standard for personal computing and allowed companies to avoid unnecessary costs in transferring data between incompatible architectures.

Me

I agree. Whilst often saying derogatory things about Amazon and Google, I would defend the way they do business. They are not clandestine in their approach. Amazon make very little out of their online retail, but massive profits out of AWS (Amazon Web Services) and Google don’t attempt to hide that they are an advertising and marketing company (unlike Meta) and provide some very good tools (some chargeable) which you can construct your own privacy around – should you wish to.

I’d further add, just how do these anti-competitive folk think that innovation is funded, and isn’t it justifiable to protect some of your intellectual property rights?

The argument only holds true in relation to preventing new entrants to a market. I would argue that any person seeking to challenge Apple/Google (Android) would be wise to look at what happened to Nokia and Microsoft phones and seriously consider whether they can really compete.

Taking it one stage further. Even with the zillions of dollars that Google is prepared to hand out to make Google search the preferred search engine on Apple’s Safari browser, can one really say the general public is that interested – they just want to “Google it” – a masterstroke in marketing. 

What is actually uncompetitive in this case is the reasoning for the “slush money” being given to Apple – it’s to stop them developing their own search engine!

Jonathan

I asked Google Gemini ” are apple and google anti competitive and, if so, is that a bad thing”. Here is the reply

Whether Apple and Google are anti-competitive is a complex question with no simple answer. There are arguments to be made on both sides.

Arguments for anti-competitiveness:

App Store dominance: Both Apple and Google operate dominant app stores on their respective mobile operating systems.

 They have significant control over which apps are available to users and the terms under which they can be offered. Critics argue that this allows them to stifle competition and favor their own apps and services.   

Default search engine agreements: Google pays Apple billions of dollars to be the default search engine on Safari. This gives Google a significant advantage in search, as many users stick with the default option. Critics argue that this harms competition and consumer choice.   

Bundling of services: Both companies bundle their own apps and services with their operating systems, giving them a leg up over competitors. For example, Apple pre-installs its own browser, email app, and music service on iPhones.   

Data collection and usage: Both companies collect vast amounts of user data, which they can use to their advantage in various markets. Critics argue that this gives them an unfair competitive advantage.   

Arguments against anti-competitiveness:

Innovation and consumer benefit: Both companies have driven significant innovation in their respective markets, benefiting consumers with new and improved products and services.

Competition exists: Despite their dominance, both companies face competition in various areas. For example, there are alternative app stores and search engines available.   

Focus on user experience: Both companies argue that their practices are aimed at providing the best possible user experience, even if that means limiting choices in some areas.

Is it a bad thing?

Whether anti-competitive behavior is a bad thing is also a complex question. Some argue that it stifles innovation and harms consumers by limiting choice and driving up prices. Others argue that it can lead to greater efficiency and innovation, ultimately benefiting consumers.   

Ultimately, the question of whether Apple and Google are anti-competitive and whether that is a bad thing is a matter of debate. It is important to consider all sides of the issue and weigh the potential benefits and harms before drawing any conclusions.

A BBC response if ever I heard one.

Time machine

Restarting your MacBook

Update of devices for security issue

Invites app for iCloud+ users

Transcribing audio to text in Notes app

Switching-off Apple Intelligence

Using external drives on your Mac

DM – Hardware and Software 

How to send large files

How to share files between Mac and Windows

Copilot invading Word docs

Extracting images from PDF files

Battery swelling

Recovering a deleted file

DM – Easy PC

Increase in subscription costs for Office 365

DM – Artificial Intelligence

The arrival of DeepSeek (from Iain)

“Author unknown. 

Nevertheless, an interesting read. 

Deep seek is on the news every where, for people like me who are not so well informed , I thought this message which I received from a friend, is very very useful.  I am sharing it below for those who are interested :

Finally had a chance to dig into DeepSeek’s … 

Let me break down why DeepSeek’s AI innovations are blowing people’s minds (and possibly threatening Nvidia’s $2T market cap) in simple terms…

First, some context: Right now, training top AI models is INSANELY expensive. OpenAI, Anthropic, etc. spend $100M+ just on compute. They need massive data centers with thousands of $40K GPUs. It’s like needing a whole power plant to run a factory.

DeepSeek just showed up and said “LOL what if we did this for $5M instead?” And they didn’t just talk – they actually DID it. Their models match or beat GPT-4 and Claude on many tasks. The AI world is (as my teenagers say) shook.

How? They rethought everything from the ground up. Traditional AI is like writing every number with 32 decimal places. DeepSeek was like “what if we just used 8? It’s still accurate enough!” Boom – 75% less memory needed.

Then there’s their “multi-token” system. Normal AI reads like a first-grader: “The… cat… sat…” DeepSeek reads in whole phrases at once. 2x faster, 90% as accurate. When you’re processing billions of words, this MATTERS.

But here’s the really clever bit: They built an “expert system.” Instead of one massive AI trying to know everything (like having one person be a doctor, lawyer, AND engineer), they have specialized experts that only wake up when needed.

Traditional models? All 1.8 trillion parameters active ALL THE TIME. DeepSeek? 671B total but only 37B active at once. It’s like having a huge team but only calling in the experts you actually need for each task.

The results are mind-blowing:

– Training cost: $100M → $5M

– GPUs needed: 100,000 → 2,000

– API costs: 95% cheaper

– Can run on gaming GPUs instead of data center hardware

“But wait,” you might say, “there must be a catch!” That’s the wild part – it’s all open source. Anyone can check their work. The code is public. The technical papers explain everything. It’s not magic, just incredibly clever engineering.

Why does this matter? Because it breaks the model of “only huge tech companies can play in AI.” You don’t need a billion-dollar data center anymore. A few good GPUs might do it.

For Nvidia, this is scary. Their entire business model is built on selling super expensive GPUs with 90% margins. If everyone can suddenly do AI with regular gaming GPUs… well, you see the problem.

And here’s the kicker: DeepSeek did this with a team of <200 people. Meanwhile, Meta has teams where the compensation alone exceeds DeepSeek’s entire training budget… and their models aren’t as good.

This is a classic disruption story: Incumbents optimize existing processes, while disruptors rethink the fundamental approach. DeepSeek asked “what if we just did this smarter instead of throwing more hardware at it?”

The implications are huge:

– AI development becomes more accessible

– Competition increases dramatically

– The “moats” of big tech companies look more like puddles

– Hardware requirements (and costs) plummet

Of course, giants like OpenAI and Anthropic won’t stand still. They’re probably already implementing these innovations. But the efficiency genie is out of the bottle – there’s no going back to the “just throw more GPUs at it” approach.

Final thought: This feels like one of those moments we’ll look back on as an inflection point. Like when PCs made mainframes less relevant, or when cloud computing changed everything.

AI is about to become a lot more accessible, and a lot less expensive. The question isn’t if this will disrupt the current players, but how fast? One of the reason of market fall across the globe”

AI to help in breast cancer diagnosis

Daisy – the granny AI spambot 

Mistral ‘Le Chat’ French AI chatbot

ChatGPT as a summariser

Pete’s summary from Chat GPT …

1. Online scamming is a global industry – It is vast, sophisticated, and growing rapidly, with criminal networks operating across borders.

2. “Pig butchering” is a major scam method – Scammers build fake relationships with victims, emotionally manipulate them, and then convince them to invest in fraudulent schemes.

3. Scamming is more dangerous than the drug trade – It operates beyond the reach of law enforcement, lacks regulation, and is highly scalable.

4. Criminal compounds run large-scale scam operations – Many scams originate from compounds in Southeast Asia, where trafficked workers are forced into scamming.

5. Advanced technology enables fraud – AI-generated voices, deepfake videos, and cryptocurrency help scammers operate anonymously and make their schemes more convincing.

6. Scammers exploit human emotions – Victims fall prey to scams due to loneliness, fear, greed, and trust in online relationships.

7. The economic impact is massive – Billions of dollars are stolen annually, affecting individuals, businesses, and economies.

8. Law enforcement struggles to keep up – Scammers move money and people across jurisdictions faster than authorities can track them.

9. International cooperation is needed – Countries must collaborate, working with banks, tech companies, and social media platforms to combat online fraud.

10. Public awareness and education are crucial – Governments should implement stronger warnings and educational campaigns to prevent people from falling victim.

… followed up with …

Pig butchering (shā zhū pán, 杀猪盘) is a sophisticated online scam that combines financial fraud with emotional manipulation. The term comes from the idea of “fattening up” a victim (the pig) before eventually “butchering” them for financial gain.

How It Works:

1. Initial Contact: Scammers approach victims through dating apps, social media, or even random text messages pretending to be a wrong number. They gradually build a friendly or romantic relationship.

2. Emotional Manipulation: Over weeks or months, scammers gain the victim’s trust, often pretending to be wealthy and successful. They encourage casual financial discussions, showing off their supposed investment profits.

3. Fake Investment Opportunity: Once trust is established, scammers introduce the victim to a “lucrative” investment, usually involving cryptocurrency or forex trading. They direct the victim to a fake but professional-looking website or app where they initially see small returns.

4. Encouraging Bigger Investments: As the victim gains confidence, they invest more money, sometimes even taking out loans or draining savings. The scammer keeps reinforcing the illusion of profits.

5. The Exit (Butchering Phase): Eventually, when the victim tries to withdraw funds, they encounter delays, extra fees, or are locked out entirely. The scammer then disappears, leaving the victim financially devastated.

6. Trafficking Connection: Many pig-butchering scams are operated from compounds in Southeast Asia, where trafficked workers are forced to run scams under threat of violence.

Why It’s Effective:

• Long-term manipulation: Unlike quick scams, it relies on slowly building trust.

• Emotional exploitation: Victims often feel emotionally invested, making them less skeptical.

• Convincing fake platforms: Sophisticated websites mimic real investment sites, making the scam seem legitimate.

• Cryptocurrency anonymity: Crypto transactions make it difficult to trace stolen money.

This type of fraud is one of the fastest-growing online crimes, with billions of dollars stolen worldwide each year.

DM – News and Updates

Screen time doesn’t necessarily cause “brain rot”

UK government demands access to Apple’s end-to-end encrypted messages on iCloud

“I’m keeping my powder dry on this one. I’m not totally sure what my position is. On one side I’m a strong advocate for privacy, and therefore support for Apple’s stance. On the other, I feel the large techno. companies don’t do enough to control the nefarious use of theIr platforms. Apple by not having their own search engine, nor social network, nor indeed their totally owned operating system (being based on Unix) can quite justifiable hold their hands up in horror and say – “it’s not me guv” – but they do provide a platform in iCloud which is a safe haven for the material of “bad people”. 

There must be a solution that satisfies both the individuals right to privacy, the states right to protect the greater good, and the corporations right to sell products that the individual wants/requires.

I don’t use the encrypted offering on iCloud+. Why do/should I need it? In many ways it gets in the way of usability.

Instead of blanket bans/prohibitions, why not a more nuanced approach, where the user is required to apply for the use of such a service on the basis of recognising (with their agreement on a case-by-case basis) that they agree to give-up total privacy upon lawful request. 

This would prevent the possibility of fishing like intrusions, trawling through private encrypted data in the hope of finding something. As we all know, preventing one thing – in this case on iCloud would just shift the data somewhere else, and who would suffer? The honest user of course who had a valid reason for encryption.”

DM – Scams, privacy and security

“I’ve just come off the u3a Trust Zoom call on “Staying Safe Online”. Any one else watch it apart from Ian???

Some points I made notes of.

1) Seriously distrust QR Codes – the scams are much more than just parking meters, and can be quite sophisticated [I forget the example quoted]

2) I must buy a RFID Screening device for my “man bag”, and others should check whether their wallet/purse/handbag has one supplied in the bag. I was quite shocked at my ignorance on this one and how open I might be to scamming from a passing stranger.

3) Added to this, get a Faraday cage like device to put my passport in – much more sensitive info on that than I’d been aware of.

4) I like to think I wouldn’t fall for an ATM skimmer – a device on the front of an ATM cash dispenser, but I’ll be much more vigilant when using any device I don’t know.

5) The speaker, and now I, stress just how important it is to keep your email password secure. I’m going to reviewing mine again as a result, and just because one hasn’t been pwned doesn’t mean I shouldn’t change it. I’m using the Apple iCloud Keychain these days which generates passwords for me and holds them securely “in the cloud” in the same way as a password manager does. An incentive for me to double-check.

6) The risk of leaving your Facebook profile unprotected was highlighted. So, even though I don’t use Facebook/Instagram – I should either delete my account -not a bad idea, or go through the security/privacy settings with a fine-tooth comb. Same applies to Google. [This could be worth a blog post probably, when I’ve researched what the most appropriate settings should be.]

12:03

7) Lastly, and one I’ve never thought of doing, but now I will most certainly – switch off WiFi when I’m away from a known and safe network. These would be ones where you have to provide authentication to access the network, or behind your home router. It’s just too convenient to not switch-off WiFi, but as I reported last week … you don’t need a VPN when using your cell network – it’s secure; the cost of using mobile data is coming down – use that allowance and only connect to WiFi when you have to authenticate to an encrypted service.”

Ian …

“Overarching message:

Human beings are the point of weakness!

Action points-

1. Turn off WiFi on phone when leaving home. Unencrypted free WiFi that the phone will automatically connect to makes you vulnerable (even in hospital waiting areas). 

4G/ 5G mobile data is encrypted, thus safe. 

2. Your email password is your greatest vulnerability. 

Emails are most frequently used as usernames on websites. 

Once an email password is hacked they gain access to your entire contact list and work through using the ‘forgotten password’ facility to reset passwords and gain access. 

Secure email accounts with very strong passwords (combination of at least three words + capitals, numbers and characters). 

3. PW managers- a couple of things to consider. (a) may only work on one device, not multi-platform (b) protect master password. 

4. Email scams-

Checking senders’ email address on desktop/ laptop is easy (hover). 

Not so on phone (requires double tap to reveal; be careful).

5. QR codes can be intercepted + they are capable of altering settings on phones. 

Be very cautious (esp with cafe menus and the like).

6. Websites

Links to actual websites may not appear at the top of Google searches. 

Third parties often pay Google to get their website (intermediaries) to the top of the list. Looks like the real thing unless you read the fine print. Using them results in extra, unnecessary charges. 

7. Never let your credit card leave your hand. Be very suspicious of card machines that “don’t work” or require a second swipe (skimmer’s ploy).

8. As David mentioned use RFID blocking cards in your wallet, use RFID blocking pouches to protect your passports (all your personal and government-held data is in your passport chip), and use Faraday cages to protect your keyless entry car keys. 

I learnt a lot. Lots of homework to do now.”

Passkeys

Quishing

Protecting yourself from scams

Nectar points protection

Changing passwords

Apple Trade In Scheme

I had an Apple MacBook Air. I bought it early in the lockdown year 2020. At the time, I bought the base model with just 256 Gb of storage. I decided that I could probably get around that limitation simply by storing things in my Apple Cloud. For a while, that appeared to work. Then a few weeks ago I decided to find out how much actual storage I had left available. I’d actually used nearly 200 Gb.

It was then that I discovered that Apple operated a trade in scheme. It works like this. You log on to the Trade In website and provide the details of your device; serial number and the state of its general condition. The then give you an indication of the estimated value. I was offered £275. Considering that I’d made good use of this laptop for about five years, I felt that was a good deal.

Problem was, until then, I really hadn’t thought of getting a new computer. Perhaps about two years in the future was my thinking. However, if my laptop was worth £275 now, I really didn’t think it would be worth that much in two years time.

I’d heard so many good things about the Apple Mac Mini that I decided that this might be for me. It dawned on me that although I’d bought a laptop five years ago, I had never ever taken it out. I had it connected to a large monitor. I also had Apple bluetooth keyboard and mouse. I really didn’t need a laptop.

You start the Trade-In process by filling in an on-line form. Basically, you get asked about the device’s condition. Any scratches, bumps or bulges, that sort of thing. From this, you get awarded a valuation. If you accept, in a few days time, you receive a delivery; a box to pack your device and some instructions on how to proceed.

This isn’t just limited to Apple devices. They accept other brands but they only pay out in the form of an Apple gift card.

I had to create a back-up using something called Time Machine. This, supposedly creates a file containing all of your documents and settings from your old machine. This can then be plugged in to your new machine, which will then set itself up just like your old machine. Well. We’ll see.

I then had to re-set my laptop to day one, thus deleting everything from my old laptop. After that, I packed up the laptop using the provided box and took it to the post office.

I’ll be honest, I found this process a bit emotional. Watching the laptop delete all of the data, then handing it over to the post office, it was a bit like taking an old dog to the vet for the last time. But, hey ho, we must move on.

I made one mistake. Apple devices have a feature called Find My. This is a security device. If your device is lost or stollen, Find My helps you to locate it. It has to be turned off before you start the procedure. They can’t proceed until it is turned off. Eventually I found that you could turn off this feature ‘in the cloud’.

Be prepared for a wait. This isn’t a fast process. It appeared to me that every step along the journey takes 3-5 days. 3-5 days to receive your box. 3-5 days for your device to be delivered to Apple. 3-5 days for them to confirm your valuation, 3-5 days to receive your Apple gift card. Only then will you be able to order your new device.

I suppose you need to think long and hard before considering this service. You could find yourself without your computer for three to four weeks. Also, I estimate that I’m going to get about 25%-30% of my original purchase. Maybe I should have delayed or found another way to fund my new computer. However, I console myself by looking at YouTube videos that tell me that the new Mac Mini is indeed the best thing since sliced bread.

Prevention and protection from Scams

And so we turn to passwords and online security. I’ve dealt with this at some length previously in a post entitled “Keeping safe online” which I last updated in May 2023, and although much of it is still relevant and most, if not all, of the links are still working, I thought to write something from scratch, rather than do another edit/revision.

I’m going to skip to the content at the end of the article referred to above and pick-up the theme of Passwords, Passkeys and Two-Factor Authentication (TFA).

First-of-all – you want a fright? Try typing your favourite password(s) – you do have more than one, don’t you? – into this website.

Secondly, check to see just how vulnerable your email address might be, using …

Screenshot

… go to haveibeenpwned? – and if you want to know what pwned means, and how to pronounce it, look here. If a service you use is in this list, you seriously should change your password!

Another approach is to use a tool that looks at your “digital footprint” to examine where you might be exposed. Such a tool is this one from Malwarebytes.

So that’s got your attention, right? You really need to deploy/use a Password Manager to hold your passwords – preferably one that is usable/consistent across all your devices. Two such products are 1Password and Dashlane. Both of which get very good reviews.

The alternative to using a Password Manager application is to use the password security offered by your browser. In Apple’s case this is iCloud Keychain – which stores the passwords – with its associated Passwords app; in Google’s case this is Google Password Manager. Both of these now offer support from one ecosystem to the other – so multi-platform users can choose one or the other. Microsoft also offer a Password Manager using the Edge browser, but its features are possibly not as well developed as those of Apple or Google, nor of dedicated password manager applications such as 1Password or Dashlane which score best with users who have a mixture of Microsoft, Apple and Google devices and applications.

And now we have Passkeys. When assessing whether you want to move to a Password Manager, you MUST check that the chosen one supports Passkeys as defined in the FIDO Alliance …

… and the key to its success and inter-operability is its integration with biometric signatures. So Passkeys are the platform for increased and improved internet security and should be welcomed with open arms – for Apple, for Google and for Microsoft.

If a Passkey can’t be employed on your favourite website, or even if they are, you may be asked to use 2FA (two-factor authentication). Using this means that when you’ve typed in your username and password you’ll be challenged to provide a code from a mobile phone, an authenticator app such as Google Authenticator, or go to another app (particularly if its a Google app), and do that extra second step (hence 2FA) to authenticate you are who you are.

We’re entering the passwordless world. It’s long overdue!

Finally, some other links to help you navigate the digital security world.

7 phone apps you need to secure right away – if you value your privacy – this could have formed the basis of an article in itself. It’s important to just check you’re doing the best you can to secure your favourite apps.

Best antivirus: Which? Best Buys and expert buying advice – a review for both PCs and Macs of anti-virus software – of course you could just be relying and using Windows Defender (for Windows) or nothing at all (if on a Mac), both of which are acceptable decisions, which then leads into …

Everything you need to know about cybersecurity basics – an inventory of terms, some with links to free tests, and the option to purchase tools. The definitions of terms are good.

Online learning events from the u3a – especially a recurring event “Staying Safe Online – A u3a Presentation with Q&A”

I’ve been scammed – what should I do next?

So you’re an unhappy victim of a scam, apart from resolving the problem which was covered in the earlier post, what else should you do, and are there any other scams you should be aware of. Let’s look at the latter first.

Scams are not restricted to your computer, they can be “served” to you by phone or by text as well. [They can also be enacted face-to-face with vulnerable people.] The advice is constant and clear …

  1. Don’t give your details to anyone you don’t know – if in doubt say you’ll ring them back
  2. Don’t click on links in text messages (and emails of course) from people/organisations you can’t verify
  3. Don’t immediately answer a call from an unknown number, or a number withheld, if it’s a genuine call the person at the other end will speak; if they don’t, the connection will be dropped.

Then help stamp the practice out by reporting the matter to Ofcom. There are further details on how to report a scam on this page from Which? and this one from Citizens Advice.

Then there’s a UK website “Stop scams” – where you can report a scam by ringing the number 159. It works in exacgtly the same way as 101 (for the police) and 111 (for the NHS).

I would also suggest sharing details of the scam with Which? using their Scam Sharer Tool

By doing this – if you subscribe to their free newsletter – you will help others, and you, become aware of the scams that are current at that time. Here’s an example of what you’ll see delivered to your Inbox.

A couple of useful tools to check the veracity of a caller …

Who called me – a service that returns details of the likelihood, or otherwise, of the caller being a scammer …

Screenshot

… and Hiya available as an Android and iOS app – which I have to admit I’ve not tried yet …

Screenshot

So what were the “top” scams of 2024, and what should we expect in 2025? Which? in these two posts reports the past, and predicts the future …

The biggest scams of 2024

Five scams trends for 2025 – unfortunately it’s totally predictable that AI will become part of the scammer’s armoury of tools.

Scams – Part 2

Almost exactly a year ago I posted on this site, and on the Cardiff u3a Digital Matters webpage, an account of one of our member’s encounter with the Windows Defender pop-up scam.

It was indeed pleasing to be able to report that the member resolved the problem and it didn’t re-occur – as far as I know – but pop-up scams are a concern and this short post just gives some illustration of what the issue is, plus some advice on how to resolve the problem if you find your machine has been “taken over”.

I like this US video from the FTC (Federal Trade Commission) which explains the issue really well …

… and their are many more videos on scams, identity theft and the like on their website.

Perhaps the most common scam is the Tech Support Scam – which is what the Windows Defender one mentioned above was. The objective of the scammer is to get complete control of your computer by persuading the user they have a problem which can be resolved by you letting them “repair” the problem remotely – so please let them have your userid and password. Quite the opposite of course – the result will be either you’re locked out of your computer whilst the scammer harvests your personal details (bank accounts, etc), or they are going to implant malware so that they can record what you’re doing online, or use your computer as a relay (an intermediary) for other attacks on other services. Not a happy place to be then!

So read this article carefully. It describes in far greater depth and detail what these scams are and how you can remove pop-ups.

A more extensive article which explains how to reduce and remove malware from a Windows PC is provided here.

Privacy invasion

A single issue post to just alert folk to the murky world of credit reference agencies and their dual-role as data brokers – which I was (I’m ashamed to say) totally unaware of.

This came to my attention when I received an email from Experian – who I had an account with due to a data breach with my Pension provider which resulted in them giving members free 12-month access to their services – which advised that I had 19 “experienced” Soft Searches on my account with them. Now I’d not been seeking any credit recently, so this immediately sparked my interest and so I clicked on the link in the email (see above) and logged in to see what was happening. At which point I was greeted by this screen and the rather alarming sidebar, you can see here …

Screenshot

… just ponder this for a moment. I had always assumed that Experian was a credit reference agency which provided a service to organisations wishing to extend credit to consumers and businesses to give an assessment of credit worthiness. Indeed when I had an account with them, I could see my score, and you were able to challenge that if you didn’t think it looked right. But that’s all immaterial to what I was seeing on the screen. I was being asked to accept that it was perfectly OK for Experian to share personal information with their partners which included Facebook and Google. What!!!!!!!!!

This got me going, so I clicked on Settings …

Screenshot

Performance and analytics – OK, but the other two … no way! How could this be? I had to do some searching to find out that Experian (and a couple of other “credit reference agencies”) were also DATA BROKERS, and that they’d been hauled up about NOT declaring this part of their role in 2018. This appears to have been resolved now – because we are past the nine months they were given to clean-up their practices, but their other business purpose – sharing information with others would continue if you clicked on the Accept all button.

A real lesson learnt, with a secondary one being to engage brain before clicking on Accept all – the minimum requirement GDPR had imposed upon them and many others.

And what was the outcome of this. How had it come about, what is a “soft search”? The latter is explained on this page. How it had come about is more difficult to work out so this is just conjecture – our house insurance was about to come up for renewal and all 19 of the organisations who’d made an enquiry of our credit worthiness – or had been sent details of the upcoming renewal by Experian – were like these 9 …

Screenshot

… I leave you to draw your own conclusions.

SIM Locks

A really useful security enhancement to your phone is to implement a SIM lock which ensures that only the pairing of your phone with your SIM can be used together. Thus meaning that a SIM taken out of your phone cannot be used in another phone to receive confirmation text messages in financial scams.

I wrote about this in the post Stolen phone & SIM locking

Towards the bottom of the post the procedures to be followed are described. You just need to remember the PIN you’ve given to the SIM to lock it, as without that it will be IMPOSSIBLE to reconnect your phone to your SIM and your phone number.

Phil’s AI experiments

I’m thinking/hoping that Phil will be writing his own post on the subject; but I’ve just posted this article – using the form at the bottom of the Member Posts menu item from the Digital Matters tab on the website as a placeholder for his Composers work …

Composers

A new dawn for the website?

Hopefully, the changes made to the website will make it more accessible. The blog posts that members have indicated could be made public are now accessible from the Home page, without a need to login. Some of the menus have changed a bit to accommodate this change and I’ve had to do some other cosmetic changes that I challenge you to discover!!!

For members who login, they will have access to everything that was there before. The menu tabs have not changed and the Forums and Topics area remains untouched. I’m keen to encourage more registered members to use this area of the website, as I’m keen to encourage them to use the various Signal groups that have been setup. Links to these groups for members who have downloaded Signal and created an account are available from the Digital Matters tab – once you’ve logged in.

All will become clear, hopefully … in the course of time.

Cheers. David.

A.I. and magpies.

Originally posted by Philip Edwards on the Thought Grazing Forums

Hi Group.

You probably don’t know this but there have been times in the past when I’ve done a bit of writing; even managed to get things published. Sadly, upon retiring, I entered a deep period of ‘writer’s block. Strangely though I think A.I. has managed to draw me out again.

We regularly feed the resident birds in our garden. The magpies are my personal favourites. When grandchildren are around I often try to teach them the magpie rhyme; the one that goes, One for sorrow. Two for joy, three for a girl. etc. It got me thinking. Maybe I should buy them a book that illustrates the rhyme. However, I was really shocked to discover that there wasn’t one. Not even on Amazon.

So, I decided to write one myself.

I had tried using A.I. to generate images in the past. Along my A.I. journey of discovery though, I found out that it is possible to get Chat GPT to generate images for you. (There are restrictions though. You’re only allowed 3 images per day with a free account)

I started experimenting and found that I was stunned by some of the images.

https://www.amazon.co.uk/photos/share/uzB47k9GyWb5yOCwsgUVgRVsMKCrvoC4NVfwA8jrZjg

https://www.amazon.co.uk/photos/share/uzB47k9GyWb5yOCwsgUVgRVsMKCrvoC4NVfwA8jrZjg

I learned to be quite specific in my requests. It was possible to constrain the images to a certain size. It was also possible to get A.I. to add a certain number of magpies to the image however, it appears not to be able to count past three. If I asked for say seven, I’d often get some random number.

It even managed to offer me suggestions. For instance, when I asked it to suggest an image to illustrate, “seven for a secret never told,” it gave me the idea of a locked chest, lost in a forest. Genius.

Another surprise for you….I have an illustrator. A young lady by the name of Sue Rundle-Hughes. We’ve worked on projects in the past. Now, I feel that it would be wrong to use the A.I. images to illustrate a book, but surely it would be OK to use the images to illustrate my thoughts, then get the artist to flesh out the ideas with real paint and canvas.

I’ll keep you informed on the progress of the project.

— Forum Responses —

And another thing. Chat GPT appears to have an imagination. You can ask it to form an opinion. For instance.

Can you think of a good way to illustrate the line from the magpie rhyme, “four for a boy”?

Gave this response.

For “four for a boy,” an engaging illustration could depict a scene with four magpies interacting near a young boy in an English countryside or garden. Here’s an idea to bring this line to life:

To add more depth, consider adding elements that evoke a classic British setting—soft wildflowers, a gentle path, and perhaps a quaint garden wall or rustic fence nearby, creating an inviting scene of youthful discovery.

Imagine a serene, lush meadow with a young boy, perhaps around five or six years old, sitting on the ground, joyfully examining a small collection of wildflowers, pebbles, or other natural “treasures.” Nearby, four magpies are perched on branches, fence posts, or hopping around the boy, almost as if they’re sharing in his curiosity. One magpie might be holding a small trinket like a shiny button or coin, as magpies are known for their attraction to shiny objects.

Philip Edwards November 9, 2024 11:15 am

Both these posts are really interesting and I can see we now have two items to discuss when the group reconvenes. Your Composers “sapp” and this Magpie rhyme book – both using AI.

Thanks for sharing.

David Harrison November 9, 2024 3:55 pm