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.

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

Notes of meeting – 26th September (Amazon)

In David’s absence the meeting was led by Jonathan and Phil.

Amazon and Online retailing

Jonathan introduced the topic of online shopping offering a number of reasons why we might want to moderate our shopping with Amazon. His primary concern was the impact of Amazon, and other online retailers, on our local shopping centres –  such as the loss of over 1000 bookshops in UK since Amazon came on the scene. He mentioned his many efforts over the last year or so  trying to persuade members of the U3A’s Ukulele Group to first try  our local  music shops rather than Amazon on the basis of “ use it or lose it” . And the reason he had raised it here now was  news that we have now lost it  – in the form of  Gamlin’s music shop in the City Centre – due to close the following day!

Rather than summarising Jonathan’s main points here ( and to avoid accusations of bias! ) he has taken Ian’s advice in asking AI for “ reasons to consider alternatives to  Amazon “. Gemini’s conclusions are reproduced below!

There was a healthy discussion in response which was almost universally in favour of shopping with Amazon! Jonathan just hopes that members will remember that “ other retailers are available”!

Reasons to Consider Alternatives to Amazon (Gemini AI)

While Amazon offers convenience and a vast product selection, there are several reasons why some people choose to shop elsewhere:

Ethical and Environmental Concerns:

  • Worker Treatment: Amazon has faced criticism for its treatment of workers, including long hours, low wages, and demanding quotas.
  • Environmental Impact: The company’s rapid growth and reliance on shipping have raised concerns about its carbon footprint and impact on packaging waste.
  • Anti-competitive Practices: Some argue that Amazon’s dominance in the market can stifle competition and harm smaller businesses.

Supporting Local Economies:

  • Community Impact: Shopping locally can help support your community by keeping money within your area.
  • Personal Relationships: Building relationships with local businesses can provide personalized service and a sense of connection.

Privacy and Data Concerns:

  • Data Collection: Amazon collects a significant amount of customer data, which can raise privacy concerns.
  • Targeted Advertising: The company uses this data to personalize ads and offers, which can be intrusive for some.

Product Quality and Authenticity:

  • Counterfeit Products: While Amazon has measures in place to combat counterfeit goods, there is still a risk of purchasing fake or low-quality items.

Alternative Shopping Experiences:

  • Supporting Independent Businesses: Shopping from smaller businesses can help promote diversity and innovation.
  • In-Person Shopping: Visiting physical stores can provide a more immersive and tactile shopping experience.

Ultimately, the decision of whether or not to shop with Amazon is a personal one. By considering these factors, you can make an informed choice that aligns with your values and preferences.

Apple “Notes”.                                                                                                                          

Phil briefed the group on the Notes app available on Apple devices along with further anecdotes about life with an electronic can opener.

“With Notes, you can capture a quick thought, create checklists, sketch ideas and more. And with iCloud, you can keep your notes updated across all of your devices.”

Any other business

Tony mentioned a laptop problem he had and asked for advice on how to fix it. “We will fix your PC “ was the  universal reply!                                                  

39 Lambourne Crescent, Cardiff Business Park, Llanishen, CF14 5GG. 

07999 056 096   or   02920 766 039.

Email neil@wewillfixyourpc.co.uk

Notes of meeting – 12th September

Well, it seems a long-time since I last wrote up some notes of a meeting. They are probably of more use to those who didn’t attend rather than those who did!

Anyway we had 17 members – including one new member (Sue) – which was a good number for a meeting that Ian pointedly advised me was taking-place actually before the programmed date for meetings to start! I must have had it in mind to get a meeting in before my absence on the 26th September. I advised that we would have to start with a meeting fee of £3 to cover the cost of hiring the room, but if we built-up a surplus we could hopefully reduce it, or have a “free” week!

I advised that my adventure with smart home and energy was still ongoing and that I’d updated the notes I’d prepared for the last meeting on September 6th with our experience of changing the Octopus tariff we were on. I also reported that the next project was to examine the possibility of installing a smart emersion switch. There are not many of these to choose from as they require a 16amp circuit from the distribution box, but it is a relatively easy DIY job to swap out the old clockwork time switch and replace it with a smart one. Why would we want to do that? Well, With Octopus Agile they have plunge pricing which means that on occasion they pay you to take electricity from the Grid, and there’s always cheap electricity from 02:00 to 05:00 every day. More about that later on … possibly!

We have replaced the front windows with triple glazing and that did create quite a lot of extra work, and did involve a limited amount of redecoration. Worth it though if not financially, then at least heatwise!

I also reported on the horror show that I’d had to go through with having to migrate all my domains and websites from one provider to another. An anxiety raising process which I’m glad is behind me, although I suspect there will be a couple of glitches ahead.

I then invited members to send me ASAP any ideas for subjects to discuss over the next few months, and one came up in the course of the meeting – we will look at TVs (and home entertainment in general) before Christmas. I also asked for volunteers to facilitate the next meeting as I wouldn’t be available. I’m pleased to say that Phil and Jonathan have agreed to do a joint show on smart watches and online retailing (esp. Amazon) – as usual I’m sorry to be missing it. More about that in the email I’ll be sending after finishing the is post.

And so I handed the meeting over to you. Here are some notes …

Ian was approaching the point where he was about to buy a replacement iMac with a M3 chip. Good choice. I reported that I’d also suggested two other alternatives – purchasing a monitor and a) buying an Apple MacMini, or b) buying a laptop. Both of these could be used with existing keyboards and mice. We also touched on the Refurbish Store that Apple puts machines/equipment on that is either off their current store offering, or alternatively has been returned to be re-packaged. Possibly only due to damage to the original packaging. These have a warranty/guarantee and are a much “safer” way of buying slightly older equipment at discount, rather than buying second-hand.

Anne asked what is Javascript, and should she install it – as it was being requested by a an online learning website. Phil assured her that it was entirely safe and was just additional code that made a website work better. She also reported what appeared to be a glitch on a NHS website where she couldn’t enter her personal details as it precluded anyone over the age of 70 putting a DoB in!! The general consensus was this must be a glitch. Sianed provided some very valuable additional information to the meeting about why you couldn’t get a root canal filling done at your local dentist unless they were registered endodontists, and gave the subtle advice that it was probably better to go private rather than wait for a NHS appointment (2 years) as it might well be done by a student (who she might be supervising). [At this point I related the experience I’d recently had of discovering that a Flip video camera I had purchased back in 2007-9 didn’t allow me to set the date beyond 2020 – built-in obsolescence in firmware even thought the device works perfectly.]

Tony raised a number of interesting points. He’d just been prompted that his service supplier was retiring 3G, and was happy that he’d been able to move to 4G. Was this always to be the case? Well no. The number of 3G masts were decreasing, the number of 5G ones increasing. Eventually, you’ll not be able to use a 3G phone, and will need to get one that uses 4G. You should never need the bandwidth that 5G gives you – mainly high-resolution video streaming and gaming, and it won’t be retired in the majority of our lifetimes. What is interesting is that 3G (introduced in 2001) will disappear before 2G.

He also felt that it was probably time to “retire” his iPhone XR – and he’s probably right (see this article).

… and thought that perhaps it was time to replace his current HP Pavilion laptop and asked for recommendations. I suggested Dell as a reliable (but unexciting) choice, Phil suggested Acer and Asus were good, others felt that HP were good. I suggested that it must be a very personal choice and it would be best in this case to go to Currys/PC World and get some advice remembering that you shouldn’t buy a machine that has low RAM as RAM is more important than the new whizzy processor.

Finally he praised the “outrageously” good Octopus Customer Support but was frustrated by the billing linked to smart meters. I advised that this resolved itself after a short while. At this point Ahmed reported issues with getting his gas meter changed to a smart meter by Octopus. [There’s a lot of pressure on smart meter installations at the moment, so perhaps the work had got “lost”. Hopefully it will be resolved soon.]

Chris asked for help in getting old negative film into digital format. I advised that I had a Veho slide scanner that I was very happy with. Phil (after the meeting) shared this YouTube link.

Sheila was also thinking about replacing her iPhone 11, so the link above may help her come to a decision. She also caused much mirth and hilarity by describing her robot vacuum, which Stella then augmented by her own experience. Obviously a lot of fun to be had! She also suggested that all members not on Smart Meters should read their meters before 30th September before the new energy pricing came in.

Stella was thinking of replacing her TV, which prompted me to suggest I did a session before Christmas on TVs (and home entertainment generally).

Ralph was having real problems with the billing/invoicing from his energy supplier – Ovo. They suggested they owed him over a £1000, and he knew that not to be the case. Phil suggested strongly that he write to the company, and if a satisfactory response was not received to write to Ofgen. [On reflection, I would suggest MoneySavingExpert and Citizens Advice as well.]

Jim had purchased a new external SSD (2Tb) for his laptop (Lenovo – not recommended) as the 1Tb one he had for back-up was now full! Perhaps a session on Back-up and Archiving might be a good idea???

Lynette and Yvonne were both also considering replacing their iPhones – perhaps it might be a good idea to have a session on that. I can’t widen it to Android as I don’t have any experience of those devices. I suggested that the iPhone 14 (still a current model at c.£599 would be a good choice, but again see the link above).

Renee reported that she’d been quite impressed by her use of the AI software Perplexity in producing sensible answers to well-crafted questions.

Sue reported that she was somewhat unhappy with a recent upgrade she’d done to her Samsung phone, but was very concerned at the rise of scams, and in particular one that had hit her daughter hard.

Ahmed – I have just one word in my notes CostCo, but I can’t remember why? Please help and I’ll update.

Fred was continuing his journey out of health setbacks and was now “enjoying” the results of successful cataract operations on both eyes so hoped to be able to see his screens better soon 🙂

All the time had then be spent so I didn’t have time to do an update on News items. If I had I’d have highlighted the following links which are on Flipboard.

Ian has shared articles from The New York Times – you can get a free registration to read, and Iain has shared articles from Medium – which again you can get free access to (I believe). He also encouraged me to subscribe to Benedict’s Newsletter, which has some interesting points each week.

So my “news” – interesting article on how it’s now much easier to transfer photos from iCloud Apple Photos to Google Photos. Thank goodness.

Some information on what Single Sign On (SSO) is, and how to use it – I’ll cover this in our next security/privacy session, and then also advice on why you shouldn’t use Facebook or Google for SSO.

Iain had shared on Flipboard this article from the Guardian – ‘Never summon a power you can’t control’: Yuval Noah Harari on how AI could threaten democracy and divide the world – with other posts on Signal from Ian and Phil I think as well, I guess we ought to have an annual “Review of AI” session.

Another theme over the summer has been the conflict between Big Tech – Apple, Facebook, Amazon, Google – and government. Huge fines being imposed, and requirements (particularly from the EU) to change the way that companies operate. Some of it good, some of it perhaps ill-thought out. Another session maybe – perhaps a debate???

There were more links I’d bookmarked to discuss – but they’re all on Flipboard, so please go and have a look at what your fellow members have added, and become a contributor yourself. It’s very easy to add articles to the Thought grazing magazine.