Richard

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  • in reply to: Looking for best water hose (not PC related) #6017
    RichardRichard
    Participant
      @sawboman
      Forumite Points: 16

      I am not sure how much you need but I think what you are looking for is something like car heater hose and a Google search found this: http://www.ebay.co.uk/itm/like/111034678782?chn=ps&adgroupid=33676502101&rlsatarget=pla-271646252788&abcId=893836&adtype=pla&merchantid=113583048&poi=&googleloc=1007050&device=c&campaignid=707291931&crdt=0

      I am NOT saying this is the best but it does come in longer lengths so you may find something suitable via that route.

      in reply to: Mortgage repayments #6015
      RichardRichard
      Participant
        @sawboman
        Forumite Points: 16

        Reply to JCD:

        That sounds familiar. I think that one agent or may be more was caught doing some sort of scam. They overvalued a house, left it sitting there for a while and when the owner was at their wits end stepped in an bought themselves or through a puppet. Once a house was known to be a ‘sticker’ no one took much interest and it was easy for the agent to put possible buyers off, you would not want this we cannot sell it, there must be a problem etc.. I only vaguely remember the issue, but I thought that it was not a long way from where you lived.

        I thought about my endowment, it ran for the full term and returned about 3 times what I paid in. But sterling pounds 35 years earlier were worth a lot more than at the end of the term.

        Edited to add the reference to the original post.

        in reply to: Mortgage repayments #5992
        RichardRichard
        Participant
          @sawboman
          Forumite Points: 16

          While I did have an endowment policy it was not tied to the mortgage and I kept the mortgage as a repayment style one. I agree with Dave’s assessment of how they work, one extra point to add might be relating to when the interest is worked out. Some do it monthly, some do it at other intervals or when the rate changes. This can be important as if you make an excess payment, it could count very quickly and affect future interest, in other cases it could be sometime before the figures are re-calculated. Things may have been cleaned up over the years but at one time it was only recalculated every year by some lenders. I have been out of that market since 1980. Though I took a passing interest when by daughter bought her house back in 2010 and my endowment part funded that venture She lead with that job and it has been all her own business.
          Another point on which I agree with Dave is that the endowment projections were straight out of the la-la land book of nursery tales. It did not really affect me but it produced about 40% to 60% of what I was told to expect.I know they left some people with serious issues. Happily my redundancy money went straight into the pension and that was one of my (few) good moves.

          Edits were to remove odd type setting instructions that appeared.

          in reply to: Lock It Down or Get Bricked #5975
          RichardRichard
          Participant
            @sawboman
            Forumite Points: 16

            Because the people with the power to stop it are clueless about such things. Bear in mind that governments want even less security so they can protect us from pedophiles and terrorists.

            Do you think that stuffing the internet full of IDIOTIC devices will help anyone including conspiracy theorists? The IDIOTIC devices are irrelevant to almost everyone, except the rubbish sellers.

            However did the world manage before encrypted  from Whatcrap? Better?

            in reply to: Lock It Down or Get Bricked #5973
            RichardRichard
            Participant
              @sawboman
              Forumite Points: 16

              I am convinced, they are crap and for that reason I have never wanted the rubbish devices. I still wonder why so many are designed to require full internet access without thoughtful controls, They to conform not to IOT, but IDIOTIC (Internet Direct Integration of Threats Including Chaos.

              Why continue to allow the sale of second rate rubbish with such known troubles for now and probably increasingly for the future?

              in reply to: Mortgage repayments #5969
              RichardRichard
              Participant
                @sawboman
                Forumite Points: 16

                Many people do not understand the way a mortgage works and it can appear daunting to try to find out. What shocked me a few years back was a chap who worked for me. His payments had been set wrongly and he had over paid for several years. The company wrote to him saying they could return the over payment or it would shorten the life of the loan by 7 years. His wife decided they should have a holiday and keep paying the interest for the extra 7 years. I did everything I could to become mortgage free as soon as possible with any spare cash or legacy going to pay of the loan. – I was pleased when I heard interest rates later went into double digits.

                in reply to: Lock It Down or Get Bricked #5967
                RichardRichard
                Participant
                  @sawboman
                  Forumite Points: 16

                  Richard, there are easy ways to fix this issue. I have seen some IoT hardware open on the set Admin password and refuse to go any further until a new Admin name and new password were set.Sadly the Chibay stuff comes with set passwords that are hard to change, and even the Raspberry Pi does not enforce security. A first log-on script could easily make that password 8+ characters including lower and upper case plus number and special character. Or ask some simple questions and tuen it into a password for the user.

                  Yes, I totally agree and more places and items are doing that with a one time password that only allows you to go to update, it is a pain for rushing first timers, but sensible for others. What I really quibble about is why the command interface is so easily accessed to allow ‘serious updates and modifications’ to be dropped in. I guess that there is not too much that can be done with cheap camera devices, so they do not see any point in doing a respectable job, this is the Chibay-junk marketers dream, stuff in a nut shell, all show, no go. Perhaps there is also a bit of ‘wow it works’ also involved without thinking through the constantly emerging new threat opportunities.

                  Edit,

                  I read some of the other posts, the use of SOC chips from old generations with severely limited fixed capabilities is an almost uncorrectable problem, should these devices really be let lose without some guardhouse function interfacing them to the rest of the world? Many of them are very cheap devices right out of their depth in today’s world of threat and ever changing menaces. I am starting to think that some form of minimum construction standards might been to be set as there are with electrical devices, cars, trucks, etc.

                  If governments cannot bring them selves to do something I can see the likes of the insurance industry starting to take a look via liability clauses and the like, do this, or introduce that and your cover is blown.

                  in reply to: Got me New Wheels. #5940
                  RichardRichard
                  Participant
                    @sawboman
                    Forumite Points: 16

                    I am afraid I cannot get  fired up by the sensors as they are always going off at the wrong times. I have about 0.5 cm each side between the mirrors and the garage door frame, it drives the sensors nuts until I switch them off. The camera is only slightly more useful, I pretty much use the mirror exclusively. Perhaps I am just too old to change my ways that much. The lane guides are another pain, many of our small lanes have very frayed edges and the sounder keeps sounding off for every pot hole… I do not like its beeping.  Mind you I have not used the new car that much as I keep the old one for my daughters dogs now that it is fixed.

                    in reply to: Lock It Down or Get Bricked #5936
                    RichardRichard
                    Participant
                      @sawboman
                      Forumite Points: 16

                      This is an ethical mind f+*k It’s bad, but could be ultimately be a good thing. Maybe? I really don’t know how I feel about it. Probably won’t change a thing… But it may.

                      I agree with you Steve. If the right people heard about it and took action then it would be good, but the ones who need to know would probably not understand either the issue nor how to deal with its implications, so I agree with you it probably won’t change a thing.

                      Is there ever a good reason why mass market items should expose their admin interface as a default, I nearly said ever? Perhaps it should be made hard to open it up so that the user would have to search it out and be motivated enough to make some security efforts. Sadly cheap and nasty always wins. I saw that a ‘personal toy item’ had similar public facing issues, why have a camera and mike on something like that and compound the issue with an open access doorway?

                      in reply to: W10 wooopsie! #5930
                      RichardRichard
                      Participant
                        @sawboman
                        Forumite Points: 16

                        You can either create a USB bootable key, with the tool or do an ‘upgrade’ there and then. If you down load the tool ‘for another machine’ you can create the key for either 32 bit or 64, or at least you could last time I looked. I really ought to make an updated key for myself in case I need to get working on my wife’s computer.

                        I have never heard of a ‘forced’ update right away using that system.

                        in reply to: W10 wooopsie! #5917
                        RichardRichard
                        Participant
                          @sawboman
                          Forumite Points: 16

                          Yes I have done it a couple of times when disks have died or some other issue got in the way. I just whacked the latest 10 on the machine and it still spent the next few days updating everything, but it registered fine. I have never had an MS account on any of the machines, I saw no use for it so I did not create one for any of the five devices I have processed.

                          in reply to: What are you listening to (new or old)? #5906
                          RichardRichard
                          Participant
                            @sawboman
                            Forumite Points: 16

                            I’m more of a Swingles Keyboard classics or Electronica type of person, but Music is like Brexit – most people have their own firmly held views. Music takes many forms and can even provide a suitable accompaniment for political events!

                            If we’re comparing music to brexit, then I’m on the out side. I just have no time for music of any description. I find it a waste of time. Rather have a book playing in the background, or a podcast of some description.

                            As long as I do not have to listen to other people’s choices and they do not have to listen to mine, why should I care? That is a sujbect for live and let live, though SWMBO’s choice and mine never align. She likes what I feel sounds like the wounded bulls greatest agonies and cat strangler and the scratchers moaning and screaming. She derides my choices as being ‘old’. Music is only ever a background for me, though sometimes I find it evokes memories of times that will never be again and I stop whatever I am doing – if circumstances allow.

                            When I had time I enjoyed country and Western way back, it reminds me of times spent listening to the radio in the Middle East. I have not listened to Tom Paxton in a long while, perhaps I should dig the records out again and drive the house mad.

                            in reply to: What are you listening to (new or old)? #5895
                            RichardRichard
                            Participant
                              @sawboman
                              Forumite Points: 16

                              It probably will not surprise you to know that NONE of the above means a single thing to me, except for the thread title. The simple reply from me is the Beethoven on R3 right now, with a full variety of mostly pleasant stuff for the rest of the day. Les.

                              Yes, a good choice though even they do go all weird from time to time.

                              in reply to: What are you listening to (new or old)? #5872
                              RichardRichard
                              Participant
                                @sawboman
                                Forumite Points: 16

                                I tend to have little time to listen to music and lack any inclination to seek it out. When music is presented to me and I have time to listen I prefer ‘non recent’ productions of anything that jells with my mood at that (rare) time. My Hi Fi has probably not been switched on in 25 years and that was probably when it was re-setup and tested after a move. One of the then young children had very sensitive hearing so the rooms with a ‘musical capability’ tended not to be used.

                                in reply to: Got me New Wheels. #5871
                                RichardRichard
                                Participant
                                  @sawboman
                                  Forumite Points: 16

                                  Congratulations and good news that you and yours are both happy. Does the passenger seat have height adjustment? Some can be raised and lowered electrically, if available it might help.

                                  in reply to: How to search for files/folders in Win10? #5864
                                  RichardRichard
                                  Participant
                                    @sawboman
                                    Forumite Points: 16

                                    I find the search box, top right hand corner of File Explorer better than cortina* or whatever it is called. That stupid MS thing could not find itself if it was caught in a beam of a searchlight.

                                    Deliberate spelling

                                    in reply to: Brexit Promises #5863
                                    RichardRichard
                                    Participant
                                      @sawboman
                                      Forumite Points: 16

                                      Should we wrap this thread up now? It’s been done to death a year ago. the only thing that came of it was bad feelings and a dip in traffic for a month of so.

                                      Yes, I agree let it die and move onto better more useful things. Religion and politics are rarely good debating subjects and this appears to immerse itself in both

                                      in reply to: Brexit Promises #5860
                                      RichardRichard
                                      Participant
                                        @sawboman
                                        Forumite Points: 16

                                        If it goes badly it will be the Remainers fault because they weren’t behind something they didn’t agree with. Surely if the plan is that robust it can stand up to being questioned?

                                        I am not sure if you have ever been involved in large contract negotiations or in international discussions. The first rule in both cases is for your team to present a united face to the opposition. Remember the contractor(s) want as much money as possible for the least amount of effort. The US international delegations were famous for the zeal with which they did not accept any dissent in their team. Many of the USA proposals were favoured for ‘commercial reasons’. If a word was said against the ideas, a plane awaited their delegate. It is fine for a loyal opposition to put forward ideas and demands for their national delegations listing what they want to achieve. It is less than helpful for snipping to be wholly destructive such as; “you lot cannot get anything and it will all go wrong anyway so give up and take whatever you can get”. I never experienced a situation in which the game plan was leaked by either side prior to starting negotiations. I do not just meant the stupid proposals such as I hear frequently at the moment, for example:

                                        Give Spain Gibraltar or you will get nothing.

                                        We support Scotland for the EU whatever you think.

                                        Then the EU having the gall to complain when such taunts get the response they deserve.

                                        In this case several have suggested as a tactic not asking for anything at the start, and let the other side face silence. They are braced to say no to everything and face an issue when there is nothing to reject.

                                        The very last thing that the UK needs is to descend into a EU style bunch of feral cat like disputes.

                                        I see Hungary have just struck a prime blow for intellectual freedom.

                                        Oops sorry, that should be against academic freedom.

                                        It is perhaps a pity that many TAW* branches put up Vote Leave Banners. The only thing the TAWs* agree on is spending other people’s money.

                                        *TAWs the tax and waste party, used to be called Labour now, does anyone know? Anti Semite war zone perhaps?

                                        in reply to: Brexit Promises #5855
                                        RichardRichard
                                        Participant
                                          @sawboman
                                          Forumite Points: 16

                                          Not quite the same Richard, The number of homicides is roughly 20% higher, 2010s versus 1960s. (Government stats). The ‘why’ is probably a bigger question as National Service was pretty much already over in the 1960s, so that hoary reason cannot be used. Booze is probably cheaper and stronger than it was back then, so that may be a factor. That said, most murders, both then and now are family affairs. Unfortunately Government stats do not allow you to delve too far into the details to be able to draw meaningful comparisons for young adult crime.

                                          I am not sure what point you are making, though as others have said the population is also higher so the rate issue is moot. The area in question was poor in the fifties/sixties and no better now is what I was saying.  That there are additional stresses there now is indisputable, incomers do destabilise even otherwise stable areas. It is certainly not an area to walk through at night and absolutely not at closing time. It is more than wise to avoid the area until the drunks and druggies have left the scene. Sadly this is all too common across the country. Was there really a racial motive, the evidence makes that look a dodgy or at best unproven theorem. It appeared that more then one race was involved in the gang. Many areas of London are very territorial, remember the Post Codes gangs? I suspect that had they found, e.g. a Geordi or anyone else clearly not from their area a fight would have been the likely outcome. Was the murder in Wales I spoke about also racist? I thought not it was just a thug on a night out. The rate of murders is not the issue, though drugs and cheap drink might be increasingly important factors, in current incidents. The proportion of young men does tend to be a deciding factor, though in the Croydon case several females appeared to have been the focus of police attention. Increasing female violence is a recent talking point – this may or may not be relevant to the discussion.

                                          in reply to: Flying Turkey Redux #5840
                                          RichardRichard
                                          Participant
                                            @sawboman
                                            Forumite Points: 16

                                            Ed, having read a little more, I feel you may have been too kind.

                                            Its best potential is as a ground target decoy, it could look the part while doing nothing too serious to anyone. A shame it is more expensive than canvas, wood and paint

                                          Viewing 20 posts - 1,781 through 1,800 (of 1,999 total)