* Posts by jonathanb

1993 posts • joined 14 Aug 2009

Amazon takes swipe at PayPal, Square with card reader for mobes

jonathanb
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Re: Oh joy

Merchants don't deal directly with Visa or Mastercard. At the moment your typical shop deals with someone like RBS Streamline or Barclays Merchant Services, so PayPal and Amazon are competing with them.

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What's the nature of your emergency, Vodafone?

jonathanb
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Re: Bit odd

A lot of the call centres use landlines supplied by what was Cable and Wireless, now owned by Vodafone. I think that is what they are referring to.

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America's hot and cold spots for broadband revealed in new map

jonathanb
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Re: Hungary

Actually that's not true. There are places in central London where the connection speed is surprisingly low.

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Stalwart hatchback gets a plug-in: Volkswagen e-Golf

jonathanb
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Re: Same old

My diesel Aygo can get me from London to Glasgow and most of the way back on a single tank if I drive carefully, but usually I fill up in Glasgow before I leave.

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Scottish independence debate: STV player flops under weight of viewers

jonathanb
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Re: Std Dirty tricks by tory boys of the westminster clan

I live in England and therefore don't have a vote. However I'm interested in the debate because I moved here from Scotland about 15 years ago, I have family still living there, and I have bank accounts and a pension fund in Scotland and would like to know what currency they would be denominated in post-independence. I did manage to watch the debate courtesy of Freesat, and now know that nobody knows the answer to my question.

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jonathanb
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Re: Put it on Youtube

Some people in Quebec want to leave Canada.

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Wireless charging stretches the friendship by 45mm

jonathanb
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Wired kettle, yes. Is there any other sort? It sits on a cradle and is really easy to remove it to fill up and pour out the boiling water, and anyway it is 3kW, and I'm not going to wait for ever for a 2kW model to boil when such a device does come out.

The remotes run on rechargeable AA and AAA batteries.

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Microsoft: IE11 for Windows Phone 8.1 is TOO GOOD. So we'll cripple it like Safari

jonathanb
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Re: Temporarily allow all this page

Looks fine on my copy of Firefox 31.

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jonathanb
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WTF?

Internet explorer pretending to be Firefox

Gosh, things really have changed.

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It's official: You can now legally carrier-unlock your mobile in the US

jonathanb
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Re: Bizarre...

The big advantage is that if you go abroad, you can buy a local SIM and avoid roaming charges.

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Microsoft's Euro cloud darkens: US FEDS can dig into foreign servers

jonathanb
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Re: Nail in the cloud?

Putting your data on a Microsoft server in Ireland rather than one outside the EU would comply with EU data protection laws, however it now appears that those rules are ineffective and need to be reviewed. But how do you do that? The contract is with Microsoft Operations Ireland Ltd, a company registered in an EU country. Ownership of an Irish company or a company based anywhere else in the EU could change at any time.

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Pentagon hacker McKinnon can't visit sick dad for fear of extradition

jonathanb
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They are aware of the difference, certainly after Abdul Al-Megrabi (lockerbie bomber) was released from prison on compassionate grounds by the Scottish Justice Secretary, and the English government told them they had no powers to intervene because it was a different country. It should be noted that the English Justice Secretary took the same action with regards to Ronnie Biggs at around the same time.

Another suggestion I would as is that he should not fly to Scotland, he should go by road or rail. Airlines are required to check the ID of people flying on their planes, and usually people show their passport though most airlines will accept alternative forms of ID.

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Operators get the FEAR as Ofcom proposes 275% hike in mobile spectrum fees

jonathanb
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Re: Won't affect customers?

O2's contracts say that they will increase by inflation every year, which is allowed. They can't increase by more than inflation.

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Trying to sell your house? It'd better have KILLER mobile coverage

jonathanb
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Re: mobiles, do yer really need them

Mobiles usually work out cheaper, especially to call other mobiles, and it is the number everyone calls me on because there is a better chance of me answering it.

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Apple 'sapphire glass' fronts for iPhone 6? It's NEWS to SUPPLIERS

jonathanb
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I think this is about making the screen shatter proof rather than scratch proof.

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Yorkshire cops fail to grasp principle behind BT Fon Wi-Fi network

jonathanb
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Re: I have to defend the police here...

No, everyone who has a BT line has a choice of lots of different ISPs. There may be a choice of two different lines from the street cabinet to the local exchange, one copper and one fibre, and after that it goes in lots of different directions.

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Feel free to BONK on the TUBE, says Transport for London

jonathanb
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Re: How will this work?

The card needs to be about a centimetre away from the yellow card reader before it will pick it up, so no. I have an Oyster card, an ITSO card issued by my local bus company and several pay by bonk debit cards in my wallet, but like you, usually use a paper season ticket because it is cheaper, and I've never had any problems.

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jonathanb
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Re: Bloke down the tube station ticket office the other night...

A bank such as Raphaels or Clydesdale will offer a contactless prepaid card, and will put the tour operator's branding on it if the volumes are high enough.

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Android ransomware demands 12x more cash, targets English-speakers

jonathanb
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I suspect the people making money are the ones selling the ransomware kits as a sort of "get rich quick" scheme rather than the ones who buy and distribute them.

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Major problems beset UK ISP filth filters: But it's OK, nobody uses them

jonathanb
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Re: BT

It is in the account management settings of the website. I saw it when I added the free sky wifi thing to my account.

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Hi-tech Fagin couple used Apple scam cash to fly pickpockets to UK

jonathanb
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Re: To be fair....

"A 70's hair style" is correct, because it is a hair style that belongs to the 1970s.

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Dungeons & Dragons relaunches with 'freemium' version 5.0

jonathanb
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Re: Or use Calibre

If the pdf was designed for A6 sized paper, it will be fine. If it was designed for anything bigger than that, then it might not be fine.

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BT: Whew, we've been cleared of major privacy breach. Oh SNAP, another webmail blunder

jonathanb
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A small minority of customers use BT's email rather than a third party service, so it is probably true.

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Microsoft takes on Chromebook with low-cost Windows laptops

jonathanb
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I believe "Windows 8.1 with Bing" is Windows RT with a slightly less annoying UI and a few other bug fixes.

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'The writing is TOO SMALL': MPs row over Parliamentary move to Office 365

jonathanb
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Re: Really?

It's not free anyway. Google Apps is £33 per user per year, Office 365 is £39.60 per user per year. Both are of course the list price, and government discounts will be available.

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Presto! After Supreme Court loss, Aereo says it's a cable company now

jonathanb
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Re: tvcatchup.com?

TV Catchup has been to court. A lot of the channels have gone. Those that remain are the ones that the law requires them to be allowed to run - all the BBC channels + ITV 1/STV/UTV, Channel 4 and Channel 5, plus a few where the channel owner has agreed to allow them to run it.

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BT slapped down by BSkyB over O2 broadband 'switch off' porkies

jonathanb
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Maybe I was lucky

When my O2 service switched over to Sky, the only things I noticed were:

I had a new static IP. They told me what it was in advance. So I had to change my DNS records, and opt out of the Spamhuas PBL again.

My bill is now £2.50 per month cheaper.

Apart from that, everything is working fine, at much the same speed as before.

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New Bluetooth tech lets you control 4 BILLION lightbulbs at once

jonathanb
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Re: I dont kwow why

They have, but most people find it easier to locate a light switch that is always on the same place on their wall than it is to locate a remote control, especially if it is dark.

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jonathanb
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Re: Stuff this..

I have some 50W MR11 halogens which produce 680 lumens. The brightest LEDs I can find produce about half the number of lumens.

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Euro banks warned off Bitcoin as Canada regulates it

jonathanb
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Re: I'm not surprised

Paypal is registered with the Commission de Surveillance du Secteur Financier in Luxembourg as an electronic money issuer, it keeps customer funds in a segregated bank account and meets the capital adequacy requirements. A lot of people think those regulations don't go far enough in protecting consumers, but it is better than having no protection at all.

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Google de-listing of BBC article 'broke UK and Euro public interest laws' - So WHY do it?

jonathanb
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Re: not illegal

That is different. Google do have editorial discretion when deciding which links they consider to be the most relevant for any given search term, and choosing high quality websites that don't have keyword stuffing in hidden text is perfectly acceptable.

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London officials won't take Uber to court – because cabbies are suing the drivers anyway

jonathanb
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Re: Private Hire Meters..?

This is about a rule that is specific to London. There may be other cities apart from London that ban private hire vehicles from having meters, but in most other places, they are allowed.

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jonathanb
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Re: Insurance?

They are registered as a private hire service, and the drivers are registered as private hire vehicles. Other private hire services give you a quote for the journey before the vehicle is sent to you, which may be based on distance, traffic conditions etc, and if you accept that quote, that is what you pay, regardless of what happens on the road afterwards.

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Microsoft compliance police to NHS: We want your money

jonathanb
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Re: What is wrong with getting software from someone else?

How many people use Word Macros? It is mostly used for relatively straightforward letters and reports. Reports might be worked on by several people, and track changes is useful for that, but I've never seen macros used in the wild.

Excel is different, people frequently misuse macros there, though I've yet to see a problem for which Excel macros were the correct answer.

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jonathanb
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Re: Time to say you're looking at those RedHat/SUSE/Ubuntu install DVDs?

The NHS is the 4th largest employer in the world, and if you look at the ones that are bigger, People's Liberation Army, Indian Railways and Walmart, the NHS probably has a higher proportion of staff with desks and computers. Therefore they are likely to be Microsoft's biggest account.

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Maplin Electronics sold for £85m to Rutland Partners

jonathanb
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Re: How the sale went down

The staff in my local Maplin are really helpful and know their stuff, and as far as I'm aware, they don't even offer extended warranties.

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Google adds 'data protection' WARNING to Euro search results

jonathanb
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Re: What adwords

I searched for "car rental" on google.co.uk and google.com

google.co.uk gave me lots of local results for car rental places in my town, google.com did not. However the adwords links for both looked pretty much the same, for various uk based national car rental places and price comparison services.

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Microsoft is still touting Android smartphones – meet the new Nokia X2

jonathanb
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Re: Target Market ?

India and Pakistan are two of the launch markets.

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Google starts selling Glass to Brits – for £1,000 a pop

This post has been deleted by a moderator

#YO_NO! Messaging app 'Yo' gets hit by hackers

jonathanb
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Re: Something smells rotten here...

And what benefits does having an office in San Francisco bring to this company vs having an office in for example Bangalore?

Obviously San Francisco attracts the best programmers in the world, including the best from India, and that is of benefit to companies with more demanding tech requirements, but not for this company.

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Silent, spacious and... well, insipid: Citroën's electric C-Zero car

jonathanb
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Re: Electric cars just aren't there yet.

A lot of people don't realise that electric cars were around before diesel and petrol cars were invented. They were at their most popular when they were competing with steam and horse powered vehicles.

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Today's get-rich-quick scheme: Build your own bank

jonathanb
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Re: Slight snag.

No they don't. A lot of people don't understand fractional reserve, and make this mistake.

To make the numbers easy, lets assume the fractional reserve percentage is 10%. In reality it is more like 6%. Lets also assume for simplicity that I am the only person that deposits money in the bank, there is only one borrower, and that borrower uses all the money to buy stuff from me.

I deposit £1000 in a bank. The bank retains £100 of that as a reserve and lends out £900.

The borrower comes into the bank for the £900 loan. The debit is the £900 loan. The credit is the £900 of my cash that is handed to the borrower over the counter.

The borrower then buys some stuff from me for £900. I deposit that £900 in my bank account. My account now has a balance of £1900. The bank retains £90 of that as a reserve, total reserve £190. They lend out £810.

Repeat this process many times over. I now have £10,000 in my bank account. The bank has £1000 in reserve, all of my original cash. The borrower owes the bank £9000.

Lets now add a small complication and assume the borrower doesn't withdraw the money as cash. Instead he opens an account with the bank and has the borrowed money transferred into it.

For the initial £900 loan, the debit is still the loan. Now the credit is to put the money into the borrower's bank account, instead of handing over the cash. The borrower pays for my stuff by bank transfer so the credit is transferred from the borrower's bank account to mine. The end result is the same as for a cash transaction.

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jonathanb
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Re: Priced out

Living in the UK, I don't have to pay for cheque blanks to be printed, but then, I can't actually remember when I last wrote a cheque. Very few people accept them as a form of payment these days.

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jonathanb
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Re: fractional reserve banking

Fractional reserve banking works because I only actually withdraw about 5% of the money I receive. The rest is paid to people in the form of bank transfers or card payments (another form of bank transfer), so while it may move from one bank to another, it never actually leaves the system, and for an individual bank, my transfers out will be matched by customers of other banks transferring money in.

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jonathanb
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Re: @Chris Miller

No, fractional reserve means that your reserves are a fraction of your deposits. So for example if the fractional reserve percentage is a typical 6%, you could lend out about 94% of your deposits. The exact reserve percentage depends on the type of deposits you receive and the type of loans you make. The credit multiplier effect comes from people depositing borrowed money back into the banking system, possibly in the same bank.

What this article describes is essentially what Paypal does already. Paypal doesn't lend out money, all of their customer funds are deposited in a bank account, though it isn't necessarily at the Luxembourg Central Bank. They have some advantages for transactions involving small amounts of money, but nobody deposits their entire salary in there, and businesses that receive all their money from customers via Paypal tend to transfer the bulk of it out to a bank account elsewhere.

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Tor is '90 per cent of the net' claims City of London Police Commish – and he's dead wrong

jonathanb
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Re: More likely - 90% of TOR traffic is P2P

No, Bittorrent for example is way bigger than TOR. You might for example use TOR to find where a bittorrent tracker is located, but that is very little data compared to the traffic you generate once you find it.

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jonathanb
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That is not going to happen. There are only three clauses of Magna Carta that haven't been repealed. The one that guarantees independence to the City of London, the one that guarantees trial by jury and the one that guarantees the freedom of the Church of England.

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jonathanb
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Re: Maybe...

Most of the financial sector these days is Canary Wharf (Tower Hamlets), and Mayfair (Westminster). Both are within the Met's patch rather than the City of London Police area.

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Assange™ makes fresh bid for FREEDOM from Scotland Yard's 'physical encirclement'

jonathanb
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Re: Maybe he could get out by

The Equadorian Embassy is within an apartment building. They don't actually own the land, just the internal non-structural walls and the area inside them.

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Internet of Things fridges? Pfft. So how does my milk carton know when it's empty?

jonathanb
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Re: Well... let's see...

There is also the fact that if I'm going on holiday, I run down my stocks of perishable stuff before I go, and leave the fridge mostly empty, so I don't return to a fridge full of rotting food.

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