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  • FIRST POST
    • Karmacat
    • By Karmacat 2nd Jan 18, 3:38 PM
    • 28,542Posts
    • 161,028Thanks
    Karmacat
    Travelling On
    • #1
    • 2nd Jan 18, 3:38 PM
    Travelling On 2nd Jan 18 at 3:38 PM
    2018 really is a “travelling on” year for me: the final push, as far as finances and organisation are concerned. But I still need to look after the rest of me, so here it all is, adapted from the review I did on the last few pages of my previous diary:

    Make good memories.
    Building on last year. Carrying on reconnecting with old friends and new.
    Make new friends, especially locally.
    Our little board games group - we're all retired now!
    Rejoin the local writing group?

    Plus holidays and creative work, see below.

    Holidays
    A UK holiday for all three of us, probably to Hadrian's Wall.
    A cruise: current thinking is a 14 day-er with Tui to Norway; you could really do Norway in that time.

    Creativity
    I wanted to do lots of writing around one blog, and lots of design work around another, and I haven't done either of those things. I've missed it. A second edition of my original kindle book is needed, a new kindle is nearly ready, I can do a novel. There are a couple of options for another factual one.

    And if I'm ever going to design any cat cards or geometric patterns, this is the year.

    Jobs around the house
    The house is definitely my house now, not a work-live space. Replaster the hall, repair the hardstanding and the patio, some electrical work on the ground floor. Lots of other bits that are really little.

    Garden
    Weeding, getting compost, topsoil and bark chippings down, so I can plant edible perennials.
    Frences need weatherproofing. Prunings from hedging plants need burning to add to the soil.

    Health
    I'm carrying on
    getting better – need to get enough sleep. And I need stamina and strength – just enough to have a day out in London for instance.
    Healthy walks run by the local council. Dance classes, by the end of the year?

    Finances.
    MSE wins
    Swagbucks and You Gov right now, but I'll be going for Pinecone Research and Prolific Academic. Anything of that type that I can do from my armchair!
    Pensions
    I haven't done anything – luckily, the Stock Market hasn't collapsed, but I really do need to safeguard it, simply because I don't earn money any more.
    Online Sales
    I've kept some items back from the charity shop, things that will probably net £5 or more. Spread throughout the year, do it or donate it.
    Change current account
    HSBC have irritated me with their crazy fraud software for the last time. When my Regular Saver terminates, I'm moving.
    Insurance
    I just renewed last year, for ease, it was less than a month after the funeral. But I want a cheaper alternative, and I need to get quotes for insurance of all this jewellery I now have.

    Accounts
    2016/17 in the UK, and 2017 in France. I don't know if I'll need to do UK accounts after this year – I might have to, even though I've no UK earnings, because of the French apartment.
    French accountant
    I have the possibility of shifting accountant, people have got a computer programme going for leaseback properties like mine. Do I take the risk of moving? I'll have to decide really soon. Probably not worth it if I'm selling.
    Tackle French mortgage.
    The mortgage ends in September next year! About 630 euros a month goes to capital repayment, and the interest rate is 0.95% p.a.
    Ability to sell the French apartment?
    If I could sell it without penalty (huge VAT payment) I'd love to get rid of it now. I don't care too much what I'd get for it, even.
    My mother's house
    We'll be putting it up for sale in the summer; it was recently rewired, which is good, but it's still a fixer-upper, there's no doubt. Quite a bit of work in it.

    Counting Blessings”,says greent.
    I used to do that all the time. Last year felt short on blessings, to be honest, but even so my brother and sister and I have come together very strongly, we've met up with the Norfolk rellies, a new baby was born, I went catsitting twice, and that's just the big stuff.
    Next year will be more settled in the basics, so that everyday events feel more fun, and there'll be lots more opportunity for fun one-offs: I'm off to London this week and the next for days out. Another baby will be born in summer 2018!

    Retired August 2016
Page 15
    • daisy 1571
    • By daisy 1571 9th Feb 18, 7:28 PM
    • 244 Posts
    • 3,018 Thanks
    daisy 1571
    Yup, me too after about 3700 days

    Dxx
    "Never save something for a special occasion. Every day in your life is a special occasion" Take hold of every moment by anon

    The difference between what you were yesterday and what you will be tomorrow is what you do today
    • try harder
    • By try harder 9th Feb 18, 8:18 PM
    • 672 Posts
    • 2,485 Thanks
    try harder
    Me too after 211 days apparently .It seems very odd to me
    • EatingTheElephant
    • By EatingTheElephant 10th Feb 18, 7:37 AM
    • 1,224 Posts
    • 6,703 Thanks
    EatingTheElephant
    Yep me too! Very weird. They must be making us all change our passwords.
    • Suffolk lass
    • By Suffolk lass 10th Feb 18, 9:57 AM
    • 1,750 Posts
    • 19,319 Thanks
    Suffolk lass
    Mine expired after 23 days - on what planet is eight years 23 days I wonder?
    MFiT T4 #2 update 51.75% after Q8 £5,203 behind where I should be
    Save £12k in 2018 #53 - after Jan £634.93/£10,000
    OS Grocery Challenge 2018 spent £238.47/£3,500 including stores so far
    My DFD is here
    • gallygirl
    • By gallygirl 10th Feb 18, 10:04 AM
    • 16,435 Posts
    • 108,598 Thanks
    gallygirl
    Me too, fair enough if they are trying to tighten things up, but as Z has said on his thread, the page wasn't encrypted . Oh well, I only use the new password on here and I think Mr Money Mustache so if anyone wants to log in and pose as me they're welcome .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • Karmacat
    • By Karmacat 10th Feb 18, 10:11 AM
    • 28,542 Posts
    • 161,028 Thanks
    Karmacat
    So they're definitely updating their software ... it was a lot more faff than a password change on other sites, I have to say, plus, erm, I had to do it again this morning ... saving a new password is very important, dontcha know

    In fact, I'm not sure I've done it properly even now. Better go back and check before I log off ....

    I'm sort of awake now (though obvs not totally, making such a hash of the password!) been a bit distracted - was supposed to be trekking up to West London today to see the nephew with two little kids, but there's chicken pox, and with my immune system and my past visitations with shingles, not going there. So I've hunted out a plan for something else at short notice, a local little tourist town I've been to a fair bit is somewhere my sister's never visited, so that will be lovely.

    Got to see a few more peeps on here first though
    Retired August 2016
    • smallholdingsister
    • By smallholdingsister 10th Feb 18, 10:38 AM
    • 3,554 Posts
    • 29,826 Thanks
    smallholdingsister
    Same thing happened with my login.
    • ZTD
    • By ZTD 10th Feb 18, 11:45 AM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    Me too, fair enough if they are trying to tighten things up, but as Z has said on his thread, the page wasn't encrypted . Oh well, I only use the new password on here and I think Mr Money Mustache so if anyone wants to log in and pose as me they're welcome .
    Originally posted by gallygirl
    Well not only is it not encrypted when you put your password in, you're authenticated for long periods of time with a static cookie - which is also not encrypted. A simple sniffer on a public wifi suffices at this point.

    This is all not rocket science - it's not even lettuce science.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • gallygirl
    • By gallygirl 10th Feb 18, 12:17 PM
    • 16,435 Posts
    • 108,598 Thanks
    gallygirl
    Well not only is it not encrypted when you put your password in, you're authenticated for long periods of time with a static cookie - which is also not encrypted. A simple sniffer on a public wifi suffices at this point.

    This is all not rocket science - it's not even lettuce science.
    Originally posted by ZTD
    Em..... why does this matter?

    Asking for a friend obviously .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • smallholdingsister
    • By smallholdingsister 10th Feb 18, 12:36 PM
    • 3,554 Posts
    • 29,826 Thanks
    smallholdingsister
    Are you allergic to the nickel in the fasteners? Painting the with clear nail varnish can help.
    • ZTD
    • By ZTD 10th Feb 18, 12:37 PM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    Em..... why does this matter?

    Asking for a friend obviously .
    Originally posted by gallygirl
    Every request you send is in plain text, and will include a "Cookie" header (this is an example Cookie header, but if you explore your own cookies in your browser, you'll see actual ones).

    Cookie: PHPSESSID=298zf09hf012fh2; csrftoken=u32t4o3tb3gg43; _gat=1;

    If I were to copy that (and since it's unencrypted and less confidential than a postcard - it's easy), and send it on *my* requests - I'd become you. I wouldn't need to "catch" you typing a password, I'd only need you to use MSE - every request you make has it.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • gallygirl
    • By gallygirl 10th Feb 18, 12:44 PM
    • 16,435 Posts
    • 108,598 Thanks
    gallygirl
    Every request you send is in plain text, and will include a "Cookie" header (this is an example Cookie header, but if you explore your own cookies in your browser, you'll see actual ones).

    Cookie: PHPSESSID=298zf09hf012fh2; csrftoken=u32t4o3tb3gg43; _gat=1;

    If I were to copy that (and since it's unencrypted and less confidential than a postcard - it's easy), and send it on *my* requests - I'd become you. I wouldn't need to "catch" you typing a password, I'd only need you to use MSE - every request you make has it.
    Originally posted by ZTD
    But it would only let them capture my MSE password wouldn't it? They're welcome to it if they're that desperate .

    I used to know about session & permanent cookies and opting in/out and stuff .
    A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
    Mortgage Balance = £0
    "Do what others won't early in life so you can do what others can't later in life"
    • ZTD
    • By ZTD 10th Feb 18, 12:54 PM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    But it would only let them capture my MSE password wouldn't it? They're welcome to it if they're that desperate .

    I used to know about session & permanent cookies and opting in/out and stuff .
    Originally posted by gallygirl
    It wouldn't give them your password (Please God, let them not have encoded passwords into cookies), just to allow them to impersonate you. This just means post "content", send phishing PMs, change your password/email address etc - all as you.

    So when it says you shouldn't PM any confidential information and that this site does not have "bank level security" - they're not kidding.
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 10th Feb 18, 2:30 PM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    Should we be worried Z.

    Enjoy your day Karmcat
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • ZTD
    • By ZTD 10th Feb 18, 4:06 PM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    Should we be worried Z.
    Originally posted by beanielou
    If this was *actually* an important site, then yes. Their security is poor - I have better security for stuff at work only I use. But this isn't an important site, and being inept and cack-handed doesn't matter all that much.

    MSE have previously lost usernames & passwords before (and sat on it for many months) and if GallyGirl suddenly sends you a PM offering you tablets which will give you a "long schlong fresh from Hong Kong, only 20 Dong" - you can safely ignore it and delete.

    Just make damn sure you don't give out confidential things over PMs in response to an unsolicited request, and delete such things ASAP if it's not unsolicited.

    The annoying thing, is that the hosting platform they use gives https essentially for free (see Https Everywhere), but if you try https, you get shovelled back to http - despite the fact they've bought a certificate and everything.

    | ssl-cert: Subject: commonName=*.moneysavingexpert.com/organizationName=MoneySa vingExpert.com Limited/stateOrProvinceName=London/countryName=GB
    | Issuer: commonName=GlobalSign Organization Validation CA - SHA256 - G2/organiz ationName=GlobalSign nv-sa/countryName=BE
    | Public Key type: rsa
    | Public Key bits: 2048
    | Signature Algorithm: sha256WithRSAEncryption
    | Not valid before: 2017-01-10T14:11:16
    | Not valid after: 2020-01-11T14:11:16
    | MD5: 7af0 0597 b5e2 b464 000b 2d8a c113 4f1c
    |_SHA-1: 96bc 4e44 7440 c356 fd1b 8e6b cb3e d285 3747 6e62
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • Goldiegirl
    • By Goldiegirl 10th Feb 18, 4:09 PM
    • 8,297 Posts
    • 48,618 Thanks
    Goldiegirl
    I had that password thing today as well, glad it's not just me.

    hope you are having a good day out KC, although the weather may not be that good
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • Karmacat
    • By Karmacat 10th Feb 18, 5:39 PM
    • 28,542 Posts
    • 161,028 Thanks
    Karmacat
    Day out was lovely - we spent most of our time in the county craft guild shop, staffed by the individual artists - several pressies were bought for the future Though as Goldie thought, the weather was diabolical, and the local healthy cafe was so crowded we ended up sitting almost outside, where the coach-and-fours space was I had hot tea and a to-die-for parmesan twist, with a rocket salad and balsamic vinegar - only in Tourist Town, I tell you

    Are you allergic to the nickel in the fasteners? Painting the with clear nail varnish can help.
    Originally posted by smallholdingsister
    Its the zip too, SHS - I can't see that working with the zip but all potential fixes appreciated

    Enjoy your day Karmcat
    Originally posted by beanielou
    Thanks beanie - it was good to get out again, and that town is accessible to me *and* my sister, and contains lots of stuff we haven't done together. Excursions for spring are planned!

    Just make damn sure you don't give out confidential things over PMs in response to an unsolicited request, and delete such things ASAP if it's not unsolicited.
    Originally posted by ZTD
    I've no idea what the list of numbers meant, Z, and frankly I'm not keen to find out but this paragraph, this I understood the implications. Because I *have* sent out things in pm I meant not to be seen by the wider world - not exactly confidential, but a bit private. No bank codes or anything! I think I'll be deleting pms a lot quicker in future, so this is appreciated, thank you.
    Retired August 2016
    • ZTD
    • By ZTD 10th Feb 18, 5:43 PM
    • 23,570 Posts
    • 41,879 Thanks
    ZTD
    Mine expired after 23 days - on what planet is eight years 23 days I wonder?
    Originally posted by Suffolk lass
    Planet "Big Brother" where 23 days of that tut would feel like a prison sentence...
    "Follow the money!" - Deepthroat (AKA William Mark Felt Sr - Associate Director of the FBI)
    "We were born and raised in a summer haze." Adele 'Someone like you.'
    "Blowing your mind, 'cause you know what you'll find, when you're looking for things in the sky."
    OMD 'Julia's Song'
    • beanielou
    • By beanielou 10th Feb 18, 6:02 PM
    • 50,616 Posts
    • 193,740 Thanks
    beanielou
    Yes, like you will be deleting PM's much more promptly.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • smallholdingsister
    • By smallholdingsister 10th Feb 18, 6:22 PM
    • 3,554 Posts
    • 29,826 Thanks
    smallholdingsister
    Is it just me? A long schlong fresh from Hong Kong spounds okay.
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