A story of ordinary discrimination

I don’t like writing about politics, despite me having strong opinions on some matters. The last time I spent time writing about this, it was about xenophobia in software, and this time it’s a very related story.

Before I start with the tale, I need to prefix that at a first read, it might sound like I’m making a mountain out of a molehill. This is probably true for me, as I’m playing on the lowest difficulty setting, being white, wealthy and from a country that is, in most parts of the world, well considered (what I have read more than a few racist commenter define “a good immigrant”). I want you to think twice, though, if this would be just as “silly” for someone with a higher difficulty setting.

So this tale starts with me signing up for a energy supplier programme. This is a Very British Thing to do, so let me explain a bit about this. Like at least a few countries in Europe, and all those I lived in, the UK has a “liberalised” energy market, which means the consumers (including the tenants) can choose which company to give their money to, for their electricity (or gas).

Because of human nature, capitalism, marketing, and whatever else happens, the normal behaviour of these suppliers is to offer you what is usually a very good deal with a lock-in contract of 12 months. After the contract expires, you’re on a monthly-basis on a terrible tariff — you can then either choose to lock in with them for another 12 months for a less-terrible tariff, or switch supplier to one that offers you a better deal yet. From a purely monetary point of view, switching is always a winning strategy. From the human point of view of not wanting to bother, it’s not uncommon to renew with the same supplier, or even not noticing the contract expired and being overcharged.

Since looking at different suppliers, figuring out the best option, and actually switching are time-consuming tasks, it can get to the point where the money saved is not worth the time spent. And that created an opportunity for middlemen to insert themselves into the picture, in the form of energy supplier switching programmes. These programmes take your information, find you a better deal, and even sign you up to switch, with various degrees of automation.

iChoosr in particular tries to find deals for groups, with the idea that you can get a better deal from a supplier by giving them a ballpark of how many people would sign up for it. This is the middleman that Unite the union chose to run their twice-yearly switching programme. I signed up for it last year, because I was able to — I was provided with a no-lock-in contract with EDF when I moved into the apartment, but was getting annoyed at them calling me every two weeks or so to ask me if I wanted to install a smart meter (my landlord didn’t want, I didn’t want to bother.)

Last year, the chosen supplier was So Energy, which turned out to have a very friendly website, too. I switched. Then this year when the time to renewal came I signed up for the programme again. The answer was different this year (unsurprisingly), and E-On Energy was chosen, which was even more interesting to me, as Santander also had a “retailer offer” to sign up for E-On.

And here is where things went badly. I got the offer and went to their website to fill in the form, but when I stated that I lived at this address for only one year and eight months, I was asked for my previous address, which had to be in the UK. No overseas address option was available in the form. And I couldn’t even mess up with the fields, because it wanted to look up the address by (UK) post code.

I already wrote about this in the previous post of course. So that’s not entirely surprising either, but it is a non-small annoyance. It turns out that you need three years of addresses in the UK to be able to pass the credit check that E-On requires. It’s a “tax on the immigrants” in the sense that you will have to choose a more expensive supplier if you can’t provide that data. I decided to renew with So Energy, if nothing else because they are not unfriendly to recent immigrants — and the difference being less than £100 a year made it not worth the hassle to chase E-On around.

I did, though, send a complaint to iChoosr about the fact that their service is not friendly to immigrants. And today that complaint got an answer:

Dear Mr Diego Elio Petteno,

Thank you for contacting us.

We are sorry for any inconvenience this may have caused. Please note that the system asks for your previous address for the credit check by the supplier. However, if your previous address is not in the UK we would advise you to please fill out that you have lived in the UK more than 3years. That way you may be able to complete your switchover process.

For your convenience Please find below the link to your personal offer (if the link does not work then copy the entire link and paste it into your browser’s address bar). This page provides you with your personal details, current energy figures and your offer:

[Continues with usual drivel with link and request for information — F]

“Dianah” from iChoosr support

As I complained on Twitter after reading this email, their answer is worse than the problem! (El tacon pexo del buxo in my dialect.) They suggested, in writing, for me to lie on a credit check form. Let’s not even comment at how they keep calling it a “personal offer”, given that it is not available to me.

Now it is very possible that, all other things being the same, the credit check would pass just fine. If nothing else, Santander giving me a credit card seems to have taken care of most of those problems. And to be honest, I could probably just have asked my girlfriend to sign up in my place, since she’s been living in the UK much longer than me. But beside me not wanting to give money to a discriminating supplier, there is the other “small” problem of lying in credit check forms.

Again, remember I’m playing at the lowest difficulty level. Lying on the credit check form will probably not do me any harm. But what about a worker with a lower salary who just arrived from a different country? What if the credit company noticed the inconsistency and marked their credit rating further down?

Anyway, after complaining on Twitter, because that’s something I do, iChoosr stated that this is not their standard operating procedure, and even offered to “manually switch” me, without the requirement of three years in the UK. Note that once again, this is for me, a white male working for a big company, coming from a country that is not associated with immigration as much as it should be.

This is unfortunately the norm. If you lived all your life in the UK, all of this is hidden away: of course you have more than three years worth of addresses! If you have enough money that you don’t really care about switching provider, then of course you don’t notice credit checks or anything of the sorts. But it does create a much less friendly environment for those of us who move into the country.

Luckily, there are other cases. The dentistry clinic that just opened across the street from us is staffed mostly by immigrants. They know how hard it is, they remember how annoying it was when they arrived. And they made sure that the financing company the signed up with is able to take overseas addresses. Given that there is no interest applied on the financing, I fear they might have just taken the hit of paying higher fees to guarantee that.

Of course the consideration there is not just for their own experience; assuming that would be naïve to say the least. The other side of that calculation is that their location in West London is as such that a lot of their customers are likely immigrants, that might or might not have lived for three years in the UK already, and might thus need a bit more relaxed credit check environment than, say, Richmond High Street.

This is why I’m upset with Unite, too. The fact that their provider does not care to select offers that accept immigrants out of the box throws a shade to them just as much as iChoosr: many of the people counting on these deals are likely on lower salaries than mine, and for them the price difference can be an actual difference. Even more so if they have recently moved to the country. I should send my complaint to them just as much at this point.

Take my experience of this molehill, think it through with the lenses of someone who might not be as privileged as you are, and then start pressuring the companies you work for, or that you pay money to, to actually care about the real people. Rather than just about their bottom line.

Dear Amazon, please kill the ComiXology app

Dear Amazon, Dear Comixology,

Today, May the 4th, is Free Comic Book Day. I thought this was the right time to issue a plea to you: it’s due time you get rid of the ComiXology app, and ask your customers to just use an unified Kindle app to read their comic books.

I love comic books, and I found ComiXology an awesome service, with awesome selection and good prices. I have been a customer for many years, starting from when I just had bought an iPad for a job. For a while, I have signed up for their ComiXology Unlimited service, that for a monthly fee gave you access to an astounding amount of comics — particularly a lot of non-mainstream comics, a great way to discover some interesting independent authors.

When Amazon bought ComiXology, I was at the same time pleased and afraid — pleased because that could have (and did) boost ComiXology’s reach, afraid because there was always a significant overlap with the Kindle app, ecosystem and market. And it turned out that my fears were just as real, as I found out last year.

I don’t want to repeat the specifics here, the short version is that the ComiXology app has been broken for over a year now for any Android user that relies on microSD storage rather than the internal storage, such as mine. After multiple denial from ComiXology support, the blog post helped me get this to the attention of at least one engineer on the team, who actually sent me a reply nearly 11 months ago:

I followed up with our team and a few weeks ago we met about your report. We realized you are 100% correct, and we’re re-evaluating our decision RE adoptable storage. I don’t have news on when that answer is coming, but the topic is open internally and I want to thank you for your detailed emails and notes. Hopefully we can figure this out and get you back.

Matt, ComiXology Support, May 30, 2018

Unfortunately, months passed, and no changes were pushed to the app. The tablet got an Android OS update, ComiXology got updates every few months, but the app to this day has any way to store its content on microSD cards. The last contact I have from support is from last summer:

Our team has tracked down what’s going on and you are correct in your analysis. They are working on a solution, though we do not have an estimate for when you will be seeing it. We will keep on checking in on this and making sure things move along.

Erin, ComiXology Support, August 13th, 2018

This is not just a simple annoyance. There is a workaround, that involves using the microSD as so-called “portable storage”, and telling the app to store the comics on the SD card itself. But it has another side effect: you can’t then use the SD card to download Netflix content. The Netflix app cannot be moved to the card, either as adopted or portable storage – just like ComiXolgy – but it supports selecting an “adopted storage” microSD card for storage, and actually defaults to it. So you end up choosing between Netflix and ComiXology.

And here’s the kicker: the Kindle app, developed by a different branch of the same company, does this the right way.

And this brings me back to the topic of this post: the Kindle app is not stellr for reading comic books in my experience, ComiXology did a much better job at navigating panels. But that’s where it stops — Kindle has a better library handling, a better background download support, and clearly better support for modern Android OS. But I can’t read the content I already paid for in ComiXology on that.

I think the best value for the customers, for the people actually reading the comic books, would be if Amazon just stopped investing engineering into the ComiXology app at this point, which clearly appears understaffed and not making any forward progress anyway, and instead allowed reading of ComiXology content on Kindle apps. And maybe Kindle hardware — I would love reading my manga collection on a Kindle, even if I had to upgrade from my Paperwhite (but please, if you require me to do that, use USB-C for the next gen!)

Will you, Amazon?

London, an Year and a Half Later

Given that nearly everything we hear, both here in the UK, and it appears everywhere else, is the stinking pile of burning rubbish that is Brexit, I thought I would bring at least a bit of positivity, by giving an update on my life in London, which I announced just shy of two years ago.

London has been a significant change of pace for me, both professionally (not always in a good way) and personally (almost all in a good way). I now live in a flat with my girlfriend, who’s the world to me. I have effectively stopped globetrotting, compared to Dublin — because I have so many things to do here, that were not available there. And I’m actually dedicating a forced 45 minutes a day to reading books (and another 45 are usually dedicated at reading the news), thanks to my higher-than-median commute.

As I said, the professional change of pace was not entirely positive. I ended up with a bad case of burnout between teams, and took two weeks of stress leave in February to “recenter myself”, which mostly involved me spending time on usbmon-tools, and a few kernel patches that (hopefully) I’ll be sending out this week. I am not entirely sure if this is due to a difference in the office environment, or in my own way to relate to the office itself. In Dublin I found there was more camaraderie, which might be caused by being a smaller office for my organisation, or the fact that so many of us lived in the same area that we spent a lot more time together outside of work too. As for myself, I find myself trying to put more explicit boundaries on how much I interact with my colleagues, even when I find them stimulating company.

On the personal level, the past two years (including the few months before the actual move) have been a roller-coaster ride, between the fear of change, my computer getting stolen, meeting my girlfriend, attending a number of concerts (not all, but most, metal), and getting photographed together with some of my most admired celebrities (I would put Simon Jones, John Lloyd, and Alexander Siddig as the top-three!)

And even when we didn’t go full-fan waiting over two hours to get a quick sketch of Spider-Man from John Romita, Jr, being able to go and see the Elves at No Such Thing as A Fish, or listen to Stephen Fry tell stories of ancient Greece all have had a very positive impact to my personal mental health.

And now that the rollercoaster is slowing down (and ending in a high note, at least on the personal side, ignoring Brexit), I think you may get more content from me. Because I have missed my blog tremendously, and migrating to WordPress was also a very good idea, as it allows me a lot more flexibility in writing.

Speaking of Foreign Transaction Fees

In the previous post about Revolut, I have left open a topic that I wanted to move to its own post: foreign transaction fees.

For those who are not acquainted with the terminology here, with foreign transaction fee I’m referring to the additional fee levied by banks and payment card companies when you incur expenses in a different currency than the one the card was issued for. Sometimes (particularly in UK and Ireland) this is referred to as an “overseas transaction fee” — which is confusing, particularly for Ireland, where the fee is applied for expenses in GBP (which is not overseas, but rather “up the road”), but not in EUR (which is mostly oversea).

This is a different cost incurred than the possible bad exchange rate that the financial institution may be applying, and it has nothing to do with the various DCC scams that you may run into when going to touristy destinations with a non-local card, although there is a link there: even online, services may suggest you to apply the charge in your local currency to avoid foreign transaction fees — as you can see in the linked post, that’s rarely a good idea, with a few exceptions (e.g. PayPal actually applies sane conversion fees in my experience, even if not the best ever).

These foreign transaction fees are set by the card issuers, and vary widely. I have seen cards with up to 6% “fex fees”, but that was back in Italy (why I say that will be clearer in a moment). In Ireland, with the exception of various fintech companies, the typical fex fees were of 2-3% — I was very happy with Tesco Banks‘s 1.75% fex fee (Tesco Bank no longer operates in Ireland.) In the UK, it appears most cards either have 0% fex fee, or 2.99% fex fee; there are a few divergences, but those two appear to be the most common options.

The reason why I am specifying this information with a country attached is that, in addition to telling you what the currency is, the mix of local-vs-foreign spend for the average person is also connected to the country. For instance, for my friends and family living in Italy, foreign transaction fees only exist when buying from foreign websites (or eBay), or when going on a “far” trip — Croatia and Switzerland being the closest countries that incur the fex fee. On the other hand, if you live in Ireland, you’ll probably have at least one recurring expense in GBP — depending on how Brexit is going to go this may change.

Indeed, for electronics you often need to look at the UK, rather than the continent — because of plugs, regulations, availability, etc. And quite a few eShops with presence both in the continent and the UK used to refuse you service from the European website, referring you to the UK one instead — this is another thing that may change after Brexit. There is a reason why, when discussing markets, most companies call it “UKI”.

I’m told that a similar situation exists for those living in Switzerland, and I can imagine this goes similar in the Nordics, given that Denmark, Sweden, and Norway have their own currencies as well, and likely a lot of services overlap.

In the UK (and again this may change after Brexit), you may very well never spend money outside of GBP because all the services exist within the country. Unless you’re an expat, in which case you’re probably still visiting the continent (Eurozone or not) fairly often, or may be paying for ongoing services (such as cellphone contracts) in that currency. This probably explains why the two sets of fex fee groups: if you’re part of the first group, you probably don’t need a card with no foreign transaction fees — while you really do in the latter case.

In my case, I have two credit cards: one from Santander, which I spoke of last time, with no foreign transaction fee, and an American Express with a 2.99% foreign transaction fee. I effectively spread the expenses on the two cards, depending on where I am — namely I try to use the Amex in the UK, and the Santander anywhere the other does not work. I could give up on the Amex, as the Santander is strictly a superset usage, but the perks provided by Amex are worth having. And that’s the most important thing: cards have perks, so you should probably consider those as well.

Thus the utility of fintech services like Revolut and Curve depend on the country you live in not just because it sets the band for foreign transaction fees, but also because they set the tone of foreign currency usage. In the UK, with the wide availability of debit and credit cards with no foreign transaction fees, their services are likely less useful than in other countries — except when it comes to perks. Indeed in the case of Curve, you would be able to keep most of the perks of a credit card, such as cashback, even if the card comes with a hefty foreign transaction fee. Except for Amex of course.

But is it convenient for you to pay for such a service? That’s another very good question. And to answer it, I’ll try to forget about the UK and go back to Ireland — mainly because here, as I now repeated a number of times, cards with no foreign transaction fee exists and you can just use one of those. Metro Bank has free current accounts with cards that come with cards without foreign transaction fees in Europe. Santander has a £3/month credit card with no foreign transaction fees, and 0.5% cashback. Halifax has a Clarity MasterCard that comes with no monthly fee, no foreign transaction fees (and of course no perks.)

But let’s go back to Ireland and take a look at the options. As I said the usual foreign transaction fee in the country was between 2% and 3%. In the case of Ulster Bank, the card I used to have had 2.75% foreign transaction fee. At which point would it have been cheaper for me to subscribe to Curve Black, at €9.99/month, rather than give Ulster Bank their fees? (And for simplicity here, I’m not talking about exchange rates; the exchange rate for their MasterCard is network-provided so it’s not at all bad, and in fact it’s comparable to Revolut’s.)

As most services would require a yearly commitment, we should consider the spend on an yearly basis too. This makes the cost €119.88, but we’ll call it €120 to make it easier to run umbers on them. Let’s just call the twelve cents a rounding error. If we’re ignoring the cashback options (as in Ireland there were none, beside Tesco Bank), the amount of foreign expenses you’d need to break even on Curve black with the foreign transaction fee noted above is about €4364 (divide the yearly cost by the foreign transaction fee). That’s the cost of fairly big vacation for a family (note that you can’t include flights in the vacation cost, as those would be billed by the currency of the country of origin, which is likely local).

If you have a card that provides cashback, then things become more complicated, because you’d have to include the cashback in the calculation. If you’re curious the following formula will give you the number, making S the yearly subscription cost of the service, F the foreign transaction fee percentage, and C the cashback percentage:

(S + (S/F) * C) / F

For Revolut Metal, with their variable cashback, figuring out the number is a bit more annoying. But we’re also talking about 1% in the best case scenario (all non-European spend). So the basic number (€5673) only goes down to €5616. The 0.1% cashback option of all European spend is so minimal that it’s not worth calculating exactly.

So what should you do if you don’t usually spend that kind of money on foreign transactions? You can still use the Revolut and Curve and other fintech services without paying for them, and grab the best deal you can until they go bust. Or if you don’t want to bother, you can just spend on your normal cards, get your usual perks and ignore the need for no foreign transaction fees.

Indeed, if your options are spending on Curve attached to a debit card with no cashback and no perks, or spend on an American Express Platinum Cashback Credit Card, you would need to spend more than £5330 a year in foreign transactions for it to be worth it — and that’s assuming you don’t qualify for the higher tier. And this is probably the worst case scenario for the UK, for a non-zero foreign transaction fee card.

Is Revolut Still a Good Thing?

You may remember that a few years ago I wrote a positive review of Revolut, the fintech startup that provides payment cards with stored value and no foreign transaction fees. I have been using it for a long time by now, and had mostly stood by that review, until the second half of last year, where things started to appear more complicated. Given the current flurry of stories on the company, from silly advertising shenanigans to uncovering of poisonous working conditions, I thought it would be a good time to write some more up to date words, as I don’t think I can recommend Revolut as much as I did before anymore.

First of all, I started feeling uneasy recommending Revolut since they started down the path of selling cryptocurrencies as an added-value feature. I hold a personal belief that participating in the trading of Bitcoin and other similar “currencies” is unethical (see Thomas’s rant on the topic), and I don’t like being associated with companies focusing on them. I have looked the other way for a while, though, because I knew that using the words “cryptocurrency” and “blockchain” make money appear out of nowhere for most startups, even when there’s no rhyme or reason for it. I just had a bad taste in my mouth for this.

The problem is that Revolut, even when I had the Premium version, built something very cool, but a bit rough around the edges. And as a customer, it is annoying to see them jumping the shark onto cryptocurrencies, instead of making location-based security actually reliable, implementing 3DSecure/VBV integrations, or finding a way to get a proper banking license and FSCS insurance (all of which would be requirements for me and most people to use Revolut as a replacement for high-street banking).

Instead, what we see is that Revolut is adding “features” trying to upsell you into their premium services. This is not entirely bad, because you need paying customers to run a business. Unfortunately my impression is that they offered and offer so much on their free tier, that they are tackling on random stuff that has nothing to do with banking itself, just to get people to sign up for their Premium and Metal tiers.

As an aside, I still don’t understand this trend of providing heavy (“18g” as they boast some companies) metal cards. The last thing I want from a credit card is to be heavy, as I barely even want to have to take it out. I’m all in favour of the trend of not embossing the name and number, preferring to print it on the back, but it does not need to be metal for it. Indeed, Curve (that I’ll get again in a moment) did exactly that.

We’ve just come back from a trip to the Continent, and what we did notice that Revolut tried to upsell us medical and travel insurance at every change of country (even when we just connected flights through third countries). This is not just annoying as we’re not interested in it (we’re European citizens, visiting European countries, and work provides both of us with a basic travel insurance), but it’s also annoying because it makes use of the location information, which I provide for the security feature, for marketing. Similarly, I recently had more notifications about them trying to upsell me Metal than actual transactions.

For a while, I actually did pay for the Premium service. Mostly under the idea of “putting my money where my mouth is”, that is to make sure that the company could keep operating a service I loved. Unfortunately it turned out a bad idea: not just because Revolut cannot replace a high street bank in the UK (no FSCS to protect your account, no BACS direct debits, etc), but also because the Premium “perks” were not something I cared about, and the dedicated service team was still useless when it came to even telling me the top-up limits when I changed the card I used for top-up.

If you already have two physical cards (and paid for it), you need to pay to replace one of them with a Premium card, if you so wish (but it gains nothing but a different colour, so I never did that). The unlimited exchange is not particularly useful when you already don’t reach the free tier’s spend, and the ATM limits is only useful if you plan to actually use cash, which I really try not to. The one interesting feature that is advertised for Premium customers, but as far as I can tell is also present as a one-off charge for non-Premium one, is the disposable virtual card, that changes PAN every time you use it. But even that is not as secure as it looks, as I’m told that vendors are still able to charge again a disposable card that already changed number.

Okay admittedly there’s the travel and medical insurance, but as I said earlier, I get a better travel medical insurance from work (and probably there’ s better out there) and a credit card such as American Express would provide a better baggage/flight insurance. This is very subjective of course, it’s well possible that for other people, with other employers, and in other countries, these insurances are actually worth it.

Speaking of circumstances, I think I might not have felt so strongly against Revolut if I was still in Ireland. Not just because they seem to have implemented SEPA DD Core support, so you can actually use it to pay your bills there, but also because the alternatives of high street banking there are significantly worse than here.

In London, I now settled on Santander as my primary bank, both for the current account and for a 0% foreign transaction fee credit card, their All-in-One Credit Card. These come to £5 per month for the account, and another £3 per month for the credit card (compare against Revolut’s premium at £6.99 and Metal tier at £12.99), and while the free foreign ATMs withdrawal are limited to Santander’s own network (limiting the countries you can use them on), this is a full-featured, FSCS-insured account, with cashback, retailer offers, and active interest on the current account’s deposit. If you don’t want (or can’t afford) a credit card, Metro Bank offers 0% foreign transaction fee for European transactions on their free accounts’ debit cards. And I’m sure that other banks have similar arrangements all over the place. Basically, the UK has a significantly wider range of offers, that make Revolut less necessary than in Ireland.

But even for Ireland, and for other countries that do not have such a selection of high-street banks, Curve – that I complained about before – decided to change their target marketing a bit, now offering a “front” for any Visa and MasterCard card to provide 0% foreign transaction fee, with their premium option existing to raise the limit of monthly transactions. That would have been something awesome to have when I lived in Dublin, to keep getting Tesco points, while not paying the 1.75% of foreign transaction fee on their credit card. (If you are interested to try that, my referral code is BG2G3).

Both Curve and Revolut have a Metal card with which they provide cashback. In the case of the former, these are retailers-limited, and I can only assume they are based on some third party’s selection of perks, as the retailers are pretty much the same that Santander and Lloyd’s provide retailers offers for. Revolut instead provides cashback on all spend, 0.1% on European spend, and 1% for non-European spend (although there does not seem to be an obvious definition of Europe on their marketing material, I assume it’s deep into the terms of service).

While cashback is always a nice bonus, it only makes sense if you can break even on the cost of one’s service by spending. With Revolut Metal, that would be an astounding £13k (thirteen thousands pound) per month in European spend, or £1299 of non-European spend. I do know some extremely frequent travellers to the States or Asia that would be able to spend the latter, but that’s more of an exception than a rule. And if you can spend the former, you probably can get more than that in interest by keeping the money in an active-interest current account, and paying with a normal credit card.

For comparison, Santander’s card I linked above costs £3/month (you don’t even need their bank account). It has 0% foreign transaction fee on all spend. And a cashback of 0.5% (five times Revolut’s European cashback) on all spend. It takes only £600 a month to break even, and that’s without counting additional retailer offers, or additional perks from their current accounts.

And even if you look at American Express (which is never considered a cheap option) and their cashback options, the numbers are significantly different. Their Platinum cashsback card is £25 per year, and includes a better travel insurance, 1% cashback on all spend to £10k and 1.25% over that. Plus retailers offers and supplementary cards for the family. Although be warned if you want to go down that road, that American Express charges you 2.99% foreign transaction fees, for every single one of their cards in the UK.

I was going to take a detour talking about foreign transaction fees, but I will leave it for another post, because it’s a lot of content, and a lot of explanation to be done there.

So the final words of this post are: I’m not sure I trust Revolut anymore. They seem to be taking “marketing risks” to get people to pay for services, but at the same time there’s very little value in their paid services. I don’t think that the company will be able to sustain the current trajectory without venture capital money, and I find scary the idea of relying on a VC-funded pseudo-bank for my own money.

Update (2019-03-27): just a few days after I wrote this blog post, I received two email from Revolut, with widely different content, that I think merit a bit of description, thus why this update.

The latest email is an announcement of new details (new sort code and account number) for their GBP accounts. This is effectively a change in intermediary bank that maintains the GBP account proxies for Revolut. Nothing particularly eventful in by itself, but there are a few notable things. The announcement is declared “great news” for their customers, but it also highlight yet another feature that high street banking would have, and Revolut lacks: redirections.

When you switch bank account with a high street bank, the bank will take care of moving standing orders, direct debits, automatic salary payments, and redirect any transfer to the old bank account to the new one. Revolut is instead telling all the customers that they have to deal with all the required changes of both payment and transfer. Not just that, but they don’t appear to guarantee any specific grace period in which both accounts would exist: they say that the new details will appear in the app before May 22nd, which is when the old account will stop working:

⚠️ Your old account details will stop working from the 22nd May 2019. 

Salaries and standing orders 

If you receive your salary into your Revolut account, you’ll need to send your new account details to your employer before the 22nd May. Again, we’ll let you know as soon as they arrive. 

For standing orders from your external bank to your Revolut account, you’ll need to update your bank with your new details before 22nd May. For recurring payments set up from your Revolut account to another bank, you don’t need to do anything. 

Revolut email arrived on 2019-03-27

To give you an idea of time frame involved, the company I work for freezes the salary payment details around the 5th of the month for payments on the 25th. This means that if the new details arrive after 5th of May, and you’re paid monthly, you may be unable to receive the salary. Hopefully, the old accounts would just reject the transfer, but even in that case, retrieving the missing salary can easily take two weeks, which for a number of people would be a significant risk.

For comparison, the previous email I received just twenty hours before, also from Revolut, had as subject «👕Should we release Revolut merch?». This is a company that just before announcing a significant disruption of service, that a high street bank would never subject their customers to, asks whether you would like to wear their brand around, making yourself not just a product, but a walking billboard.

Dexcom G6: week 1 review

Content warning, of sorts. I’m going to talk about my experience with the continuous glucose monitor I’m trying out. This will include some PG-rated body part descriptions, so if that makes you awkward to read, consider skipping this post.

It has now been a week since I started testing out the Dexcom G6 CGM. And I have a number of opinions, some of which echo what I heard from another friend using the Dexcom before, and some that confirmed the suggestion of another friend a few years back. So let me share some of it.

The first thing we should talk about is the sensor, positioning and stickiness. As I said in the previous post, their provided options for the sensor positioning are not particularly friendly. I ended up inserting it on my left side, just below the belly button, away from where I usually would inject insulin. It did not hurt at all, and it’s not particularly in the way.

Unfortunately, I’m fairly hairy and that means that the sensor has trouble sticking by itself. And because of that, it becomes a problem when taking showers, as the top side of the adhesive strip tends to detach, and I had to stick it with bandage tape. This is not a particular problem with the Libre, because my upper back arm is much less hairy and even though it can hurt a bit to take it off, it does not hurt that much.

As of today, the sensor is still in, seventh day out of ten, although it feels very precarious right now. During one of the many videos provided during the original setup, they suggest that, to makes it more stable to stick, I should be using skin adhesive. I had no idea what that was, and it was only illustrated as a drawing of a bottle. I asked my local pharmacy, and they were just as confused. Looking up on their supplier’s catalogue, they found something they could special order, and which I picked up today. It turns out to be a German skin adhesive for £15, which is designed for urinary sheaths. Be careful if you want to open the page, it has some very graphical imagery. As far as I can tell, it should be safe to use for this use case, but you would expect that Dexcom would at least provide some better adhesive themselves, or at least a sample in their introductory kit.

I will also have to point out that the bulge caused by the sensor is significantly more noticeable than the Libre, particularly if you have tight-fitting shirts, like I often do in the summer. Glad I listened to the colleague who thought it would look strange on me, back a few years ago.

Let’s now talk about the app, which I already said before was a mess to find on the store. The app itself looks bare bones — not just for the choice of few, light colours (compare to the vivid colours of LibreLink), but also due to the lack of content altogether: you get a dial that is meant to show you the current reading, as well as the direction of the reading between “up fast” and “down fast”, then a yellow-grey-red graph of the last three hours. You can rotate the phone (or expect the app to read it as a rotation despite you keeping your phone upright) to see the last 24 hours. I have not found any way to show you anything but that.

The app does have support for “sharing/following”, and it does ask you if you want to consent to data sharing. Supposedly there’s an online diabetes management site — but I have not found any link of where that is from the app. I’ll probably look that up for another post.

You’ll probably be wondering why I’m not including screenshots like I did when I reviewed the Counter Next One. The answer is that the app prevents screenshots, which means you either share your data via their own apps, or you don’t at all. Or you end up with taking a picture of one phone with another one, which I could have, but I seriously couldn’t be bothered.

The Settings menu is the only interaction you can actually spend time on, with the app. It’s an extremely rudimentary page with a list of items name-value pairs effectively. Nothing tells you which rows are clickable and which ones aren’t. There’s a second page for Alerts, and then a few more Alerts have their own settings page.

Before I move onto talking (ranting?) about alerts, let me take a moment to talk about the sensors’ lifetime display. The LibreLink app has one of the easiest-to-the-eyes implementation of the lifetime countdown. It shows as a progress bar of days once you start the sensor, and once you reach the last day, it switches to show you the progress bar for the hours. This is very well implemented and deals well with both timezone changes (I still travel quite a bit) and daylight savings time. The Dexcom G6 app shows you the time the sensor will end with no indication of which timezone is taken in.

The main feature of a CGM like this, that pushes data, rather than being polled like the Libre, is the ability to warn you of conditions that would be dangerous, like highs and lows. This is very useful particularly if you have a history of lows and you got desensitised to them. That’s not usually my problem, but I have had a few times where I got surprised by a low because I was too focused on a task, so I was actually hoping it would help me. But it might not quite be there.

First of all, you only get three thresholds: Urgent Low, Low and High. The first one cannot be changed at all:

The Urgent Low Alarm notification level and repeat setting cannot be changed or turned off. Only the sound setting can be changed.

The settings are locked at 3.1mmol/L and 30 minutes repeat, which would be fairly acceptable. Except it’s more like 10 minutes instead of 30, which is extremely annoying when you actually do get an urgent low, and you’re trying to deal with it. Particularly in the middle of the night. My best guess of why the repeat is not working is that any reading that goes up or stays stable resets the counter of warning, so a (3.1, 3.2, 3.1) timeseries would cause two alerts 10 minutes apart.

The Low/High thresholds are used both for the graph and for the alert. If you can’t see anything wrong with this, you never had a doctor tell you to stay a little higher rather than a little lower on your blood glucose. I know, though, I’m not alone with this. In my “usual” configuration, I would consider anything below 5 as “out of range”, because I shouldn’t linger at that value too long. But I don’t want a “low” alert at that value, I would rather have an alert if I stayed at that value for over 20 minutes.

I ended up disabling the High alert, because it was too noisy even with my usual value of 12 ­— particularly for the same reason noted above about the timeseries problem: even when I take some fast insulin to bring the value down, there will be another alert in ten minutes because the value is volatile enough. It might sounds perfectly reasonable to anyone who has not been working with monitoring and alerting for years, but to me, that sounds like a pretty bad monitoring system.

You can tweak the alerts a little bit for overnight alerts, but you can’t turn them off entirely. Urgent Low will stay on, and that has woken me up a few nights already. Turns out I have had multiple cases of overnight mild lows (around 3.2 mmol/L), that recover themselves without me waking up. Is this good? Bad? I’m not entirely sure. I remember they used to be more pronounced years ago, and that’s why my doctor suggested me to run a little higher. The problem with those lows, is that if you try too hard to recover from them quickly, you end up with scary highs (20mmol/L and more!) in the morning. And since there’s no “I know, I just got food”, or “I know, I just got insulin” to shut up the alerts for an hour or half, you end up very frustrated at the end of the day.

There is a setting that turns on the feature called “Quick Glance”, which is a persistent notification showing you the current glucose level, and one (or two) arrows determining the trend. It also comes with a Dexcom icon, maybe out of necessity (Android apps are not my speciality), which is fairly confusing because the Dexcom logo is the same as the dial that shows the trend in the app, even though in this notification it does not move. And, most importantly, it stays green as the logo even when the reading is out of range. This is extremely annoying, as the “quick glance” to the colour, while you’re half asleep, would give you the totally wrong impression. On the bright side, the notification also has an expanded view that shows you the same 3 hours graph as the app itself would, so you rarely if ever see the app.

Finally, speaking of the app, let me bring up the fact that it appears to use an outrageous amount of memory. Since I started using the Dexcom, I end restarting Pokémon Go every time I switch between it and WhatsApp and Viber, on a Samsung S8 phone that should have enough RAM to run all of this in the background. This is fairly annoying, although not a deal breaker for me. But I wouldn’t be surprised if someone using a lower-end phone would have a problem trying to use this, and would have to pay the extra £290 (excluding VAT) for the receiver (by comparison, the Libre reader, which doubles as a standard glucometer – including support for β-ketone sticks – costs £58 including VAT).

Since I just had to look up the price of the reader, I also have paid a little more attention to the brochure they sent me when I signed up to be contacted. One of the thing it says is:

Customize alerts to the way you live your life (day vs night, week vs weekend).

The “customization” is a single schedule option, which I set up for night, as otherwise I would rarely be able to sleep without it waking me up every other night. That means you definitely cannot customize them the way you live your life. For instance, there’s nothing to help you use this meter while going to the movies: there’s no way to silence the alerts for any amount of time (some alerts are explicitly written so that Android’s Do Not Disturb do not block them!), there’s no silent-warning option, which would have been awesome together with the watch support (feel the buzz, check the watch, see a low—drink the soda, see a high—get the insulin/tablet).

A final word I will spend on the calibration. I was aware of the Dexcom at its previous generation (G5) required calibration during setup. As noted last week, this version (G6) does not require that. On the other hand, you can type in a calibration value, which I ended up doing for this particular sensor, as I was worried about the >20mmol/L readings it was showing me. Turns out they were not completely outlandish, but they were over 20% off. A fingerstick later, and a bit of calibration, seem to be enough for it to report a more in-line value.

Will I stick to the Dexcom G6 over the Libre? I seriously doubt so by now. It does not appear to match my usage patterns, it seems to be built for a different target audience, and it lacks any of the useful information and graphs that the LibreLink app provides. It also is more expensive and less nice to wear. Expect at least one more rant if I can figure out how to access my own readings on their webapp.

Testing the Dexcom G6 CGM: Setup

I have written many times before how I have been using the FreeStyle Libre “flash” glucose monitor, and have been vastly happy with it. Unfortunately in the last year or so, Abbott has had trouble with manufacturing capacity for the sensors, and it’s becoming annoying to procure them. Once already they delayed my order to the point that I spent a week going back to finger-pricking meters, and it looked like I might have to repeat that when, earlier in January, they notified that my order would be delayed.

This time, I decided to at least look into the alternatives — and as you can guess from the title, I have ordered a Dexcom G6 system, which is an actual continuous monitor, rather than a flash system like the Libre. For those who have not looked into this before (or who, lucky them, don’t suffer from diabetes and thus don’t spend time looking like this), the main difference between these two is that the Libre needs to be scanned regularly, while the G6 sends the data continuously from the transmitter to a receiver of some kind.

I say “of some kind” because, like the Libre, and unlike the generation I looked at before, the G6 can be connected to a compatible smartphone instead of a dedicated receiver. Indeed, the receiver is a costly optional here, considering that already the starter kit is £159 (plus VAT, which I’m exempt from because I’m diabetic).

Speaking of costs, Dexcom takes a different approach to ordering than the Libre: it’s overly expensive if you “pay as you go”, the way Abbott does it. Instead if you don’t want to be charged through the nose, you need to accept a one year contract, for £159/month. It’s an okay price, barely more expensive than the equivalent Abbott sensors price, but it’s definitely a bit more “scary” as an option. In particular if you don’t feel sure about the comfort of the sensor, for instance.

I’m typing this post as I opened the boxes that arrived to me with the sensor, transmitter and instructions. And the first thing I will complain about is that the instructions tell me to “Set Up App”, and give me the name of the app and its icon, but provides no QR code or short link to it. So I looked at their own FAQ, they only provide the name of the app:

The Dexcom G6 app has to be downloaded and is different from the Dexcom G5 Mobile app. (Please note: The G6 system will not work with the G5 Mobile app.) It is available for free from the Apple App or Google Play stores. The app is named “Dexcom G6”

Once I actually find the app, that is reported as being developed by Dexcom, I actually find Dexcom G6 mmol/L DXCM1. What on Earth, folks? Yes of course the mmol/l is there because it’s the UK edition (the Italian edition would be mg/dl), and DXCM1 is probably… something. But this is one of the worst way to dealing with region-restricted apps.

Second problem: the login flow uses an in-app browser, as it’s clear from the cookies popup (that is annoying on their normal website too). Worse, it does not work with 1Password auto-fill! Luckily they don’t disable paste at least.

After logging in, the app forces you to watch a series of introductory videos, otherwise you don’t get to continue the setup at all. I would hope that this is only a requirement for the first time you use the app, but I somewhat don’t expect it to be as good. The videos are a bit repetitive, but I suppose they are designed to help people who are not used to this type of technology. I think it’s of note that some of the videos are vertical, while other are horizontal, forcing you to move your phone quite a few times.

I find it ironic that the videos suggests you to keep using a fingerstick meter to take treatment decisions. The Libre reader device doubles as a fingerstick meter, while Dexcom does not appear to even market one to begin with.

I have to say I’m not particularly impressed by the process, let alone the opportunities. The video effectively tells you you shouldn’t be doing anything at all with your body, as you need to place it definitely on your belly, but away from injection sites, from where you could have a seatbelt, or from where you may roll over while asleep. But I’ll go with it for now. Also, unlike the Libre, the sensors don’t come with the usual alcohol wipes, despite them suggesting you to use it and have it ready.

As I type this, I just finished the (mostly painless, in the sense of physical pain) process to install the sensor and transmitter. The app is now supposedly connecting with the (BLE) transmitter. The screen tells me:

Keep smart device within 6 meters of transmitter. Pairing may take up to 30 minutes.

It took a good five minutes to pair. And only after it paired, the sensor can be started, which takes two hours (compare to the 1 hour of the Libre). Funnily enough, Android SmartLock asked if I wanted to use to keep my phone unlocked, too.

Before I end this first post, I should mention that there is also a WearOS companion app — which my smartwatch asked if I wanted to install after I installed the phone app. I would love to say that this is great, but it’s implemented as a watch face! Which makes it very annoying if you actually like your watch face and would rather just have an app that allowed you to check your blood sugar without taking out your phone during a meeting, or a date.

Anyhoo, I’ll post more about my experience as I get further into using this. The starter kit is a 30 days kit, so I’ll probably be blogging more during February while this is in, and then finally decide what to do later in the year. I now have supplies for the Libre for over three months, so if I switch, that’ll probably happen some time in June.

Musings after buying a smart plug

I know that people will go and start ranting on using terms like “Internet of Shit” just for the title I’m using here. Despite being as wary and cynical about the subject of connected appliances as the next security-aware engineer, I want to point out that those reactions are blind and lacking empathy. So if your answer is to think that you’re smarter than the plug and me combined, there’s maybe no reason for you to stay around to read the post.

I also need to put the usual disclaimer forward: I work for Google, a company that produces “smart” appliances. I don’t have anything to do with the hardware products, have no special insight into them, and I am her talking about things as myself alone. I’m also not really talking about Google hardware beside for a few references to the Assistant here and there, and that’s simply because I happen to be using Google Home as my hub.

As I said I’m fairly cynical about smart appliances. It took quite a bit for me to even buy a single one, but I’m now a very happy user of a LIFX Mini Colour smart bulb. It was probably this year’s best gadget buy for me, and it is not just about the ability to control the light with an app on my phone — or with the Assistant. The bulb can dim, change colours, and can be set onto a dynamic schedule. It’s extremely convenient, and an improvement in my quality of life, particularly by setting it to red as I go to sleep, instead of keeping it bright white.

Of course, like always when buying a device that relies on external services to work (the infamous “cloud”), I am still worried about the risk of the company going under, or dropping support for my specific device, and letting me deal with the broken pieces. But quite honestly, if you tried to avoid all the cloud-based services and hardware nowadays, you will end up a luddite. And maybe you want that. Besides IKEA, that requires their full bridge, I don’t know of any other smart home brand that provides local-only controls — and local-only means no talking to the Assistant to turn on the light as part of the morning routine.

I’m happy enough that my LIFX can be controlled without an active Internet connection (this happened before). Maybe I’ll follow Matthew Garrett’s example and start reverse engineering it into a Python script for the rainy days.

But I digressed enough. What I wanted to talk about was rather smart plugs. Because that’s a device I’m not entirely sold on the idea of smart plugs, I started the original draft of this post because I thought they were completely useless. I changed my own mind as I was writing this, and that’s why I actually wanted to post this.

So why did I buy a smart plug if I am not sold on the idea? Well, since this is our first Christmas together, my girlfriend wants to have a proper Christmas tree at home. And since I would like to see the tree while I approach the apartment on the bus or on foot (hey, I have not had a Christmas Tree for more than a decade, I can have some fun!), I would like to have IFTTT turn it on for me.1

I ended up buying a TP-Link Smart Plug (UK version), which comes with their own app, and integration with the various services including IFTTT and Google Assistant. Which means we’ll be able to say “Hey Google, turn on the Christmas Tree!”

There are differences between a smart bulb and a plug though. The former adds a significant amount of value add, with things like dimming, different colours, and so on. A smart plug is still only a binary operator, it’s either on, or off. You cannot do fine-grained control over that, you can only turn things on or off.

So after thinking about this, I realized there are a few requirements for something to make sense to have connected to a smart plug:

It needs to be something that cannot stay on standby the whole day. Because if it can, there’s no real advantage in having a smart plug for it, keeping it in stand by is easier, and can easily be cheaper, as the stand-by of the plug connected to WiFi might be higher consumption than the device itself.

It needs to be something that can be at least “readied” unattended. Turning on the plug for a hairdryer is not going to be very useful, if you’re not there to use it. Also if readying something unattended is too risky, it’s a bad idea to use a smart plug. This is the case for clothes irons for instance; I wouldn’t want to turn mine on if I’m not there to make sure that it’s not on top of something it shouldn’t be.

If it’s something that comes with consumables, it needs to have big enough reserves, or a way to feed itself. Going back to the clothes iron, the one I have does not have enough of a water tank. If I was to turn it on too soon, it would just waste all of it and I would go and find it empty, which is just as bad.

Given these considerations, one of the common suggestions I hear is coffee makers. At first I thought this was pointedly American, as indeed a percolator style coffee can be filled in in the evening, and then be set to turn on in the morning and make coffee for you to drink. When I spent extensive time in Los Angeles, I used the timer on a percolator to make sure I would have hot “coffee” ready immediately after waking up. But then I realized that this is very similar for Italian-style espresso machines, too: they have an internal boiler that takes a while to get to temperature and be usable, they usually have a tank big enough for a full day (or in some cases they may be connected to the water mains), and they consume enough power in standby that you wouldn’t want to keep it turned on overnight. For those who don’t drink coffee, the same can be true of automated teawakers or teamakers — I had one from Twinings back in Italy.

Another appliance that fits the bill fairly well is the electric bathroom heater, or towel rack. Heating in general is likely better suited by a smarter “whitebox” approach — indeed I have booked an appointment to install a Nest thermostat at my apartment, after getting my landlord’s permission, because I want to be able to automate hot water availability and easily tweak the temperature over the day. But in some cases, you have additional bathroom heating that has less control: I have on/off towel racks in my bathrooms in London, and my mother uses a small electric heater in Italy, after we messed up with the house’s heating plan by replacing a bulky and leaky boiler with a more modern and efficient one.

Now for both of these examples, smart plugs are not the only obvious solution. Indeed, percolators, teawakers, and espresso machines, as well as many small electric heater, often come with their own timer. This works great for the people who have a clear schedule and fixed routine. In my case that’s rarely the case: I wake up at a different time depending on what my day looks like, sometimes I oversleep because I had a bad night, sometimes I’m up earlier than average because my girlfriend is staying over and she has to go to work. A similar result exists for my mother due to different requirements: she lives alone and really doesn’t have any reason to get up a fixed time unless she’s waiting for deliveries, services, or stuff like that. And since the house is on two floors, and she has knee pain, being able to turn on the heating, get the bathroom ready, or make sure that the coffee machine is warmed up without having to get downstairs immediately, would be a very nice feature.

I can definitely see myself appreciating the idea of saying “Hey Google, Good Morning”, and know that by the time I finished listening to the BBC News headlines, the coffee is ready and still hot for me, while the bathroom is warm enough to take a shower in. Doesn’t really work for me here, because I make pour-over coffee, and the towel rack is not controlled by a normal plug, but I can dream can’t I?

By the way, Google Assistant can do that, although it’s a bit hidden: from the [Home](https://play.google.com/store/apps/details?id=com.google.android.apps.chromecast.app app, go into the Account tab (the last one on the right), click Settings, go to the Assistant tab, and then select Routines. From there you can set up the actions you want taken when you give it a specific hotphrase.

For most of other appliances, I would probably need more whitebox smartness. I already rely on the timer for my washing machine, but it would be nice to just put it into “standby”, loaded and locked, but not start it until I wake up, or until I’m actually leaving the apartment (I don’t get woken up by the noise of the one I have here in London, but I would have been by the one in Dublin). And something that can remind me was I get home (“Hey Google, I’m home”) that I need to unload the dishwasher.

One of the things that I actually nearly considered giving a smart plug to was the Air Wick freshner. While I would love having a fine grained intensity control that would keep a background fragrance during the day, but raise it just as I’m ready to get home, to make me feel good, just having the ability to turn it off the moment I leave and on again when I come back home, would be a very nice thing to have. On the other hand, it turns out that the plug-in device consumes significantly less power than the smart plug in stand-by, so it makes no sense as it is.

I guess using more sophisticated fragrance delivery devices, such as Yankee Candle’s Scenterpiece (that my mother has, at home) would make more sense. Alternatively, Muji has very nice oil burners, though they have a small tank for water, and candle warmers are getting more common (these are probably better than the Scenterpiece in my experience). Unfortunately these are usually table-top devices, rather than plug-in, and I don’t have the space where I would want to use it. So if someone from Air Wick or Ambi Pur is reading, consider that I would pay just as much as a smart plug to have a smart plug-in freshener that can be set to adjust the intensity over the day!

So to close it up, I’m somewhat skeptical about getting more smart plugs for myself, but I can definitely see a number of useful cases for them, as well as for smarter “whitebox” appliances. Indeed, if my mother had a decent Internet connection in 2018, I would probably set her up with quite a few of those, to make her life easier. Call them accessibility helpers, maybe.


  1. You may remember that I have some particular attachment to Christmas lights Rube Goldberg machinery. The idea of having my own IFTTT-compatible smart Chrimast light tube did pass through my head. 

Ads, spying, and my personal opinion

In the past year or so, I have seen multiple articles, even by authors who I thought would have more rational sense to them, over the impression that people get about being spied upon by technology and technology companies. I never got particularly bothered to talk about them, among other things because the company I work for (Google) is one that is often at the receiving end of those articles, and it would be disingenuous for me to “defend” it, even though I work in Site Realiability, which gives me much less insight in how tracking is done than, say, my friends who work in media at other companies.

But something happened a few weeks ago gave me an insight on one of the possible reasons why people think this, and I thought I would share my opinion on this. Before I start let me make clear that what I’m going to write about is something that is pieced together with public information only. As you’ll see soon, the commentary is not even involving my company’s products, and because of that I had access to no private information whatsoever.

As I said in other previous posts, I have had one huge change in my personal life over the past few months: I’m in a committed relationship. This means that there’s one other person beside me that spends time in the apartment, using the same WiFi. This is going to be an important consideration as we move on later.

Some weeks ago, my girlfriend commented on a recent tourism advertisement campaign by Lithuania (her country) on Facebook. A few hours later, I received that very advertisement on my stream. Was Facebook spying on us? Did they figure out that we have been talking a lot more together and thus thought that I should visit her country?

I didn’t overthink it too much because I know it can be an absolute coincidence.

Then a few weeks later, we were sitting on the sofa watching Hanayamata on Crunchyroll. I took a bathroom break between episodes (because Cruncyroll’s binge mode doesn’t work on Chromecast), and as I came back she showed me that Instagram started showing her Crunchyroll ads — “Why?!” We were using my phone to watch the anime, as I have the account. She’s not particularly into anime, this was almost a first as the material interested her. So why the ads?

I had to think a moment to give her an answer. I had to make a hypothesis because obviously I don’t have access to either Crunchyroll or Instagram ads tracking, but I think I’m likely to have hit close to the bullseye and when I realized what I was thinking of, I considered the implications with the previous Facebook ads, and the whole lot of articles about spying.

One more important aspect that I have not revealed yet, is that I requested my ISP to give me a static, public IPv4 address instead of the default CGNAT one. I fell for the wet dream, despite not really having used the feature since. It’s handy, don’t get me wrong, if I was to use it. But the truth is that I probably could have not done so and I wouldn’t have noticed a difference.

Except for the ads of course. Because here’s how I can imagine these two cases to have happened.

My girlfriend reads Lithuanian news from her phone, which is connected to my WiFi when she’s here. And we both use Facebook on the same network. It’s not terribly far-fetched to expect that some of the trackers on the Lithuanian news sites she visits are causing the apartment’s stable, static, public IP address to be added to a list of people possibly interested in the country.

Similarly, when we were watching Crunchyroll, we were doing so from the same IP address she was checking Instagram. Connect the two dots and now you have the reason why Instagram thought she’d be a good candidate for seeing an advert for Crunchyroll. Which honestly would make more sense if they intended to exclude those who do have an account, in which case I would not have them trying to convince me to… give them the money I already give them.

Why do I expect this to be IP tracking? Because it’s the only thing that makes sense. We haven’t used Facebook or Messenger to chat in months, so they can’t get signal from that. She does not have the Assistant turned on on her phone, and while I do, I’m reasonably sure that even if it was used for advertisement (and as far as I know, it isn’t), it would not be for Facebook and Instagram.

IP-based tracking is the oldest trick in the book. I would argue that it’s the first tracking that was done, and probably one of the least effective. But at the same time it’s mostly a passive tracking system, which means it’s much easier to accomplish under the current limits and regulations, including but not limited to GDPR.

This obviously has side effects that are even more annoying. If the advertisers start to target IP address indiscriminately, it would be impossible for me or my girlfriend to search for surprises for each other. Just to be on the safe side, I ordered flowers for our half-year anniversary from the office, in the off-chance that the site would put me on a targeting list for flower ads and she could guess about it.

This is probably a lot less effective for people who have not set up static IP addresses, since there should be a daily or so rotation of IP addresses that confuses the tracking enough. But I can definitely see how this can also go very wrong when a household dynamic are pathological, if the previous holder of the address managed to get the IP on targeted lists for unexpected announces.

I have to say that in these cases I do prefer when ads are at least correctly targeted. You can check your Ads preferences for Google and Facebook if you want to actually figure out if they know anything about you that you don’t want them to. I have yet to find out how to stop the dozens of “{Buzzword} {Category} Crowdfunding Videos” pages that keep spamming me on Facebook though.

Updated “Social” contacts

Given the announcement of Google+ shutdown (for consumer accounts, which mine actually was not), I decided to take some time to clean up my own house and thought it would be good to provide an update of where and why you would find me somewhere.

First of all, you won’t find me on Google+ even during the next few months of transition: I fully deleted the account after using the Takeout interface that Google provides. I have not been using it except for a random rant here and there, or to reach some of my colleagues from the Dublin office.

If you want to follow my daily rants and figure out what I actually complain the most loudly about, you’re welcome to follow me on Twitter. Be warned that a good chunk of it might just be first-world London problems.

The Twitter feed also gets the auto-share of whatever I share on NewsBlur, which is, by the way, what I point everyone to when they keep complaining about Google Reader. Everybody: stop complaining and just feel how much better polished Samuel’s work is.

I have a Facebook account, but I have (particularly in the past couple of years), restricted it to the people I actually interact with heavily, so unless we know each other (online or in person) well enough, it’s unlikely I would accept a friend request. It’s not a matter of privacy, given that I have written about my “privacy policy”, it’s more about wanting to have a safe space I can talk with my family and friends without discussions veering towards nerd-rage.

Also, a few years ago I decided that most of my colleagues, awesome as they are, should rather stay at arms’ length. So with the exception of a handful of people who I do go out with outside the office, I do not add colleagues to Facebook. Former colleagues are more likely.

If you like receiving your news through Facebook (a negative idea for most of tech people I know, but something that the non-tech folks still widely prefer it seems), you can “like” my page, which is just a way for WordPress to be able to share the posts to Facebook (it can share to pages, but not to personal accounts, following what I already complained before about photos). The page also gets the same NewsBlur shared links as Twitter.

Talking about photos, when Facebook removed the APIs, I started focusing on posting only on Flickr. This turned out to be a bit annoying for a few of my friends, so I also set up a page for it. You’re welcome to follow it if you want to have random pictures from my trips, or squirrels, or bees.

One place where you won’t see me is Mastodon or other “distributed social networks” — the main reason for it is that I got already burnt by Identi.ca back in the days, and I’m not looking forward to have a repeat of the absolute filter bubble there, or the fact that, a few years later, all those “dents” got lost. As much as people complain how Twitter is ephemeral, I can still find my first tweet, while identi.ca just disappeared, as I see it, in the middle of nowhere.

And please stop even considering following me on Keybase please.