Even More Interesting but Useless Broadband and Internet Facts

Even More Interesting but Useless Broadband and Internet Facts

As we’re so confident that you will have loved our previous article listing interesting but useless facts about broadband and the internet, we’ve decided to compile another with even more fun online facts you won’t believe. Okay, you probably will believe them as you know what a strange and wonderful place the internet can be, but even so, we’re sure you’ll get a kick out of them. Some of these facts may prove useful at your local pub quiz, whilst others may simply offer you something interesting to tell your friends the next time you’re down at the pub. Just FYI, please don’t hold us responsible if your friends don’t in fact find them interesting.

Spam has been around a long time

Last time we spoke about how email had actually been around since 1971. Well, for a blissful 7 years, those fortunate enough to use email did not need to worry about spam. All that changed one fateful day in 1978 however. Back then, 600 internet users were the recipients of a spam advertisement for a presentation provided by Digital Equipment Corporation for what was known as DEC system 2020. None of these 600 people asked for this email, and none found it useful. If only they knew then what we know now about spam.

You can still access the world’s first website

As we’re on the subject of world firsts, you can actually still access the very first website in the world. That’s right, it’s still online! Needless to say, it’s a very primitive HTML site, and it contains nothing more than a couple of lines of text, created via the first version of HTML. The site, if you’re interested, is info.cern.ch.

URL meaning

Ever hear people talking about a website’s URL, and you just nod your head aimlessly, hoping that the subject of conversation will soon change? Yes, us too. Well, the next time you hear people talking about web URLs, you can now relax, safe in the knowledge that URL stands for Uniform Resource Locator.

Gmail was once owned by Garfield

When you think of broadband and Gmail nowadays, you think of Google. Well, once upon a time, the hugely popular cartoon cat Garfield, actually offered an email service named Gmail. Google later acquired the service, and the rest, as they say, is history.

The internet sure has a lot of naked women

Okay, we know that the internet is a pornography haven, but did you know that around 80% of all online images out there are of a naked woman of some description? Well, you do now. Currently, the online adult industry generates around £2,300 every second. Yes, we did say second, and now you know why there are so many naked ladies out there.

The internet took off very quickly

To reach 50 million internet users, it took just 4 years. To put that into perspective, TV took 12 years, whereas radio took a whopping 38 years. Hooray for broadband.

Myths About Car Finance and Insurance

Myths About Car Finance and Insurance

Buying a new car is either a treat, or a chore. Some people take great pride in their vehicles, while others view them purely as necessities. The great thing about the motor industry nowadays, however, is that thanks to the numerous car finance deals currently available to us, we can purchase a variety of new and attractive vehicles without bankrupting ourselves in the process. As well as car finance however, there’s also the insurance to consider. When it comes to finance and car insurance, there’s a lot of myths and misconceptions that need clearing up. That’s what we’re aiming to do today. Here’s a look at a few common myths and misconceptions about car finance and insurance.

You don’t need to pay an excess if you’re not at fault

This is one of the most common myths surrounding car insurance, and it’s simply not true. Many people out there seem to think that if they make a claim that wasn’t their fault, I.E if another insured vehicle crashes into them whilst they were stationary, that they don’t need to pay the excess. The truth is that you still need to pay the excess up front. The good news is that most insurers will refund this excess if it is deemed that you were genuinely not at fault. This is why it’s important to remember to go with an excess that you know you can afford.

Car finance is a rip off

When you speak to a lot of people about car finance, many of them will tell you that it is a rip off and waste of money. Yes, the finance companies do charge more than the vehicle is worth because it is from the interest payments that they are able to make their money. These interest rates are usually very competitive and very affordable. Car finance is ideal because it allows you to purchase an expensive vehicle and pay for it over the course of several months/years, by making affordable monthly payments. If you go with the right deal, car finance is actually anything but a rip off.

Some colours of car are more expensive to insure than others

We’re not quite sure where this myth originated from but take it from us that it is simply not true. Some people claim that black cars and red cars, are more expensive to insure than others. We don’t know why people assumed this, but it is simply not true at all. It is incredibly rare for an insurance company to even ask what colour your car is, so please do not avoid red or black cars if you are trying to save money on your insurance because in reality it won’t make any difference at all.

Credit scores don’t matter

When you are looking to pay your insurance on a monthly basis, insurance companies will check your credit rating. After all, they want to know that they are going to get their money on time, and your credit rating will help reassure them. If you have a poor credit score, getting car finance will be much tougher, as will finding affordable monthly insurance deals as well.

Mortgages – 4 Things to Look for When You Are House Hunting

Mortgages – 4 Things to Look for When You Are House Hunting

It doesn’t matter whether you’re looking to get onto the property ladder for the very first time, or if you’re a seasoned property buyer, knowing what to look for when you’re house hunting is absolutely vital. We know that buying a house in this day and age is a heck of a lot more complex and expensive than it was a generation ago, but if you keep your eyes peeled, choose the best mortgages, and know what you’re looking for, buying a property needn’t be as hard as you may have imagined. When buying a property, you need to ensure that your heart doesn’t rule your head, which is why we’ve compiled this article on mortgages and things to look for when house hunting.

Mortgage providers

Okay, now, assuming you have your eye on a property that seems to be ticking all of the right boxes, one of the main things you need to consider is who is providing your mortgage. You can of course speak to a mortgage advisor and speak to various other experts who specialise in the field of mortgages, but ultimately you need to decide who to contact if you are looking to take a mortgage out on a property. Knowing who to speak to will determine what kind of a mortgage deal you get, how much you will be lent, and how much it will cost you each month to pay it back.

The area

When buying a property, one of the most important things to consider is the area. It could be the nicest property in the world, but if the area is not right for you, living in the property itself just won’t feel right. Ask yourself if the area is right for you. Does it have a reputation for crime and/or anti-social behaviour or is it quiet and peaceful? Does it have all of the local amenities you would need to live comfortably? What are the schools like if you have children? Are there good transport links, do you get a good vibe from the area? All of this, and much more besides, will need to be considered when it comes to the area.

The location of the house

Okay, so assuming you like the area the property is located in, what do you think about the location of the house itself? Does it have a nice view if you want one? Is it located on a flat surface or on a hill or steep incline? What’s the garden like? Are you heavily overlooked by your neighbours? Will you be able to park your car/cars? All of this is also very important when you’re searching for your dream home.

Size of the property

If you’re simply buying for yourself, there’s a good chance that you won’t want to purchase an overly-large property with, say, five bedrooms. If however, you have a large family, you’ll need a fairly-large home. People always seem to focus on the bedrooms when buying a home, and while this is important, you also need to remember bathrooms. One bathroom shared between one large, or even average-sized family, is a recipe for disaster. Basically, choose a property that is the right size for you and everybody else who may be living there.

4 More Interesting Stories About Broadband and the Internet

4 More Interesting Stories About Broadband and the Internet

As you know, the internet is now a fairly-large part of modern life. By fairly-large, we actually mean that it is an integral part of modern society, and without it, civilisation as we know it today would crumble. The internet plays such an important role in so many of today’s tasks that it’s hard to believe that it’s only really been very popular since the mid-1990s. At the time, the internet was considered the stuff of Science Fiction, but if we look back today at how it used to be, it would look decidedly primitive.

The internet can be funny, it can be scary, and it can be downright bizarre. One thing that is for certain however, is the fact that it’s going nowhere anytime soon. Here are 5 more interesting stories about broadband and the internet that you probably hadn’t heard before.

The world’s first webcam

Webcams are used for all kinds of things, but do you know where the first webcam was created and what it was streaming? No, not that, so get your minds out of the gutter. The world’s first webcam was in fact created at Cambridge University back in 1991. The image the webcam was streaming was in fact located next door to the old computer room of the university. The image was of a coffee pot. The idea was that thirsty employees could monitor how much coffee was in the pot and would know when it was full and when it was empty. The stream was sadly retired back in 2001, but it had a very solid ten years and saved countless university employees from going thirsty.

Spam for everyone

Spam isn’t just a questionable “meat” product that is contained in a can. It turns out that spam is also very prominent when it comes to emails. We all receive spam and junk mail in our emails, but did you know that a whopping 70% of all emails sent online are in fact spam. Each minute we send over 200 million emails, so that is a heck of a lot of spam, we’re sure you’ll agree. Thank goodness for spam filters, huh?

Italy isn’t as fond of the internet as others

We’re not sure whether it’s because the weather is so beautiful, the quality of life is better, or because people are simply busy doing other things, but Italy does not use the internet as much as the rest of the world. In China, there are literally camps designed specifically to treat people addicted to the internet. In Italy however, roughly one third of the population has never used the internet before.

All hail the creator

We all know what the World Wide Web is, but do you know who is credited with creating it? Well, you will shortly. The man responsible for creating the web is an English computer scientists and engineer named Tim Berners Lee. It is actually Sir Tim Berners Lee, as back in 2004 he received a Knighthood from Her Majesty the Queen.

Interesting Car Finance and Motoring Facts You Probably Hadn’t Heard Before

Interesting Car Finance and Motoring Facts You Probably Hadn’t Heard Before

For many of us, our cars aren’t just oversized boy’s toys that we get to play around with at the weekend. No, they’re our lifelines. Without a means of transportation, even the most trivial of tasks becomes a chore. Thanks to car finance and various other payment options, it’s now possible for us to own expensive vehicles and spread the cost out over several years to help keep payments low. If you’re a fan of the motor industry however, this article could prove particularly interesting. Below we’ll be listing a series of car finance and motoring facts that you probably won’t have heard before. So, without any further hesitation, let’s begin.

The UK produces a lot of cars

Although the manufacturing of motor vehicles isn’t the first thing that springs to mind when we think of the UK, the truth is that we produce a heck of a lot of cars. In fact, on average, the United Kingdom produces more than 60 million cars every single year. That works out at roughly 165,000 cars per day. That’s pretty-impressive, we’re sure you’ll agree.

The world’s very first speeding ticket

There are fewer easier ways to find yourself in a bad mood, than to get home, check the post, and see that you have been issued with a speeding ticket in the post. We know that speed limits are in place for a reason, but sometimes they aren’t clearly signposted, and sometimes people simply aren’t paying attention, and consequently they pay the price – literally. The world’s very first speeding ticket, however, was issued over a century ago. It was issued back in 1902 and was issued to a motorist travelling at 45mph.

We spend a lot of time stuck in traffic

When you’re feeling stressed and agitated, going for a nice leisurely drive through the countryside is a great way to unwind. Sadly, not all of us can afford this luxury on a regular basis and some of us find ourselves stressed and agitated because of traffic. In the UK, the average driver will spend an average of 99 days of their life stuck in traffic. Now, if that’s not soul-destroying then we don’t know what is.

Ford were responsible for car finance

Nowadays we take credit for granted as we can get it for virtually everything. Way back in 1908 however, the world’s first mass-produced vehicle was the Ford Model-T. It cost $850 at the time, which is now the equivalent of $20,000+. Needless to say, not everybody had that type of money to spend on a car. To help boost sales, many dealerships offered this vehicle to paying customers via instalment loans. Back then it wasn’t regulated, but the premise was still the same as it is now when it comes to car finance.

The inventor of cruise control was blind

Ralph Teetor was the man responsible for inventing cruise control. Ralph was an inventor and the president of car vehicle manufacturing company. He was also blind so didn’t drive himself. After one too many car trips with his lawyer, Ralph decided to invent cruise control. The story goes that his lawyer was a bad driver that would always slow down when speaking and speed up when listening. By 1958, the world’s first cruise control unit was used commercially thanks to Chrysler.

Mortgages – 4 Top Tips for Letting a Property

Mortgages – 4 Top Tips for Letting a Property

With mortgages becoming tougher and tougher to obtain, and with house prices increasing, getting on the property ladder is now a whole lot tougher than it was several decades ago. With that said however, with the right amount of determination, dedication, and hard work, it can certainly be done. Once you have purchased a property, rather than worrying about mortgages and repayments etc, you could actually use the property to earn you some money. How? By letting it out.

Becoming a landlord could earn you some serious money, and it is a great way of making yourself some additional income in the process. Some people rent properties out as a way of earning a little extra cash, whereas other people do so as a full-time job. Whether you wish to become a full-time landlord or simply use a property to make you some extra spending money, here’s a look at our 4 top tips for letting a property.

Get the property ready

First and foremost, when you’re ready to let out a property you need to ensure that it is habitable and ready to be lived in. There are certain rules and regulations that must be adhered to, and different district councils have different rules so it’s well worth knowing the various rules and regulations well in advance. You should also give it a fresh coat of paint, carry out any repairs that need doing, and make it as pleasant as possible to live in.

Don’t try to cut corners

Unless you’re the luckiest landlord in the world, when you have a property you want to let out, it will almost certainly have some problems that you will have to deal with. The last thing you should ever do is try to cut corners and get the issues resolved on the cheap, because ultimately this will come back to bite you in the behind at some point. If there is a damp problem and you can visibly see mould/damp patches on the walls, don’t just paint over them and rent the property as quickly as you can. Instead, find out what’s causing the damp and get that fixed. If a job is worth doing, it’s worth doing right, so just bear that in mind.

Do your research

Before you decide whether or not to rent out a property, it’s very important that you do your research and try to find out as much about the area as possible. Don’t just look at transport links and amenities etc, try to look into average rent prices in the area too. It’s very important that you know what to charge your tenants, as the last thing you want is to be under or over-charging them.

Anticipate the worst

In a perfect scenario, you’d rent your property out to a wonderful couple who always pay their rent on time, plan on staying in the property for the foreseeable future and look after it and keep it in pristine condition. Unfortunately, life doesn’t always work like that. Sometimes there will be times when the property is empty, and you aren’t making money on it. There may also be issues with having your rent paid on time, and with problem tenants. Prepare for the worst but know how to react.

5 Things to Consider When Choosing a Broadband Provider

5 Things to Consider When Choosing a Broadband Provider

In this day and age, it’s safe to say that we rely on the internet and on broadband for virtually everything. Okay, maybe that’s a slight exaggeration, but we do rely on it for a heck of a lot. Whether you need broadband for use in the home, or for use in your business, the important thing to remember is that finding the right broadband provider is essential. Without the right provider, your coverage will suffer, and life will become much harder than it needs to be. If you’re on the lookout for a new broadband provider, here are 5 things you will need to consider.

Your download limits

One of the most important things to consider when choosing a new broadband provider is whether download limits. If you rarely use the internet and don’t download a great deal, a lower limit may be beneficial and probably will be cheaper. If you do a lot of downloading, or you are a large household or a business, choosing a package with unlimited downloads should be high on your list of priorities. This package will probably cost slightly more, but if you do download a lot, it will certainly be worth it.

Price

Before you start getting sucked in with deals that sound too good to be true, a very important thing you will need to consider is the cost. If you’re looking to purchase a new broadband package, how much can you realistically afford and more to the point, how much do you want to spend? Before you begin searching for a new broadband provider, take the time to figure out how much you can afford and how much you want to spend and then give yourself a budget.

Service in your area

Another important factor to take into consideration is the service in your area. Some rural locations for example, may struggle to get a good service or fast speeds from certain providers. If you require fast speeds, it’s worth doing your research and finding out which providers happen to offer the best service in your area.

Customer service

Never underestimate the importance of good customer service. Remember, modern technology is wonderful when it works. When it isn’t working however, it can be a real nightmare. When your broadband goes down, and trust us, it will likely go down from time to time, no matter how awesome it is, you need to be safe in the knowledge that help is never far away. This is where friendly and efficient customer service proves to be so useful. When you’re searching for a broadband provider, try to find out about their customer service and find out whether people rate it or not.

Length of contract

Finally, the last thing you need to consider when searching for a broadband provider is the overall length of your contract. Unless you get an unbelievably good deal, the last thing you want is to find yourself tied down to a lengthy contract. If you aren’t sure in the early stages, it’s best to go with a relatively short contract, as that way if your deal isn’t right, you won’t have long to left before you can switch providers. If it does work out, you can always renew and perhaps opt for a longer contract the next time.

4 Reasons to Get a Mortgage and Buy a Property

4 Reasons to Get a Mortgage and Buy a Property

For first-time buyers, getting on the property ladder is one of the most difficult processes in the entire world. As people say however, ‘nothing in life worth having comes easily’ and that is very true when it comes to buying a property.

Once you take the plunge, save up the deposit, wade through various mortgages options and eventually sign on the dotted line and receive the keys to your new home, you’ll be so glad you did it. All of those years of hard graft, saving, stressing, and preparation will have been worthwhile. If you’re still not sure whether or not getting a mortgage could be right for you however, here are 4 reasons to get a mortgage and buy a property for the very first time.

Buying a house is an investment

Most things in life, tend to lose value the second we purchase them, with cars being a prime example (unless it’s a classic). Some purchases however, prove to be fantastic investments. Gold is one, and property is another. When you find yourself wondering whether the numerous mortgages deals you were offered were worth it, just remember that house prices are almost certain to increase with each passing year. Each year house prices will generally increase in value, which means that, when the time does come to sell up, if that’s what you want to do, when you sell up you will receive a very impressive return on your investment.

You’ll have your independence

If you still live at home, or perhaps room share with others, even though you may enjoy yourself, sometimes you will crave your own space and independence. When you decide to get a mortgage and buy a property for the first time, you will find yourself having more independence than you could have ever imagined. You have your own space, you can decorate the way you want to, you can wear what you want, and you can do whatever you want (within reason) as you will be under your very own roof.

You get to put your own unique stamp on the place

If you rent a property, a room, or still live at home, you aren’t the homeowner, so you don’t get to decide how to decorate and furnish the home. That means that, if you do want to decorate, you either have to ask permission first, or you simply know outright that redecorating is not an option. Once you’ve obtained your mortgage and have moved into your new home however, you get to put your own unique stamp on the place and can furnish and decorate it however you like.

You take pride in ownership

Let’s face it, when we eventually obtain a mortgage and buy our very first property, this will be one of the proudest achievements of our lives so far. Buying a home will give you a great sense of achievement, and will give you something to be proud about.

4 Benefits of Car Finance

4 Benefits of Car Finance

When it comes to investments, there are some things in life that are guaranteed to increase in value. Gold is generally a prime example, as is property. But what about some investments that don’t pay dividends? Well, as fantastic as they are, a lot of people will tell you that cars lose value the second they leave the showroom.

To many of us however, we don’t care as we take great pleasure in driving around stylish motor vehicles. Rather than buying a used vehicle however, it might be worth looking into car finance instead. Here’s a look at some of the main advantages of choosing car finance.

Flexible payment options

One of the best things about getting a car on finance is the fact that it provides you with flexible payment options. Depending on the type of deal you get, and the deposit you put down, you can split your payments up into monthly instalments over a prolonged period of time. The longer the finance deal runs for, the less you will pay each month. Having this type of flexibility is very beneficial as it means you can pay a small amount each month and still have plenty of money left to cover other expenses such as, you know, living.

Purchase a nice car

Let’s face it, with bills to pay and lives to lead, not everybody has the luxury of being able to afford to pay thousands on a car, either new or used. Because of this, some of us are forced to spend a few hundred and buy a cheap, used banger just to get us from A to B. Normally these cars fail their MOT or break down so we wind up having to spend more anyway. By getting a car on finance however, you can purchase a newer, nicer, more reliable vehicle and still have plenty of money left to cover your other living expenses etc.

Safety

Another thing we don’t often consider when buying used cars on the cheap is the fact that as they are normally older, they lack certain safety features and are therefore more dangerous to drive. If you get a car finance deal and buy a newer car however, the car will be newer which already makes it safer. On top of that, it will also have more safety features and technology in general. Newer cars have parking sensors, cameras, ABS brakes, emergency braking, and much more besides. Car finance gives you the ability to purchase a safer, more advanced car, without spending a small fortune all in one go.

Save money

We know that with car finance you do wind up spending slightly more than the car is worth overall, but even so, you still end up saving a significant amount of money by going with a newer car. As the car is newer it is more reliable, so you’ll have to spend less on parts and repairs. What’s more, many new models are also road tax exempt as they give off such low emissions, so once again, that’s another saving.

How to Haggle for a Great Broadband Deal

How to Haggle for a Great Broadband Deal

As you probably know, without the internet we would be pretty-much done for as far as society goes. We rely on the internet and our broadband deals for a variety of reasons, and without it you wouldn’t be reading this article right now. We use the web for our shopping, we use it to pay our bills, we do our work online, and we like to spend our free time online in the process.

Needless to say, broadband providers have picked up on the fact that we’re so reliant on them, and to be quite frank, some of them are charging their customers extortionate amounts of money for a service that can be obtained much cheaper from somewhere else. If your broadband provider is ripping you off, it’s time to haggle and get a better deal, either from them or with somebody else. Here are some tips on haggling for a great broadband deal.

Ask your provider for a discount

First and foremost, we understand that switching broadband providers, while not being the hardest task in the world, is still another job we could do without. Ideally, we’d stick with the provider we’re with now, but would pay much less. Believe it or not, but one of the best ways of getting a better deal from your broadband provider is to simply give them a ring and ask them. You’d be amazed by how many times a simple phone call and the request of a discount works. At the end of the day, you’ve nothing to lose and everything to gain, so give them a call, tell them you’re unhappy with the amount you’re paying, and see what they can do for you.

Get quotes from elsewhere

Another great haggling technique when it comes to obtaining a broadband deal is to speak to other providers and get quotes from them. Tell them how much you are paying now and they will almost certainly offer you a better price for the same deal and service, otherwise you’d have no incentive to go with them. Once you obtain these quotes you can then go back to your current provider.

See if your current provider can beat the quotes you obtained

Once you’ve obtained a few quotes from other providers, call your current provider, tell them you are unhappy and are thinking of leaving because of the price, and tell them the cheapest quotes you were offered. As they will likely want to retain your custom, they will likely offer come back with an even better offer then the cheapest quotes you received.

Play hard ball

If you are still not happy with the offers your provider has come back to you with, now it’s time to play hard ball. Assuming you are at the end of your contract, or are soon to be, simply tell them that if they don’t offer you a better deal, that you are going to cancel and not renew with them again. If they value your custom, they will offer you a cheaper rate. If not, and you seriously are looking to leave, go with one of the other providers who gave you a quote and see which offers they have for you.