This Android phone tip may save you $THOUSANDS one day!

So picture this - you have an android phone (e.g. android 14 or 15) and you are happily using it in your favourite pub or eating house. You are checking your emails, reading Reddit, playing a game, talking to someone or reading a text message - just the usual stuff.

So, of course, at this precise moment your phone is unlocked simply because you are using it.

You have taken the precaution set up a SIM card PIN however, so that even if someone steals your locked phone and puts your SIM card into their own unlocked phone, they will not be able to steal from you by using your phone number to receive SMS password reset messages or call premium rate numbers. You think you are pretty safe...

But now, all of a sudden, someone snatches your phone out of your hand and since they now have your unlocked phone, they can easily access your SMS messages and emails. This means they can now reset your bank PINs and email passwords which then locks you out of your own accounts and gives them full access instead of you! Google will helpfully fill in any of your passwords! Two factor authentication is not a problem because the second factor is your phone!

Best long-term ETFs for UK investors (and retire with £3 million)!

If you just want to invest in the stock market, say with £100 each and every month (called 'dollar cost averaging') automatically taken from your bank account a few days after your pay day, what ETFs should you buy?

US investors, including the famous Warren Buffet, say to just invest in the S&P 500 but UK investors may also want to diversify outside US stocks because we are affected by foreign exchange rates as well as a 15% dividend withholding tax applied to US dividends.

However, US stocks have performed much better than UK or even EU stocks, even allowing for exchange rates and foreign taxes, so we have a difficult decision.

Generate autounattend.xml files for Windows 10/11

You may be familiar with https://www.windowsafg.com/ which helps you to generate unattend.xml file to automate Windows installations. Easy2Boot also includes a utility XMLtoE2B which can be used with WAFG.

There is also a site at https://schneegans.de/windows/unattend-generator/ which you may find useful.

These can be useful if you are installing Windows using Ventoy or Easy2Boot.