Insuring Pictures

Hello everyone,

It’s been a Week again … Mostly about stuff at work where we’re trying to do lots in a very short time, without enough in the way of resources. So, situation normal there then. It means we focus in on what we can do and defer plans for what we can’t. But getting there can be pretty exhausting, so I’ve been hitting the napping hard after the work laptop gets closed up.

Picture. We're looking at the white armour of a Star Wars Stormtrooper. They're holding up a phone in their right hand and a bag in their left. The captions are "Buys iPhone" "Because couldn't find the droid he was looking for."

Enough about work though. I’ve got some purchases / upgrades coming up. Let’s get the rant out of the way first 😀

So it came round to car insurance renewal time and it looks like the insurance company (Axa – don’t go to them) has decided to get in on the 2020s trend with hiking prices. For my 2018 Lexus CT (aka Posh Prius), they upped the premium from £350 to just over £600. Wowser. The reasoning when I gave them one of those unhappy emails “How did we do” “I will never do business with you again” was :

A rise in the claims for this type of car – I have over 20 years of no claims, how other people drive is up to them.

A rise in the cost of parts for cars – it’s a 2018 car that only just went out of manufacture.

An increase in the amount of technology in cars – it’s a 2018 car that has the same amount of technology in it as it did last year. (Although I have considered getting a dashcam)

An increase in injury compensation and medical costs – I have over 20 years of no claims and have no intention of getting involved in other people’s injury claims.

Incidentally, Axa had good financial results last year with steady growth (I checked them out), decent profits and I think dividends for the shareholders too. It’s not a savage raise in charges because they’re short of money, it’s pure greed.

So … another of those customer disservice emails that acts clever but the only thing it achieves is to lodge a last impression memory in an ex customer who will remember that the next time it comes to do any business that might involve them. In short, it’s one of those emails that should never have escaped the company, like when Novotel nickel and dimed me on a hotel last year. (Incidentally, Novotel denied me access to the car that weekend, the locked secure garage was also locked to me due to me not being provided with the code until check out)

I’m with eSure this year thanks to the meerkats for £360 again. Disclosure note – I went to them, I’ve never had approaches from insurance companies apart from where I’ve had to check a “yes you can contact me” as part of the normal business with them.

Picture. A cute puppy dog is sitting to the right, with jaws firmly clamped around a laptop computer to the left. The caption is "When your laptop is running low on space But your pupper helps by giving it a megabite"

Next up is phone – I should be doing the mobile phone update soon. The one I have is a Pixel 4, which has done well over the last 4 years. It’s paid off now though, so I can go for the upgrade with not much cost. Highlights are the camera, which brought those Northern Lights pictures, battery life has been good and it’s blissfully free of the spyware and annoyanceware garbage that was on my Galaxy S7. So I’ll go for a Pixel 8 “soon”. I could hold on to the Pixel 4 but it’s been showing odd behaviour on failed incoming calls and there’s awkwardness on using its hotspot for my second work laptop.

Picture. A lady is lying down on grass dotted with yellow flowers. She's holding a camera with a long lens, pointing to the right. She's looking down and to her right where there's a fluffy grey wolf. There is a baby deer standing on her back. The caption is "A photographer is approached by a baby deer and baby wolf while out in the field."

I’m looking more seriously at cameras … I don’t think I’ll have it before Boat Life 2024 in just over a week but I’ll definitely have it for the Lords cricket in May. What am I looking at getting ?

The Canon Ixus has done well, although it has its flaws in poor image stabilisation. The upgrade would be a Canon EOS R100 mirrorless camera. These are a new type, where the mirror that sends part of the image light up to a viewfinder isn’t included in the camera. Means more light goes to the sensor but you lose the optical viewfinder. Which is fine because I haven’t used a camera viewfinder in decades, I just take the pictures using the rear display.

Here come the links ! This one is for Canon’s page with the camera, memory card, lens and bag. (Linky) Disclosure note again – I’ll go Canon because the little Ixus 265 has done very well (except needing to keep it really steady) with excellent battery life and reliability. I’ve not had any approaches from any camera makers. (Us content people have to put these disclosure notes in so we’re not hiding an inducement or ad)

The specifications on the cameras look very much of a muchness. That’s the cheaper Canon mirrorless camera, which means cheaper plastic materials used to put it together. The sensor looks like it’s the same. The trick seems to be in the lens and one thing impressing me about Canon is that they put that little bit of extra effort in to make it easier to spend your money with them. Things like a guide to what all the letters and numbers in the lens mean. (Linky again for the full how to read those numbers guide). I need to get my knowledge up to speed on why all these matter but here goes for the numpty view :

Canon RF-S lens – this is the attachment type, means it’s designed for the mirrorless cameras.

18-45mm – this is the focal length. Two numbers mean you can zoom in and out. Lower number means everything is smaller. Bigger number happens for when you zoom in. (The linky above has pictures included in the guide, well worth a peek)

F4.5-6.3 – this is the aperture size. A smaller number means a bigger aperture, which lets more light in.

IS – this is for Image Stabilisation, so the camera should still get fairly sharp pictures if you’re moving it around. This one has a 4 step image stabiliser.

STM – this stands for Stepping Motor Technology. Most motors will be designed to keep spinning. Stepper motors are designed to go direct to a position and hold there until they need to move again.

Pulling something out of the Northern Lights set :

Picture. We're looking at a dark scene. We can see some vague people shapes in the lower segment. The scene is dominated by a sky full of the eerie green and some red glow from the Northern Lights.

That’s one of the ones from the Pixel 4. It’s taken from the ship flight deck, looking out aft. You’ll be able to see some light lines to the lower left and in the stars, where the exposure time has combined with a bit of ship movement. For partially sighted readers who depend on the alt-text being read out, the light lines are perhaps about 1cm as I see them on the editing screen, going horizontally and they’re curiously only visible on a small number of the visible stars.

Good to see stars in there too. The ISO level isn’t actually too high in this one. ISO being the exposure sensitivity. The file metadata is telling me the Pixel 4 chose settings of focal length 4mm (so it’s looking at the sky as intended), F1.7 for the aperture, a whopping 16 seconds of exposure time and ISO 695. The phone was on the tripod at the time. Looks like the little Ixus was able to get down to F3.6 aperture and I got a maximum of 1s exposure time out of it.

Being able to get into the detailed settings helps a lot and the little Ixus couldn’t really give those options.

I’d add a remote trigger, for the camera being on a tripod, and a spare battery to that camera, lens, memory card and backpack package.

One thing I’d say though – if you’re doing a big purchase, like a phone, or a camera, or something bigger like a car or a house, be an Intelligent Customer. Research what you’re buying before you commit any money. Sometimes the people with the products make it easy to find out what you’re buying. Sometimes they’ll hide why their product is cheaper than the alternatives.

But the thing to take away is that it’s Your Money you’re spending. It’s only the sales person’s when they’ve done a good enough job of parting you with the money.

And enjoy what you buy ! See you next time folks 🙂

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