Archive for March, 2009

Petition: Savings account summary box

Tuesday, March 31st, 2009 in Finance

Martin Lewis, of moneysavingexpert.com, has launched a petition on the Number 10 government petition site. He’s petitioning the Prime Minister to mandate savings account providers to include the current interest rates on every statement.

I think this is a worthy cause. Recently I’ve been trying to find the rates of my savings accounts and it’s certainly not as easy as it should be. It gets particularly tricky when a provider has multiple accounts with similar names, often the same account but different issues. Working out which you have can take some time.

So, if you agree please take a moment to sign the petition.

Thanks!

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WordPress plugin recommendations

Friday, March 27th, 2009 in Computing

I’ve been using WordPress for a few years and I’m now using quite a few plugins. Since I made use of other’s blog posts to find them I thought I’d return the favour and list the ones I’m using. So, here they are:

Plugins to make life easier for visitors

Visitors are the main reason blogs exist. If nobody is looking at your blog why bother writing it? So here’s a few plugins that make things a little easier for your visitors.

Yet Another Related Posts Plugin – website, wordpress directory

This plugins adds a list of related posts to the end of each post. It’s almost magical in how it works; it somehow just does the “right thing” without any configuration or input from you. It also adds related posts to your RSS feed, which is a great way to pull people back in to your site.

Since I’ve been adding excerpts to my posts lately I’ve configured this plugin to display excerpts in their entirety. I suppose if I write many more posts I might want to shorten them.

Subscribe To Comments – website, wordpress directory

Do you find it annoying having to check back on blogs you’ve commented on to see if others have commented too? If so, this plugin is almost for you. It will allow visitors to subscribe to comments being added to a post on your blog; when someone else comments they’ll receive an email update.

Sadly it won’t do anything to make your life easier visiting other blogs, but the more people that take it up the better. In fact, I’d go as far as to say this should be integrated in to WordPress itself.

Top 10 – website, wordpress directory

This is a handy little plugin that’ll keep track of visits to your site and allow you to display a list of the top 10 visited posts. It’s pretty basic but does the job. I’d like to see it have an expiry on it so you could list the top 10 posts over the last 30 days, for example (this is already possible – see the first comment below).

I did try and use StatPress Reloaded (see below) to do this, but its listing was pretty naff (didn’t display post titles) and it worked on a URL basis rather than a post basis.

Add to Any: Share/Save/Bookmark Button – website, wordpress directory

There’s a whole load of sites out there for bookmarking and discussing other sites, so it makes sense to allow readers to quickly link to your blog posts. This plugin does just that – it adds a button to the end of each post which allows visitors to share, bookmark and email your posts to all sorts of services and people.

In addition, there’s a Subscribe Button plugin, which I don’t use, that allows readers to quickly subscribe to your blog in a multitude of readers.

Search Engine Optimisation

To get visitors your blog needs to be found. As well as the automatic pings that WordPress sends out we need to make sure our blogs are easily found and indexed by search engines. These plugins help out with that process.

All in One SEO Pack – website, wordpress directory

This is the most popular plugin in the wordpress directory, and with good reason. It does various small tweaks to your site such as page titles and metadata, which in my experience do have a positive effect on the number of visitors. It’s surprising to see how little changes can make such a difference, but I won’t complain!

The nice thing about this plugin is that it’s all set to go after installation. You don’t even need to do anything to configure it, although it has plenty of options if you want to.

I highly recommend this plugin to all WordPress users.

Google XML Sitemaps – website, wordpress directory

I don’t have much experience with this plugin, or Google sitemaps for that matter, but given Google’s dominance of the search market it makes sense to play along with it. This plugin creates a map of your site (actually just a list of posts, categories, etc) and submits it to Google. In theory this allows Google to properly index your site, but I’d have thought it’d do a pretty good job of that on it’s own.

It’s pretty straight-forward to set up, although if you have your blog under a sub-directory you might want to add a few static entries for the rest of your site. Then fire up the Google webmaster tools and submit the URL.

It turns out Google can also use your RSS feeds as sitemaps, so I did that as well.

Plugins to make things better for you!

We’ve looked at plugins to make life easier for your visitors and to bring more visitors to your site, but what about you? I’ve haven’t forgotten about the hard working blogger behind the site. Here’s a few plugins to help you out.

StatPress Reloaded – website, wordpress directory

This is an alternative version of the StatPress plugin. It gathers statistics about visitors including which posts they visit, where they came from, and what search terms they used to get there. It’s all information that’s available through Google Analytics (I’ve added that to my template, although there is a plugin to do it for you), but it’s nice to have it easily accessible within your admin area.

The information it provides is pretty interesting. I’ve found a few sites talking about my stuff and linking to me that I wouldn’t have found if the stats weren’t so readily available. I recommend giving it a try.

All in One Adsense and YPN – website, wordpress directory

Pretty much every personal site you visit these days has some form of advertising on it. Most overdo it, but done subtly it can be unobtrusive and provide an income stream. Don’t get me wrong, blogging isn’t a good way to make money – I certainly don’t make much – you have to put in a lot of work before you get anything worthwhile out of it. But if you enjoy writing blog posts why not make a little out of it?

This plugin makes it easy to insert adverts within the text of posts. In fact, there’s probably one somewhere within this post. It’s fully configurable and does most of the hard work for you. However, you will need an Adsense or YPN (which I don’t use) account to do it.

I have had some reservations about the way the donation code works, but it turned out to be just badly written code. Still, it gives me reason to not feel completely confident with this plugin, but until I find an alternative I’ll stick with it.

Math Comment Spam Protection – website, wordpress directory

Up until recently I had a graphical captcha plugin to help weed out spammers’ comments. After the problems I had with it I decided to switch to MCSP instead. It’s a simple plugin – it gives readers a simple mathematical sum to solve when posting a comment. That’s enough to keep the spammers at bay, but simple enough that any human should be able to do it.

I’m still in two minds about this one. On the one hand it is a lot easier than a graphical captcha, but at the same time those are what people are used to these days. I’ll give it some time and see how it goes, but the problem is that you never know if someone has given up on a comment because they couldn’t figure out the captcha.

Theme Test Drive – website, wordpress directory

The theme I currently have is based on the WordPress default and I’ve had it for a few year now. Lately I’ve been thinking about getting a new theme, but I was left with the problem of how to test them. That’s where this plugin comes in – it allows you, as an admin, to see a different theme on your site to your normal visitors. This allows for testing and development of new themes without making your site look like a mess whilst you do it.

I guess this plugin isn’t something that everyone would need, unless you’re addicted to changing your theme of course. But it’s a good one to have around, maybe disabled, until you do need it.

Plugins to help out lost visitors

My last group of plugins are those for dealing with people landing on a 404 page (this happens when the page they’re looking for doesn’t exist). If we can get the visitor to the page they’re looking for they’ll be much happier!

Useful 404′s – website, wordpress directory

This is the most useful of the 404 plugins that I have installed. It analyses what’s happened and both notifies the user of the problem and sends you an email to let you know. It distinguishes between broken internal links, broken incoming external links and out of date search results, and acts accordingly for each situation.

On its own this plugin only does half the job, but it’s still a useful part of the overall 404 solution.

Smart 404 – website, wordpress directory

This plugin sits nicely with Useful 404. It attempts to figure out possible posts the visitor could have been looking for and gives a list of those for them to choose from. It’s not perfect – its algorithms seem quite basic – but I guess it doesn’t have much information to work from.

Google 404 – wordpress directory

This plugin is fairly similar in purpose to Smart 404, but instead uses the Google 404 widget to provide visitors with useful information. However, at the moment it’s not doing anything useful for me, but I’ll give it some more time before I decide to drop it.

That’s the end of my plugin recommendations. I hope you’ve found them useful.

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Broken pingbacks – what’s to blame?

Tuesday, March 24th, 2009 in Computing

For a while I’ve been noticing a lack of pingbacks from people linking to me. At first I put it down to people just not linking to me, but then after discussions with a colleague today I realised I didn’t have that annoying problem of them happening when I link to my own posts. I tested further and realised they weren’t working at all.

I debugged the issue using the good old “print debug messages all over the place” method – crude but effective. I started in xmlrpc.php and discovered that it was stopping at this line:

$comment_ID = wp_new_comment($commentdata);

This meant it was getting as far as trying to post the comment. It was then that I had a lightbulb moment. What would be stopping comments being posted? My captcha to stop comment spam (has it really been three years since I set that up?), that’s what!

My colleague has been using a numerical captcha-style plugin called Math Comment Spam Protection (MCSP) instead. I did a quick comparison between it and the SecureImage plugin and fairly quickly found the difference. This is from the MCSP plugin:

if (  ( !isset($user_ID) ) && ( $comment_data['comment_type'] == '' ) ) {

// Do not check if the user is registered & do not check trackbacks/pingbacks

By comparison, the SecureImage plugin only checked if the user is registered:

// If the user is not logged in check the security code

if ( !$user_ID ) {

The fix looks simple. But, given the lack of updates for SecureImage I decided it was time to move on. So now I have the MCSP plugin instead, and pingbacks are once again working.

I just have one request to make. Can anyone who’s linked to me in the last three years please try again? :-)

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UK Bank Rate cut to 0.5%

Thursday, March 5th, 2009 in Finance

Today the Bank of England cut the bank rate (commonly known as the interest rate) to 0.5%, the lowest value ever recorded. They also plan to inject more money in to the system to try and get the economy going again. The governor said this policy would “eventually work”.

Now I get the reasons behind this. The economy worldwide is in a bad state at the moment and governments are forced to make tough choices to try and rectify things. But I’m selfish, and all I see is that the interest on my savings will be reduced yet again.

I’m in the position of many people these days. House prices were soaring and getting that first step on to the housing ladder was hard. So, we took the decision to rent instead of buy and to save our money for a future house deposit. This worked well when rates were high; we had no expensive mortgage to pay and our savings were working hard for us (although, inflation meant that looked better than it really was).

But now after numerous rate cuts we’re seeing no benefit, we’re just seeing our monthly interest payments dwindle. Looking back 12 months I think we were earning roughly 3 times what we are now. That’s a huge drop! Fortunately we don’t depend on the interest to live, but I feel sorry for those that do.

This has led me, and many others, to start searching for better ways to invest our money. For short to medium term maybe corporate or government bonds are a good choice? Whilst equities are likely still the best long term choice. Maybe Zopa is good for medium term as well. But these all bring risk, and now probably isn’t the time to gamble with your savings (at least not all of it).

Next month brings the start of the next tax year. We’re already starting to see some attractive cash ISA deals, so come April I’ll be hunting out the best deals for our money – I’ll be sure to post the results!

So where does this leave rates now? Hopefully this will be the lowest they can go. Is it actually possible they’ll drop to 0.25% or even 0%? Will banks start charging savers rather than paying interest? Time will tell…

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Statutory Credit Reports 2009

Sunday, March 1st, 2009 in Finance

A couple of years ago I wrote about my first experience getting statutory credit reports. At the time I said I’d do them on a bi-yearly basis, so a week ago I decided to do them again.

The process is the same as before. The credit referencing agencies, Experian, Equifax and Callcredit, have a statutory obligation to provide you with your credit report. They are allowed to charge a £2 fee, which I presume is to cover the admin cost of producing the report. The process isn’t as easy as it could be – all three agencies have premium services which provide analysis of the report, so they’d prefer you did that instead. Consequently, it can take a few minutes to find out how to request the statutory one.

So to make life easier here are the current links as of February 2009:

Why would you want to do this? There are a few reasons I can think of:

  1. You’re about to apply for credit, or have recently been refused credit, and want to check the information the credit issuer has access to.
  2. You’re concerned about identity theft and want to make sure there’s no credit in your name that you don’t know about.
  3. You just want to check that the information held about you is correct.

I fall in to the last category. Thankfully all was in order this year – the only surprise was that I was already linked to my wife’s credit report. It turns out applying for a joint bank account creates an association between you – that was news to me! Fortunately we both have good credit histories.

As a closing comment I’d like to remind readers that the data they hold about you is yours, and you have a right to see it. Financial institutions would have you believe this is their data and that it’s for their eyes only, but don’t be fooled. It’s well worth the £6 to find out exactly what they’re looking at when you apply for credit.

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