Tips for earning more money as you spend

I've earned £3000 so far from Topcashback/Quidco/Reward Gateway. I earn £300 cashback a year by getting my SIM through Mobiles.co.uk + TCB. I earn hundreds by switching bank accounts, and moving money around 10 different bank accounts so I can get the monthly transfer bonus. I have a Barclaycard Reward for zero international transaction fees when abroad. Some cards have cashback on purchases. I have bonds with NSI, which is basically a free lottery ticket every month, earning over £1000 a month best case. I use Compare the Market to find me the lowest insurance every year rather than stick with the same plan. I use Zen Internet because they are super reliable and it's a fixed price forever. I use Vodafone because from tests and Ofcom charts, they have the best signal - though their customer service is not the best. Vodafone also have VeryMe (similar to O2 Priority) with ocassional freebies. I don't use Trainline because you don't get charged fees if you order direct, typically a ticket is valid for any operator, and their refund feature undermines better compensation via Delay Repay. Loyalty cards and reduced section can be a godsend. More advice on Money Saving Expert (by Martin Lewis), and good offers on HotUKDeals.

I'm a part-time vegetarian - here's why

Carbon footprint

The real problem of meat, beyond ethics or if it is healthy, or even the ruthless handling of animals, is the carbon footprint. Beef in particular is the worst offender. 

1. Cows release a lot of methane, which causes global warming 10x faster than CO2.
2. Some 3/4 of the water we process goes just into growing animals for food.
3. Huge areas of land previously occupied by biodiverse forests are now cultivated, which endangers the resilience of life and the intricate symbioses in the ecosystem, which ultimately threaten our ability to grow food for ourselves and any animals we farm.

https://ourworldindata.org/food-choice-vs-eating-local

https://www.waterfootprint.org/resources/Vanham-et-al-2013_2.pdf

https://www.bbc.com/news/science-environment-46459714

A vegetarian or vegan diet, at least if you only do it some days and not every day, means demand for meat will go down, and we can return land to nature. Also, limiting consumption of beef, and instead having meat that produces less CO2, like chicken or fish, would drastically reduce the damage.

Health

Meat is also not necessarily healthy, too much red meat causes high blood pressure, and processed meats like bacon, sausage and pepperoni cause cancer.

https://news.cancerresearchuk.org/2021/03/17/bacon-salami-and-sausages-how-does-processed-meat-cause-cancer-and-how-much-matters/

Vegans also live longer than omnivores:

https://www.purdueexponent.org/nation_world/article_ba11a723-6959-568d-85a6-ee64cda22ae3.html

https://plantyou.com/do-vegetarians-really-live-longer-than-meat-eaters-the-shocking-truth/

https://www.mdedge.com/obgyn/article/105574/heart-failure/vegetarianism-may-protect-against-heart-failure

Ethics

On ethics, cows especially are mistreated. Calves are taken from their mom right after birth, fed and milked to exhaustion like a machine, fed and washed in strong chemicals, killed without question if unhealthy or past their use, extremely bloated, trapped inside for most of their lives (they might get one day a year they are allowed to go outside, they actually jump and hop around like dogs when they are free to roam a grassy field), and it's clear they feel suffering. 

What do I eat instead?

• Huel (£10 off first order)
• Quorn
• Nuggets are especially good, just cook on a higher temp so they are more crispy
• Pepperoni is also really good

• Impossible burger is probably the best, cannot tell the difference
• But many decent ones are also out there
• Linda McCartney's vegetarian sausage rolls are also excellent

Find out more

• "Cow" (2021). The up-close footage clearly shows the cows scared, in pain, restless, worn down, and bellowing for help. Cows are not nurtured, they are treated like industrial tools.
• "Gunda" (2020). In particular, the ending.
• "Seaspiracy" (2021)
• David Attenborough's "A Life on Our Planet" (Netflix, 2021)
  
  
  
  
  
• Climate change food calculator: What's your diet's carbon footprint?
• Kurzgesagt on YouTube:

  

Response to "what is a woman?"

Woman is one possible adult gender or sex, typically associated with a certain range of genotypes and phenotypes that are associated with the term female.

Conditions: 

It's a spectrum (i.e. not binary, for example intersex people and women that produce more testosterone than some men) so the definition depends on if you're asking about biological sex, legal sex, or gender - they are not necessarily in alignment.

As only individuals can know their own gender, same as goes for things like sexual orientation, that means if someone says they are that gender, the best thing you can do is accept it at face value. This is accepted regardless of the underlying biological sex, because there are few situations that require the biological sex to be known, and it stands in solidarity with people who have gender dysphoria out of respect, as it is not a choice. This is why gender recognition certificates allow people to change their legal sex, because it is a valid and real thing.

Biological sex may appear immutable but ultimately is not immutable, in the same way that all DNA is not immutable, because genes mutate and can be edited, such as with CRISPR. It is also possible that genetics may differ based on other state information, in other words some genetic markers change given hormones applied to them. Hormones and their impact on sex and gender expression are best seen as two ends of a string, or a sympathetic and parasympathetic pathway, in the same way that when trees grow and drop their leaves, it isn't two discrete processes, but in fact one process under given conditions.

Science is not an absolute truth generator either because it can't answer things like are parrots good, and there are actually very few things that are objective - if any at all.

https://www.theguardian.com/world/2024/feb/02/gender-critical-beliefs-under-the-microscope

Neurodiverse observations: part 1

 Since we are now looking for examples of autism and neurodiversity, I just realised the following and thought I would share. I am not deliberately trying to criticise you, but I do want to offer friendly advice and help you in these social situations. don't expect you can instantly resolve any of these overnight because it takes a while to change habits, especially ones you might not be aware of. I recommend trying to spend just a little extra time observing, taking a breath, or whatever you do to relax and calm down, to also reduce your anxiety. I am also guilty of these from time to time so don't make it your life's work to live by these.

0. if you have anxiety or any kind of worry, others will pick up on it and it rubs off on them too. the easiest way to avoid this I find is just smile or compliment people at any opportunity, and it's free! a great way to break the ice too. if you're struggling with anxiety, my advice is always tackle it head-on rather than bury it, be that challenge someone or talk about how you feel, let it go, or write something down and save it for later. if you're not sure how you feel, shut your eyes, deep breath and take a moment to compose yourself before answering. there really is no rush to respond quickly.

1. speaking too loudly amongst friends / not reading the right volume at the right time. try to be aware of how loud everyone else is and how loud you need to be, at any given time

2. pedantry over terminology can come across as being a smart ass, even if you don't intend to. instead try to play it a different way, maybe "I looked into this and as far as I understand it, correct me if I'm wrong, so in a nutshell..." it's very mature to state humility up front, as often just telling people facts about things is informative, but jarring depending on context and the flow of conversation, so it's good to try and be emotionally intelligent and use mature defence mechanisms

3. forgetting things, multiple times you've left something behind. I'm sure everyone forgets stuff every now and then. I would advise that before going anywhere, even if you're just doing something as casual as leaving the bus, always do a 360° and look around your surroundings and review where you were before leaving

4. speaking in monotone, it can make people seem "boring" when one's speech is devoid of emotion. so whatever possible, always try to add a little more energy into the way you're speaking, like sing-song, or raising tone up instead of down at the end of the sentence, or smiling when you're talking (you know that saying, you can tell when someone on the other end of a phone call is smiling). there's a really good TED video called "how to talk so people will listen", I recommend that, and generally any of their popular videos

5. at any possible opportunity, share something positive to talk about like a funny experience or something cool/interesting to you or that you're passionate about, rather than a negative one. sharing your frustrations with the world works best when it's a shared pain because then you can connect with others (if you remember the ending of the film Inside Out). 

6. don't feel you have to fill silence with conversation, although conversely, randomly bringing up topics if the energy is high is a great way to connect and enjoy discussing things you're passionate about 

Counter-arguments against transphobic statements

 In response to replies about Marks & Spencers setting up unisex changing rooms.

"Sex is binary. There are only men and women. You can't change someone's sex."

That's not what trans people are asking for

Nobody is saying you can change your sex. I mean, technically we are all female when we are conceived, and then the XY chromosome triggers testosterone, but apart from that, sex is probably immutable... in humans. It's not binary either, because you have intersex people and many other factors.

However, changing sex isn't what trans people are asking for.

Trans people experience gender dysphoria

What they are asking for is to help them feel comfortable in the gender that the gender dysphoria they experience tells them they are.

Studies show that trans people typically appear to have a brain that matches the pattern of the gender they identify as. So it's not just in their mind, there is a physical difference between the brains of men and women, and trans people seem to have the opposite brain.

Nearly half of all trans people have attempted suicide, and this is because of the discrimination they receive. The hatred they endure on a daily basis makes them physically ill too.

And some just can't handle it, which is a huge shame, that people aren't being accepted by a society just because it's how they were born - some even submit to performing surgery on themselves because of how disassociated they feel in their bodies and the sex people say they are.

Being trans is not a choice

But even if there was no evidence we found to physically prove someone was trans or has gender dysphoria, why should we not believe someone? We don't currently know what makes someone gay, lesbian, or bi. And we respect other people who didn't choose how they were born either, like if you have a disability, or their race. Then there are some things we protect that we don't have control over like age, religion or belief. Same goes for what someone says their favourite colour or flavour ice cream is. Then there's stuff that is protected out of respect, like marriage or civil partnership, and pregnancy and maternity. 

So because trans people don't choose to be trans, they've been observed for thousands of years, in other species too, and they tend to have a poorer quality of life, and basically out of sheer respect that we have for each other (and it's really not a lot to ask to basically trust someone when they share how they identify), it seems completely fair to prioritise gender over sex in basically all social situations. Do we need to know what's in their underwear?

"Too many men violate women"

The slippery slope fallacy

So I'd like to point out a likely slippery slope fallacy in your argument - that there are "too many" men violating women. I agree with you, there are way too many attacks on women - however, firstly, the majority of attacks on women are not in safe spaces. The top places to be attacked are in the home (domestic), parking lots, and generally outside e.g. parks, on the street. All of these places are gender neutral. The number of attacks in changing rooms is very rare. And the number of attacks by trans women on cis women is even rarer.

The overwhelming vast majority of trans women don't attack cis women. If anything, trans people are actually more scared of cis people than you are of them, because they terrified of being judged and rejected by society.

But if we take your logic, shouldn't we ALL men from from spaces women use? No, because it would be a slippery slope to assume that every man will attack a woman - because attacks on women overall is about 25%, which is the minority. So overall, most men are trustworthy, and it would be disproportionate to ban men from basically all public spaces. We don't have statistics for how many trans people there are, as so many of them feel do not feel comfortable to out themselves, because of how unaccepting we make them feel, but statistically the fraudulent ones are an an extreme minority of them.

I'm not saying that fraudulent trans women don't exist. However, to judge all your views on trans people based on a really small subset of them, and then pair them with the bigger problem, cis men, is not a fair conclusion to make. In the same way we don't assume that every Muslim person is a terrorist, or that every person wearing a hat is a pedophile. To do so is to stereotype, jump to false conclusions, and underrepresents the vast majority of law-abiding, good-willed citizens who aren't like that

So therefore, for the overall number of trans people exist that are law-abiding and good-willed, we shouldn't let the fraction of them ruin it for the others. 

Conclusion

Trans people just want to feel accepted for who they are, more than anything, and I'd argue that it's ethically and morally wrong to not trust what trans people say. In nearly all cases, having trans women in women's spaces, which is one of the far few places that women are attacked, should not be a major concern, and is actually a distraction from the far larger problem of domestic abuse.

Useful websites (via TikTok)

• MyBib - Citation generator
• Sci Hub - Get free access to paywalled papers

How is JK Rowling's blog on sex and gender transphobic?

 In June 2020 JK Rowling wrote this: J.K. Rowling Writes about Her Reasons for Speaking out on Sex and Gender Issues

So what's wrong with it?

1. Her main point is that because she was abused once by a man in a toilet, no men can be trusted. She's actually following the slippery slope fallacy: not all men are abusers, and a very low number of people are trans - Stonewall
1. Slippery slope fallacy explained: TED-Ed
2. It's far less likely than trans women (also better called women) will attack women than men, even though Jo repeatedly points out about trans women using changing rooms and toilets.
1. Trans people are "so much more scared of you than you are of us" - TED
3. She basically ignores the concerns of trans people
1. In the whole reported LGBT+ community, trans people suffer the most and commit suicide the most compared to any other group - National LGBT Survey 2018 
2. Trans people also attacked just for being themselves, in public, in the workplace, at home - literally everywhere. And it's getting worse - Transgender Equality
3. Gender dysphoria is the reason trans people exist - it is a known and proven medical condition where the mind's version of things (gender) and the body (sex) don't line up (NHS). Trans people's thoughts stem from mild unsatisfaction to committing suicide over it. Some have even performed surgery on themselves over how desperate they are for their body to match their gender. Imagine that - being so disgusted or out of touch with your own body that you self-harm. Trans people are constantly reminded about how ingrained gender is in society - pronouns, toilets, clothing, and filling out forms are all triggers that make trans people think of who they aren't. (YouTube) (TEDx)
4. Science shows that brain structure difference aligns with the gender people perceive themselves to be (PMC)
5. Being trans is not a choice, and therefore, trans people deserve equity and the chance to live their lives as their authentic selves - everyone deserves the right to be authentic about who they are. Even if that means people putting someone's preferred gender and pronouns first over their biological sex.
1. Even if being trans was a choice, it still doesn't matter.
6. There are other people in the LGBT+ community who aren't trans but also don't identify as a specific gender - they don't "feel" male or female. The most common gender instead is "non-binary".
7. Trans people are not trying to erase sex or gender, or bring about the "erosion of women’s and girl’s rights" they ultimately just want to be accepted for who they are. Trans people want to feel included, and there is no harm in including trans people to society or language. Including trans women in women only strengthens women, it doesn't deteriorate it. - ACLU
8. Misgendering people is a form of violence as it causes physical pain - Healthline
9. The best way to be inclusive of trans people is not to question them, but to listen, and accept them for who they are. Rather than be gender critical or trans exclusive, what trans people need right now is support. (Me)
4. She supports the views of others who are transphobic
1. She quotes Maya Forstater who is gender critical - BBC. I personally disagree with the court's decision on protecting beliefs.
2. She followed Magdalen Berns, another gender critical person, who thinks that being trans is a fetish, rather than what it actually is, which is a medical condition - YouTube
3. Related transphobes:
1. Germaine Greer
2. Graham Linehan
3. Julie Bindel (Guardian)
4. Lisa Littman
5. She says she's "followed the discourse", but she's only ever discussed her side of the issue, especially when it comes to her retweets
6. She debates the term TERF even though it's established that it's about trans exclusion and therefore about her
7. She continues to make transphobic comments and brings up irrelevant points:
1. "a lot of people in positions of power really need to grow a pair"
2. When she says her "five reasons" that justify her reasoning to be an expert on trans issues:
1. her first point (she owns a charity) is just her explaining how charitable she is to women's causes, but mentions nothing about trans people
2. her second point (she was previously a teacher) is just pointing out how charitable she is
3. her third point (she's a writer) is her just stating she's a good author, which is debatable (Me)
4. her fourth point is saying she's worried about transitioning and transitioning back
1. why is it her concern what people do with their bodies?
2. She's also generalising problems based on a small number of cases, and doesn't provide evidence to back up her claims. The only evidence she's cherry-picked is basically that girls are effectively being peer pressured to transition because of the pressures women have against privileged men, and this is obviously a generalisation and not the rule, and does not mean that discrimination of women leads to transitioning.
3. She is right about "a person’s gender identity is innate, like sexual orientation", which it is.
4. She then generalises again, saying "The argument of many current trans activists is that if you don’t let a gender dysphoric teenager transition, they will kill themselves." This is a false generalisation - as stated in the National LGBT Survey 2018, trans people have a lower satisfaction, and yes, they do commit suicide as stated, but that does not mean all of them do, and trans activists don't mean that either.
5. She then proceeds to conflate gender dysphoria with other mental conditions such as "anxiety, dissociation, eating disorders, self-harm and self-hatred" and jokes that she might be trans for the next 3 paragraphs.
6. Her next point is about desistance: "between 60-90% of gender dysphoric teens will grow out of their dysphoria". She doesn't take into account that the studies have been discredited or that if being transgender "persists during puberty and into adolescence, it is very likely permanent" (Wikipedia) (KQED). She hasn't taken the full picture into account.
7. She goes on to claim that she has "met some trans people", she picks out a single example with anecdotal evidence, which is a logical fallacy.
8. She then goes on to argue in favour of "rigorous process of evaluation, psychotherapy and staged transformation" just so that "A man ... may now ... be woman in the sight of the law". How exactly does this affect her personally?
9. She argues about the importance of biological sex - see below
10. She thinks that language such as ‘menstruators’ and ‘people with vulvas’ are dehumanising and demeaning, when really, they allow for precision. In the same way that I can call a sweet red salad ingredient a tomato instead of just calling it a fruit. She specifically says "for those of us who’ve had degrading slurs spat at us by violent men", as if abusive men alone are responsible for how terms are used. It's scapegoating of trans people. It's like saying you're not going to do anything to stop climate change becase a penguin in a zoo once looked at you funny.
5. her fifth point
1. she gives her personal experience and anecdote, however she disproportionately thinks trans women ("any and all men") are the problem, even though there isn't anything to stop an attacker of any gender entering a toilet, and this was one negative experience. It would be safer to provide gender-neutral self-contained toilets, or just combined gender-neutral toilets, so that there is a greater chance of someone being present to witness.
2. she goes on for the next three paragraphs to raise that she has "solidarity and kinship" for trans women specifically, but states that's only if a trans person is being attacked or abused. Why can't she show that solidarity with a trans person just trying to be themselves in any normal situation, when they already feel uncomfortable, in some cases will even avoid going to the toilets because of rejection? It all points to Jo just not educating herself on the daily life of trans people and the issues they face.
3. She then goes on to conflate sexists with trans activists as being generalised discriminators of women (at: "We’re living through the most misogynistic period...")
8. She basically supports "importance of biological sex" over gender, but as discussed, when it comes to trans and non-binary people, their sex is not more important over their gender. Why is it important to put sex over gender?
1. Medical reasons - I think that's a completely valid reason, but does it have to be public? No
2. Confusion over whether you should be attracted or not - Why should the sex interests of others decide whether trans people can use non-binary pronouns, toilets? How does it even affect you, personally? Does it make you uncomfortable of your own gender? Does it lessen your own gender in any way? No, it doesn't. Trans people are not out to "confuse" you or "trick" you into being attracted to them, trans people just want to be treated like normal people. And if you are attracted to them, you have to ask yourself, what is your sexuality? There's nothing wrong with being attracted to trans people, even if they haven't had surgery. Not all attraction is sexual either, there is also romantic and platonic attraction which is separate to sexual attraction and they don't have to overlap.
3. There is a lot of toxic masculinity in the world. Straight white men are those most privileged group of people, and women are disproportionately abused by men including domestic violence, lower pay, treated with less respect, and not given the same opportunities. Straight men are stereotypically aggressive compared to other groups, and some people don't want to associate themselves with masculinity. Note that we have many biases around sex and gender as well. - TED
1. However, this should not be falsely appropriated to trans people as a scapegoat for a wider problem.
4. When it comes to boys and girls, in the example of toys, there are plenty of gender-neutral toys so it's not accurate to say that boys and girls prefer gendered toys outright. (Me)
5. One day, we should be able to reach a point where labels are not needed at all, where everyone is accepted equally regardless of their sexuality or gender and considered normal in everyone's eyes universally. Until then, labels are necessary to support others. (Me)
6. We may have an instinct to determine someone's sex when we meet them, and we may be programmed to put everything into neat little boxes, but we have to learn to look past that. Ask yourself: Why does it matter to you what someone's sex is? - TEDx
9. She goes on to talk about trans activism on social media, but does so in a highly condescending way: "because of course trans rights are human rights and of course trans lives matter – scoop up the woke cookies and bask in a virtue-signalling afterglow"
1. She says trans activists are "offering cover to predators", which again is a slipperly slope, as not all trans people are predators, and if predators really want to enter a toilet, regardless of their gender or sex, there is no force field to stop them.
2. She goes on to suggest anyone that doesn't support her have never been abused, which again is gross assumption, oversimplification, and slipperly slope.
10. There is more than one sex, and more than one gender
1. Sex determination is a spectrum - Scientific American
2. Our language and mindset already supports non-binary. We already use "they" and "them" when we don't know someone's gender, like a placeholder, and so they are the most inclusive terms - Tom Scott (and also me)
11. She offers no other alternative solutions to the problem, instead basically coming to the conclusion that trans people don't deserve the right to identify as the gender they say they are at all, including but not limited to gender affirming certificates that support a birth certificate, using toilets that match their gender, or using pronouns
12. She is not an expert on trans matters, but effectively acts as if she knows everything, and that imbues her with power in her words because of how famous she is. She doesn't quote or refer to a single trans-inclusive entity in this blog or any of her tweets, instead coming up with everything on her own terms and understanding. She cherry-picks only views that support her own. If you want to understand trans people, you need to give trans people the platform and hear what they have to say.
13. JK Rowling has so much influence, but uses it poorly. When she could be spreading messages of love, respect, kindness and compassion through inclusivity, or donating to charities, or doing literally anything else, or just saying nothing at all instead of spreading hatred, she seeks to discredit trans people and their identities and continues to do so to this day to prove her point. 
14. She is relentless and is refusing to listen to the voice of reason, and has created an echo chamber where she is ignoring the voices of trans-inclusive supporters.
15. Her other tweets
1. With my reply  - https://twitter.com/rjc_uk/status/1470410076104101901 
2. Trans people have had to block hundreds of thousands of people for the abuse they receive on Twitter https://twitter.com/BernieTranders/status/1578105998996144128 

Controversial topics explained

 Topics I will be covering in upcoming blogs, keen to hear more suggestions.

1. How is JK Rowling's blog on sex and gender transphobic?
2. Can there be a female or a black James Bond?
3. Topics that Kurzgesagt have already covered well:
1. Coronavirus
2. Vaccines
3. Brexit
4. Universal Basic Income
5. Meat
6. Drugs
7. Climate change
8. Nuclear energy
9. GMO
4. Elon Musk
5. Black Lives Matter: questioning black people even when it might seem innocent
6. Explanation of terms like Black Lives Matter and Trans Lives Matter
7. Christianity/religion

There are also some proposals to discuss:

1. Importance of education: What's wrong with it, what should it look like, and what will the benefits be?
2. How would non-partisan politics work and still be democratic?

Android settings for performance, security and privacy

1.  Network & internet
1. Internet
1. SIM card
1. Roaming - Off (unless your contract is covered for roaming)
2. Data warning & limit - set to cap at your contract
3. Allow 2G - Off
2. Network preferences
1. Turn on Wi-Fi automatically - Off
2. Notify for public networks - Off
2. Airplane mode - On (when you have Wi-Fi Calling enabled. Texts and calls will still come through.)
3. Hotspot & tethering - Off
4. Data Saver - On
5. VPN - Off (when using whole-LAN VPN or a VPN app instead)
6. Private DNS - Automatic, unless you have a preference
7. Adaptive connectivity - Off
2. Connected devices
1. Connection preferences
1. Bluetooth - Off when not in use
2. NFC - Off when not in use
3. Nearby Share - Off
3. Apps
1. All apps
1. For each app, change the settings for:
1. Notifications - Off
2. Mobile data & Wi-Fi
1. Background data - Off (except for messaging apps)
2. Unrestricted data usage - Off (except for messaging apps)
3. Battery - Restricted (Optimized for messaging apps only)
4. Remove permissions and free up space - On
5. Install unknown apps - Not allowed
4. Notifications
1. Bubbles - Off
2. Notifications on lock screen - Don't show any notifications
3. Do Not Disturb
1. Schedules
1. Sleeping - On (12PM - 7AM)
4. Wireless emergency alerts - Allow alerts (all enabled)
5. Enhanced notifications - On
5. Battery
1. Battery Saver - On
2. Adaptive preferences - Adaptive Battery - On
3. Battery percentage - On
6. Sound & vibration
1. Set to vibration only
2. Vibration & haptics
1. Vibrate for calls - Always vibrate
2. Ring vibration - On
3. Notification vibration - Off
3. Dial pad tones - Off
4. Screen locking sound - Off
5. Charging sounds and vibration - Off
6. Touch sounds - Off
7. Touch feedback - Off
7. Display
1. Adaptive brightness - On
2. Lock screen
1. Privacy - Show sensitive content only when unlocked
2. Show wallet - Off (if unused)
3. Show device controls - Off
4. Now playing - Off
5. Always show time and info - Off
6. Tap to check phone - Off
7. Lift to check phone - Off
8. Wake screen for notifications - Off
3. Screen timeout - 5 minutes
4. Dark theme - On
1. Schedule - Turns on from sunset to sunrise
5. Night Light - On (10PM - 7AM)
6. Auto-rotate screen - Off
7. Smooth display - Off
8. Increase touch sensitivity - Off (Unless using a screen protector)
9. Screen saver - Off
8. Accessibility
1. Extra dim - On
2. Text and display - Remove animations - On
9. Security
1. Screen lock - Password
2. Device admin apps - No active apps (Unless required by antivirus etc)
3. SIM card lock settings - Lock SIM card - Off
4. App pinning - On (Familiarise with using when letting someone borrow your phone)
10. Privacy
1. Show passwords - Off
2. Notifications on lock screen - Don't show notifications at all
3. Autofill with Google - Off (Use a password manager app instead such as KeePass)
4. Ads - Opt out of Ads Personalization - On
5. Usage & diagnostics - Off
11. Location - Off (only use when needed)
1. Location services
1. Wi-Fi scanning - Off
2. Bluetooth scanning - Off
12. Safety & emergency
1. Emergency information - Fill out
2. Emergency SOS - On (Familiarise with usage)
3. Emergency Location Service - On
13. Passwords & accounts - Don't use Google
14. System
1. Gestures
1. Quickly open camera - On
2. System navigation - 3-button navigation
3. Press and hold power button - Hold for Assistant - Off
2. Backup - Back up to Google Drive - On (if you trust Google and make backups of your Google account, Off if you have a different backup solution)
15. About
1. Take a screenshot of your IMEI

Antivirus / Internet security products reviewed

 I've done technical tests of AV products in previous blogs, but this one is of my personal experience.

1. Norton - generally slow
2. BitDefender - good, but monumentally performance degrading, and features don't always work as advertised
3. Avast - has always caused BSODs because of the network filter driver
4. AVG - loaded with advertisements - do not recommend
5. ESET - very lightweight load wet performant. High granular control esp over the firewall which does not interfere. Brower sandbox.
6. McAfee - bloated, fragmented, slowly updated, archaic
7. Kaspersky - one of the best, but no longer trusted by UK or US governments, and dropped by Barclays
8. Webroot - all scanning is done online similar to how VirusTotal operates - so useless if there is no internet connection
9. F-Secure - not bad
10. Windows Defender - very basic
11. Malwarebytes - poor detection
12. Firewall products
1. Glasswire - blocks rather than leaves requests pending

Previous older reviews: https://rjcuk.blogspot.com/2009/08/security-software.html 

Not tried:

• Trend Micro
• Panda
• Avira
• Bulldog