Credit Card Fraud

September 23rd, 2013

Credit Card Fraud

That’s what’s on my mind today.

As in it has happened to me.

Actually, this is the second time this year (once in the U.S. and once here in France) and both had similar aspects which I should learn from. And you too, as well, after I share them with you.

credit-card-fraud

I found a 98 Euro charge I didn’t recognize on my HSBC card today. I called HSBC and they told me that there were several others that were declined and there were yet others there that been charged that hadn’t yet had time to make it to my account transactions listing on-line. Yow!

The card was cancelled ASAP and I’ll have to go through some hassles to get refunded; but I will in the end. After I go to the police station here in Paris and file a report, then I’m to send that into HSBC.

The bank folks tell me that this sort of thing can happen when you pay with you card and you let them carry the card off away from your sight to ring up the bill and bring you a receipt.

They are not charging you extra in the back room. They are writing down your C/C number *and* the three digit code on the back. Because, often, they can make purchases over the Internet with just these bits of information.

So, the moral of the story is never let them carry your card away. Have them bring the swipe machine to you or follow them to where it is. Watch that no one copies the three digit code on the back.

I’m a wiser man now.

-dennis

The most depressing Discovery about the Brain, Ever

September 18th, 2013

“It turns out that in the public realm, a lack of information isn’t the real problem.  The hurdle is how our minds work, no matter how smart we think we are.  We want to believe we’re rational, but reason turns out to be the ex post facto way we rationalize what our emotions already want to believe.”

– Makes sense to me.  So many decisions I see being made in our world seem so inexplicable.   As Paul Simon wrote in his song, “The Boxer”:

“A man hears what he wants to hear and disregards the rest.”

– dennis

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Educating monkeys

Say goodnight to the dream that education, journalism, scientific evidence, or reason can provide the tools that people need in order to make good decisions.

Yale law school professor Dan Kahan’s new research paper is called “Motivated Numeracy and Enlightened Self-Government,” but for me a better title is the headline on science writer Chris Mooney’s  piece about it in Grist:  “Science Confirms: Politics Wrecks Your Ability to Do Math.”

Kahan conducted some ingenious experiments about the impact of political passion on people’s ability to think clearly.  His conclusion, in Mooney’s words: partisanship “can even undermine our very basic reasoning skills…. [People] who are otherwise very good at math may totally flunk a problem that they would otherwise probably be able to solve, simply because giving the right answer goes against their political beliefs.”

In other words, say goodnight to the dream that education, journalism, scientific evidence, media literacy or reason can provide the tools and information that people need in order to make good decisions.  It turns out that in the public realm, a lack of information isn’t the real problem.  The hurdle is how our minds work, no matter how smart we think we are.  We want to believe we’re rational, but reason turns out to be the ex post facto way we rationalize what our emotions already want to believe.

For years my go-to source for downer studies of how our hard-wiring makes democracy hopeless has been  Brendan Nyhan, an assistant professor of government at Dartmouth.

Nyan and his collaborators have been running experiments trying to answer this terrifying question about American voters: Do facts matter?

The answer, basically,  is no.  When people are misinformed, giving them facts to correct those errors only makes them cling to their beliefs more tenaciously.

– More:
– Thanks to Gus H. for a correction to my Boxer quote.

A Jewel at the Heart of Quantum Physics

September 18th, 2013

Amplutihedron

– Highly interesting article making the rounds.   Could open up an entirely new Physics.   Space and time may no longer be prime-time players.

– dennis

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Beyond making calculations easier or possibly leading the way to quantum gravity, the discovery of the amplituhedron could cause an even more profound shift, Arkani-Hamed said. That is, giving up space and time as fundamental constituents of nature and figuring out how the Big Bang and cosmological evolution of the universe arose out of pure geometry.

“In a sense, we would see that change arises from the structure of the object,” he said. “But it’s not from the object changing. The object is basically timeless.”

– To the article:

 

Tiles, the NSA and your iPhone – it’s a changing world

September 16th, 2013

“The agency, according to the documents and interviews with industry officials, deployed custom-built, superfast computers to break codes, and began collaborating with technology companies in the United States and abroad to build entry points into their products. The documents do not identify which companies have participated.”  from ProPublica

– dennis

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As someone who thinks of himself as a futurist, I tend to keep my eyes peeled for patterns and connections which can, possibly, indicate something about our future.

There are two things going on now which I think are going to conjunct and increase the penetration into our personal lives of the nascent police states that most western democracies are steadily becoming.

The first thing

Is already visibly in motion.  That is the efforts of the American NSA to penetrate everyone and everything in the name of national security; as revealed by Edward Snowden’s documents.

It is now open knowledge that the NSA has broken most of the cryptology that we’ve depended on to keep our personal information safe from prying eyes.

This would include your computer passwords.

NSA

And any files you store in encrypted form.  And any files you send.  And any files you receive in encrypted form.

And, if they have access to your computer passwords, then they have full access to all your files and all your stored e-mail.

If they have all of that, then what do you have?

Bupkis – you don’t have much that’s yours, if they want it.

The criminal hackers of the world would be overjoyed to have that sort of access.   If they did, your computers would be full of malware, trojans and key loggers before you could blink.

I suppose we can just hope that the folks in the NSA that have access to this sort of power are using it exclusively for the public good.

The second thing

Has only just recently come into play.   These are the little devices called “Tilesthat you may have seen advertised.  They’ve been sold on-line now for a few months and the first deliveries are scheduled for winter 2013/2014.  I bought one recently for $18.95 USD out of curiosity.

Tile

Tiles help you find things.  They are about an inch square, made of white plastic, about 1/8 of an inch thick and they have a small hole on one corner so you can tie or attach them to things.  You can also stick them onto things with two-sided adhesive.

They have a non-replaceable battery in them that runs for about a year and they communicate back and forth via the Bluetooth short-range radio.   They come with an application program that runs on your iPhone and the program can help you find  one of your Tiles if you’ve lost it and whatever it is attached to like your keys, or your backpack or whatever.

If, for example, you’ve lost your keys, you fire up the Tile application program and ask it to locate the Tile attached to your keys.

If you are within about 50 to 150 feet or so of your keys (the range varies with terrain), the application program will show you on your iPhone where the Tile (and your keys) are … out in the garage.

Ah!  And then you remember that you laid them down on the work bench when your phone rang as you were getting the groceries out of your car.

One more thing about Tiles.  If you really lose something, like your motorcycle is missing through theft, and you were thoughtful enough to have had a Tile attached to it, you can contact the Tile people and they will put out an alert on that Tile.

Once a Tile has an alert on it, any iPhone in the world running the Tile application program that passes with 50 to 150 feet or so of your sought-after Tile, will silently send a message to the Tile people indicating that it ‘saw’ your Tile and provide the GPS location where it was.

The person carrying the iPhone running the Tile application program that located your Tile won’t even know any of this happened.

So, where ever folks are wandering around with the Tile application program on their iPhones, a quiet and constant search is being made all the time for lost Tiles (and whatever’s attached to them).

So, how does this link to the NSA and future developments?

Well, it goes like this.

The first thing to realize is that the NSA folks are certainly smarter than the average bear.  They could, and probably already have, made something very much like the Tile.  Something that’s a lot smaller, harder to detect, has better range, longer battery life and etc.  Let’s call these special NSA versions NSATiles.

The second thing to recognize is that the NSA already has the technology to break and enter into virtually any computer they want to; including our iPhones.

So, if they wish to, they can populate most of the world’s iPhones with a sweet little bit of hidden software that none of us would know about that does just what the Tile application program does; except for NSA’s purposes.

Mmm. Perhaps, I’m not thinking this through clearly?

Why should they need to insert new clandestine software into our iPhones from the outside?

The recent news from Edward Snowden has also revealed that the NSA has, under national security laws, forced some of the major software companies in the US to install ‘backdoors‘ into their software so the NSA can go in and look at what it wants to even while users of that software think their privacy is secure.   Moreover, the NSA has enjoined these companies to say nothing of this; again under the threat of national security laws.

So, why couldn’t the NSA have pressured Apple to add NSATile detection and reporting software?  They’ve done a lot of this sort of thing already.  And, Apple couldn’t warn us without breaking the law.

In short, there’s no reason why the NSA cannot use our millions iPhone devices to clandestinely scan the world for NSATiles that the NSA is interested in tracking.

And, when your iPhone sees such an NSATile, it will silently “phone home”  to the NSA and report it along with its GPS coordinates.  Nice, eh?

So, we will be an entire world of folks wandering around with iPhones doing the NSA’s bidding and looking for anyone or anything that the NSA wants to track geographically.  Terrorists, demonstrators, spies, packages, books, animals, us … you name it.

And all of us doing NSA’s bidding unknowingly.

Will this happen?

The real question, I think, given that capabilities described already exist, is why wouldn’t it be happening now?   After all, knowledge is power and this is government we’re talking here.

In a related development

There’s a parallel development involving very similar technology, see this article which I just encountered today by coincidence.

It is about something called iBeacon which is part of Apple’s newly released iOS 7 software.

This new iBeacon technology will be coming to a shopping center near you soon and it’s going to be talking to your iPhone as you walk by the stores.  It’s going to be trying to sell  you things.

Human irrationality

August 30th, 2013

I’ve cited three things that are illustrative of humanities irrationality:

1. Near vs far

2. Now vs. future

3. Concrete vs abstract

Humans irrationally favor near, now and concrete over far, then and abstract and because of this bias, they make bad decisions.

Now, add a fourth: Personal vs. Them as in me and mine and they and theirs.

But, the deep truth that shows the irrationality of all of these biases is the simple fact that everything in this world is ‘one’.

-dennis

Some very fun maps…

August 10th, 2013

Maps you just have to see:

– dennis

Paris notes: 5 August 2013

August 8th, 2013

I have to say that sometimes the news brings me down so badly.

I’ve been thinking about and advocating the idea that until humanity decides that its highest priority is to maximize the quality of life for all, we will inevitably fall victim to the default alternative which is that every individual’s highest priority is to look out for themselves.

And, by themselves, I mean both individual people and corporations.

Today, I read the August 5th copy of the International Herald Tribune and there was this:

In need of a new hip, but priced out of the U.S.” – A man went to Belgium and had his hip replaced for $13,600 USD. You’ll have to read the article to see how much it would have cost him in the U.S., and why.

I warn you, it’s going to be all about profits over the welfare of people.

And then this:

Nuclear scandal snowballs in S. Korea” – A story about how many of the tests and inspections that were intended to ensure the safety of S. Korean nuclear plants has been discovered to have been faked by the testing companies and the nuclear plant designers.

I warn you, it’s going to be all about profits over the welfare of people.

And then this:

As cost of importing food soars, Jamaica turns to the earth” – a little story about how the Jamaican government is now strongly advising people to begin to grow their own food.

I wonder if any of you saw the documentary entitled, ‘Life and Debt’ 10 or 15 years ago? It was about Jamaica, Mon.

It was about the arrival of “Globalization’ and how the low price of imported grain had driven most of the small farmers off their land and into the cities since they could not complete with the price of the grain being dumped into their market.

But, at the time it was explained, ‘Globalization’ was all for the good of all of us long-term.

Now that the Jamaicans don’t grow much food, it’s the time to hike the prices and squeeze them. And so the circle turns.

I warn you, it’s going to be all about profits over the welfare of people.

And that was just one issue of the paper on an apparently normal day.

And then when I tell people that the corporations, looking out for their own best interests, are steadily taking over governments and their regulatory processes – and I see that they think I’m peddling conspiracy theories to them, I’m stunned.

It’s as if I’m watching a line of cows entering the slaughter house and I’m warning them about where they’re going and they all laugh; sure that they are off to a Caribbean vacation.

I haven’t posted much here for awhile since I’ve been traveling.  But, not much need.   Nothing’s changed.

dennis

Traveling in the USA -new mobile number here is 1-509-491-8769

June 11th, 2013

I passed out an earlier one privately by email but it turned out to be BOGUS (it was 509-460-1557 and it is bad so toss it!).

This new number is good until July 1st when Colette and I depart for France.

dennis

For Insurers, No Doubts on Climate Change

June 7th, 2013

If there were one American industry that would be particularly worried about climate change it would have to be insurance, right?

From Hurricane Sandy’s devastating blow to the Northeast to the protracted drought that hit the Midwest Corn Belt, natural catastrophes across the United States pounded insurers last year, generating$35 billion in privately insured property losses, $11 billion more than the average over the last decade.

And the industry expects the situation will get worse. “Numerous studies assume a rise in summer drought periods in North America in the future and an increasing probability of severe cyclones relatively far north along the U.S. East Coast in the long term,” said Peter Höppe, who heads Geo Risks Research at the reinsurance giant Munich Re. “The rise in sea level caused by climate change will further increase the risk of storm surge.” Most insurers, including the reinsurance companies that bear much of the ultimate risk in the industry, have little time for the arguments heard in some right-wing circles that climate change isn’t happening, and are quite comfortable with the scientific consensus that burning fossil fuels is the main culprit of global warming.

“Insurance is heavily dependent on scientific thought,” Frank Nutter, president of the Reinsurance Association of America, told me last week. “It is not as amenable to politicized scientific thought.”

– More…

World Bank Insider Blows Whistle on Corruption, Federal Reserve

May 29th, 2013

Nothing to see here ... move along

– I don’t think this is new information.  Just a confirmation of what many of us have suspected for some time.  

– But, the gathering awareness doesn’t seem to be enough to change things.  

– We are all too apathetic and ‘they’ have got far too much control at this point for anything short of a revolution or a major breakdown of the world’s structures to shake them loose (visualize blood-sucking ticks, and you’ll have it).

– dennis

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A former insider at the World Bank, ex-Senior Counsel Karen Hudes, says the global financial system is dominated by a small group of corrupt, power-hungry figures centered around the privately owned U.S. Federal Reserve. The network has seized control of the media to cover up its crimes, too, she explained. In an interview withThe New American, Hudes said that when she tried to blow the whistle on multiple problems at the World Bank, she was fired for her efforts. Now, along with a network of fellow whistleblowers, Hudes is determined to expose and end the corruption. And she is confident of success.

Citing an explosive 2011 Swiss study published in the PLOS ONE journal on the “network of global corporate control,” Hudes pointed out that a small group of entities — mostly financial institutions and especially central banks — exert a massive amount of influence over the international economy from behind the scenes. “What is really going on is that the world’s resources are being dominated by this group,” she explained, adding that the “corrupt power grabbers” have managed to dominate the media as well. “They’re being allowed to do it.”

According to the peer-reviewed paper, which presented the first global investigation of ownership architecture in the international economy, transnational corporations form a “giant bow-tie structure.” A large portion of control, meanwhile, “flows to a small tightly-knit core of financial institutions.” The researchers described the core as an “economic ‘super-entity’” that raises important issues for policymakers and researchers. Of course, the implications are enormous for citizens as well.

Hudes, an attorney who spent some two decades working in the World Bank’s legal department, has observed the machinations of the network up close. “I realized we were now dealing with something known as state capture, which is where the institutions of government are co-opted by the group that’s corrupt,” she told The New American in a phone interview. “The pillars of the U.S. government — some of them — are dysfunctional because of state capture; this is a big story, this is a big cover up.”

At the heart of the network, Hudes said, are 147 financial institutions and central banks — especially the Federal Reserve, which was created by Congress but is owned by essentially a cartel of private banks. “This is a story about how the international financial system was secretly gamed, mostly by central banks — they’re the ones we are talking about,” she explained. “The central bankers have been gaming the system. I would say that this is a power grab.”

– More…

– research thanks to Carol S.