29,000 Sex Offenders on Myspace Get the Boot

For those who were wondering, there were almost 30,000 sex offenders on MySpace who were computer literate enough to use the service, but dumb enough to use their real names. How many are still there using fake names I wonder. Tags: , , , ,

Harry Potter Leaker May Be Found Due to Hidden Data in His Images

Here's a warning to you all: companies hide tracking information in your media and if you don't know about it and do something about it, you may get some pretty nasty results. Now, in this case, it's a good thing because there's no justification for leaking Harry Potter BEFORE it's public release. That just hurts the writer and others involved. But if this wasn't immoral activity but protected free speech, be warned that you could get nailed in very subtle and sophisticated ways if you don't pay attention to product tracking. For example: tracking dots in printers. Tags: ,

Hunting Down a Virus Writer – Fun For Everyone!

This guy took personal offense to a virus writer who's stupid prank messed up the computer of one of his friends. So he decided to hunt the virus writer down using only information he was able to find on the Internet with Google. He goes through where he looked, what he found, and what it meant. Important lesson: This is how easy it is to profile you online. JTAG ERROR: No slashdot_ht index defined Tags: , , ,

Your Printer Spies on You

I just want to remind everyone about this so here’s a list of printers that print yellow “Tracking dots” on everything you print. The dots can be used to trace a print directly back to your printer in case of a crime or if something you printed is anywhere near a crime thus possibly involving you. Tags: ,

Banks Make More on Overdraft Fees than Loans

Consumeraffairs has been watching the banking industry with increasing shame. Banks realize how easy it is to "encourage" customers to make banking mistakes that end up in costly fees:
Common banking practices, such as clearing high-dollar debits before subtracting smaller debit amounts, holding deposits longer than necessary, and failing to decline overdrafts or warn customers at the checkout or ATM if they have insufficient funds, increase the number of overdrafts suffered by consumers
Note that these are concious, purposeful acts designed to bring more debt to the consumer. Let me explain one of the scenarios above: You make the following purchases during the day: Your account balance: $70 (It's almost payday, you're running low)
  • Sandwich: $5
  • Starbucks Coffee: $10
  • Socks, Flowers, and a DVD movie (you're at Walmart… One stop shopping): $35
  • Eggs and Milk: $5
  • Little do you realize, your wife has decided to go ahead an fill up the SUV for the weekend trip.
  • Gas: $65
  • Now, assuming that the bank takes care of all transactions at the end of the day, what's the most advantagous way for them to do this? Easy! Apply all debits in order of size. Watch what happens:
    Your balance: $70 -$65 (Gas) Your balance: $5 -$35 (Walmart) Your balance: -$30 (plus $20 overdraft) Your balance: -$50 -$10 (Starbucks) Your balance: -$60 (plus $20 overdraft) Your balance: -$80 -$5 (Grocery store) Your balance: -$85 (plus $20 overdraft) Your balance: -$105 -$5 (Sandwich shop) Your balance: -$110 (plus $20 overdraft) Your balance: -$130
    And to add insult to injury, maybe you got paid that day and deposited the money, but the bank held the deposit until the next day for no reason that you can think of (also part of their bag of tricks). So in this case, the bank's artificial policy of applying drafts in size order has hurt you plenty. If you complain (if) then there's a chance they'll reverse one charge as a matter of customer service. That still leaves you with a $60 debt to the bank. Compare it with this scenario where it was done in the order the drafts occured:
    Your balance: $70 -$5 (Sandwich shop) Your balance: $65 -$10 (Starbucks) Your balance: $55 -$35 (Walmart) Your balance: $30 -$5 (Grocery store) Your balance: $25 -$65 (Gas) Your balance: -$40 (plus $20 overdraft) Your balance: -$60
    Think I'm full of it? Check out this eerily appropriate Consumerist article posted today about a guy who's overdraft woes cost him $134 for a granola bar.
    In this case you have one overdraft fee due to a simple mistake. Chances are the bank will credit it and you and your wife can make sure you don't make the same mistake twice when the balance is low. Life is happy and birds sing… Anyway, you see how banks, who know a whole lot more about money management than you, can make very little and innocent csounding policy changes that will screw you royally. Let's hope that the bill that Consumeraffairs mentions in the article passes to end this kind of crap. Lastly, a freebie for you. If you are the kind of person who frequently finds themselves paying overdraft fees, try this trick I learned in my more "cash desperate" days:
    Have two accounts: your main and a second. When you know you're short for the month and need a few hundred dollars to prevent the main account from going under, "borrow" against your other account instead of going to the Payday Loan scum. Go to an ATM and withdraw $300 (or whatever your overdraft amount on the other account allows). You'll get a one-time fee (usually $18-$25). Use that to keep your main account current. When you get paid, put money back in the other account to keep it at about $0. This is way cheaper than paying a bunch of over-draft fees or using a payday lender. Just make sure your bank doesn't charge any monthly fees or "inactivity" fees on the second account.

    Update

    More on the topic from Consumerist.com.
    Chairwoman Carolyn Maloney (D-NY) of the House Subcommittee on Financial Institutions and Consumer Credit is holding a hearing today on unfair bank overdraft fees and their impact on consumers
    There's really a lot of news about this today, wow.
    Tags: , ,

    Windows Vista Proven to be Spyware

    Spyware: Any software that covertly gathers user information through the user's Internet connection without his or her knowledge, usually for advertising purposes. Spyware applications are typically bundled as a hidden component of freeware or shareware programs that can be downloaded from the Internet. Once installed, the spyware monitors user activity on the Internet and transmits that information in the background to someone else.
    Because of the End User License Agreement of Vista, Microsoft arguably has the legal right to collect a large amount of data on you and report it back to their home servers. Some will say that they're not hidden, but is being buried in a giant EULA that most people don't have the expertise to understand really the same as full disclosure?
    Microsoft says that users have the possibility to disable or not use the features and services altogether. But at the same time Windows update is crucial to the security of Windows Vista, so turning it off is not really an option, is it?
    Not only that, but you have to know this a problem and then perform the immense amount of work required to identify all the various services and features that spy on you and disable them properly. By the time you're done, you won't really be using much of the software that came with Vista in the first place. JTAG ERROR: No slashdot_ht index defined Tags: , ,

    Gap Selling Bikinis to 3 Year Olds

    I thought that retailers were done making sex objects out of children after that last fiasco, but apparently, I was wrong. Though the article states that the sizes are for 18 month olds and up, the actual size chart only goes down to roughly 3 year old size (according to a pediatric growth chart I found). That aside, there’s several problems with this. First: what kind of stupid sleazy retailer values money so much that they would make suggestive articles like bikinis for kids? Second: what parent in their right mind would buy this stuff? And you wonder why I’m a proponet of industry regulation… Tags: , ,

    RFID Worst Case Scenario Has Arrived

    RFID
    (Image used under: Creative Commons 2.0 [SRC])

    The people over at CASPIAN have warned about how companies are trying hard to get RFID tags into all their products without people knowing. Well, now they will. The anti-theft tags that nearly every product currently has will be combined with RFID technology so that nearly every item you walk out of the store with will also transmit a unique identifying number to any reader nearby. Theives, marketers and big brother are salivating.

    You don't believe that companies are desperately interested in what you do every waking moment? Then you haven't been paying attention.

    Tags: , , , , , ,

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    Manufacturer Warranties

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