> anybody who does banking on their phone is taking a big and unnecessary risk
It is not necessarily a matter of choice. Besides what the other commenter notes about 2FA, in some countries banks have been removing functionality from their online-banking website, and you can only do certain things in the phone app.
> in some countries banks have been removing functionality from their online-banking website, and you can only do certain things in the phone app.
The most infuriating I've seen, is a bank which removed the anual tax report (which you need to do the anual income tax) from the online-banking website, requiring you to use the phone app... to download a PDF file, which you then have to transfer to the computer anyway so you can print it!
See, the thing is, here you can't use banking on your computer without having a bespoke authentication app on your phone. There used to be a system of one-time codes sent via paper mail, but even that has been scrapped by now, so using bank ID apps is literally the only option across all of the local banks. In my bank the ID app and the bank app are even different apps, and it's the ID app that's the truly important one to have (and that, of course, hates rooted/modified phones with a passion).
The government services also go through these ID apps, although there is a poorly supported alternative that uses USB smart card readers. I have not seen a single person actually use it, probably for a reason, though I'm planning to get one just to have a backup...
I got a Voice Modem at some point toward the end of the 90's. I played around with it and wrote an answering machine for it in bash. It announced a synthesized welcome message with date and time, and gave options for control of some elements of my home automation via DTMF (after authenticating). It was clunky, but it worked well.
I came across it a few months ago while clearing out some old junk. I did not think twice about tossing it into the trash.
Coming from a family of alcoholics (half of my aunts and uncles, my father, and my sister), I have seen the social and physical damage that alcohol does. My father was a role model to me of what not to become. I do drink, but nothing stronger than wine, and not very often.
It may have been easy for the author to quit, but it's a different story for the people who are addicted. The ones who are trying to quit are at least aware that they've got a problem. Many never even make it that far.
So, you kind of hit the nail on the head with "if" and "purpose". So, this is not an ESG fund (per your link) and more about baked-in filtering/excluding certain parts of the investable universe (with additional criteria), for an SRI (Socially Responsible Investing) approach. At the end of the day, some people simply don't want to profit or invest in certain industries, regardless of the return differential. I would say that's really a personal call, not a financial mistake.
I did some phreaking as a kid (in the 1970's), but stopped when I turned 18. I learned a lot about phones in the process, and spent most of my career doing telecommunications engineering.
This article is from 2002 when it was probably still a lot cheaper to roll your own PBX than to buy one.
For the past seven years, I've been running FreePBX in a VM (in the same embedded, fanless server that hosts my OpenWRT router). I've got three full-featured VoIP desk phones with way more capability than the author's, and with a lot less effort.
I've told only a few people about my near death experience, and most of them were polite, but obviously didn't believe a word I was saying. To be honest, I wouldn't believe it either if I had not experienced it myself.
I did not "see" anything other than a bright light, but I was overcome with an incredible feeling that I was in the presence of, and communicating with somebody who was conveying a message of absolute love for, and total understanding of everything that I was. The feeling of euphoria is impossible to fully describe, because of the absoluteness of it.
I wanted to stay where I was. It was the best feeling I'd ever experienced, and I was content. Somehow, I was "shown" some bits of what I had to live for -- people I had not yet met, and amazing places and things that I had not yet seen or done. I don't really remember making a choice to return, but I woke up in a hospital with a broken back and other injuries. I later learned that I had been hit by a car while riding my bicycle, and was given CPR by a passing stranger.
It makes me uncomfortable to talk about this because it's all just so unbelievable, but there it is.
As the years have gone by, I've met the friends and family that I had in my visions, and I've also been to the places and done the things that I saw myself doing in the vision.
My whole perspective on life was changed by this event, and I have no fear of death whatsoever.
My memory is a bit hazy, but I thought what you are describing is very common with people who flatline and come back? I have vague memories that a new anesthetic drug was developed and used on soldiers undergoing surgery in the Vietnam war, and there was something about it that caused the same kind of reaction in those who were put under. Again, my memory is very hazy on the subject. I should go do some research and update this comment (and I just might).
EDIT
I did a little searching. I think it might have been an old report about Ketamine before it became more wide known. Apparently it was used during the Vietnam War.
Amazing recommendation! I was hooked by that most powerful New York Times Bestseller endorsement but in 1600s. "Many say: I wanted to learn, but only found madness. But those who seek wisdom will not find it elsewhere."
I was going to mention ketamine. Famous for this type of effect. I don't want to belittle the meaningful experience, but the mind is a really powerful organ and it's a safer bet to treat these experiences as arising from mind rather than beyond it. Shrug.
>>it's a safer bet to treat these experiences as arising from mind rather than beyond it
Your brain has to be alive and exist normally for it to have these experiences. So its quite obvious, nothing is coming from outside of it.
I do feel like its some kind of brain rebooting itself or something like that.
Its sad babies can't tell us if they experience the same during childbirth, but I have a guess that they experience something similar as well.
Its just that the brain is starting up and checking if there is a OxDEADBEEF or a fresh boot. And giving you the primal, brain not initialising any other interface(like eyes, ears, limbs etc). You experience what life would be if only brain existed on its own without everything else apart from it.
Lots to say there. The last few centuries have shown that many things which previously seemed inexplicable have been convincingly explained without resort to the supernatural. So a material basis of conscious experience seems a good bet.
Related, and hinted at by my original comment: the brain is capable of generating truly profound experiences. There is a tendency to ascribe them to something 'beyond ourselves' but again, advances in medicine and neuroscience have shown that these are explicable, subject to manipulation by chemical and electrical signals, which again suggests a material basis for conscious experience.
It's true that many things have yielded to science. And yet, what we discuss (the "hard problem of consciousness") hasn't. In my opinion, the burden is on you to prove that progress in other questions implies inevitable progress on an unrelated question that hasn't budged at all.
I said this in my other comment but, when you say the brain generates truly profound experiences, you beg the question (in the philosophical sense of the phrase). It's all in the word "experience." For in order for an experience to happen, some entity has to be experiencing. For there to be an illusion, there has to be an entity being deceived. And then how do you explain that entity? It can't be illusory experiences all the way down..
Any honest person has to see the connection between experience and the material brain. But I don't think it's honest to say it's obvious that experience is entirely material. The connection is deeply mysterious and may never be understood. I personally would rather accept that than claim that I don't really exist just so that everything can be explained.
The evidence is abundant and continues to chip away at the "hard problem". For example, we can through anesthesia turn on and off conscious experience. Through various drugs we can manipulate the character of conscious awareness, inducing ecstasy, visions, abiding serenity, terror, pain, grief... all states that were previously described as ineffable.
To say we haven't made progress on understanding consciousness is to move the post; we continue narrowing the 'hard problem' and eventually it seems like there will be nothing left other than a misunderstanding, something like the resolution of Xeno's paradox.
I don't mean to be insulting but, you don't seem to understand what the hard problem is. It is not "is the brain intimately linked with conscious experience?" I would agree we've made progress on that question. It is the harder question of "why is there conscious experience at all? Why does it feel the way it does?" I would argue no progress has been made on this whatsoever, and possibly can't be done.
You can try to claim that this question is meaningless, but that doesn't seem principled to me, not to mention that it completely ignores the fact that gestures broadly all this is happening.
In light of the fact that the entire universe is perceptible only through conscious awareness, the 'hard' question is equivalent to the question "why is there anything instead of nothing?" When asked this way, it's clearly not answerable. Everything short of that seems to have a material answer.
Edit: happy to chat more about this, as it's deeply interesting to me and I do want to understand your perspective. It may need a longer form than this thread allows. I've added a link to get in contact with me on my about page.
I'd be happy to talk more as I am passionate about this. I think the idea that there is no soul is actually extremely dehumanizing, and involves someone essentially saying "I don't really exist" (even if they redefine "I exist" to mean something more Materialist, it is, in my view, still saying that). I'll ping you on bluesky.
It matches what I briefly experienced when I felt ill staying alone in a hotel. (E. g. I understood that the events of the few recent days were sort of preparing me for that; I could ask questions.)
BTW there's a book "The night of fire" by Eric-Emmanuel Schmitt that describes a similar experience he got staying alone in a desert. And, of course, countless other descriptions, e.g. "The varieties of religious experience" by W. James. You cannot convince anyone, of course; but there's also no way to fake it.
> To be honest, I wouldn't believe it either if I had not experienced it myself.
If you anticipated that others would find this hard to believe, why not write down those visions in detail at the time? That would have provided evidence others could have used to later evaluate whether your visions were accurate.
As a skeptic, and without knowing more details, I am leaning towards self-fulfilling prophecy (you did the things in the visions because you had the visions) or confirmation bias (similar to how horoscopes feel accurate because they're vague enough to map many situations).
I was 15 years old at the time, and not much of a writer.
Most of my visions did not stay in my consciousness. Over the years, when I would meet somebody new or be in a place that I had seen, it would trigger the memory of the vision. You can attribute this to Déjà vu if you like, but in this case I knew exactly where/when I had seen the vision beforehand, and it sometimes triggered more memories of not-yet-happened events.
I'm old now, and I haven't had any experiences related to my visions for over a decade. I'm pretty sure that all of my visions have now been lived.
I don't know, this sounds like your subjective experience, I have no reason to disbelieve it. If you had said that your experience showed you the future, and X Y and Z were going to happen, then I might not believe that, but why wouldn't I believe you experienced what you say you did? Why would you lie?
This is HN so I'm not trying to evangelize you or anyone here, but what you described is 100% in line with Spiritism [1], a French-founded doctrine that's very popular both in France and Brazil [2]. I'm a believer.
While staying in a high-end D.C. area hotel, I once discovered a hidden hard-wired speaker under the bathroom sink. Somebody had written "F.B.I." on it with nail polish.
I already knew that speakers could be used as microphones, and it occurred to me that putting a speaker in a hotel room in the name of "safety" would be a great cover story for a surveillance operation.
There's also the game that they play where they spoof BGP announcements that cause routing changes for domestic traffic that makes it flow out and then back into the US, making it fair game for collection. Also, our Five Eyes partners aren't prohibited from collecting on US targets, and we all share.
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