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The sheer volume of AI-generated content has fundamentally changed how social platforms operate. Because AI models can instantly synthesize and repackage existing information, the baseline for "average" content has skyrocketed. However, this flood of synthetic text has also led to a sea of homogeneous, predictable posts.
It can be extremely hard to tell the difference.
The E*TRADE (part of Morgan Stanley) new account intake process was straightforward if a bit tedious, demanding not only personal information, including phone numbers, but also the uploading of a picture holding a government ID through DocuSign.
An intake process like this should normally complete within 24-48 hours, but it was 5 days before receiving a confirmation email that the account was open and accessible with the Account ID and Password. In the meantime, the webpage and chat always showed red alerts that they were having "technical issues" and to "try again later" (which was anything but reassuring).

But logging in did not bring satisfaction. After being asked for more information that should have been captured at account creation, an attempt to enable 2FA (two-factor authentication) for improved security resulted in a demand for a phone number, despite the fact it had been provided during account creation. Adding insult to injury, the system then rejected that phone number, locking the account, preventing access to any money.
E*TRADE (Morgan Stanley) was apparently adding mobile carrier verification despite having previously accepted both phone numbers and government ID. In addition to being a classic chicken-and-egg problem, mobile carrier verification is not a good way to verify security, because it is so easily hacked or spoofed. In effect they were downgrading password security by asking for a phone number after password login. Bad actors that have the password are already in.
What should have happened during new account intake, in addition to capturing all necessary information, is setting up secure 2FA using a TOTP authenticator app (by Google, Microsoft or others), completely solving authentication. Instead, this kind of 'security' nonsense is comparable to the security lapses in so-called Wired Equivalent Privacy, which turned out to be hackable in minutes.
You should never entrust money to an online system with such serious issues.
Most people adopt Apple Pay or Google Pay mobile payment because tapping a phone or smartwatch at checkout is faster and easier than fumbling through a wallet for a payment (credit or debit) card. While that convenience is great, it’s actually not the most important benefit. The best reason to use mobile payments: you don't give your payment card number to the merchant, which keeps you safe from:
Mobile Apps: Apple Wallet / Google Wallet.
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| Smart TV Data Harvesting |
There is no privacy on a "smart" TV. The modern television business model isn't about just selling you hardware, it's also based on telemetry, harvesting and selling your personal viewing habits and data. Whenever and whatever you watch, that info is being 'phoned home' to data brokers.
The Solution
The only real mitigation is to never give the TV access to the Internet. Skip the Wi-Fi setup, leave the Ethernet port empty; instead, use an external streaming box that you control.
If you want to stream content from a smartphone, tablet or computer, use Wi-Fi Direct instead of a local network:
Win + K to open the Cast menu. This uses Miracast to project your screen direct to the TV without needing a local Wi-Fi network.The Solution
It's surprisingly hard to find a good, low-cost VPN, with ample IP pools, high performance, and solid privacy policies. It's not perfect, but my current top pick is Private Internet Access (PIA).![]() |
| New Starbucks Tipping |
Until Starbucks changes course, putting customers back ahead of greed, the solution is to mobile order ahead, thereby avoiding the tipping terminal entirely. You can even select personal cup for the discount and extra stars!
Under President John Legere, T-Mobile USA was the customer-focused "un-carrier" that offered great pricing, service and performance. That all changed when he left, and now T-Mobile is just another big evil carrier.
It was bad enough when T-Mobile first broke Legere's promise to 'never raise your price' but now it has gone full evil by forcing subscribers from great legacy plans to new more expensive plans, along with unbundling taxes and fees for new customers. Worse, it slip-streamed it into the Terms of Service, leaving unhappy customers with little recourse. It's now entirely money-focused.
You can switch to a much better carrier and save a great deal of money without losing great network performance, with much better customer service in the bargain. That escape path leads to US Mobile, an MVNO (Mobile Virtual Network Operator) with access to all three major carrier networks. (It's even possible to switch networks as desired!)
The best part is that you may be able to at least take advantage of the 'Un-Carrier Guarantee' to get your last month of service free when leaving T-Mobile after a price increase. You may have to fight for it, because not all T-Mobile service reps even know it exists, and resist pressure to get you to stay, but you can get it if you persist and act promptly.
One of the best deals that's frequently offered by US Mobile is a full year of Unlimited Starter for only $199 (just $17 per month) all in (no added taxes and fees): Unlimited Talk & Text, 70 GB of High-Speed Data and 10 GB of Hotspot Data on the T-Mobile network, and more. Plus it often has great deals on devices!
Do it, now, and if you use my referral code, you will get a $25 credit! (I get one too.)
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| Stop Subscription Creep |
Vendors love subscriptions because people forget to cancel them (so charges keep going). They can even make it hard to cancel. Part of the problem is that it can be a big hassle to regularly audit all your payment card statements to find the ones you no longer need or want. Another part of the problem is that it can be hard to jump through the necessary hoops to cancel. Fortunately, there is a simple, effective solution.
A related problem is that vendors can record and keep your card numbers for future transactions that you may not actually authorize.
The simplest, most reliable solution is to force‑expire every payment card once a year. Ask your card issuers to replace your cards with new numbers but without Card Updater Service.*
When that happens, every subscription dies automatically and all saved card numbers are invalidated. You then just need to give your new card numbers to those subscriptions and vendors you want to keep.
A big advantage of PayPal over a payment card is that vendors cannot keep a card on file and make charges without authorization.
No need for spreadsheets, audits, “subscription manager” apps.
* Card Updater Service means that your issuers will cheerfully switch your zombie subscriptions to your new card numbers, defeating the Nuclear Option.