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Search Result for “policy interest rate”

Showing 1 - 10 of 49

LIFE

Caveat emptor is undefeated in online shopping

Life, James Hein, Published on 11/03/2026

» It is becoming more common to buy things online. The majority of my shopping, not counting groceries, is now done that way. In the past I've warned about prices that are too good to be true, like a 4TB thumb drive for a few dollars from sites like Temu and AliExpress. There is now a kind of middle ground where the price could be correct and it's coming from, say, Amazon. Recently, even though I had some doubts, I bought a 5TB SSD drive from Amazon for around half of what I'd expect it to be. I did this knowing I can easily send things back to Amazon.

LIFE

Microsoft put on the naughty step by Aussie regulator

Life, James Hein, Published on 05/11/2025

» Microsoft has been at it again. The Competition & Consumer Commission in Australia has started a legal process against the Redmond giant for apparently misleading users of the policies for its Microsoft 365 bundle. Microsoft advised users with a Personal and Family plan that "to maintain their subscription they must accept the integration of Copilot and pay higher prices for their plan, or, alternatively, cancel their subscription".

LIFE

AI will overpromise and underdeliver

Life, James Hein, Published on 27/08/2025

» Let's start with a few brief comments on the current state of artificial intelligence. Specially targeted and trained AI models are improving. These are things like detecting something in an X-ray or hunting for potential chemical candidates for a compound to attack a specific condition. Generating pictures and videos is also improving rapidly, and by the end of the year the majority of people will not be able to tell the difference between the real thing and the AI fake. Large Language Models are still unpredictable and can give false or fake answers depending on the structure of the prompts, so be careful with the answer you get from these. The current corporate buy-in for AI is well beyond what it can deliver. This is driven by marketing, not the actual state of capabilities. My prediction is there will be a lot of out-of-pocket organisations of all types disappointed by results.

LIFE

Online Safety Act is a bad joke

Life, James Hein, Published on 13/08/2025

» The UK now has their Online Safety Act (OSA) and Australia is blindly following in their footsteps. In the UK it didn't take very long for the tech aware under-18s to bypass all the rules and regain access to adult content. Think about it, if China can't completely block everything do you think the UK had any chance? There were some creative solutions but the most common was a simple Virtual Private Network (VPN). In related news, some VPN companies reported a 1,400% increase in sign-ups since the OSA came into force.

LIFE

Connectivity conundrums

Life, James Hein, Published on 18/06/2025

» I'm travelling as I write this, so I thought it would be a good time to cover things like connectivity and the kind of issues I face even in 2025. Connectivity will typically revolve around your smartphone and I recommend you prepare for this in advance. Option one is a new sim card that you put in when you get to your destination.

LIFE

Turning smart glasses into surveillance tools

Life, James Hein, Published on 23/10/2024

» I'm sure most readers are familiar with the Apple Vision Pro, and may have also been witness to someone wearing one out in the real world, because I have. Since then, there has been a new version of the Meta Ray-Bans that look like a pair of nerd glasses from the 1970s. The latter have turned into something from the TV series Person Of Interest by a couple of Harvard undergrads. The pair, AnhPhu Nguyen and Caine Ardayfio, are known for their punch-activated flamethrower. This time they built a system that allows the Ray-Bans to scan faces of people in view, pass this to an AI system that scans the internet for identification, and builds a dossier that is passed back to the glasses. It's called I-XRAY and challenges the concept of privacy because, if available, it will even provide details like address and social security number.

LIFE

What's the state of AI today?

Life, James Hein, Published on 28/08/2024

» Recently, I've talked with a few people about artificial intelligence and watched a few presentations. The gap between what some people think are AI capabilities and actual capabilities is a big one.

LIFE

Can you trust search engines?

Life, James Hein, Published on 14/08/2024

» So how do conspiracy theories start and how does the internet and major search engine players contribute to them? As I type this, depending on where you are in the world, if you type "assassination attempt" in your search engine, and in particular one associated with Alphabet, the autofill options will have everything except "Trump" in the result set. You can get Kennedy, Hitler, Putin and George Wallace, but not the most prominent one so far this year that was one of those "where were you when you heard" events that some people saw in real time on their TV. The reason Alphabet offered for not giving the result was something along the lines that their policy is not to show political violence. You can of course find a plethora of political violence videos and examples from their search results, just not for this particular instance. Another example if you type "President Donald", the autofill adds Duck and Reagan but not Trump. Or if you Google Donald Trump you get a bunch of Kamala Harris results.

LIFE

Bill has ways of forcing updates

Life, James Hein, Published on 22/05/2024

» If you are a Microsoft user, private or business, there is a site you should keep an eye on. Search "Microsoft end of life dates" and then select the result with the heading "Overview – Product End of Support and Retirements", associated with learn.microsoft.com. On the left-hand side there are years. Click on 2025, for example, and you will see that Office 2016 and 2019 products will no longer be supported after Oct 14 of that year. On that same date, Windows 10 will be retired. For both of these there will be no new security updates. For some, this will not be an issue, but organisations will need to take note as it means their security will be potentially compromised after a while. Even with Windows 10 still outselling Windows 11, Microsoft will be pushing people to upgrade over the next 18 months and for many, this will no longer be free. People and organisations tend to stick with what works and Microsoft doesn't like that, so it stops supporting older products. The site will tell you when you will start to be at risk and after that you can decide what to do.

LIFE

Imagining a world without cash

Life, James Hein, Published on 08/05/2024

» How safe are you in a purely digital economy? If you are carrying cash, someone can of course rob you, or you can lose it or give it to someone. You can also have a stash of it at home for emergencies or for buying something from a garage sale. For the most part, you retain control over any cash you manage. Electronic cash can still be stolen and your ability to spend it can be taken by someone else if your details get into the wrong hands. However, it's convenient, just tap and go, or in some cases, just wave your smartphone over a pad. While you have no idea where your money actually is, a small piece of plastic, your watch or a phone can retrieve it for you for a payment. You can even use it to get cash from a wall.