Tag Archive | "neuarlink"

A Privacy Joke, or…


Is this a travesty?

Here’s how the loss of a special privacy cannot be changed or taken back.

privacy

Many readers have asked ,e the question, “Gary, how in the heck did you get where you are?”

It all began in the 1970s when I was a leader in the idea of being international.  I taught the  idea of a “Six point command posture… live in one country, bank in a second country, earn in a third country with a company formed in a fourth country, with an office in a fifth country  and investments in a sixth and more countries”.

This set of structures enhanced privacy as governments and a tort legal system grew increasingly evasive into private lives.

This idea is so out of date that its now a joke… or travesty.

The almost total loss of our privacy have come about because man can achieve the impossible, fly to the moon, dive to the deepest depths, race at the highest speeds, but he can never overcome the inconvenient.

Modern computers, the internet and cellphones changed the meaning of convenient.  These technical innovations increased convenience and power by quantum leaps.

But the key to privacy is being able to disconnect.  The key to the internet is connecting.

Soon the only private place left might be in our thoughts, unless Elon Musk is right.  Then even this personal space will be gone.

Also to make whatever humor we can garner from our privacy loss more sarcastic, there is no turning back.

Screen Shot 2019-11-09 at 8.05.18 AM

How can we change our fingerprints?

The article “Data leak exposes unchangeable biometric data of over 1 million people” (1) at MIT’s TechnologyReview  says:  A major leak of data discovered this week in the UK includes fingerprints of over 1 million individuals, face recognition information, unencrypted names and passwords, and other personal info from Suprema, a security company used by UK police, banks, and military contractors, according to a report in the Guardian.

That leak shows how some data can never be disconnected due to the increasing use of biometrics: You can change your username and password with a couple of clicks. Your face and fingerprints are forever.

I recently took a trip to England, flying from Orlando on Norwegian Air.  Though I know the route to the airport, I always turn on my nav system because the DOT is constantly making changes in the Orlando highways.

I plugged Orlando Airport into my Nav system.  It did not just take me to the airport.  The system directed me right to the Norwegian Air terminal.

My first though was, “How convenient“.   My second thought was, “How the heck did my Nav system know I was flying on Norwegian Air?”  I can only assume that the Nav system looked for and cross referenced messages I had received from airlines.

This is simply horrible in my opinion, unless only good people control our data… which we know they are not.

Even worse, the loss of our most personal data does not even have to come from a leak!

The Wall Street Journal article “Google’s ‘Project Nightingale’ Gathers Personal Health Data on Millions of Americans” (2) tells how
Google is is amassing health records from a huge health care system in 21 states despite the fact that patients have not been informed.

The article says: Google is engaged with one of the U.S.’s largest health-care systems on a project to collect and crunch the detailed personal-health information of millions of people across 21 states.

Google began Project Nightingale in secret last year with St. Louis-based Ascension, a Catholic chain of 2,600 hospitals, doctors’ offices and other facilities, with the data sharing accelerating since summer, according to internal documents.

The data involved in the initiative encompasses lab results, doctor diagnoses and hospitalization records, among other categories, and amounts to a complete health history, including patient names and dates of birth.

The problem is about to get much worse.  Elon Musk has been funding a company called Neuralink that wants to implant an AI interface in your brain so your thoughts are connected to the internet.

We are already cyborgs according to Musk.  We have super powers on our computers, phones etc.  We have more power than America’s President had 20 years ago.   We can do so many incredible things.

The constraint to these powers, according to Musk, is input output.  Two thumbs tapping away on our cell phones is so slow or even ten fingers and thumbs on a key board.

Our input is great.  We take in a lot, with our eyes, ears, tactile senses, olfactory and tastes.

Musk’s system creates a layer of neural links that directly interface with cortical neurons.

musk

We would become an enhanced cyborg.  According to Musk, this is our only option if we do not want to be left behind by artificial intelligence (AI).   There will be those who achieve symbiosis between the brain and AI and those who do not.  The difference in productivity between the two will be as pronounced as the difference between those who have a cell phone and those who do not.

This is real stuff. An www.extremetech.com article “Elon Musk wants implant ai interface brain” says: Musk’s company is currently working with a syringe-injectible, flexible, sub-micron-thickness substrates (note the regular grid in the ribbon pictured above) that can function as a component of implantable electronics. The mesh is so gossamer-soft that it doesn’t irritate the brain’s impossibly delicate cellular matrix, and its electrical properties mean that only the target part of the brain receives the electrical stimulus. With recent developments in flexible electronics and bio-inert materials, implantable brain-computer interfaces are coming closer and closer to reality every day.

There is a quote, by William O. Douglas, who was a great Supreme Court Judge  “The right to be let alone is indeed the beginning of all freedom.”

If this is true, we have given up this right for the sake of  convenience.   Once our cortical links are connected to the internet… how many of our thoughts will be captured that can never be retrieved?

Futures are made of the decisions we make and the actions we take in the here and now.   Some decisions and actions are at major crossroads… to use gunpowder… to drive cars… to fly airplanes… to talk through telephones… to have electric lights.   The list goes on and on and each dramatically enhanced our productivity and the ability of humanity to expand.

The path down each crossroads has also created unintended consequences and I can only guess what they will be for these decisions to give up our privacy  that we cannot take back.

Gary

The Only 3 Reasons to Invest

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The stock market has always been the best place of places to protect and increase wealth over the long haul.   Yet it’s also been the worst place to lose money, a lot of it, quickly.

There are only three reasons why we should invest.  We invest for income.  We invest to resell our investments for more than we had invested.  We invest to make our world a better place.

The goal of investing should be to stabilize our security, bring feelings of comfort and elimination of stress!

We should not invest for fun, excitement or to get rich quickly. We should not divest in a panic due to market corrections.

This is why my core stock portfolio consists of 19 shares and this position has hardly changed in three years.  During this time we have been steadily accumulating the same 19 shares and have traded only three times.

A model portfolio that dates back to 1969 has dramatically outperformed almost every stock market in the world.

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A hundred US dollars invested in that portfolio in 1969 is now worth $44833 compared to $100 invested in an equity weighted world index being worth $11,548.

This portfolio is built around a strategy that’s taught in my Purposeful Investing Course (Pi).  I call these shares my Pifolio.

This portfolio more or less matched the S&P 500 until May 2018.  Then a stronger US dollar made the portfolio look like it was falling behind.   This currency illusion creates a special opportunity we’ll view in a moment.

This portfolio above is based on stock price to value analysis built around 91 years of stock market data.

The value analysis is used to create a portfolio of MSCI Country Benchmark Index ETFs that cover  stock markets that are undervalued.  I have combined my 50 years of investing experience with the study of the mathematical market value analysis of Michael Keppler, CEO of Keppler Asset Management.

In my opinion, Keppler is one of the best market statisticians in the world.  Numerous very large fund managers use his analysis to manage over $2.5 billion of funds.  However because Keppler’s roots are in Germany (though he lives and operates from New York) and most of his funds registered for the European Union, Americans cannot normally access his data.

I was lucky to have crossed paths with Michael about 25 years ago, so I am one of the few Americans who receive this data and you will not find his information readily available in the US.

In a moment you’ll see how to remedy this fact.

The Pifolio analysis begins with Keppler’s research that continually monitors 46 stock markets and compares their value based on current book to price, cash flow to price, earnings to price, average dividend yield, return on equity and cash flow return.  Then Keppler takes market’s history into account.

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Michael Kepler CEO Keppler Asset Management.

Michael’s analysis is rational, mathematical and does not cause worry about short term ups and downs.  Keppler’s strategy is to diversify into an equally weighted portfolio of the MSCI Indices of each good value (BUY) market.

This is an easy, simple and effective approach to zeroing in on value because little time, management and guesswork is required.  You are investing in a diversified portfolio of good value indices.

A BUY rating for an index does NOT imply that any one stock in that country is an attractive investment.  This eliminates the need for hours of research aimed at picking specific shares.  It is not appropriate or enough to instruct a stockbroker to simply select stocks in the BUY rated countries.  Investing in the index is like investing in all the shares in the index.  You save time because all you have to do is invest in the ETF to gain the profit potential of the entire market.

To achieve this goal of diversification the Pifolio consists of Country Index ETFs.

Country Index ETFs are similar to an index mutual fund but are shares normally traded on a major stock exchange that tracks an index of shares in a specific country.  ETFs do not try to beat the index they represent.  The management is passive and tries to emulate the performance of the index.

A country ETF provides diversification into a basket of equities in the country covered.  The expense ratios for most ETFs are lower than those of the average mutual fund as well so such ETFs provide diversification and cost efficiency.

Here is the Pifolio I personally held at the beginning of 2020.   There have been no changes since.

70% is diversified into Keppler’s good value (BUY rated) developed markets: China, Germany, Hong Kong, Italy, Japan, Norway, Singapore, Spain and the United Kingdom.

30% of the Pifolio is invested in Keppler’s good value (BUY rated) emerging markets: Brazil, Chile, Colombia, South Korea, Malaysia and Taiwan.

iShares Country ETFs make it easy to invest in each of the MSCI indicies of the good value BUY markets.

For example, the iShares MSCI Germany (symbol EWG) is a Country Index ETF  that tracks the investment results of the MSCI Germany Index. The fund is at all times invested at least 80% of its assets in the securities of its underlying index that primarily consists of all the large-and mid-capitalization companies traded on the Frankfurt Stock Exchange.

iShares is owned by Black Rock, Inc. the world’s largest asset manager with over $4 trillion in assets under management.

There is an iShares country ETF for every market in our Pifolio.

This year I celebrated my 52nd anniversary of writing about global investing. Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades. This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

How you can create your own good value strategy.

I would like to send you, on a no risk basis, a 130 page basic training course that teaches the good value strategy I use.   I call this strategy Purposeful Investing (PI).  You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You get this course when you enroll in our Purposeful Investing program (Pi) with a triple guarantee.

Triple Guarantee

Enroll in Pi.  Get the 130 page basic training, a 46 stock market value report, access to all the updates I have sent in the past three years, two more reports on investing (described below) and an online Value Investing Seminar right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the two reports and Value Investing Seminar as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

When you subscribe to Pi, you immediately receive a 120 page basic training course that teaches the Pi Strategy.   You learn all the Pi strategies, what they are, how to use them and what each can do for you, your lifestyle and investing.

You also begin receiving regular emailed Pifiolio updates and online access to all the Pifolio updates of the last two years.  Each update examines the current activity in a Pifolio, how it is changing, why and how the changes might help your investing or not.

Included in the basic training is an additional 120 page PDF value analysis of 46 stock markets (23 developed markets and 23 emerging stock markets).  This analysis looks at the price to book, price to earnings, average yield and much more.This year I celebrated my 51st anniversary of writing about global investing.  Our reports and seminars have helped readers have better lives, with less stress yet make fortunes during up and down markets for decades.  This information is invaluable to investors large and small because even small amounts can easily be invested in the good value shares we cover in our seminar.

Stock and currency markets are cyclical.  These cycles create extra profit for value investors who invest when everyone else has the markets wrong.  One special seminar session looks at how to spot value from cycles.  Stocks rise from the cycle of war, productivity and demographics.  Cycles create recurring profits.  Economies and stock markets cycle up and down around every 15 to 20 years as shown in this graph.

The effect of war cycles on the US Stock Market since 1906.

Bull and bear cycles are based on cycles of human interaction, war, technology and productivity.  Economic downturns can create war.

keppler

The chart above shows the war – stock market cycle.  Military struggles (like the Civil War, WWI, WWII and the Cold War: WW III) super charge inventiveness that creates new forms of productivity…the steam engine, the internal combustion engine,  production line processes, jet engines, TV, farming techniques, plastics, telephone, computer and lastly during the Cold War, the internet.  The military technology shifts to domestic use.  A boom is created that leads to excess.  Excess leads to correction. Correction creates an economic downturn and again to war.

Save $102 If You Act Now

Subscribe to the first year of The Personal investing Course (Pi).  The annual fee is $299, but to introduce you to this online, course that is based on real time investing, I am knocking $102 off the subscription.

Triple Guarantee

Enroll in Pi.  Get the basic training, the 46 market value report, access to all the updates of the past two years,  right away. 

#1:  I guarantee you’ll learn ideas about investing that are unique and can reduce stress as they help you enhance your profits through slow, worry free, easy diversified investing.

If you are not totally happy, simply let me know.

#2:  I guarantee you can cancel your subscription within 60 days and I’ll refund your subscription fee in full, no questions asked.

#3:  You can keep the reports as my thanks for trying.

You have nothing to lose except the fear.   You gain the ultimate form of financial security as you reduce risk and increase profit potential.

Subscribe to Pi now, get the 130 page basic training, the 120 page 46 market value analysis, access to over 100 previous Pifolio updates, plus begin receiving regular Pifolio updates throughout the year.

Subscribe to a Pi annual subscription for $197 and receive all the above.

Your subscription will be charged $99 a year from now, but you can cancel at any time.

Gary

(1) www.technologyreview.com/f/614163/data-leak-exposes-unchangeable-biometric-data-of-over-1-million-people/?utm_source=newsletters&utm_medium=email&utm_campaign=weekend_reads.unpaid.engagement

(2) www.wsj.com/articles/google-s-secret-project-nightingale-gathers-personal-health-data-on-millions-of-americans-11573496790?mod=breakingnews

(3) www.extremetech.com/extreme/246610-elon-musk-wants-implant-ai-interface-brain