Category: American Life

LLMs combined with offshore and immigrant grifters make supervised bank accounts even more necessary

by philg

I’ve written about this repeatedly based on my interactions with old people… the U.S. desperately needs a simple-to-establish bank account, with associated credit card, that can be supervised by a second person. This would be useful for some young people, but it would be primarily for the elderly to prevent them from being cheated out of their savings and Social Security. The idea is that they could enter into small transactions at reliable merchants without restriction, but if they try to buy something over a threshold amount or transfer funds over a threshold, an Account Protector’s approval is sought, e.g., via text message “Grandma is trying to pay $700 for diet pills advertised online. Press 1 to approve.”

‘Gold Grifters’: Inside the growing scam using couriers to pick up gold bars from victims is a recent ABC story:

Kris Owen, a 79-year-old Vietnam veteran, had planned to spend his golden years in Indiana with his wife, Karen. They wanted to spend more time with his son and travel the world together.

Owen received a pop-up message on his computer in 2023 saying that his personal information was compromised — and was told to call a phone number.

When he did, an individual posing as a federal agent said they would safeguard his money and instructed him to convert some of his savings into gold bars, Owen told ABC News. After weeks of communications and after receiving what he thought was a letter from the FBI, Owen purchased $80,000 worth of gold bars.

“They told me to wrap it in a box … with Christmas wrap paper,” Owen said.

He then took his gold to a grocery store parking lot near his house, he said, expecting to hand it over to a federal agent so the gold could be kept in a secure location. A car soon pulled up next to Owen and he placed the gold in the back seat before the driver took off.

The FBI and a local Indiana police department had Owen go undercover to try to catch an individual who was supposed to receive $50,000 from him. Owen, wearing a wire, met with the individual at a parking lot and placed a box with fake cash in the individual’s back seat.

Law enforcement followed the individual, who they later identified as Abdul Mohammed, and took him in for questioning. He was charged by federal prosecutors with conspiracy to commit wire fraud and two counts of wire fraud.

Mohammed, who later fled the country, was a courier — an individual recruited to pick up gold bars or cash from victims, according to law enforcement officials.

(Our government tortures airlines and private pilots with APIS and eAPIS manifests of who is on every outbound flight and all passengers’ passport details and yet Abdul Mohammed was able to easily leave after being arrested, charged, and then released by our revolving door justice system?)

In an exclusive phone interview, ABC News spoke to a suspected courier from jail as he faces charges in two states for his alleged involvement in gold bar schemes.

Yash Shah, 27, who was originally charged with multiple felonies in 2023 related to the scam, claims he does not know where the gold is going. He pleaded guilty and was sentenced to five years probation, but he was arrested again last November for his alleged involvement in a Maryland case. He is currently being held without bond in a New York detention facility.

“I’m not a criminal or anything like that,” Shah told ABC News. “I’m just a normal person. They [were] just saying … if you wanna make a little more money, you have to go pick up the package, and you have to just drop it over there. That’s it.”

Shah claims he was hired by someone from India and was paid between $800 and $4,000 to pick up packages, some which contained gold bars. His attorney, Nicholas Ramcharitar, said Shah took between five and 10 trips traveling all over the Northeast as a courier.

Mr. Shah wasn’t suspicious when offered 50X what UPS charges for the same service because… he is not a criminal?

What’s the LLM angle?

“These tech support pop-ups that initiate the whole scam emanate from a call center in India,” Delzotto said. “So we have a lot of focus on India with [a lot of] these illegitimate call centers.”

LLMs will be a lot more successful at fooling us than Indian humans (they still say “the reason of my call” instead of “the reason for my call”), so the bleeding out of American wealth to scammers around the world is likely to intensify. Right now our banking system has only two modes: (1) you’re a fully capable adult who can distinguish Agent Abdul Mohammed from a real FBI agent, (2) you’re a mental vegetable who can’t buy socks at Amazon and all of your money is held in trust and the bank takes instructions from the trustee(s). But a typical 79-year-old doesn’t fit well into either of these modes. He/she/ze/they is, one hopes, nearly capable of Mode 1 banking, but some kind of second signature or text message approval or something should be required before $80,000 is withdrawn.

Related, a March 2024 New Yorker story:

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Eid Mubarak from Apple

by philg

Eid al-Fitr is now a “US Holiday” according to Apple:

(Separately, nobody can write precisely precisely?)

How about some new phrases, e.g., “As American as Eid al-Fitr”?

(Eid al-Fitr is not on the analogous Google Calendar “Holidays in the United States”. Hatefully, neither Apple nor Google includes International Transgender Day of Visibility (March 31 every year) on the list of US Holidays.)

Related:

  • Profiles in Corporate Courage (Apple offered Pride Edition products in 2021 and “is proud to support LGBTQ advocacy organizations”, but at the same time does not offer these sacred rainbow items in places where full LGBTQ rights have already been achieved, e.g., in the UAE (Wokipedia 2021: “Male homosexuality is illegal in the UAE, and is punishable by the death penalty under sharia law”))
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The Villages, Florida: Golf Cart Urbanism?

by philg

The Villages is very likely the world’s most active “active retirement” community in the world. A friend retired in his 50s (the magic of a U.S. military pension supplemented by work for and retirement package from a U.S. military contractor) to The Villages and showed me around recently. He says that it is home to about 150,000 people and that a percentage of units can be sold to those under 55 so long as they don’t bring under-19 kids with them who need to be educated in local schools. (In addition, the same enterprise is building an adjacent family-oriented community that is intended to house workers.) The Villages are northwest of Orlando (the mouse elite) and southeast of Ocala (the horse elite). It’s just over a one-hour drive to MCO or Disney World.

If you’re a student of New Urbanism you’ll find The Villages to be a twist on the concept. My friend lives in an almost-new house in an almost-new neighborhood. There are no sidewalks. The front of the house is dominated by a 2-car garage door. In these senses, it is the opposite of our New Urbanism neighborhood of Abacoa, despite the density being similar. All of the Abacoa neighborhoods have sidewalks and nearly all emphasize “meeting the street” with something other than a garage door (every house has a garage, of course, but they’re hidden behind the houses and accessed via alleys).

Realistically, though, how far is an American going to walk? Especially an American who is at least 55 years old? A $200/month HOA fee (“amenities fee”) gives every resident of The Villages access to recreation centers, neighborhood pools, “sports pools” (25-50 meters), golf courses (70, though some of them are “championship” courses that require an extra fee), pickleball, tennis, etc., etc. These are spread out over at least 32 square miles. Bicycling is fairly popular among residents and it is possible to drive a regular car to all of the points within the development, but golf carts seem to be the overwhelmingly popular means of transportation to any destination within The Villages. The local dealer (owned by the founding family) says “the average resident will drive 3,500 – 5,000 miles in their golf car per year” (a married couple will have two golf carts, so this is a per-person number). My friend says that it would be perfectly reasonable to go more than 50 miles in a single day within The Villages (he and his wife therefore bought gas-powered carts because the EVs didn’t have sufficient range at the time).

The Villages is designed with separated golf cart roads and car roads. Some of the latest communities have additional dedicated biking/walking paths. I am not aware of any place else in the world with a similarly extensive network of golf cart roads. (A fair number of people cruise around gated communities in golf carts, but they’re using roads designed for and shared with cars.) I’m not sure why, but the golf cart roads seem to move more people per square foot of pavement. Maybe because the vehicle size is a better match to the human driver/passenger size? Maybe because the golf cart roads have tunnels under and bridges over busy car roads so there isn’t time wasted at 4-way intersections?

A lot of places in the U.S. where new communities are being built have similar golf cart-friendly weather to The Villages. I’m wondering if golf cart roads should be built as part of standard urban planning even when there isn’t one giant HOA. If nothing else, Greta Thunberg should be happy. If people can get safely to the supermarket in a lightweight vehicle (about 700 lbs. for a lithium-ion machine) that’s a lot less impact on our beloved planet than if they run daily errands in a typical 4,000+ lb. highway-speed car. (Our kids go to a school that is 1.3 miles away. The supermarkets are 0.7 to 1.2 miles away. Home Depot is 1.7 miles away. All of these trips could be done almost as fast in a golf cart as in our Honda Odyssey and the weather would be reasonable for golf cart travel at least 90 percent of the time (people in The Villages have fabric on the sides that they can pull down if it is raining or chilly).)

If golf cart roads could become a standard part of the municipal vocabulary along with bike paths, sidewalks, and car roads, we could have Golf Cart Urbanism as a national movement!

What does a golf cart cost? During the Obama administration, the answer was “nothing”. Working class chumps were tapped to give rich people $5,500 for each electric “vehicle” where a golf cart could qualify if it had sufficient lights, etc. to be street legal (Cato):

The federal credit provides from $4,200 to $5,500 for the purchase of an electric vehicle, and when it is combined with similar incentive plans in many states the tax credits can pay for nearly the entire cost of a golf cart. Even in states that don’t have their own tax rebate plans, the federal credit is generous enough to pay for half or even two-thirds of the average sticker price of a cart, which is typically in the range of $8,000 to $10,000. “The purchase of some models could be absolutely free,” Roger Gaddis of Ada Electric Cars in Oklahoma said earlier this year. “Is that about the coolest thing you’ve ever heard?” … “The Golf Cart Man” in the Villages of Lady Lake, Florida is running a banner online ad that declares: “GET A FREE GOLF CART. Or make $2,000 doing absolutely nothing!”

(Some people made huge $$ by buying fleets of golf carts, harvesting the tax credits, and then leasing the carts to golf courses.)

Back in 2020 my friend paid $19,000 for each of his Yamaha golf carts, which struck me as basic (just two seats, for example). He said that the long-range electric carts today were selling for about $21,000. For a household with two adults, therefore the total cost of transportation equipment is about the same as in a place where cars are king because the household needs two carts, each of which is half the cost of car, and a car.

Maybe this could rejuvenate the EV industry, which seems to be dead except for Tesla. Instead of making huge cars and trucks that, apparently, few people want, the car companies could make street-legal golf cart-width EVs. Put in AWD and climate control, for example. Shouldn’t Ford and Honda be able to make better golf cart-width EVs than the small companies currently making them?

My visit was brief and I spent so much time in my friend’s golf cart that I couldn’t take a lot of photos. This video, though, shows some travel around via dedicated cart roads within The Villages:

Loosely related, an all-Islamic city being built just north of Dallas:

Based on their Instagram feed, they might want to put in an HOA rule requiring that all golf carts be painted with the Palestinian flag:

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Valentine’s Day Post #3

by philg

From the front page of the New York Times, February 5, 2025:

The path to “the best sex” starts at the local family court, promises the front page. Does the article deliver?

In 2019, I divorced, at age 46, and went on to have more and better sex than I ever would have thought possible.

I had not imagined that the end of a 20-year relationship would mean a new era of high eroticism; I’d have needed to be delusional to think that. I was middle-aged, with two young children, a bunch of chronic illness and a bank account that was essentially handed over to divorce lawyers. My career was on life support, and after years away in bigger cities, I was back in my hometown, Montreal, enduring the kind of isolation that comes from exiting a relationship that has defined nearly half your life. Then the pandemic hit.

And yet.

…

Two of my friends ended marriages because of their own sexual dissatisfaction. Another divorced and became a card-carrying polyamorist. Two of my friends in their 50s are seriously dating people in their 30s, and a few others are, like me, divorced and engaging in sex practices they’d never tried before.

(Maybe the NYT story is based on some unpublished material from Bob Guccione‘s (RIP) Penthouse?)

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Valentine’s Day Follow-Up

by philg

For those who didn’t feel sufficient love from the first Valentine’s Day post, let’s look at what it takes to be a successful husband in progressive urban America. “How I Learned That the Problem in My Marriage Was Me” (New York Times, February 4, 2025, by Daniel Oppenheimer).

Marxist-Leninism has been replaced in the U.S. by Transferism, but the Marxist-Leninist emphasis on self-criticism remains:

“I tell myself: ‘I try really hard. I try to be a good person. I try to be thoughtful about Jess and what she needs. Maybe I don’t get to everything, but it’s not because I’m not a good person.’”

“Instead of looking to Jess to top me off with love, I need to take on that responsibility myself.”

Jess was so much more capable — and demanding — of love and intimacy than I was. This was part of the attraction but also the problem. I was an ambivalent fortress, always defending against her siege while secretly hoping she would breach the walls.

Assuming that “Daniel” identifies as a “man”, masculinity today seems to have drifted quite far from what the Stoics had in mind:

The diagnosis comes after I relate the story of a tantrum I threw at my 48th birthday dinner. It involved me storming out of a restaurant, in front of our kids and friends, and coming back only after a solid 15-minute sulk. It’s not a flattering story, and I don’t try to render it so. Jess and I argued beforehand about what restaurant to pick, which left us tense for days. One of the kids was being difficult. Jess wasn’t as affectionate as I wanted her to be. I wasn’t getting the birthday I felt I was owed. I blew my stack.

We’re informed that gender dysphoria is not a mental illness requiring therapy (only surgery), but going through what used to be considered normal day-to-day life does require therapy:

We’ve both been to a lot of therapy before. As a couples therapist, Jess has been guiding people in this kind of work for years.

Therapy is not for those whose attention spans are short:

[The therapist] Real keeps me in that space, eyes closed, talking to my inner child, for about 30 minutes. … At the end, I put my inner child back inside myself and open my eyes. Real tells me I did a good job.

“No pain, no gain” is not just for the gym:

The box of tissues next to me, which Real asked Jess to get before we started the exercise, remains unused. I’m not surprised, but I am disappointed.

A reader comments that women will like men better when the men become women:

@Tim Thank you for sharing. I also think you have illustrated the widening gap between Millennial women and men, at least in my own social circle. My female friends and I read self-help books, go to therapy and even talk about how we can break the patterns of our parents through personal enlightenment and self-improvement…whereas the men in our lives are staunchly against the idea, at most willing to placate us women by providing lip service in a passive, surface-y couples therapy session or two.

It’s creating a widening gap between the genders and, in my view, resulting in ever increasing misunderstandings and resentment. I’m hoping that articles like this (thank you Oppenheimer!) and guys like Real can de-stigmatize this emotional work for the men that we love and desire a healthy connection with.

(Is the above comment tainted with hateful gender binarism? If we accept the Science of 74 gender IDs, the correct phrase would be “gap among the genders” not “gap between the genders” (implying just 2).)

Here’s the author of this NYT confession (eating a child’s meal of bread with artisanal jam?):

Very loosely related…

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The dual fantasy worlds of Republicans and Democrats

by philg

As we celebrate National Pickle Day, let’s look at a 63-year-old Democrat who expects, absent dramatic birth control measures, to become pregnant and crave pickles and ice cream. In the video below, she discusses a first person possibility of being a customer for IVF and abortion care as well:

Julia Louis-Dreyfus has reached the age of a great-grandmother in most human societies, but imagines that she could get pregnant and give birth (the Guinness Book of World Records age for this feat is 59) and also that someone other than a gerontologist is interested in her reproductive system. (The post and video above originally a tweet on JL-D’s official X account, but apparently it was deleted or restricted so that only non-Deplorables/non-Garbage can see it.)

What’s the corresponding fantasy world for Republicans? Deporting undocumented criminals:

“There’s about 4.5 million who would be the first priority for that, people who’ve already committed crimes,” Johnson (R-La.) said Thursday. “They’re in the system now [for] shoplifting, or whatever it is … or [having] done things that are untoward or unlawful.”

This politician imagines that there is a country (or countries) out there, other than the U.S., that is dumb enough to take in 4.5 million folks who’ve been adjudicated criminals. Note that criminality is heritable, so if a country takes in a criminal it will be on track to have additional criminals in the future. (Also remember that nobody can agree on how many of the undocumented are currently enriching us with their presence: “Yale Study Finds Twice as Many Undocumented Immigrants as Previous Estimates” (2018); the estimate of 11 million seems to have been in use by mainstream media for 20+ years, even as the same publications report on floods of new arrivals.)

I think the 63-year-old’s fear of getting pregnant and not being able to secure abortion care might be more reasonable than the Republican expectation of being able to dump migrant criminals on some other nation!

So the good news is that the two parties will be back to governing soon, now that the election drama is mostly over. The bad news is that both parties seem to be living in fantasy worlds of their own creation!

In case the above Instagram post is memory-holed…

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Terror Swift Sceras Tour

by philg

No fewer than 3 out of 130 immediate neighbors have Taylor Swift themes for Halloween decor. Here’s the best one:

And on the other side of the sidewalk:

The nighttime view:

(I hate to brag, but the above photos were taken with my new iPhone 16 Pro Max. Nobody has a better phone than I do and nobody hates to brag more than I do.)

Speaking of night photos, a house with a headless horseperson of unknown gender ID and a dragon (also of unknown gender ID):

A generally scary look:

The grim reaper and three clowns don’t seem to hang together. Can anyone think of a unifying theme? The clowns are animatronic:

Women from an Islamic society?

A neighbor with preschoolers has put an extra stroller to good use:

Try not to schedule your birthday for any time near Halloween… the scene from last weekend:

Go Big or Go Home:

Folks in the adjacent non-HOA Jupiter Heights community are famous for their Christmas displays, but they had a few fun Halloween houses:

I would love to see Jabba the Hutt as the advertising mascot for an Ozempic-style medicine.

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Birthday Reflections

by philg

I’m 61 today, a stereotypical age for a 1950s father to drop dead from a heart attack (that would have been attributed to the stresses of work, adult female supervision, concerns around children, etc.). This post is to reflect on things that I’ve learned in the past year.

From Fort Worth… it turns out that “Brazilian Sugar” is not a doughnut flavor:

From moving my 90-year-old mom out of independent living in Bethesda, Maryland to assisted living here in Jupiter, Florida… nothing in the United States is set up conveniently for old people. Financial services and government agencies require old people people to be competent with smartphones and/or web sites. Being an Internet/email user exposes old people to every kind of fraud (much worse since the lockdowns because old people have been more isolated and, therefore, easier to exploit). We need new structures, such as banking, credit card, and brokerage accounts that can be set up so that a second person’s authorization is required for transactions above a certain size.

From being almost at the end of Year 2 of ChatGPT… LLMs aren’t useful yet for making daily life go more smoothly. LLMs haven’t reduced traffic jams in the U.S. or airline delays and cancellations. LLMs haven’t made it easier to prepare dinner or clean up the house. Maybe LLMs are a game-changer for students assigned to write essays and programmers assigned to write boring code (especially on new-to-them platforms; maybe this explains “Tech Jobs Have Dried Up—and Aren’t Coming Back Soon” (WSJ)), but they haven’t meaningfully touched even a lot of enterprises that are primarily about information processing. For example, I’m an expert witness in an avionics-related case right now. There are more than 25 lawyers and paralegals on each side. Much of what is being done is, in theory, the kind of work that an LLM could do well, e.g., find a relevant document quickly, assemble relevant case law for a dispute that the judge has to settle, etc. Yet no use of LLMs is made at trial.

From Tequesta Indian Village Peace Mound Park, a bit of high ground in the otherwise uninhabitable Everglades that was inhabited prior to the Europeans draining the swamp… a parent was done with his/her/zir/their job when a child turned 13 and heaven was a swamp:

A few things that I’m glad to have done during the year…

  • spend three weeks exploring central and northern Portugal (plus Santiago de Compostela)
  • attend a Formula 1 event in person (not worth a huge amount of time, effort, and money, but the Miami event is well-organized)
  • made it to Oshkosh, as usual
  • saw the second total eclipse of my life
  • take a child on her first visit to the Kennedy Space Center and her first rocket launch
  • get my mother and some of her grandchildren together every 2-3 nights
  • made it to Boston to teach

How am I spending the day? Sadly, there won’t be the kind of theme party that Talulah Riley organized for Elon Musk (source):

For his forty-second birthday, in June 2013, Talulah [Riley] rented an ersatz castle in Tarrytown, New York, just north of New York City, and invited forty friends. The theme this time was Japanese steampunk, and Musk and the other men were dressed as samurai warriors. There was a performance of Gilbert and Sullivan’s The Mikado, which had been rewritten slightly to feature Musk as the Japanese emperor, and a demonstration by a knife-thrower.

The morning was spent in a 20-year-old Cirrus SR20 with no air conditioning and an intermittent ALT1 failure (a problem that three different Cirrus Service Centers haven’t been able to resolve in nearly two years; this was the first failure after a mid-summer circuit breaker replacement). My 9-year-old copilot suggested Chick-fil-A for lunch. Then we visited my mom. Exciting plans for the rest of the day: Zoom for an expert witness matter; dinner near PBI; pick up the kids’ other grandma at PBI; cake with my mom in her senior fortress.

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