Category Archives: Finance

February 6, 2022 · 20:38

Time on my side

Yes, this is what it seems to be and there are no rolling stones going my way. I saw the news yesterday, but I was busy with a few other parts. So when I recall ‘Early Christmas for China’ on January 10th and ‘Just like the moon’ on September 20th 2020 (at https://lawlordtobe.com/2021/09/20/just-like-the-moon/), there were even a few more mentions before that and people called me nuts, I was talking like Mr. Serious Hit. And now we see the continuation in the Business Insider with ‘As Biden struggles to define his relationship with Saudi Arabia, China is stepping in to fill the gap’ (at https://www.businessinsider.com/china-saudi-strengthen-ties-biden-struggles-define-mbs-relationship-2022-1). A stage that was out in the open, a setting where China is now ready to set the caper to take billions from the EU and the US and direct it towards China. I stated it before and now we see the mention of “In recent months, China and Saudi Arabia have grown closer, establishing new fronts of cooperation in defence and trade.” A setting that could cost the two dumb parties (EU and US) hundreds of billions. So where do you think they will get the heating relief for? How does it look when the BAE has a good system but these tea grannies protesting on behalf of the CAAT are now the cause of prolonging the UK hardship for another decade, well done ladies! A perfect setting where you had no clue what you were talking about in the first place. 

So whilst we take consideration of “Saudi Arabia has long been China’s biggest trade partner in the Middle East — Saudi goods accounted for 17% of Chinese imports in 2021”, yet that is not really the real deal, it is when Saudi Arabia extends towards 25% of Chinese imports to include defence materials and optionally consultation you will see a much larger change. You see, The UAE will be invited for a special tour, Oman and Bahrain perhaps too and someone from Egypt. That is the moment when the EU and the US needs to fear the impact of reduced revenue as well as losing a political ground. You see these people were listening because the US was bringing them stuff, when that falls away the political ground changes. It is the application of money talks, bullshit walks. Political people will call it ‘A complex situation that is being monitored and looked at in conjunction with the state department and others to see what we can achieve’, but the people around that setting will have their own version of applied stupidity in politics. It was always simple. The Kingdom of Saudi Arabia needs to defend itself from future attacks from Iran and the politicians in Eu and US have done EVERYTHING to trivialise that and now another step (by China) is being made to approach Saudi Arabia. That implies that the ball is no longer on the US side, it is on the other side and is the Kingdom of Saudi Arabia decides to lob it towards China the US will lose more than 3-5 years of decent revenue. They will have to sell to nations that do not have the cash, their credit cards are strapped as such larger discounts will be required. The UK is in no better setting, they will lose less, but they stand to lose a massive amount of cash that was meant for the British coffers that pays for all that can soon no longer be afforded. 

So whilst Chinese President Xi Jinping sings to the record of the Rolling Stones singing ‘Time is on my side’ in the halls of the Presidential Palace in Nanjing, the people who hear it will realise that the US is now in a stage where the debt surpassed $30,000,000,000,000 and the incoming revenue is decreasing. The EU might not be in such a setting yet, but both the EU and UK will see that life will become harder soon enough. All because alleged individuals decided to dance to the needs of Iran, well played, stupid, but well done. Perhaps you will get a Harrods Christmas hamper from China. 

Oh and the fact that I saw this months ago was not future prediction, it was the simple approach towards logic; there were always two alternatives and China got there faster and more convincingly.

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February 2, 2022 · 13:27

Questioning presentations

I am not without faults. I have a decently evolved mind, but I rely on evidence to form an opinion, to blatantly go on faith has burned me too many times. So when the Associated Press gave us (at https://apnews.com/article/winter-olympics-sports-business-2020-tokyo-olympics-foreign-policy-817f522caca44af57a35e0e479a2fdc3) the story ‘FBI chief: Threat from China ‘more brazen’ than ever before’ I had questions, and I needed a little time to mull things over. I was not taking the word of a chief, not even the FBI one. You see the issues started in 2018 when the accusations against Huawei started, we saw the accusations yet no one was even given any evidence. The accusation against Huawei remained and contract after contract went to people who sat on their hands in the 5G race. It went so far that in 2019 Statista reported that Saudi Arabia (with a fully deployed Huawei 5G network) was 725% faster than anything the US has, it ended up the fastest 5G before South Korea, before Australia and before Canada. The Saudi network has twice the speed Canada has and well over 350% faster than Germany. That is the reality people face. 

So I had questions. And the article gave me “When we tally up what we see in our investigations, over 2,000 of which are focused on the Chinese government trying to steal our information or technology, there’s just no country that presents a broader threat to our ideas, innovation, and economic security than China”, you see, there is no doubt that this happens. There is no doubt that technology firms, that some companies take short cuts, but that would still be a large reach from hacker to ‘Chinese government’, and I think that FBI Director Christopher Wray needs to present evidence. We did not get it with the Huawei debacle and the less evidence we see presented, the less government credibility remains. 

“The harm from the Chinese government’s economic espionage isn’t just that its companies pull ahead based on illegally gotten technology. While they pull ahead, they push our companies and workers behind,” Wray said. “That harm — company failures, job losses — has been building for a decade to the crush we feel today. It’s harm felt across the country, by workers in a whole range of industries.” Is equally a debatable statement. US fat cats got rich and lazy, they relied on their bonuses to keep them supplied in viagra and all the women they could bed, all the shallow extra’s they could afford (aka cars, yachts). If you look at the setting, the larger steps (in the US) are clearly made by people like Jeff Bezos and Elon Musk. In an age where the US claims to have all this innovation, I have well over a dozen IP, Elon Musk came up with an evolutionary mobile concept, a new approach to energy winning and a few things more, where are the other innovators? Where are the other tall orders? Microsoft spins technology via marketing. In this setting IBM remains with true new technology in Quantum computing, the rest presents on something that comes, relies on their AI, something that does NOT even exist. So where exactly are these 2,000 investigations going?

The US is facing a decade of crush to stupidity, short sightedness and laziness. In that equation I should not even make a dent, but here I am with a dozen of IP that the US does not have and some of that was discussed in previous articles so feel free to not believe me, but I made mention of the IP, including the concept of printable displays. Something even Sony does not have. 

When we are given “The Justice Department in 2014 indicted five Chinese military officers on charges of hacking into major American corporations. One year later, the U.S. and China announced a deal at the White House to not steal each other’s intellectual property or trade secrets for commercial gain”, we see an example 8 years old, I do not doubt that, but I wonder what the Chinese government has stolen exactly. It cannot be 5G, what they have is massively superior than what the others have and even now Nokia is allegedly selling off parts to keep their R&D going. There is no doubt that there are issues and that there are hackers. Yet in all this consider that Google acquired YouTube and became a massive powerhouse after 2006, in 2016 China launched TikTok (Douyin) and ByteDance Ltd. a Chinese firm became known in 2020 as the fastest growing brand, and in 2021 as the most popular website, a new powerhouse that is nowhere near the size of YouTube but a clear contender. Innovation at strength, I warned people again and again that innovation trumps iteration and this is what happens when you sit down and relax. So I leave it to FBI Director Christopher Wray to present us all evidence and clear evidence that clearly divides Russian and Chinese hackers and either clearly connect them to their government, or separated them from their government. Yet I believe that Christopher Robin needs to take a larger look at his 100 acres accusation meadow and give the real goods. Yes the US is in a downward spiral, but the US did this to themselves. When the fat-cats go lazy, the hungry ones get the cream of the forest. Huawei showed you all and so did TikTok. I believe that there is a larger level of industrial espionage and there are plenty of fingers to point at real dangers, yet at no point do we see evidence that all of it is government driven. So far the REvil gang has seen arrests by the FSB, others have been arrested and at present no evidence is clearly shown to see government connections. I am not stating that these connections do not exist, I say that evidence has not been shown, and we get too many accusations and too little evidence all whilst at present too little innovation comes from the US. To state that only three parties (Bezos, Musk and IBM) is not entirely correct, but they do get all the media, so when the media gives us Microsoft iteration after iterations making claims of their most powerful console in the world and the weakest of all consoles (Nintendo Switch) passes them by with the greatest of ease. It is not because of “company failures, job losses — has been building for a decade to the crush we feel today”, it is because what marketing spins and the reality of what the people want is not the same. And that is a hard lesson to learn and the US is seemingly unable to learn it.

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January 30, 2022 · 17:56

The Ronald McDonald factor

This is a hard article to write. It is not about my IP, it is not about gaming, it is in part about me and you show me a person who will honestly look into a mirror and describe what they see with happiness, and I will introduce you to a likely liar.

To start, I have for the longest time been a Republican, I believe in the Republican values, I believe that Make America Great Again is a nationalist right for Americans. National values are important, national values are a nations right and it tends to drive national interests. Take any nation. Denmark, Germany, Netherlands, United Kingdom, Australia, Japan, Canada, USA, France they all have nationalists, people devoted to THEIR nation. It is not a shame, it is not negative, it merely is, so when I saw the hats with MAGA, I merely shrugged, it was bound to happen. What was not bound to happen is that a clown like Donald Trump would set the stage to ridiculous values, fake values and hidden personal needs. So when you today ABC ‘MAGA’s ‘Bonnie and Clyde’ have turned on Donald Trump and are now spilling his secrets’, Another media with ‘Donald Trump says he would pardon Jan 6 rioters if he runs and wins’, as well as the most despicable one ‘Donald Trump should not lead the country again, says the Republican leader of the National Governors Association’

So, why despicable?
You see, when we see the headlines, the inactions against Trump and his machine and more over, what I personally see as Republican rats, coming out of the woodwork, I see a party that is shaken to it foundations, destroyed by the Trump quake and they are all seeking shelter anyway they can. Not one of them gave light and support to Liz Cheney who was right all along. In her corner is Mitt Romney and that is pretty much it. How can I remain in support of a party that disgraces itself, that destroys its own values. With at present seemingly only Liz Cheney and Mitt Romney as honourable Republicans. The least said about Mitch McConnell the better, he stayed on the Trump side for too long, now that he is showing to stop (to some degree) Trump for office (again) he is showing himself to be disingenuous at the least and a turncoat in the nominal setting, and since that turncoat Benedict, who would have thought that to be a good idea. Which takes me to the article ‘Donald Trump should not lead the country again, says the Republican leader of the National Governors Association’ (at https://www.businessinsider.com.au/donald-trump-shouldnt-run-in-2024-national-governors-asa-hutchinson-2022-1) which aired hours ago and whilst Arkansas Gov. Asa Hutchinson gives us all kinds of settings that is pretty much highlighted with “And, you know, the Republican Party has many different voices,” Hutchinson said. “And it’s important in this time to have those voices and they should be concentrating on this election cycle” this political entity was very clear in not giving the people that Liz Cheney and Mitt Romney were correct from the start and that lack of recognition needs to be seen as a setting with a sinking ship and one rat thinking he has a chance to get to the big piece of cheese, all whilst his chances were better with a smaller chunk when he acknowledged that Romney and Cheney should get the largest chunk of cheese. Even now, I see all signs that Fox is using Cheney and Romney in the smallest setting, all whilst these two deserve the limelight. It seems that Fox has a side which hopes that Trump pulls of a trick, and these people are now relying on tricks, they are willing to depend on tricks to set the democratic agenda of the United States. So what does that tell you? How can anyone have faith in the Republican setting when its party has close to two honourable players? If I were a betting man, I would hope that the Republican ticket would be Cheney-Romney, with that ticket the Republican Party could clean out its isles with wannabe’s and incompetent politicians and put them to the sewage they are entitled. And this is a Republican minded person speaking.

The indirect factors

As I stated there is no direct need for my IP, yet indirectly it matters to me how the US does its business, because no matter how it plays out, the larger tech players will soon have no option but to register all new IP in the Commonwealth and/or EU. As I feel the setting change, the political players are enabling a massive brain drain, the January 6th events not properly dealt with are a first, but the larger setting is the political upheaval that tech and engineering firms face and in that uncertainty all their new IP will be a decent lot safer in Commonwealth/EU settings. When that happens the US stands to lose a power value no less than 10% and optionally up to 31%, it is a wide field but in one setting the IP value of pharmaceuticals in Ireland went from €37.5B in 2018 to €105B in 2019. I was unable to see the growth in 2020, but that value has gone up and it will go up again in 2021. So consider that ONE industry has cause a brain drain towards Ireland (EU) of well over 300% over three years, I will let you ponder who lost out on those coins. There is no clear shift in the papers, but I feel certain that the US lost a lot and the tech firms are starting to do the same thing. So when I stated (well over 6 months ago) that I preferred to see my IP in Commonwealth hands, I did know what I was talking about and happy for me both Google and Amazon have global filings, so I am still up for that race and with two new IP’s coming (I will write about them soon to some degree) I feel certain that my time is still optionally to come (wishful thinking).

Yet if any political players are crying like little chihuahuas show them that they had this coming. They accepted Ronald McDonald as a president, the people will seek their fun in places where politics are not set to a clown but to a serious person and that is the view of a simple Republican, not a democrat and not an independent.

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January 29, 2022 · 16:07

Sadness in my heart

Today I feel sadness in my heart, but not for any reason you would expect. The Dutch NOS informed us (at https://nos.nl/l/2414328) that the Haunted castle will go. The Haunted Castle is one of the oldest attractions in the Dutch Efteling. I remember seeing it in its first year in 1978, it was my third visit. I would visit the Efteling about 6 times more but every time I wanted to see the haunted castle, it felt magical and there was so much to see. So when I see that future generations will be denied this, I merely feel sadness. I get it, it is almost 45 years old, but it kept millions of people staring at the floating violin, the running couple, the hanging man and so many other parts engaged, its departure is saddening. 

In part I hope that the access route to the haunted castle will remain as the entrance for what comes next, but that is merely my look on the matter. 

I decided not to include photo’s of the attraction, not that I am against it, but because the image would never show what it offers, even a YouTube film will mis parts of the show, it was that amazing. Yet the Efteling had so much more. In 1955 the Belgium Queen Fabiola wrote stories one of the was the Indian Waterlilies. It rook some time, but in 1966 the Efteling pulled it off and gave light to the Indian Waterlilies. I saw it in its second year, I must have been 5. I remember the overwhelming atmosphere it held and over time I would see it again, now as an engineer I would see through the show, but weirdly enough it would not lessen the show, because it was not a trick , it was a show and that made all the difference. The Efteling would bring more over time, the Pagoda, the Python, The Halve Maen (the half moon, a galleon on a swing), the enchanted forest, Villa Volta. So many amazing feats, and always there was the Haunted Castle. This summer will be its last time, so see it if you can. We can go on an awards and so on, but the truth is that the Efteling is a journey in itself. You should take the time to treat yourself at t’ Poffertje (The Little Dutch Pancake). It gives the vibes of the old Pancake house that I visited in the 60’s and 70’s. I still have an Anton Pieck Replica of that, the image takes me back to those years and the smells surround me. Only the Efteling got me there before and over time too much of this will vanish. There is the awful realisation that M2 must exceed €x for the event to survive. We have become a much larger accountant than history would be pleased with and too many parts will vanish over time. Not merely in The Efteling, but any themed Parc will go through these motions. I reckon that the same will be seen in Disney and Universal. I never saw the Jaws exhibition with my own eyes and perhaps I will have time to see the Harry Potter places, yet I am not holding my breath on that. For now I feel the sadness of the Haunted Castle leaving us and I cannot say goodbye, I last saw it in 2004, 17 years ago. The things we are denied because M2 did not exceed €x is just sad, it really is, as economy decides on what is worthy the numbers deny another path, that of the people it inspires on art and new ideas? A question most of us (including me) cannot answer, only historians have that ability, and even then it is limited and redacted to a hypothesis. 

Sadness over what once was and soon will be no more. Consider what you will miss out on and if you have that ability, do something about it whilst you can. Just an idea to consider.

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January 29, 2022 · 13:01

That one flaky promise

This story get you from Reuters. It was the article (at https://www.reuters.com/world/us/biden-highlight-manufacturing-jobs-gdp-growth-pittsburgh-2022-01-28/) giving us ‘Biden visits Pittsburgh bridge collapse, vows more U.S. investment’, so how is this going to get done? We think it is a simple exercise, but in reality it is one of the hardest and it is seemingly going to infrastructure, which has close to zero return in investment. Making the exercise even harder.

So how did I get there?
In the first this is not specifically against President Biden. He inherited a debt from both the Democratic isle and the Republican isle, both sides are equally guilty and consider that the US last had a surplus in the Clinton Era (1993 to 2001) and 8 months later the World Trade Centre went down. At present the US has a debt that is now $29,800,000,000,000. It will hit $30 trillion in a weeks time. So how does one invest more when the debt is 30 trillion? It is a simple enough question and with the interests going up, the US will not be able to make interest payments in the next quarter. Yes, they will pull a rabbit out of a hat and some weird accounting principle will used to borrow $999,999,999 from 100 sources so that they can pass it without opposition, but that tends to be the final straw, the final nail in a coffin called economy. Consider that the UK only has a £2,000,000,000,000 debt and we saw only a few days ago that they are now staring at inflation giving them “£8.1bn last month – up from £2.7bn a year earlier” (source: BBC). It is a 300% increase due to inflation. So at what point does the US (Japan too) feel the brunt of $89.4Bn against the expected $29.8Bn (speculated interest numbers)? Now I cannot vouch what the actual numbers are, but if inflation hits the UK, it will hit the US as well, the nice part of setting debt to equal levels (EU, US, JPN) implies that debt interest will grow on near equal terms and the US is in it too deep. So how will the Biden administration invest more? There is no money left and infrastructure has been getting slammed for 2 decades now and as previous administrations did not do nearly enough, present and future administrations need to do more whilst there is no money left. 

So whilst we see the setting of a tragedy in Pittsburgh, it is in no way the proper setting of a fairy tale, because that is what I personally believe that the Biden administration is trying to sell. I would be delighted to be wrong, I truly do. Yet in the light of debt and interest all whilst US taxation got the US $3.46 trillion (actual 2019) and $3.71 trillion (estimated 2020), now consider that in 2021 the deficit will grow by $3,000,000,000,000 all whilst the additional interest payments will grow too. So the setting of a $6,800,000,000,000 budget that is close to 50% short of what is collected, so how exactly will these so called US investments be done? How can you invest in something you have no cash for?

Is the image too blurry or are you starting to see the greater picture? And now we see the dangers that the US is close to no options left but to take control of US set USPTO patents and IP’s. The US can only continue by setting US based IP to government leverage. So does it now make sense that I prefer my IP to remain in the Commonwealth? The EU an optional second choice? The smaller IP owners will soon feel the dangerous breath of a ‘social’ minded government to ‘share’ their IP with all Americans, all whilst their government will spend money they never had. I am on the ‘screw that idea’ mindset and prefer my IP to remain solidly within the Commonwealth. Thank you very much. 

So when that prediction come to term and when the brain-drain in the US does happen (still speculatively) what will the US have left to pay for the bills they have. 

And if you wonder if Wall Street pays for that, consider that they will have a 96 hour window to get the hell out of there with whatever portable wealth they have, and my guess is that they have been setting up nesting eggs in every zero tax place that they can call home next. The Wall Street Journal reported on this on December 10th 2021. There we see “thousands of millionaires have relocated to the city and the wider United Arab Emirates, drawn by zero income tax and relatively relaxed pandemic restrictions. The city’s bars, restaurants and hotels are packed, real-estate prices have surged, workers are returning to offices”, it is the first wave of what I think will be a growing wave all over the zero tax places. Let’s be clear, this is my speculative view, because people are increasingly eating oranges does mean they stop eating apples, but if a certain group gets loaded on one fruit there is a decent speculation that other fruits will not or at least less eaten. There is a wave and it is starting almost exactly around the time I predicted it to happen to some degree in 2014. There were doubts, but we were heading in this way and now we are almost there. And those economists who called me raving mad? Weird, I have not seen them around for some time. I wonder why? 

Just in case, do not just believe me, do not trust me (trust no one) and do your own math, consider common sense and wonder where your retirement fund will be when you are American in 2024 (most likely it stopped existing). Do your own math and do not accept answers from economists “This is too big too fail”, or “We expect it to stay around the same as it is now”, party lines that ignore inflation debt payments that cannot be met and an annual deficit of trillions. That is the reality your funds face. So when we see ‘Biden visits Pittsburgh bridge collapse, vows more U.S. investment’ I wonder where he is getting those numbers from, because the balance of the books do not support that promise, it seemingly stopped supporting that promise 5-10 years ago.

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January 25, 2022 · 23:36

Not just America

This train of thought started when the BBC gave us ‘Inflation surge sends UK interest payments higher’ (at https://www.bbc.co.uk/news/business-60117150). In the past, to be a little more specific with ‘Utter insanity’ (at https://lawlordtobe.com/2021/10/04/utter-insanity/) on October 4th 2021, with ‘How stupid are we?’ (at https://lawlordtobe.com/2021/09/17/how-stupid-are-we/) on September 17th 2021 and even before that going back to 2015 and 2016 I made it clear that debts have interest. The US (now at 28 trillion), Japan (well over 14 trillion) and the EU with several at €5,000,000,000,000 as well as the UK with well over £2,000,000,000,000 now sees (via the BBC) the quote “The Office for National Statistics (ONS) said interest on government debt hit £8.1bn last month – up from £2.7bn a year earlier.” Is anyone even surprised? It was always going to be worse, but I admit that was before Covid took centre stage, as these elements unfolded, debts all over the planet is soaring and the interest is due. And if you think the UK is in a bad setting, consider that France and Germany have a similar setting, but with a larger debt. Germany has options, yet I am not sure how many France has and as I am taking notice of it the article more thoughts come to mind. You see, I wrote with some degree of speculation “The US laughed and sniggered when Wall Street offered vulture solutions to Argentina in 1998, now the vultures are ready and set to rip the US carcass apart. Is it a fair view? That is not in question, yet the stage is now that it is becoming a likely view the only people treated fair are the hard workers who just tried to get by.” And this view is not taking into consideration what the US will do to regard their registered patents and IP to be part of the debt leverage. It made me consider where to put my IP. In all this Canada was the safest bet, more important, Amazon could set the market upheave with securing up to $15 billion in IP, IP that is still unsecured. And as I notice a few articles in the BBC, there is ever chance that one of the IP settings could well over double. Another IP (a concept IP setting) could well exceed that if the IP for the printable displays takes hold. You see, power needs are exceeding massively what is available and the idea that we could optionally reduce power requirements to one device by well over 60%, the idea of doing that to up to 100,000,000 devices will count, the optional military setting (as their is a notion that this solution is speculatively EMP proof, would exceed the expectations by a lot more, by more than even I could imagine. But I will accept that DARPA is a much better source then I ever would be. 

So as debts and power needs rise to way above the acceptable norm, there could be a partial union between Elon Musk and Jeff Bezos (or whomever runs Amazon). And in this Reuters news from December 18th telling us ‘U.S. to face increasing power reliability issues over next 10 years’ merely fuels my IP value. There is optionally a larger stage that has everything to do with people moving from California to Texas and I wrote about it in the past. It doesn’t just set the environment with not enough power, it also sets the available power in the wrong place, giving places like Texas a few more headaches. In this the solution that Elon Musk has will be essential and needed almost immediately. 

But this is not about him, it is about Amazon and Amazon has as per today an optional solution for issues in the UK, issues in a few places in the EU and that is all before someone realises that Neom (Saudi Arabia) requires a very different approach to marketing and retail visibility. I based part of my IP on that shift in 2019 and now that it is closing in, someone will realise that whatever is set there could influence and strengthen it position in Egypt and Israel as well. This relates to the previous part because the US has done almost nothing in that regard other than alienate Saudi Arabia, the EU is in a similar position as they cater too much towards Iran and Saudi Arabia can together with Huawei set the 5G base to include Egypt which brings close to 100,000,000 subscriptions and they all want to do marketing. And in all this I have been right again and again and now that the UK is realising that an interest increase from “£8.1bn last month – up from £2.7bn a year earlier”, the need for commerce is overtaking all other considerations and Amazon has the inside track on several options. At that point do you think the US will be about fair play? They will take what they can and they will leverage IP as required to not fall over, because if the UK is facing this, then so are Japan and the US to some degree and none of them has the stamina to wage a long fight with debts drowning them, especially when the interest is too much too handle. In all this Elon Musk and Jeff Bezos have the option to be saviours (at a price), especially when the short sighted governments should have seen this coming a mile away. Why? I saw this point as early as 2015, thus I was aware of the danger 7 years before the BBC informs its audience and this is not merely ‘speculation’, this was always going to happen, only through covid there is a chance that the UK will beat the US and Japan to that point of drowning. And when that happens it will the the one marker where all retirement funds will dry up faster than oasis in the Sahara. Feel free to doubt me, but I leave it up to you to await the bad news from your retirement funds. Some studies were made that in the US 40% will run out of retirement funds due to all kinds of risks and governments running out of cash is a big one, that is why (for them) patents and IP are so important, they are the leverage some companies prefer not to give them. They might prefer to call it ‘Leveraging Federal Resources’ but in the end that is where it is heading and it will not merely be the US, it will be a lot more places who play that game, so in the end, those who own their IP are in an exulted place of negotiating. Hence the benefit that Amazon and Musk will end up having and should either be a larger part of Neom, their value will merely go up, because it is not (merely) about  Neom, it is the strategic place it has for Saudi Arabia, Egypt and Israel. From there a whole range of options open up and the first one there gets to serve all the others. 

It is not about the US, it is not merely the US. You need to see that before it is too late to act, it might still be too late to act, but there is an option to reap some rewards in that mess and that is all up to you, I placed my IP in a strategic place, outside of government reach. It was a good as I would be able to steer it, now it is up to others and I might still miss out, but I gave it one hell of a try. 

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January 15, 2022 · 11:03

This is weird!

Yup, it is weird and you will see what I talk about soon enough. You see, not unlike the Sony fiasco, some players are all about blaming the one we all see as a boogeyman, it happens and it lulls us all to sleep. Yet when the BBC gave us 18 hours ago ‘North Korea hackers stole $400m of cryptocurrency in 2021, report says’ (at https://www.bbc.com/news/business-59990477) I took a little time to mull a few things over. You see, it is nice that we are given a (state) hacker and a setting what apparently gave them $400,000,000, yet the danger is different. For me it started with the Sony hack, it gave me an idea to create a new hack that was never done before and the nice part is that it could be implemented in several ways and in several places. Yet then I started to think: “How can a nation observed by so many agencies pull this off, all whilst we saw evidence, journalist supported evidence, that military officers in North Korea had NEVER seen a smartphone, or one of its base functionalities?” This thought matters, because that lack tends to seep through the fabric of ANY organisation (to some degree). So I felt certain that the Sony hack was never done by North Korea, and several accredited and more capable cyber people than me felt the same way. 

So here when I see “From 2020 to 2021, the number of North Korean-linked hacks jumped from four to seven, and the value extracted from these hacks grew by 40%,” Chainalysis said in a report” I feel that I am in a stage where I am watching a blame game develop, all whilst the fault is somewhere else. And there is more, the report the BBC talks about gives us “These complex tactics and techniques have led many security researchers to characterise cyber actors for the Democratic People’s Republic of Korea (DPRK) as advanced persistent threats (APTs). This is especially true for APT 38, also known as “Lazarus Group,” which is led by DPRK’s primary intelligence agency, the US- and UN-sanctioned Reconnaissance General Bureau. While we will refer to the attackers as North Korean-linked hackers more generally, many of these attacks were likely carried out by the Lazarus Group in particular.” It is an issue, because “cyber actors for the Democratic People’s Republic of Korea (DPRK) as advanced persistent threats (APTs)” implies an infrastructure, one that a lot of open nations do not get to have. I am not stating North Korea is innocent (well, they might be of this), I am stating that someone wants us to think it is North Korea, so that others stop looking in THEIR direction. You see, the reference to the Lazarus group (one I personally take offence with) and the DPRK gives a rather large voice, but in that it could only be if senior ranking North Korean officers knew what a smart phone was and that part is weird as some journalists who were in North Korea (2019, I believe) saw the opposite. This does not make sense. As such we cannot ignore hackers, optionally hackers who for a fee took shelter in or near North Korea, yet that puts them in the most watched part of the internet by at least half a dozen players. Personally it makes much more sense if they were working from China. 

And now we get to the good stuff. This is seen in “Once North Korea gained custody of the funds, they began a careful laundering process to cover up and cash out,” the report on last year’s cyber attacks added. A United Nations panel that monitors sanctions on North Korea has accused Pyongyang of using stolen funds to support its nuclear and ballistic missile programmes as a way to avoid international sanctions.” I reckon that laundering is not beyond the abilities of North Korea. Yet the setting of “accused Pyongyang of using stolen funds to support its nuclear and ballistic missile programmes” something that is possible, but the knowledge North Korea has stops this, moreover, their ballistic programmes are set upon failure after failure. Which with $400,000,000 in merely 7 operations sounds goofy to say the least. 

It is my personal feeling that the hackers might be anywhere but in or near North Korea. The Sony hack is optionally a slice of evidence towards that. Consider that Russia has now Arrested REvil, yet no one is wondering how this group had “more than 426 million rubles (£4m), including about £440,000 worth of crypto-currency”, including 20 premium cars. These things get noticed, as such I believe that REvil had some massive levels of protection, a setting North Korea cannot do, it is too unbalanced. With REvil, there was a Russian valve of protection, a state player that is on the top tier, a place where North Korea has no access. When you see these elements questions rise and a lot more questions rise that one would expect. So who did steal that $400,000,000? I have no idea, but consider that someone offering North Korea in its current state is offering $100,000,000 for denying the blame, is that good business practice? It would allow the perpetrators months to set safe 75% and a nice settlement in a very nice place. I would definitely consider such a move and with the world searching, getting the not look in the wrong place is a good place to start.

In all this, I could be wrong, but am I? How much evidence of advanced computer technology (outside of Olympus has fallen) regarding North Korea have we seen? We saw the images of a North Korean president and his top staff looking amazed at a 3 year old Dell computer, one we see in many households. Where is the advanced hardware needed to remain undetected? All questions in addition to the dozens watching their every digital move. If they get away under these conditions, they would be more able than the NSA, DGSE, or FSB. How likely is that? When you look at the larger frame, too much of this is weird. On the other hand, it gave me the idea to create the Hop+1 listening systems, just a little idea I had to scare the Pentagon a little (I need my amusement too). So perhaps this will set me on track for another piece of IP, I have done more with less, so here is hoping.

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January 11, 2022 · 17:08

Media in Limelight

That is the setting, is it time to put the media in the limelight? It started yesterday in Al Jazeera which was based on an article that came from the Wall Street Journal. The article (at https://www.aljazeera.com/news/2022/1/9/iran-likely-smuggling-weapons-to-yemen-confidential-report) gives us ‘Iran ‘likely’ smuggling weapons to Yemen: UN report’I got there over three years ago, with a little later, in December 16th 2019 when I wrote ‘Joke of 2019: United Nations’ (at https://lawlordtobe.com/2019/12/16/joke-of-2019-united-nations/), where we see the UN giving us in some delusional Tate of denial “The UN has reportedly so far been unable to confirm Iran was involved in drone and cruise missile attacks on two key Saudi oil facilities in September”, they were that much in denial, one could argue that the UN allowed itself to be steered clear of any evidence involving Iran and the media was happy to oblige. If you search for these elements in Western media you will find very little. The Wall Street Journal who gave us two days ago (at https://www.wsj.com/articles/iran-navy-port-emerges-as-key-to-alleged-weapons-smuggling-to-yemen-u-n-report-says-11641651941) “Thousands of weapons seized by the U.S. along supply routes for Yemen’s Houthis likely originated from Jask in Iran’s southeast, according to a draft report” might be one of the first that takes a larger look at the acts of Iran, well, I have to say that it took them long enough. I have a three year head start on most of them as such I wonder which stakeholder is out in the cold now?

A stage most ignores for the longest time is now a hot potato. So we do hope that General Turki Al-Maliki, serving the Kingdom of Saudi Arabia will get the support he has been entitled to for well over two years. And all this is before you realise that Arab News gave us (at https://youtu.be/6Ab-8bIHY90) the setting of what Saudi Arabia was getting done in Yemen. Now, I am willing to be skeptical and not one sided, but the media did not report on any of that did they? It would be fair to see opposition, there always is, yet that part is also missing. We see blunt debatable attacks by tools like Stephanie Kirchgaessner (the Guardian, Washington DC) and a few other tools, but that is the extent, this is one of the larger first articles that the Kingdom of Saudi Arabia and in particular General Turki Al-Maliki has been rowing upstream for far too long all whilst the media shuts down any reporting on Iranian actions towards and in Yemen, why is that?

If there was opposition, disagreements on matters it would show, it always does, one side reports on knives being delivered, the other party will state that the manufacturers of stone knives are being pushed out of a job. This is life, but the shutdown on news regarding Iranian actions is another matter and the Wall Street Journal (as well as Al Jazeera) seemingly broke rank. And when we see the response in the WSJ “Iran’s mission at the U.N. said Iran doesn’t interfere in the conflict in Yemen, as a matter of policy. “Iran has not sold, exported, or transferred any arms, ammunition, or related equipment to Yemen in contravention of Security Council resolutions,” the Iranian mission said in an emailed statement.” We get the political side of the statement, yet the part where we see “thousands of weapons seized” tell a very different story. So whilst there will be twisting and turning for some time (which always happen) the one side that does not get to be in denial is the media, two sources? The media are all over each other whenever possible and Yemen is no exception. We need to consider the media and the irresponsible acts of keeping news from us. Keeping us in the dark on what Iran is doing, we need to set the limelight on the media and their stage of denial, it is that simple. When they all start doing their job, the job of some become more outspoken and we see a much larger wheel in motion, and perhaps the headline we saw in September 2021 ‘Iran Selling More Oil In 2021 But Middlemen Reap The Profit’, the setting is simple. In what universe does the middlemen reap the profits, close to all the profits? I wonder if the media will grace us with a list of names, yet I doubt that, the stakeholders on a few levels will not allow for that. This is of course personal speculation, yet consider the revenue that oil has and now we see that the alleged Iranian profits go somewhere else? Do you not think we need to know where they go? Do you think that the CIA, FBI (and many others) are not interested where billions in profits sailed to? The media is suddenly not interested?

If Toyota released another ISIS model, the media would be all over the design teams and asking them which of the members had middle eastern relatives. Now they are quiet? I do not think so! I believe that the Wall Street Journal (al Jazeera too) is exposing a little more than they bargained for and the call for exposing and illuminating the media in the limelight is the right call to make. 

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January 10, 2022 · 00:40

Early Christmas for China

Yes, it is not the headline you wanted to see, but there is a not unrealistic chance that Christmas for China is coming 10 months early. It is seen in the first in ‘Saudi Arabia may run out of interceptor missiles in ‘months’’ (at https://www.aljazeera.com/news/2022/1/9/saudi-arabia-may-run-out-of-interceptor-missiles-in-months-ft). Al Jazeera tells us here “As Houthi rebel attacks escalate, Riyadh has ‘an urgent situation’ as it runs out of missiles for its air-defence system, Financial Times newspaper reports” this is the wake up call. It is “There is an interceptor shortage. Saudi Arabia has asked its friends for loans, but there are not many to be had,” one of the people told the publication” that takes the cake. Terrorists are firing missiles (with Iranian support) on Saudi Arabia and civilian targets and we have to be serious on “there are not many to be had”?  Are you freaking kidding me? Well, there is an alternative, a Chinese alternative and when someone states that the interceptor is better, I cannot really counter that with other than “You have no stock, so what do you care?” A stage where the Americans decided to upheave their arms sales, first planes, then Navy and now Interceptor missiles. Well, the Chinese have the HQ-9, or Sea Red Banner-9 missile. There are a few alternatives so the Chinese will have a few versions for Saudi Arabia. So when we see “In February last year, Biden said he would end US support for Saudi Arabia’s “offensive operations” in Yemen, including “relevant arms sales”” we can all nod or realise that the interceptor has a defensive nature. But that might be me. In all fairness, my goal is still to get the 3.75% commission, and on sales that now could extend well beyond the $300,000,000,000 ends up being a really nice sum of money and as I see it, America does not need that revenue, they can go bankrupt with or without it. And there is the other side that Saudi Arabia would enable a much larger set of infrastructures to go via China, the EU seemingly not needing international revenue to go their way either.

When will people realise that it is too late for some high moral point of view? It is nice if you have the coffers to feed nations, but the US and the EU nations gave that away to banks and meaningless spending, as such they have to chose whether it is a population going hungry. It is just like these politicians having a go at Google and Amazon, all whilst Microsoft is overlooked as they install bloatware after bloatware interaction reducing the options and rights of billions. So when will these people take the proper scope in sight? For me there is a selfish reason. I am not Saudi, but I am massively anti-stupid and anti-enabling. So when the media gives us “in light of the October 2018 murder of Saudi dissident journalist Jamal Khashoggi by Saudi operatives in Istanbul” all whilst no clear evidence has ever been reported or presented is just too stupid for words. So if I can get a few crumbs of billions by high lighting that, why would I not do that?

And in the second setting. The fact that Houthi forces have anything left to fire on Saudi Arabia and no one has stock to replenish, what does that tell you? When will these idiots act against Iran? Whilst we are treated two hours ago to ‘Iran denies interim nuclear deal reached – report’ (source: Jerusalem Post), so why are we getting denials, deferences and deflection in a stage where one player is becoming more and more dangerous. There is now an actual stage where at least one nation is willing to go to war. I tried to avoid that by making an idea to melt down the Iranian reactors without the need for bombs, so I did my bit and it is growing ever more likely that China will do their bit to, so where does all the inactions leave President Biden with the USA and his administration when inaction is all that they can offer? It is the worst political stage of enabling a competitive nation (China) I have ever seen and the EU is in a stage not much better at present. 

So where do they go when they have nothing left? I reckon it will be the path of the Chihuahua, but that might just be me.

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December 28, 2021 · 04:42

Card or Con? Friend or Foe?

Forbes got my attention, just as I was reconsidering part of something that happened a few months ago. It was the article https://lawlordtobe.com/2021/03/20/i-need-medication/ titled ‘I need medication!’ It reverberated in me as I took notice of Forbes (at https://www.forbes.com/sites/forbestechcouncil/2021/12/27/is-it-time-to-disrupt-your-call-center/)there I got served the quote that matters, it was “I recently received a letter from a major credit card issuer. To process my application, they needed some additional information and verification. The problem? I had not applied for a new credit card. The letter was valid, but the application was fraudulent. The letter instructed me to send the required information for verification or call a toll-free number, with no option to text or chat. I opted to call the toll-free number. This was truly a call center, not a contact center.” The setting where we have “Monday morning, I navigated the maze again and got into the hold queue where I was informed my hold time was one minute. Success! Two hours and twenty minutes later I hung up. I looked up the credit card fraud phone number for the provider and called them. Within moments, I was connected to an agent. Yes, she would be able to help me. Before I could speak, I was transferred to — you guessed it — the same number I had called previously.” Here we get a setting, a setting that takes hours, in that time all kinds of fraud could have been commenced. Of course there is all kinds of chances that Forbes was adding the spice of drama, but I think it is simpler than that, there is a failing in Fintech as a whole. It seems that it is about revenue and for the most they will not care about the people, no matter what claim they make. If there was a true customer service then there would be checks and balances, there would be more than “To process my application, they needed some additional information and verification.” I believe that this is not an American issue, it is a European, a British, and Australian, a Canadian and several other nations. A massive failing in Fintech and the policy makers and lawmakers are falling behind, no matter what the excuse, they are falling behind. 

We see some laces giving us numbers (they call it statistics).

  • In 2018, $24.26 Billion was lost due to payment card fraud worldwide
  • Identity theft makes up 14.8 percent of reported fraud
  • 69 percent of fraud starts with a consumer being contacted by telephone or email, such as overdue loans or prize scams

Those were the numbers, now we see: 

  • Instances of identity theft by credit card fraud increased by 44.6% from 271,927 in 2019 to 393,207 in 2020
  • Identity theft by new credit card accounts increased by 48% in 2020.
  • From 2019 to 2020, the number of identity theft reports went up by 113% and the number of reports of identity theft by credit cards increased by 44.6%.

This shows (to some degree) that the larger stage is Fintech and a much better system is required, a much larger check needs to be in place. The fact that a consumer got “they needed some additional information and verification” could be seen as evidence. Overall systems are designed as ‘customer friendly’ all whilst it is (as I personally see it) a system for automated credit allocation not allowing a person to take time to reconsider, a straight push for credit and spending sprees. What happens if credit cards are treated like the acquisition of a pet? To set the stage of a ‘cooling off period?’ Is it that weird to let the person going for the credit reconsider for 24 hours? 

In this day and age there is a larger concern, it is not merely that we see the passing of 5,419,538 people, a large amount of them might be facing all kinds of fraud and hardship and that passes on  to the next of kin who are already devastated. 

However, it is not all Fintech. Forbes also gives us “I received a phone call from another card issuer’s fraud department. Their question was simple: Did I apply for one of their cards? When I responded no, they immediately flagged it as fraud and advised me to check my credit reports for other suspicious activity. Their systems analysed the same data available to the first bank and flagged it as possible fraud.” So some are better than others, the question becomes, how can the system be improved? That is the real conundrum and the customer service part is essential in all this. Whether we look at a Friend of Foe solution, whether we have a connected bank or not. I reckon that there is a solution to implement blockchains that allow for a much more secure station, a setting that is not propagated. What if the block chain is in two parts? A part that only the consumer has, one part that the bank has, one can check the other, yet a new bank will not have that part, only the current bank has it, a setting that could limit the damage we see with 

  • Identity theft by new credit card accounts increased by 48% in 2020.

It is not a perfect setting (yet) but when we consider the part I wrote about in the earlier blog. “To make sense, I need to take you back to the 80’s. There was a fab in those days, radio’s had a sort of enhanced METAdata part, so when a song was playing, you saw the band and the title in your display. It is almost like someone took that idea and put it on steroids, I cannot think of another explanation, what is more, I have no idea what my brain was working out. It is like someone figured out to hide more than a FoF (Friend or Foe) message in the radios broadcasting, with some cypher that gave the relevant information to any visor it faced. Yup, quite the ride and it went on for some time in my dream, the arrows had numbers, but the numbers made no sense to me, but to the co-pilot they made a lot of sense. They were following along the path of a canal with several branches, and the arrows were pointing along the canals they were on, several (not all) pointing in some sort of flight guidance setting.” So what happens when block chain meta data points at the actual person, not the applicant. There might be a station where we see that the 48% increase dwindles down by a lot, optionally arresting a lot of fraudulent players in the process. This is not a given, it is a mere thought, but I am trying to consider a new approach, one that a lot of players are not making, I am not saying that they weren’t doing anything, because I cannot answer that question, yet as I see it a lot of issues are ignored due to ‘customer friendly’ issues, whilst it tends to benefit fraudulent behaviour a lot more. 

And it is essential, because in 5G this station will get a hell of a lot higher and the Law, Big Tech and Fintech are not ready, none of them seem to be. However, that is merely my take on the issue.

Enjoy the day.

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