Scams and Cons at Any Age, Part II: The Canadian Menace

“Blame Canada.” – The South Park Movie

canadianscam

Please help stop the senseless slaughter of Canadians that voluntarily give their lives so your pancakes can be tasty!  I sent them $20 real dollars, not those Canadian ones.  Or . . . could this be a scam?

Last Wednesday we discussed scams that you’ll run into at different ages.  We made it from birth to age 22 and listed some of the scams that you’ll be exposed to (Scams and Cons at Any Age, Part I, as told by Admiral Ackbar).  Today we’ll keep going, and if you don’t find the information useful, I promise a full refund of all money that you’ve paid directly to me to read this blog (note to self:  when I edit this stuff into a book remember to edit that last sentence out).

Early Career:

You’ve graduated from college, or have opened a small but successful business, or you’re pursuing a trade like welding and you’re 24.  Life is wide open!  You’ve successfully avoided college debt through one way or another, or maybe you have a modest debt that you can repay without too much difficulty every month.

Let’s go get scammed!

The easiest way to get legally scammed is your choice of partner.  If you’re with a bad one, you’re going to end up paying for it for (potentially) decades.  If your spouse is particularly unemployable and you are really employable, some states (the Internet in 2018 says Connecticut, Florida, New Jersey, North Carolina, Oregon, and West Virginia) allow for lifetime alimony.  So, if you have the bad sense to marry a gold digger?  It will outlive the cat and could last as long as that herpes he or she brought home.

canadabirth

How birth works in Canada.  Since all children are socialist and owned by the government, it’s okay if you pick up several that aren’t yours to raise if you live in Canada.

Another way (men only) you can get scammed is through paternity.  Yes, you can be found legally liable to raise Some Other Dude’s Kid (SODK) if your blushing bride is a wanderin’ if you’re married when she gives birth and you claim the kid, or don’t object within some arbitrarily short period of time.  And lets’ face it, babies all sort of look the same, so the chances of you missing that deadline are pretty significant.  In the worst case scenario, you end up paying child support and alimony when your wife starts shacking up with the Some Other Dude.  Yeah, I don’t personally know anyone this happened to, but I’ve read about several cases.  And this is perfectly legal in every state.

Thank heaven you’re not French – they explicitly have outlawed paternity testing so it is illegal to check to make sure your mademoiselle hasn’t taken to the boudoir with some other Pierre.   But that’s okay, being a father is just a social construct, right?

canadianstowork

The easy way to get to work in Canada isn’t by mass transit, it’s by moose transit.

The next big scam is car purchasing.  I’ve written at length about my philosophy on car purchasing.  You can find some representative posts here plus results of my bad experiences.  Give them a read – they will save you thousands of dollars . . .

Repeat After Me: Never Buy a New Car (and other lessons for young adults)

“Wreck. Big wreck.” – Long, Sixteen Candles

Will you buy a Tesla™ 3?  You already have.

I’m gonna tell you about an accident, and I don’t wanna hear “act of God.” – Jack Burton, Big Trouble in Little China

Outside of bad relationships, I think new cars are the biggest scam that a young early career person faces.  What kind of a bargain is a vehicle that you drive off the lot that immediately becomes less valuable?

And if you’re reading this blog, the chances of you falling for a Nigerian-Prince level scam are nearly zero.  The writers of those scams specifically put misspellings into the emails so that smart people ignore them – the laughable quality and easy verification that the scam is a lie the point of the scam in the first place.  The last thing the scammers want is a smart person to deal with – the email itself is an IQ test.  Only the scammable need apply.

As it is, the “Nigerian-Prince” scam accounts for 48% of Nigeria’s gross domestic product.  And I hope you didn’t fall for that fact that I just made up on the spot – ha, I bet you believe that there’s an actual Nigeria now.  Ha!  But THEREZ GOOD newS, I have SUM OF $48 MILLION USD that UNKLE BRADLEE left in trust for me and YOU ONLIE NEED TO PROVIDEE your bank account routing information for me to wire it 2 u.

Middle to Late Career:

You’ve reached your peak earning potential.  You’ve been scammed a few times, like me, most of them completely legal versions.  For the most part, you’re either broke or you’ve grown wary of anything that sounds too good to be true, like Social Security or that George R. R. Martin will ever finish the Game of Thrones™ series (Actual Book Series Title:  An Infinitely Long Story Consisting of People Talking in Rooms Because I Can’t Figure Out How to End It Song of Fire and Ice®) before his heart finishes him or that there’s a new version of The Gong Show™.  There is, in fact, a new version of The Gong Show® and it is fabulous.  George R.R. Martin, however, appears to be doing absolutely anything but writing.  Maybe he could be a judge on The Gong Show©?

canadadictator

It seems as if Dr. Phil has been busy?  I like the new Canadian flag, a LOT!

Dating scams seem to hit this group a lot.  Why?  After being married, and now being single, scammers can target the richest age group with a pretty significant emotion:  love and longing.  I’ve read on the Internets about folks spending tens to hundreds of thousands of dollars on their never met in person Internet lovers.  While some of these folks do get prosecuted, it’s pretty hard to convict them unless they’re fraudulent in a pretty flagrant manner, especially since the victim willingly sends the money, and, in some cases, tries to keep the relationship going even after the scam is exposed.  I guess true love can’t be stopped, even by borderline abusive behavior and financial fraud.  Now if the scammers are ugly . . . ?

Investment scams are also a big deal, but instead of love, they focus on greed.  A great example of this was Bernie Madoff, whose name alone shows that God has a sense of humor.  Really, you invested with a guy whose name sounds like “made off”?  Guess that explains why you dated Gina Cheatintramp in high school . . . .

But investment scams don’t have to be out and out lies and fraud – they can be more insidious.  Is your broker really working for you, or are they working to maximize their commissions?

I’d write a lot more here, but this post is already nearly at length.  Perhaps this will be a future post.  Or not.  It depends on if I think I can makes something SO BORING as fees and taxes on investment funds humorous.  Dunno.  Maybe if we represent the investment funds with swimsuit models?

Retired:

Fear is the major leverage point of scammers for older folks.  And I’ve seen it in person.  Pop Wilder became (as he grew older) grew correspondingly more fearful.

Why?  My opinion is that older folks have fewer options.  It’s not like they can decide:

“You know what?  Being old and retired sucks.  I’m going to leave it all and become an 89 year old lumberjack in Saskatchewan and start a Canadian rock band called Mötley Canüe and chase 19 year old Canadian girls.”

groupies

Pictured:  Canada.  Not Pictured:  Groupies.  I guess the concert would have gone better if we actually had instruments.  Or could sing.

So, Pop Wilder was complaining about expenses – that was his biggest complaint about retirement – his expenses went up and his income didn’t.  I was helping out financially (a little bit) and he explained that his prescription drug costs were astonishingly high.  At the time, the Internet bubble still hadn’t popped, so places like superprescriptions.com (I made this domain name up, so if you go there and are bombarded with advertisements for cheap, dodgy Chinese Viagra®, well, this is a post about getting scammed) were offering his prescription drugs for about 20% of the price as his local pharmacy.  I put together a list – his prescription bill would drop from $700 to about $150 a month.

He wouldn’t do it.  He was more afraid of changing (“what if they don’t talk to the medicine in a soothing voice each night like the local pharmacist does?”) than he was of losing $550 a month.

canda a eh

Imagine an alternate universe where everything is exactly the same, but Canada is spelled Cunudu.  I’d pay to live there.

But older people have another vulnerability:  the world has changed so much that their effective ignorance goes up daily – who can keep up with all of the change in the world?  And it’s started to hit me, too.  When I have a technical issue I just hand my laptop (or whatever gadget) off to The Boy or, increasingly, Pugsley, and they fix it, generally at lightning speed and with competence.  As an example of my reluctance to change technology, my phone is four years old, which might as well be a dinosaur (not a cool one, but one of the lumpy ones that lives in a swamp) compared to the newer phones on the market today.  So, I guess I’ve got a bit of that technophobic bug myself.  I even use my mobile phone for phone calls on occasion, which makes me super rare.

The only time I ever heard Pop Wilder drop the F-bomb was in conjunction with his computer:  “It doesn’t work.  It’s all f***ed up.”  The sheer frustration combined with the unexpected profanity has made this a go-to phrase for The Mrs. and I whenever some complicated thing in our house just refuses to work.

This was a regular occurrence for Pop Wilder.  I think he would (nearly monthly) take the huge, hulking tower (that the local PC people told him was the minimum system he needed to hook up to the Internet) back to their store.  They’d make some minor software changes to the Windows® settings that Pop Wilder had inadvertently messed up, and charge him $150 for dry cleaning his hard drive or lubricating his computer chip.  Every four months they’d change out some larger part for giggles.  After the computer worked again, they’d phone up Pop Wilder and he’d drive thirty miles to go and get it.  They both walked away happy.  Kinda.  Again, a scam, but a completely legal one.

Over all, I think the best advice is still this:  Be honest with yourself.  Be honest with the world.  It’s not a bullet proof way to avoid being cheated, but it’s pretty good.  But someone, somewhere, sometime is still gonna cheat you.  Legally.

I blame the Canadians.  It’s not like they’re really at fault, but they’ll still apologize.

Oh, still not a financial planner or investment dude or anything.  MAKE YOUR DECISIONS AT YOUR OWN RISK.  Really.

The Silurian Hypothesis, or, I’ve Got Lizards in Low Places

“As the 21st century began, human evolution was at a turning point.  Natural selection, the process by which the strongest, the smartest, the fastest, reproduced in greater numbers than the rest, a process which had once favored the noblest traits of man, now began to favor different traits.  Most science fiction of the day predicted a future that was more civilized and more intelligent.  But as time went on, things seemed to be heading in the opposite direction.  A dumbing down.  How did this happen?  Evolution does not necessarily reward intelligence.  With no natural predators to thin the herd, it began to simply reward those who reproduced the most, and left the intelligent to become an endangered species.” – Idiocracy

gornvkirk

SUNDAY! SUNDAY! SUNDAY!  The Iowa Assassin versus the Green Skinned Lizard Killer from Zontar-A.  Let the match begin!  Your ticket gives you the full chair, but you’ll only need the edge of your seat!

The Silurian Hypothesis is a simple one:  humans may not be the first intelligent inhabitants of Earth.  Dr. Adam Frank, astrophysicist at the University of Rochester and Dr. Gavin Schmidt, director of the NASA® (pronounced NAY-Saw) Goddard Institute, a division of Tesla® framed and named this discussion formally.  Put simply, the idea is that there might have been another civilization on Earth before people.  Like way before people – little to none of the current surface of the Earth is older than about four million years old, so the only organism alive today that might have seen the world before that time is your Mom.  Because she’s old.

It really can’t be said that Frank and Schmidt came up with the idea, because they named it after a Dr.  Who™ episode where lizard people from the Silurian age showed up in 1974 Great Britain because they overslept their suspended animation alarm clock.  Spoiler alert (for a 48 year old television series) humanity killed all the lizard people.

And Dr. Who did feel kinda guilty about committing genocide against an entire race, at least until the next episode where he had to fight the Scantily Clad Women of Zetar 9 armed only with tanning lotion and Piña Coladas.

gorn with the wing

But if there had been a civilization that existed before present time, back in the deep history of Earth, how, exactly would you even find it?  The Earth’s surface turns over on a regular basis – one article I read said that no part of the Earth’s surface is older than about 4 million years.  What Frank and Schmidt wrote a paper about wasn’t about the speculation if there had been intelligent life before humanity since that question has been out for at least 100 years.  No, their paper was what evidence might exist that we could use to determine if there had been an ancient, intelligent, pre-human civilization.

And it turns out it’s not very easy to determine if an intelligent species might have lived on the Earth long ago.  Four million years is a long time, but the dinosaurs went extinct 65 million years ago, and managed to be the dominant lifeform on Earth for 165 million years before that.  The age of the dinosaurs began almost a quarter of a billion years ago.  Again, not as old as your Mom, but still a very long time ago.

And that’s the point.  Four million years is a very, very long time.  When I start to think about human artifacts that would last that long the first thing that comes to mind is bricks, pottery, and glass.  But, again, 4 million years ago is a very, very long time.

Even farther back, there was a great inland sea over the middle part of the United States.  And then formation of the Rocky Mountains, at 55 million to 80 million years ago.  That amount of time doesn’t even take us halfway back to the start of the dinosaurs, which were by any measure the most successful land lifeform ever, even before being reincarnated in the toy box and imagination of every 7 year old boy.

jurassic

Here’s the Jurassic world, thankfully with 100% less movie. 

So was there enough time for an intelligent civilization to form?  Sure.

But civilization doesn’t mean sophisticated, and it doesn’t mean technological.  Just like there are ranges of steak (from Awesome to Super Awesome) there are ranges of civilization, from hunter gatherers at the low end, all the way up to super-galactic alien empire at the high end.

Challenges of a civilization:

  • Brain Complexity – This is the big Kahuna, the large cheese. Without enough complexity in the brain, the behaviors required to create a civilization simply are not there.  Birds flock based on instinct, but true civilization requires more than instinct – it requires the ability to create technology and worth together in conscious, novel ways.  Based on the human evolution timeline, it looks like this level of evolutionary change requires about 4 million years, a number we’ve already talked about today.  Coincidence?
  • Available Energy – We can have the smartest beings that have ever lived on the planet, but if they don’t have sufficient available energy in the form of fossil fuels or fission, the highest level of technology that they will be able to reach is approximated by the Roman Empire. And, yes, the Roman Empire had some pretty cool tech – they could drink cold beer in an air-conditioned house.  But space flight, electronic computers, plastics, and streaming Netflix™ movies were quite beyond them.  Was there oil available to kick start this hypothetical past civilization?    Oil has been formed throughout time, and, yeah, if our hypothetical civilization went looking, they might have found it.
  • Environment – My initial thought had been that the climate needed to be stable enough for an intelligence to form. But is that right?  I don’t think so.  Based on the one and only case of intelligent life we know of (us, silly), I’ve changed that opinion.  Human evolution leading to intelligence has taken place during a period of significant climactic instability.  Is it possible that the ice ages didn’t inhibit human civilization, but in fact were the reason for humans developing intelligence?  Is there a similar stress during the time of the dinosaurs?  Yes!  You can see at least one stressful climate event.  Yay, climate change!

climate

See the “ice age” 150 million years ago? 

It’s been suggested that there were several candidate species of dinosaurs that were developing along the lines of an intelligent species – they walked on two legs, they had thumbs, had a fairly large brain, and were called Troodon (which is an amazingly lame dinosaur name).  Dale Russell was the scientist who discovered Troodon, and pretty quickly asked the question (after a few shots of tequila), “Hey, how close was this thing to becoming sentient?”

dinosauroid

Here is a sculpture of Troodon (in the back) and a hypothetical evolutionary ancestor, the Dinodude.

It had a big brain for a dinosaur, and, given a few million years, the kind of time it took for humans to evolve from some sort of pinheaded monstrosity that could barely discern red wine from white to statuesque blonde girls with beer at Oktoberfest.  A more in depth look at Russell’s story can be found here (LINK).

oktoberfest

Still far cuter than an Australopithecus afarensis, even if you shaved it.

So, if this precursor intelligence existed (a big if) why haven’t we found them?

The biggest reason is that, based on the paleoclimate graph above, my bet is that they would have existed 150 million years ago.  From a civilization that spends a collective 4 billion hours each year looking for car keys, I’m not really hopeful that we’d find an entire lost civilization that existed before iPhones®.  Let’s face it – dinosaurs were everywhere for 165 million years, and what do we have to show for it?  A few, (very few) bones, some bugs in amber, and all of the plastic straws that the dinosaurs left everywhere.

Gorn Flakes

Okay, seriously, what would we be looking for?  A greasy ash layer?  DinoDirecTV® satellites in geosynchronous orbit?

Well, sorry, that satellite idea won’t work.  Even a geosynchronous satellite (one that orbits at exactly the same speed that Earth rotates at) decays over time as itty-bitty space dust hits it.  And if you’ve got a few million years to spare?  Not a problem, the satellite will spiral down into a fiery death over some ancient ocean.

gorn eharm

A greasy ash layer?  Well, despite McDonald’s hamburgers being impervious to time, ash happens all over the place for tons of reasons.  But what if warring dinodudes decided to have a nice, cozy nuclear war?  What would you see?  Well, lots of uranium in the sediment.  None of the other byproducts would have lasted this long, but the uranium 235 has a half-life of 700 million years, so it would have.   So, I did a Google® search for “uranium deposit sedimentary Jurassic” and it turns out that that lots and lots of uranium exists in sedimentary rocks, especially in Colorado and in Thailand.

Proof of a past nuclear war?  Probably not.  Most all of the Uranium that exists is the “fun” uranium 238 that you give to kids to play with, and not the uranium 235 which puts the boom in bomb.  So, to find proof, you’d need a higher amount of uranium 235 than expected.  I guess I could prove all of that myself, but  I’d have to do a lot more research, and probably spend a lot of time in third world countries (like Utah where you can’t even get decent booze) doing research and sweating collecting samples in dusty holes.  There are SO many jokes I’m not going to make right now.

So, that’s the first place I’d look – high concentrations of uranium 235 outside of ore bodies in sedimentary rock, and at least one USGS paper indicated some excess 235, but probably not our ancient dinodudes.  But if they never figured nuclear bomb making out, what then?

The best place to look for evidence would be the Moon.  It doesn’t have active geology, like Earth, and, outside of the constant bombardment from meteors, at least any evidence of visitation would still be on the surface, though irradiated by the Sun’s raw rays for millions of years.  But spaceflight is hard, arguably harder than making nuclear weapons.

gorn identity

It might be nearly impossible to find them if they didn’t make nuclear weapons or travel to space.  Heck, if you were a coal miner and found a gold dinodude ring in the coal?  Off into your pocket.  Would you believe it if you were a paleontologist and found a dinodude’s five pound gold crown?  Who would you tell?

Would you work to establish (against all the ridicule that science could bring to bear) that a former culture existed that has never even been hinted at, 150 million years in the past.  Or, you could pop that crown in your pocket and walk away.  (I picked gold because, uniquely, if you dropped a five pound gold crown or golden statue of Johnny Depp’s hair on the ground, unless it was mashed or melted it would still look exactly the same a billion years from now.  Gold doesn’t rust, it doesn’t tarnish.  It’s awesome.)

I’m not saying that there’s been either a coordinated (unlikely) or individual (more likely) decision to hush up findings.  I am saying that no sane paleontologist would mess up his tenure track position at State U to bring up a theory that involved an unknown culture that no other academic has ever even speculated about?  No academic has incentive to do this.

I’m not sure that intelligence is all that important for an evolutionary trait.  My main evidence?  Where is another species that’s intelligent?  That uses tools?  That has language?  Oh, sure, the most likely case is that we would have killed them if we found them, but they don’t seem to exist.

My theory is that intelligence only gets you so far, and will only develop under extreme situations.

What?  Intelligence isn’t important?

Well, it is.  Again, to a point.  The cunning of a wolf.  The keenness of a fox.  The smarts of a squid (squid are smart, and tasty).  But I’m not sure that it helps a lot if any of them can study Nietzsche or Seneca or Shakespeare.  Heck, it would probably be a net survival deficit for a Fox in Socks to Quote Shakespeare on Rocks.

This will (probably) be a future blog post, but there is evidence that, even among humans that the optimum IQ for social and economic performance is somewhere between 115 and no more than 130.  No more than.

So, if a Jurassic reptile from 150,000,000 years ago shows up with an 800 IQ and starts talking?  Feel free to make fun of him.  Meanwhile, here’s that picture of the Oktoberfest girls again:

oktoberfest