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    January 22

    Hand draw your own holographs!

    This paper examines a phenomenon that can cause abrasions in a surface to reproduce holographic images of the object that abraded it:
    http://amasci.com/amateur/hand1.html

    What's really neat is the method they demonstrate, which you can use to carve holographic images into a plastic sheet using nothing more than a compass and a bit of patience!
    January 11

    Junk Debt Collectors

    Yesterday I felt pretty vindicated - I got a call from a collection agency, and made THEM hang up on ME in ten seconds flat!

    I was able to pull this off because I know my rights, and I know their "wrongs".  This particular collection agency, along with a string of others over the last couple of years, are practitioners of "junk debt collection" - these bottom feeders buy up old debts that can no longer legally be collected, at pennies on the dollar, then set out to harass payment from you.  They will call you day after day threatening legal action, threatening your credit, etc, when in fact they have no legal recourse whatsoever because these are debts that are beyond the statutes of limitations both for civil suit and credit reporting.  They will also try to impress upon you that you must make a payment immediately to avoid these dire consequences, and therein lies the trap... they'll take anything, anything at all, as a show of "good faith" to keep them from dropping the hammer on you.... but as soon as you agree to make one thin dime of payment, WHAM!, the debt (including whatever massive interest and penalties they may be claiming for a decade old debt) now becomes a legal obligation that they CAN sue you for!

    In my case, we are talking about a department store credit card that I defaulted on back in 1989 with a few hundred dollars outstanding.  A couple of years later I made an effort to make payments to a collection agency for the debt, but things were tight and I stopped paying them before it was completely payed off.  According to the statute of limitations in the state of California, you cannot be held liable after seven years from the date of last payment or agreement.  I didn't hear about it again till about six months before the statute ran out, but I just avoided them and they went away.

    Until one morning in 2006, when I was woken by a phone call from a very aggressive fellow, who claimed that he had a judicial summons ready to send out to *** Xxxxxxxx St in Spokane Washington, if I was not prepared to send an immediate payment towards my outstanding debt.  I was rather incredulous, and I explained to him that it was beyond statute, at which point he claimed that I had made payments to his office back in 2002.  I hung up on him without bothering to explain that I had not lived in Spokane for over 20 years! (ya, sure you dealt with me in 2002 - maybe he should have looked up the area code we was calling before making that bluff).  For the next two weeks he kept leaving messages on my answering machine, several per day, to the effect of "This message is for Robert Dunlop, regarding a impending legal action, please have him or his attorney contact me immediately".  The first calls were all fire and brimstone, but by the end it was more like "hi... this is so-and-so... calling for robert dunlop....".  He knew he had lost the bluff.

    I thought that was it, until a month later I got a letter from another collection agency, which by the way had inflated the debt to over $9,000, and subsequent calls.  I politely told them where to go, and advised them not to call again unless they wished to face harassment charges, and they didn't call back.  Then the next month, yet another, and another, and that's how it's been since then.  It seems they must trade these debts between each other like trading cards, and as this list shows there are a lot of them out there today: http://www.credit-repair.atomicshops.com/junkdebtbuyers.html.  Give me a few more years, and maybe I'll have told them all off Sarcastic

    January 04

    The value of a life according to the EPA

    On page 38 of http://www.pewclimate.org/docUploads/Market_Consequences-report.pdf there is an interesting bit of information on how bureaucrats at the EPA evaluate the cost vs benefit of potential policies:

    "In assessing the benefits and costs of U.S. environmental policies, EPA uses a value of a statistical life (VSL) saved that is drawn from a survey of the literature on willingness-to-pay for avoiding a premature death or for an additional life-year. The survey covers numerous research efforts with estimates (in year 2000 U.S. dollars) ranging from a low of $1.0 million to a high of $21.7 million. An estimated distribution of these research estimates has an average or mean value of $7.7 million and a standard deviation of $5.1 million. EPA uses this mean value of $7.7 million as the value of a statistical life saved or lost due to the presence or absence of a particular policy."

    So if I'm reading this right, the average person would be willing to spend $7.7 million to extend their life one year, and that this is the basis for determining the cost effectiveness and relative impact of environmental policies?  I hope the EPA never has to save us from a real threat - they could rationalize spending the entire GDP of the U.S. to save 0.4% of its population!

    Maybe I sound callous about this?  What is the value of a human life?  The problem in putting such a number to it, though, is the abuse of power it enables, because it makes no economic sense.  We're talking about a theoretical value man-year of life that would take the average wage earner around 250 years to earn!  How can we as citizens possibly bear the level of financial burden that could potentially find license in such reasoning?