Time to sign petition for a public insurer option

Ground zero in the health care wars is whether there will be the option of a quasi-governmental insurer with national rates and a large risk pool.

I believe this entity could provide good-enough care that most people would bitterly resent.

Therefore I'm strongly in favor of exploring this option.

If you agree, join me in signing Howard Dean's petition ...

Howard Dean Pushes Public Health-Insurance Option - Health Blog - WSJ

... Through StandWithDrDean.com, the group is collecting signatures for a petition that pushes the idea of patients having the choice of “either a universally available public health-care option like Medicare” — an idea that Obama supported during his presidential campaign but that industry is resisting — “or for-profit private insurance.”...

Google's mobile app search recognition is working ...

Five months ago this was a toy...

Official Google Mobile Blog: Google Mobile App for iPhone now with Voice Search and My Location

... The new Google Mobile App for iPhone makes it possible for you to do a Google web search using only your voice. Just hold the phone to your ear, wait for the beep, and say what you're looking for. That's it. Just talk. Once the App is on, you don't have to push any buttons to search....

Now, it works -- at least in a quiet room.

I have the Google app configured so kb entry is the default. That gives me more control over the voice app initiation. I hold the phone about 8 inches in front of me -- not against my face.

With this approach, in a quiet room, the results are quite good. Good enough that the speech driven search UI is now an improvement over typing in the query.

Submit your Google Data Liberation requests

Google Data Liberation Suggestions - Google Moderator is open for requests.

Let the noble liberation front know what Google data and metadata you'd like to be able to import and export.

My choice - Picasa album transfer.

Leading indicators - Harvard's finance grads

Wow.

Frank Rich - Awake and Sing! - NYTimes.com

...The Harvard Crimson reported that in the class of 2007, 58 percent of the men and 43 percent of the women entering the work force took jobs in the finance and consulting industries...

Maybe we should be tracking where Harvard grads go. Whenever something exceeds 40% of the graduates we go to yellow alert, and when it hits 50% of the men we go to red alert ...

Google's confusing social graph strategy: Google reader friends via Google Chat

I can easily share my Google Reader shared items by publishing the Reader generated web page or Reader generated feed, but it's been very unclear to me how Google decides that someone is a "Friend" who's shared items I can see.

I think that's partly because Google has been flailing about trying to figure out what they mean by this (versus, for example, the "follower" feature in Blogger). Google's social graph strategy is a ruddy mess, but of course we knew that when they dumped their original Google profile shared items.

Looks like the latest incarnation is leveraging Google's new core products: Gmail, Google video chat, and Google Voice/SMS services:

Managing Friends via Gmail Chat or Google Talk - Google Reader Help

... To add a friend to Reader, you must invite them to chat with you in Gmail or Google Talk. Once your friend accepts the chat invitation, you will become friends in Reader. If you invite a friend who doesn't use Gmail or Google Talk, an invitation will be sent to your friend to sign up. Here's how to invite someone to chat with you...

I don't think it's going to work. The set of people I chat with is not the same set as those I want to follow via Google Reader shared items, nor the set I want to have on my "Friend Shared" list.

There will be more iterations and confusion to come ...

Update: There's also something buggy going on. Jacob R is seeing my shares, we have a chat relationship, but I'm not seeing his shares. I added his share stream as a distinct feed for now. (See below, turns out when Google switched to their even more befuddled social strategy I wasn't in Jacob's "Friends" group, so his sharing feed went away. He added me in and it reappeared.)

Update: Wow, this is really screwy. Google has things set up so you do the feed stream share thingie with ONE of (not both of)

• Your chat contacts
• "Friends" as defined by Gmail - "Friends, Family, and Coworkers are groups to help you organize your contacts. You can move contacts in and out of these groups at any time. Various Google products let you share information with people in these groups.
  In addition, you can create a Google profile to help people in these groups keep in touch with you. They will be able to easily find your profile from various Google products."

In both cases of course the Chat contact or Gmail Friend must have as an email address the Gmail address associated with their Google Reader shares. (BTW, just imagine what happens when you try to synchronize the Graph of persons who are members of one or more of Friends, Famiily and Coworkers with, say, your iPhone Contacts.)

If you understood all of that you need to drink more.

Train wreck.

Confessions of a real estate agent | Salon Life

Great story: Pinched: Confessions of a real estate agent | Salon Life.

It was one hell of a ride in a hot real estate market.

Cutting your communication costs

Our monthly communications bill, including landline, mobile and net, is a good percentage of our food or mortgage bills.

Pretty impressive, unfortunately. I'm constantly looking for ways to drop the cost. The main things we've done and not done are:

• We don't do SMS. That saves us about $35 a month, even after we pay the fees for the messages we do get.
• I signed up for an AT&T Canadian calling plan to reduce the costs of the frequent mobile phone calls I make to aged parents. That saved some money, but then ...
• I started using Google GrandCentral (now Google Voice) to call Canada. That has saved about $1,000 a year (!)
• We do Netflix rather than cable TV. That saves us about $25/month and is a much better experience (save that Netflix has too many broken DVDs for children).
• Rather than pay $10/month to add a phone to the family plan, we signed up for a T-Mobile pay-go plan. Estimated savings of $80 a year, so it may not have been worth the hassle.
• We do pay for a higher quality/performance ISDN service, but that's been worth it in terms of reliability.
• When iPhone 3.0 comes out with Push support for instant messaging, we'll use that and see if our phone minutes drop enough to justify switching to AT&T's smallest iPhone family plan.
• We dropped long distance services from our landline -- it's local only. We haven't dropped our landline yet and, with 3 kids without mobile phones, we probably won't. However when Google Voice comes out for everyone each child and my wife will get GV numbers.
• We get a 15% discount on our AT&T mobile services through John's employer
• Rather than pay for fax line we use maxemail, a pay-as-you go fax send and receive service. They're bare bones primitive, but excellent service, low cost, and much more reliable than even high end office fax machines. We scan documents to the server from our ancient brother printer and then upload. (It's a safe market niche btw, Google is never going to get into something as messy as fax receipt and fax seems eternal.)

All in all we've hacked off about $2,000 a year. Today's NYT suggests some other options, though many don't apply to us. Some of the best tips come when you're dissatisfied enough about your current pricing to consider switching services (or willing to bluff). I'm going to take a look at the cable alternatives to my current ISP and decide if I want to threaten a switch. 

Basics - How to Cut the Beastly Cost of Digital Services - NYTimes.com

... Cable, satellite and telephone companies can only be overjoyed that millions of their customers take no action to lower their bills, and instead routinely pay much too much for overpriced plans they purchased a decade ago.

Faced with increased competition, they will gladly tell you about better package prices if you ask, but they won’t be calling you up to tell you how you can save money.

Pull out your bills and then call all your providers. Tell them you’re paying too much and you want to lower your bill. They can only say no.

IF THEY SAY NO, THREATEN TO SWITCH ...

... The regular customer service representative won’t be as empowered as someone in the cancellation department to cut you a better deal.

“We will work with our customers to find a package that suits them,” said Bill Kula, a Verizon spokesman.

At their discretion, Verizon sales reps can cut the price of DSL service, offer free months of Internet access, increase the discount on voice service or give a $50 American Express gift card to customers returning to Verizon’s television service.

AT&T gives its employees similar powers to make deals. Reps are known to offer enhanced services for a basic price, and to lower the cost of one service to its bundled price even if you’re not buying the bundle. “If it’s a matter of keeping the customer, we’ll do the best we can,” said Fletcher Cook, an AT&T spokesman.

... AT&T, for example, offers local and unlimited long distance for $40.

That price drops to $35 if you also get wireless (but you must tell the company to combine your bills). A $99 package includes unlimited landline service, a DSL connection and wireless service for $10 less than those services would cost if priced separately. The company will also pay new customers $100 to sign up.

ASK FOR CORPORATE DISCOUNTS Many corporations have discounts with the major wireless phone carriers. Bring your corporate business card to a wireless carrier’s store or check your company’s intranet site for particulars. Depending on the company, you can typically knock $10 off the monthly cost for a smartphone’s voice and data plans.

Identity theft on social networks - nobody is who they say they are

Just the start - Schneier on Security: Social Networking Identity Theft Scams. It's well worth reading, not so much because of the details of the attack but because it's a marker for a new front in 21st century fraud.

I know it seems like a private obsession, but please trust me on this one. In forty years this will be seen as the golden age of fraud - enabled by new escalations in complexity powered by computation and communication technology.

I'm sure there are analogies in the history of clay tablets, papyrus, paper, printing, the telegraph and so on.

Fraud and deception are as old as biology -- in fact they may define what it means to be alive. Almost certainly deception detection and response have powered the evolution of the nervous system over the last billion years or so, and the evolution of sentience over the last few thousand years.

Interesting times.

Oath Keepers - the dank smell of fear on the right

From Charles Blow's hate mail I followed a reference to a web site in the old tradition of the John Birch society and the KKK.

It targets veterans who are frightened (emphases mine) ...

Oath Keepers

.... the 'enemy' is a shadow ... one that neither knows or respects geographical or political boundaries, one who flies no flag nor wears a uniform, and is one who hides in the dark behind front-men and paid puppets with important titles. What could define a “terrorist” more clearly?

We are told that our "enemies" are in caves in the middle east, or they are behind every corner here at home. None of whom ever seem to surface!

Those “enemies” who have surfaced, however, are clearly visible if our eyes are open.

Our real enemies are in the news each day posing as those who are our betters and saviors (according to them.) ...

Ok, not much doubt about who they're talking about. Presumably the secret service keeps tabs on these guys.

The list of things they won't do illuminates the breadth and depth of their fear ...

1. We will NOT obey orders to disarm the American people.
...
4. We will NOT obey orders to impose martial law or a “state of emergency” on a state.
...
6. We will NOT obey any order to blockade American cities, thus turning them into giant concentration camps.
7. We will NOT obey any order to force American citizens into any form of detention camps under any pretext.
8. We will NOT obey orders to assist or support the use of any foreign troops on U.S. soil against the American people to “keep the peace” or to “maintain control.”
9. We will NOT obey any orders to confiscate the property of the American people, including food and other essential supplies.
10.We will NOT obey any orders which infringe on the right of the people to free speech, to peaceably assemble, and to petition their government for a redress of grievances.

So they're afraid of a 1984 movie scenario?

The Oath Keepers may be a retread of the Birchers and the Klan, but we have reasons to treat them as a warning sign. These people were angry and dangerous during the Clinton years when times were good, so imagine what they're like now.

We need to think of ways to diminish their fear.

Update 4/14/09: The Department of Homeland Security has profiled the resurrection of right wing terrorist groups. Gingrich and other GOP extremists are deeply offended that right wing whackos are considered dangerous.

If the Segway hype had come true

Back in the days of the net bubble, which may turn out to have been just a hint of things to come, the Segway rolled in on a carpet of hype.

I was never sure how many of those tech CEOs were serious, and how many just wanted a distraction from impending doom.

The reality was more modest, but if you remember the original you'll enjoy the Onion's retrospective: In The Know: Do You Remember Life Before The Segway?

I've been on one by the way. I enjoyed it, but I much prefer my bicycle.

Microsoft's holds Netbook ground - at a cost

I've been predicting that the Netbook would be very bad news for Microsoft. So what should one make of this story ...

Microsoft: 96% Of Netbooks Run Windows -- InformationWeek:

'It's hard to believe it's been a year since we first started to see netbook PCs running Windows come to market,' said Brandon LeBlanc, Microsoft's in-house Windows blogger, in a post Friday.

Citing figures from market research firm NPD, LeBlanc said Windows' share of the U.S. netbook market has ballooned from less than 10% in the first half of 2008 to 96% as of February. 'The growth of Windows on netbook PCs over the last year has been phenomenal,' wrote LeBlanc. NPD defines netbooks as devices that feature a screen that is 10.2 inches or smaller and sell for less than $500."

Should I admit defeat?

Hah! The key is the $500 pricepoint (BTW, the NYT claims the penetration is closer to 80% for XP). The NYTimes tells us that Microsoft is now charging $25 for XP, or about 5% of the unit cost (vs $73 for Vista). For that amount XP is a bargain, and it makes sense that Microsoft would take the market.

$500 is not the price point where things get interesting. That price point is $150 and below, at which point a $25 OS would be 16% of the unit cost.

Microsoft can still compete, by lowering the cost of XP or Windows 7 Lite to $15 a copy or less. The problem is they won't be making much money that far down, so they're going to have to build other companion businesses even as they pretty much give away their OS.

Not good news for revenues, but things could get nastier if the truly low end machines can't run XP or Windows 7 ...

Thin and Inexpensive Netbooks Affect PC Industry - NYTimes.com

The industry is buzzing this week about these devices at a telecommunications conference in Las Vegas, and consumers will see the first machines on shelves as early as June, probably from the netbook pioneers Acer and Asustek.

“The era of a perfect Internet computer for $99 is coming this year,” said Jen-Hsun Huang, the chief executive of Nvidia, a maker of PC graphics chips that is trying to adapt to the new technological order. “The primary computer that we know of today is the basic PC, and it’s dying to be reinvented.”...

... “A broad shift in the consumer market toward low-cost PCs would clearly put pressure on the revenues of nearly every player in the value chain, from component suppliers to retailers,” wrote A. M. Sacconaghi, a securities analyst with Sanford C. Bernstein & Company, in a report last month. “However, we believe the impact would be especially negative for Intel and Microsoft, who today enjoy near monopoly positions in their respective markets.”

... Some of the devices feel more like toys or overgrown phones than full-featured computers. Still, they are the big success story in the PC industry, with sales predicted to double this year, even as overall PC sales fall 12 percent, according to the research firm Gartner. By the end of 2009, netbooks could account for close to 10 percent of the PC market, an astonishing rise in a short span.

Netbooks have trouble running demanding software like games and photo-editing programs. They cater instead to people who spend most of their time dealing with online services and want a cheap, light device they can use on the go. Most of the netbooks sold today run on an Intel chip called Atom, which is a lower-cost, lower-power version of the company’s standard laptop chips. And about 80 percent of netbooks run Windows XP, the older version of Microsoft’s flagship software.

The new breed of netbooks, built on cellphone innards, threatens to disrupt that oligopoly.

Based on an architecture called ARM, from ARM Holdings in Britain, cellphone chips consume far less power than Atom chips, and they combine many functions onto a single piece of silicon. At around $20, they cost computer makers less than an Atom chip with its associated components.

But the ARM chips come with a severe trade-off — they cannot run the major versions of Windows or its popular complementary software.

Netbook makers have turned to Linux, an open-source operating system that costs $3 instead of the $25 that Microsoft typically charges for Windows XP. They are also exploring the possibility of using the Android operating system from Google, originally designed for cellphones....

... Mr. Burchers said a number of companies already making netbooks would show a new round of machines using cellphone chips at the Computex trade show in Taipei, Taiwan, this June.

Qualcomm, the San Diego company that built an empire on chips for cellphones, recently introduced Snapdragon, a chip created for smartphones and ultralight computers. Already, the company has announced deals to sell the chip to 15 major device manufacturers, including LG, Acer, Samsung and Asustek. Qualcomm said some Snapdragon devices appearing this year would have screens of 10 to 12 inches.

.... In its last quarter, Microsoft posted the first sales decline in its history for the PC version of Windows. It blamed netbooks for the drop. On average, Microsoft charges computer makers $73 for Windows Vista, the version of Windows used in desktop and high-powered laptop PCs...

One caveat. When Mr. Huang talks about $99 Internet computers this year he's dissembling. He's referring to machines that cost $99 when purchases with a two year data services contract. In other words, they're real cost is $300 or so -- not yet revolutionary.

The revolution comes when the real price of the netbook hits $150. That will come when the GoogleBook powered by Android and pre-loaded with Google software is sold in a Target near you in 2010.

That's when Microsoft shareholders will really feel the Netbook pain.

Update 4/10/09: Interesting footnote - Microsoft protects their laptop market by restricting Netbooks using XP to only 1GB of memory.

Microsoft security: Adobe is the problem

Adobe Flash is buggy and ubiquitous, and Adobe's PDF product also has plenty of issues. On the other hand Microsoft invests heavily in security, and Vista is much more secure than XP.

So it's not surprising Microsoft's biggest headaches come from Adobe ...

MS blames non-Redmond apps for security woes • The Register

... Which flaws feature in attacks, and their severity, are a much better guide to risk than simply counting the number of vulnerabilities. Microsoft-related problems were held responsible for six of the top 10 browser-based vulnerabilities attacked on machines running Windows XP in the second half of 2008, compared to none on PCs running Windows Vista. The most attacked vulnerabilities involved a flaw in Windows graphics rendering engine (MS06-01) and a RealPlayer console vulnerability. An Adobe Flash vulnerability was the single most common way of attacking Vista machines, with the RealPlayer console flaw cropping up at number three...

... evidence from Microsoft suggests that Vista is more resistant to malware. The infection rate of Windows Vista SP1 is 60.6 percent less than that of Windows XP SP3, the software giant reports....

Does the 60% number adjust for OS prevalence?

Flash is a problem for OS X too, but in practice crooks don't bother with OS X. It's the old story. When being chased by a bear, you don't have to outrun the bear. You just have to outrun your friend.

With IE 8 and Vista/Windows 7 new Windows boxes will be much more secure - if Flash is out of the picture. Now if Microsoft can just kill Adobe ...

PS. The problems with Flash security are another reason we don't want Adobe writing a Flash client for the iPhone.

AT&T is a partner to phone scams that target the vulnerable elderly

Just because we’re sorting through the wreckage of cosmic financial frauds doesn’t mean the everyday kind has taken a vacation.

Eleven years ago “Webtel” and “Netfill” were two billing entities used in one of the first worldwide large scale small transaction credit card scams. It’s worth noting that the secret of that con was the crooks created a legitimate bank, and used banking authority to pilfer credit card numbers.

The old scam has a companion set of scams that run against phone customers. Once phone companies moved into the financial transaction business, they’re also got in bed with the lice that prey on the elderly (probably using the dial-a-victim services sold by Wachovia Bank and Info-USA). Like MasterCard and Visa, AT&T, of course, makes its dime whether the transaction is legit or criminal.

These phone service scams are known as “cramming”, and the FCC has a resource on how to respond.

In this case two of my elderly relatives are victims of a company that calls itself “OAN Services”. They're not the only victims …

• http://www.complaintsboard.com/complaints/oan-services-c926.html
• http://classactionconnect.com/consumer-complaints/oan-services-telephone-complaints-unauthorized-phone-charges/
• http://www.ripoffreport.com/reports/0/292/RipOff0292620.htm
• http://www.scambusters.org/phone-number-scams.html

My vigilant aunt noticed a $14.95/month “OAN Services” charge appearing on her AT&T residential phone bill. She was told it was requested by “John Beale on the internet” (unknown to my relatives).

At the same time she found a charge for “Enhanced Services Billing Inc”, also for $14.95. That was supposedly requested by my non-computer-using uncle via email.

Enhanced Services Billing has its share of victims:

• Enhanced Services Billing Scam, rip-off with AT&T San Antonio Texas
• AT&T Enhanced Billing services scam
• ESBI a/k/a Enhanced Services Billing, Inc. | BSG Billing Services Group | Telephone Bill Complaints | Unauthorized Residential Phone Charges?
• ESBI running scams in 2005 (with identifying information)
• ESBI Residential email fraud (2007)
  

AT&T was no help. They claim they're not responsible for these charges, and my aunt should deal with them herself. It’s the same response they give every victim of these scams.

The 2005 ESBI report has the most details on one front of this operation. From that we learn ..

… Enhanced Services Billing, Inc. (“ESBI” or “Company”), a Delaware corporation, whose principal address and telephone number are 7411 John Smith Drive, Suite 200, San Antonio, Texas 78229-4898, (210) 949-7000…

… Enhanced Services Billing, Inc., 10500 Heritage Blvd Ste 200, San Antonio, TX 78216-3631, (210) 949-7000

… this site [jf: FCC cramming page] about cramming to be helpful. It even led me to this pdf file here. While I was there, I could read all about Enhanced Services Billing Inc, and the settlement agreement they signed. More specifically, I might note that it was a "Stipulated Final Judgment and Order For Permanent Injunction and Other Equitable Relief." This enjoins the defendants (including Enhanced Services Billing Inc.) from "violating Section 5 of the FTC Act, 15 U.S.C. … 45(a)." Where all the relevant parties have signed, I can see that a man named Joseph W. Webb, at the "John Smith" address above, is the president of the company. The agreement was likely signed by him either May 9th or May 10th of 2001, a date which also seems to fit with the "John Smith" address. You'll see his signature on Page 34 of the pdf. So thanks, FTC, I feel my tax dollars were put to good use.

The FTC comes through again with this article, also from 2001, about how the scam works. Turns out Enhanced Services Billing Inc is a billing aggregator. I'll let the FTC tell you what that is:

ESBI and BCI each served as "billing aggregators." Billing aggregators open the gate to the telephone billing and collection system for vendors, and act as intermediaries between the vendors and the local phone companies, contracting with the local phone companies to have charges on behalf of their client vendors placed on consumers' telephone bills and to have the local telephone companies collect those charges from consumers. Once the charges are collected by the phone companies, the billing aggregators, after taking their fee, pass the revenues back to their client vendors.

Referencing the pdf noted above, to which Enhanced Services Billing Inc stipulated, the FTC asserts the following:

-that ESBI falsely represented that consumers were legally obligated to pay charges on their telephone bills for web sites and other items they had not ordered or authorized others to order for them;

-that ESBI unfairly attempted to collect - or arranged for local phone companies to collect - payment of charges from consumers for web sites and other items they had not ordered and that consumers were unable to prevent ESBI from causing such unauthorized charges to appear on their phone bills;

… Just ask Dr. Leonard Saltzman, whose eight year odyssey against Enhanced Services Billing Inc ended with an October 2005 settlement agreement from the company. To summarize, the fraudulent billings began in 1997. Enhanced Services Billing Inc got a claim for restitution dropped in August 2000. In October 2001, summary judgment was granted in favor of the company, because "knowingly receiving benefits from someone else's fraud was not covered under section 2 of the Consumer Fraud Act." Dr Saltzman appealed, leading to a reversal in June 2004. A fairness hearing for the proposed settlement was held on October 21, 2005.

So this company has been running these scams for 12 years.
12 years.

If you Google on the number “210-949-7000” you find it was also used by “Billing Concepts, Inc” located at “John Smith drive” (recall that the summary judgment above was signed by “John Smith”, a search on “ABRY Partners” and “fraud” is illuminating. I also suggest a search on “Parris Holmes” and “Fraud” which reveals a 1996 SEC civil action against him.

Address:
7411 John Smith Drive, Suite 200
San Antonio, Texas 78229-4898
Telephone: (210) 949-7000
Fax: (210) 696-0270
http://www.billingconcepts.com

Wholly Owned Subsidiary of ABRY Partners LLC
Incorporated: 1985 as U.S. Long Distance Corporation
Employees: 115
Sales: $10 million (2004 est.)
… Utilizing state-of-the-art systems technology, Billing Concepts built a platform enabling the future of billing, clearing and settlement services including authentication and authorization, mediation, invoicing, collection and settlements. Billing Concepts, Inc. (BCI) offers outsourced billing solutions through a wide range of proprietary LEC processing products and wireless Internet clearing and settlement services.
Key Dates:
1985: U.S. Long Distance Corporation founded; Billing Concepts is a subsidiary.
1988: Billing Concepts Corporation is launched as separate company.
1998: Company acquires CommSoft.
1999: Company spins off three divisions as Aptis.
2000: Company acquired by Platinum Equity Holdings; becomes Billing Concepts, Inc.
2003: ABRY Partners acquires company.
2004: Company is merged with ACI Billing Services, Inc., under the ABRY umbrella.
… Billing Concepts, Inc. (BCI) bills itself as the "authentic, proven, trusted" billing clearinghouse for the telecommunications industry. Together with ACI Billing Services Inc., Billing Concepts forms the Billing Services Group of parent ABRY Partners LLC, providing a comprehensive billing system that collects long distance charges from telephone users on behalf of more than 1,300 local telephone companies.
The company also provides these services to wireless carriers and Internet Service Providers (ISPs). One of the fastest growing and most profitable companies of its kind in the late 1990s, Billing Concepts was streamlined and restructured in the early 2000s when its software businesses were divested and the billing operations and company moniker were acquired by the investment firm of ABRY Partners.
While the telecommunications industry was taking shape, in 1985 Parris H. Holmes, Jr., invested $50,000 to start a small pay-phone business in his Houston garage…
… From 1993 to 1995 the company offered enhanced clearinghouse billing and information management services to other businesses, including providers of telecommunications equipment and information, as well as other providers of nonregulated communication services and products (for example, 900 access pay-per-call transactions, cellular long distance services, paging services, voicemail services, and equipment for Caller ID and other telecommunications applications). The billing of nonregulated telecommunication products and services became a significant factor in the successful evolution of USLD's business. Revenues grew steadily reaching $33.16 million in 1992, $46.46 million in 1993, $57.75 million in 1994, and $80.85 million in 1995.
… Holmes remained Chairman/CEO of USLD until June 1997. "I felt like the separation process had been completed," said Holmes in a December 1997 interview with Diane Mayoros in the Wall Street Corporate Reporter. "It was a natural progression to move on to focus my time and energy" as chairman and CEO of Billing Concepts Corporation…
.. On January 30, 1998, BCC distributed a one-for-one stock dividend to its shareholders of record. During the third quarter, actions by the FCC and the Regional Bell Operating Companies on "slamming and cramming" issues led to a temporary interruption in the revenue growth of BCC's business…
… BCI remained the leading force in LEC billing. In August 2004, BCI integrated traffic from its sister company, ACI Billing Services, to a common platform. The result meant that the two companies were capturing about 85 percent of the LEC billing market…

Of course AT&T gets revenue from these companies. They’re not incented to shut them down, and they don’t have the corporate spine to resist. AT&T doesn’t have to actually break the law, they can just sit back and let small fry do their dirty work.

Between SMS spam marketing and rebate scams and this foul business AT&T is very much in the spirit of our age.

Which brings us back to the Depression of 2009, and my 128 posts on fraud.

We have far too much fraud in our world. Big fraud, small fraud and every size between. We know we can’t eliminate fraud – it’s as old as biology! We can’t eliminate it, but somehow, some way, we have to beat it back.

It’s out of control.

Update: Based on what my aunt told me and this article I think one scam may work like this ...

• Crooks set up a web site that offers "free" shopping coupons in return for signing up with the service by providing a phone number
  
• Other crooks (accomplices and freelancers) sign up for the (worthless) coupons and provide a legitimate phone number (in this case, my relatives) and information including fraudulent email addresses, etc.
• The charges appear on phone bills.
• If the fraud is not detected, ESBI and other accomplices pocket the money.

It also appears from comments on the 2007 post that you can request a "password" on your AT&T account that will prevent anonymous cramming.

Update 4/10/09: Dustbury.com reveals an important detail; when calling the semi-legit crooks processing the transactions created by other crooks/accomplices and demanding a refund for fraudulent purchases, you request a confirmation number that you then provide to AT&T. AT&T will then recommend filing a police report of identity theft.

Again, AT&T is the corporation we should be going after. They have the power to change this scam.

Update 5/30/09: My aunt has sent on some f/u notes, which I've attached as comments to this post under my name. AT&T continues to point their finger at the FCC.

I'm guessing that's a convenient out for them. I'd be much more impressed if they'd actually lobbied one of their pet Senators to change the law. If they haven't done that they're complicit.

AT&T simply discards any complaint letters they received, so I recommend letters to your state District Attorney and to your state Senator and/or Representative. I also recommend switching away from AT&T if you can. Maybe if Verizon gets the iPhone...

AT&T also tells my aunt that the third party blocks have no effect and they don't are about confirmation numbers provided by the crammers.

Meanwhile the 2007 My Little Corner post continues to receive comments.

What we really need is for a US Senator to start getting cramming charges through AT&T. That tends to get some action...

The Obama difference

It's good to have a leader who's not universally despised ...

Op-Ed Contributor - No Hurt Feelings in Germany - NYTimes.com 

... I can’t remember ever seeing Angela Merkel smile at anyone the way she smiled at him in the photographs from the dinner at 10 Downing Street. Likewise, the images coming out of Baden-Baden on Friday evening make clear that whether she and the president are reviewing the parade together, meeting selected citizens or fielding questions from the press, the chancellor, too, has come down with an unequivocal case of Obama fever...

What stands between us and GD II

If not for what we've learned, we'd now be reliving the Great Depression ...

It’s 1930 time - Paul Krugman Blog - NYTimes.com

.... What Eichengreen-O’Rourke show, it seems to me, is that knowledge is the only thing standing between us and Great Depression 2.0. It’s only to the extent that we understand these things a bit better than our grandfathers — and that we act on that knowledge — that we have any real reason to think this time will be better...

Except it would much worse today. The world population in 1930 was 2 billion, now we're about 6.8 billion. Our resources are more depleted, we're more dependent on agricultural trade. The cost of Havoc, of weapons of mass destruction, is far lower than in 1930.

We're not smarter than the leadership of 1930. We have the advantage of their mistakes, and the fortune that the GOP is out of power.