personal security audit cover image

Getting Hacked and Getting Hard

CLEARANCE SALE! VANS SHOES CHEAP! I was as surprised as anyone to hear that I’d pivoted from blogging to hawking knock-off footwear on Facebook. After pulling down the scam posts and changing my password, I checked my activity log. At least three interlopers had somehow managed to access my account, one of them several years ago. Creepy, but unimaginative: they didn’t lock me out, or steal my identity, or use my password to access other sites. As far as I know, my nudes are still between me and Zuckerberg.

Then there was the second incident: I changed my Google password, immediately forgot it, and couldn’t get back in. I filled in the account recovery forms over and over, and sat there silently panicking as each robotic form rejection destroyed a tiny piece of my soul. There was no way to get in touch with a human being. With one moment of carelessness, I was sure I’d lost all my work, and years of treasured memories.

On both occasions I got lucky: it could have been much, much worse. Screwing up for a third time was probably tempting fate, so I decided it was time to actually sit down and sort out my online security…

Inevitable Coronavirus Post

The truly horrifying part of becoming an adult is the realisation that other adults don’t know what they’re doing. Remember the feeling of falling asleep in the back seat while your parents drove you home? You will never, ever experience that level of security again. Growing up is the constant disappointment in discovering that no-one is infallible: not your parents, not your teachers, not your personal heroes, certainly not your politicians.

It’s dangerous to rely on the judgement of ‘grown-ups’, or to wait until someone gives you permission to act. Sometimes you have to take the initiative, even if it means doing slightly goofy stuff…

the optionality approach to getting lucky: dead ends, treasure chests, and bottomless pits

The Optionality Approach to Getting Lucky

We’ve established that there is no such thing as cosmic justice: it rains on the just and the unjust alike. But over the course of a lifetime, we at least vaguely shuffle in the direction of getting what we deserve. The goal of this post is to get us from ‘vague shuffling’ to ‘slightly-more-purposeful ambling’.

If you want to get lucky, the usual advice is that you have to be prepared, and then wait for opportunities. This is not very helpful.

Instead of wandering aimlessly and hoping for the best, we can use a simple framework to figure out which opportunities are worth pursuing.

This is the filter I run over pretty much every decision these days. It’s called the optionality approach…

stockmarket charts: how safe are index funds, anyway?

Beware of Geeks Bearing Formulas

The history of finance is a history of brains dashed on the pavement. The fact that many people tend to be ‘irrationally’ wary of the markets starts to take on a new significance: the suspicious folk-wisdom has often been correct, while the ‘experts’ have consistently been dangerously wrong.

Hence Warren Buffett’s warning: beware of geeks bearing formulas…