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Thrown Out by the Missus

"When did your missus throw you out?"

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Funny Animal Photos

Paying by Smart Phone

There isn't much doubt that all future purchasing and banking will done with a smart phone. New tech being tested like no pin number or signature payments are just "fill ins" until the final technology is perfected.

An old idea that has fallen by the wayside is having a picture of a card holder on the card itself. Just why this concept was dropped is unknown. The only card now with your photo is your driving licence.

Paying with a finger print is also something thought about, tested but never marketed. Retail at the moment is a mishmash of different methods of payment including the old fashioned cash payment. Older people still like to draw cash from an ATM. They like the idea of having cash on them so they can pay immediately. Immediacy will be even quicker using a smart phone.

Bendigo Bank has developed a system where a phone app generates a random code to finalize a transaction. They have been using such a system in the UK for many years now.

Eventually, a phone held against one's skin will take a measure of blood flowing through. A partial DNA reading will be taken which will verify that the phone owner and bank account holder is indeed the correct person. Much of this is possible with existing technology.

Technology by Ty Buchanan

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Trojans are Beating the Banks

Everyone is spying on everyone else. This is a matter of fact. Life has changed so much since the advent of the computer. Trojans are easy to create and even easier to spread. When you log on to just about any site trojans flood onto your system. Even if you delete them they are immediately put back on your computer again. They do their work as soon as you start work on anything, sending information back to the target source.

PCs, tablets and mobile phones are all vulnerable. New trojans are created daily in their thousands. Some are very damaging. The presence of the Hesperbot banking trojan doubled in two weeks. They spread like "wildfire". Emails commonly contain phishing bugs that look like real banking communications. They are after your username and password so they can empty your bank account.

When you are working on your PC have you ever had a txt file mysteriously open on it own? This could indicate keystroking where what you type is being watched and in many cases a foreign source is controlling your computer. Everything you see on your PC is being seen by another person.

This is a warning - do not save your banking username and password in a txt file in the Documents folder or in a password managing program. Password programs can be cracked and every password you have to all your sites can be accessed. If you cannot remember your password store it on a device that can easily be disconnected from your computer.

We do not know what the future holds. However, a bank login site can be copied exactly and look like the real thing. Do not click a link in an email that seems to be from your bank. You could be taken to the rogue site. Once they have your username and password they will empty it of money in a few minutes.

Internet by Ty Buchanan

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Gene Bank Needed to "Save" Endangered Native Animals

There is no way that Australia can prevent the extinction of some native animal species. Some can be preserved with a national gene bank. Though a seed bank has already been set up to save native flora, nothing is planned for fauna.

Present debate is centered on the loss of the northern and southern gastric brooding frog. If a gene bank had existed the frog would have been preserved. Australia has the worst record of native animals going extinct than anywhere else, not something to be proud of. Over 40 birds and mammals have disappeared since European settlement.

Because government has been slow in allocating resources, private organizations have started gene banks. Indeed Taronga Conservation society Australia has stored genes from 20 native animals. This is far from adequate. Over 2,000 species need preservation.

With the Taronga Conservation Society Australia, the Animal Gene Storage and Resource Centre of Australia at Monash University has a total of 100 endangered species in storage. Funding from the public and enterprise supports these "frozen" storage facilities. Nothing has been added for four years due to lack of resources. Looking the other way is not the solution.

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Conservation by Ty Buchanan

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The Part-time and Casual Culture

Despite the boom times in Australia which has finally peaked, a significant proportion of working Australians do not have permanent full-time positions. This is because both sides of politics have freed-up the hiring contract between employers and employees.

The claim that bank holiday and annual leave pay is included in the casual rate is rubbish. People are hired for a per hour fee. No moneys are set aside for rest day payment. Part-time employees can be called in to work at any time of the day or night.

Even in management the market is distorted. Tests to find the "ideal" personality to do the job have never been tested in the real world. They have been written by university people who teach and must write a certain number of papers for "respected" journals.

Governments are reducing employment in the public sector. When they have to get the work done in future by the private sector the real cost will become apparent. While contractors offering specific skills do well, many are not making a profit. Many private contractors, for example truck drivers, run at a loss. As they work, their debt to the banks increases. Ultimately they may have to sell their homes to clear their debt. Furthermore, they have to take drugs to stay awake because they drive day and night. In effect they are forced to break the law.

Today, production runs are getting shorter. This is due to improved production-line machinery. If the line is run for a few years the world market can be flooded. Restricting production by monopolies becomes a genuine profit maximizing policy.

The future job market looks spasmodic and uncertain. The forced superannuation policy of government will break down as the newly unemployed take early payments from their retirement fund to survive in the present.

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Conservation

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Return on Savings to Fall

Banks are to significantly cut the return on money invested. This is not surprising considering the Reserve Bank of Australia (RBA) is cutting interest rates. As the banks follow the RBA down, which they are not obliged to do, they must cut outgoings on term deposits for example.

Considering banks make 60 per cent of their funds from various savings products, it is no wonder cutting what they pay out is on the horizon. If rates fall much lower people will be drawing out their savings and hiding their "loot" under the bed.

Customers are borrowing less because the bar for loans has been pushed too high. Well, perhaps that is a good thing. Australians were condemned for not saving enough; now they are criticized for not borrowing enough.

With an election date already set the government will push for full RBA flow-ons in the popular media. This does not look good for retirees who rely on money put aside in investments for their retirement. Money is getting cheaper in the wholesale market so fewer deposit options will be offered by the banks.

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Economics