Category: critical thinking

Beware of the Grifters and Scammers

“As important as it is today to protect your personal peace, it is just as important to protect your own money. With the widening economic inequalities and uncertainties in society mixed in with the invasive nature of social media and AI technology, it is easier now more than ever to fall victim to ‘grifting’ or ‘scamming.’”

As important as it is today to protect your personal peace, it is just as important to protect your own money. With the widening economic inequalities and uncertainties in society mixed in with the invasive nature of social media and AI technology, it is easier now more than ever to fall victim to ‘grifting’ or ‘scamming.’

With technology and social media, grifters and scammers can do serious damage almost instantaneously and it is becoming much more widespread each day. You should be on your guard and look to avoid these people at all costs even though in positions of power, influence, or leadership as they are often looking to line their own pockets with money from yours.

Unfortunately, many of us are dealing with the effects of societal factors outside of our own control including financial stress, political polarization, and technological vulnerabilities that make us more susceptible to grifters and scammers. The proliferation of “get-rich quick” scenes are not new in society and have been around for centuries but now it is in your face more than ever. You really must be careful of what you are buying into and to do your due diligence before trusting anyone with your money or credit. Rising living costs, inflationary pressures, and job insecurity all can lead to people falling victim to scams and grifts because of desperation but you need to hold strong against any kind of scheme or falsehood to make your financial situation worse off.

In addition, more than ever, social media influencers, online personalities, and leadership figures are using their followings to proliferate courses, products, ‘coins’, and other services without telling you about the trustworthiness of the product or service as well as more about their background or reputation. There are always some risks involved with financial transactions, but you should be careful with regards to who is selling you, what their background is, do they have an ulterior motive, or are they pressuring you to buy without taking your time to verify what you’re buying first. There are numerous fake investment opportunities, Ponzi schemes, and pump-and-dump stock schemes out there but they have been fueled furthermore by cryptocurrency coins, deepfake technology, and false information given by certain AI tools.

Always look to see if the person your business doing with is trustworthy, their business background, look to see what clients say and verify the reviews are real, what the money-back guarantee is, and be skeptical of any ‘easy money’ scheme, whether online or over the phone or face to face. Grifters will use your fear, anxiety, or general need for money against you and will pressure you to make bad decisions. If someone ever pressures you into something especially regarding your money, you should not trust them or do business with them.

Fact-checking takes time and can be arduous, but you must look at influencers, businessmen and women, and these online financial personalities to see if they can be trusted. Be informed also about ways to protect yourself by studying the latest schemes and bait-and-switch tactics that scammers and grifters are using. AI scams and deepfakes and voice manipulation over the phone is going to become more prominent in the future so you need to stay up to date on the latest trends especially with how many crypto scams, Ponzi schemes, and spam messages are out there. Use your best judgment, trust your gut if something feels off, and make sure your finances are protected with strong online security factors and make sure any passwords or authentication used is changed regularly. Never divulge that information as well to anyone and make sure you don’t give it up to any scammer as well.

Scams, grifting, and financial manipulation tactics are not going away anytime soon so you have to continue to be on your guard especially with modern technology improving upon the sophistication of these schemes. Constant awareness and vigilance is necessary and are your best defenses against the grifters. Protect yourself with verification tactics, avoiding emotional manipulation, financial security protection, and improving your digital literacy as often as possible.

Keep yourself informed about the latest scams, grifts, and ‘get-rich-quick’ schemes out there, think critically about who you trust your money with, and protect yourself and your loved ones from those grifters who profit off other people’s ignorance. These are the steps I take in my life, and I hope you will consider doing the same to avoid the scammers and the grifters, which continue to proliferate in our society.

A Lifetime of Learning

Contrary to popular belief, one’s education does not stop when you finish high school, college, or even graduate school. While formal education is often necessary and useful especially for skilled and professional fields, it is not the end all be all for actual learning. Even if you have been through 12 – 18 years of formal schooling, that doesn’t mean that you should stop learning. If anything, you may have the time, the money, and the ability now to study and learn about subjects that you never had the chance to before. Learning doesn’t stop in your teens or in your 20’s. It’s a lifelong process and you should never want to stop learning.

In a previous article titled, “A Wealth of Knowledge”, I highlighted a number of ways and places where you can continue to learn new things to broaden your horizons and expand your interests. As I mentioned previously, we are currently living in a time where knowledge is seemingly infinite, more affordable, and easier to access than ever. While information, data, and subject matter is limitless in the ways that it can be obtained and analyzed, the ways in which you can stand out as a learner is in how much time you devote to the learning process and how dedicated you are to absorbing this knowledge.

Whether it’s coding, learning a language, or developing financial literacy, the amount of effort you put into it will decide how much you get out of it. Even if you’re just learning a new skill or subject as an interest or hobby, it will help you to stand out from the crowd. If you use part of your free time to develop yourself by learning a new skill or trade, it is guaranteed to help you both personally and professionally. There are also different types of learning so if you happen to decide to revisit subjects you forgot about from high school like algebra, physics or chemistry, you may be doing your brain a favor. If you’re not so much into math and science but enjoy the written word much more, perhaps you would be better suited for strengthening your reading, writing, and editing skills. You may want to start your own blog like I did, or become a freelance editor to make extra money, but you are using your personal interests to further your learning to make yourself well rounded.

Reading a new book each month, learning a language for one hour each day, or doing a daily crossword puzzle takes both discipline and effort. A lifetime of learning is not for everyone because it takes some characteristics that some people aren’t capable of implementing. You have to set goals when you’re learning outside of a university or a class setting. Only you will be accountable for your actions and how far you go when it comes to your outside the box learning experiences. It can be difficult to learn new things when you don’t have a teacher or professor looking over your shoulder but you’ll develop more self-confidence, maturity, and intellectual depth by being able to learn and study on your own.

When it comes to learning by yourself, in addition to no one holding your hand through the process, don’t expect others to recognize the work or effort you put in to it. You should be learning for yourself and not for the approval of other people. If you’re expecting recognition just for reading a lot or creating your first website, the world doesn’t work like that. Being confident in your abilities, proud of your efforts, and seeing the fruits of your labor change the world in some way is the icing on the proverbial cake when it comes to taking the initiative to learn.

To make the excuse that you don’t have time or you’re too old or it’s going to be too hard are not good enough. There’s a popular expression that you never know until you try. How can you know that you’re going to fail if you haven’t even tried yet? Don’t limit yourself based on your educational background as well because you may find that you were bad at mathematics but ended up becoming a great coder when you gave it a shot. If you find that you don’t like what you’re learning or that you’ve made little progress over the period of at least a few months of serious effort and hard work, then it may be a good idea to do something else.

You should always be learning something, especially when it’s something new. Letting your creative and intellectual juices stagnate is not good for either the mind or the body in my opinion. Even if learning new things may become more difficult as you get older, it’s still not impossible and it would be good for your mental dexterity. Do not let pressure from your friends and your family prevent you from learning. If they love and care about you, they’ll support your thirst for knowledge. Reading a book, learning a foreign language, or playing an instrument are activities that we should always be encouraging in people regardless of their age and background.

Learning new skills has many mental benefits especially for the brain. ‘Myelin’, the white matter that makes up a good portion of our cerebral nervous system becomes denser when we learn new skills allowing us to improve our performance when it comes to processing new information. In addition to your brain chemistry seeing a boost, the more you learn, the more neural pathways are formed in the brain allowing the electrical impulses to fire off quicker than ever making it continually easier to learn new things. It’s a positive feedback loop for your brain when you learn on a consistent and unyielding basis.

Existing knowledge that you’ve compiled is also more easily retained because you’ll be making connections between the new information you’re learning and the old information that you remember clearly. Having more knowledge and more learning experiences is proven to make you a more interesting person as well. Being able to discuss a wide variety of books or have a detailed conversation with another person in a foreign language are great ways to form deeper connections with people and to boost your self-esteem.

If you’re bored and don’t have much of a challenge in your life, then try something new! Putting yourself to the test with learning a new skill is perhaps the most rewarding thing you can do in your life. In this hyper-technological age, adapting to change is a key trait that you’ll need to take on in order to succeed both personally and professionally. Adapting to the times often means learning new skills so if you embrace this process, you won’t be as afraid of change and you will be better able to meet those challenges.

As mentioned before, your brain is full of muscles that need to be exercised like any other part of the body. You don’t want one of your most important organs to atrophy and stagnate. A good way to prevent the onset of dementia and Alzheimer’s is to keep learning throughout your life to make those degenerative, painful diseases less of a possibility. Learning is contagious so if you have a friend or a family member who seems bored by life or wanting to pursue something new, give them a few suggestions and see what they do with them. Practicing a new language or joining a book club are examples of ideal social activities that are focused around these new learning experiences. A lifetime of learning can truly do a world of good.

Source: Preventing Alzheimer’s Disease

A Study in Contrasts – the Medellin Metro and the Boston T

I’ve used a lot of different metropolitan transit systems in cities I’ve either visited or lived in. From Istanbul to Berlin to Washington, DC, it’s fascinating to see how different cultures and countries treat their metro systems. Some cities emphasize the ability to eat and drink at established vendors right next to the platform, while others emphasize the ability to know exactly when the next train will be arriving with real-time updates. In a way, these metro systems are a microcosm of a country’s culture. Unbeknownst to most travelers, you can learn a lot about a city and a country as a whole based on how they approach their public transportation. Each metro system I’ve used has had their own kind of flair to them whether it’s the London Underground’s cleanliness, New York Subway’s 24-hour service, and Istanbul’s kind food merchants.

Out of all the metro systems I’ve rode on, there are currently two in the world that stand out to me in their approach to customer service. While most systems rarely have attendants to help people enter or leave the train, the two cities that are the exception to this rule are Boston and Medellin. These two transit systems actually have attendants working on behalf of the transportation authority to help passengers to use the metro effectively but with different approaches. For example, the way Boston does its’ customer service would be more hands-off while in Medellin it is much more hands on.

This difference in culture may play into the fact that the Boston T system has been in operation since 1897 and the locals are pretty adept at navigating the transit system considering its’ more than a century old. When it comes to Medellin, the metro system there began in 1995, which is a little over twenty years old. Medellin currently has the only urban train network in Colombia. Still though, you could draw the conclusion that the way the customer service of these two transit systems functions is reflective of the overall culture. In the U.S., we tend to be more individualistic especially when it comes to our urban transportation. When I lived in Medellin, I was enamored with how collective the metro system was when compared to where I’m currently living. In Boston, it’s much more about every man or woman for himself or herself as they try to navigate the system regardless of whether you’re a long-time local or a first-time visitor.

For Medellin, the aspect of their metro system that stood out most to me was the number of attendants who would help riders enter the train platform, instruct users on how to board and exit the trains, and how to refill and use their metro cards. Instead of just one or two attendants there on behalf of the transportation authority, there were usually up to a dozen workers assisting customers at each station. It was really nice for me to see the attention to detail that the metro system had in terms of assisting passengers to use the system effectively. This approach was crucial especially during a busy rush hour when there would be thousands of passengers wanting to enter and exit the train station.

Having a dedicated group of workers on hand to help smooth things over and make sure passengers were respecting each other and the transit system was a really impressive thing to witness. It doesn’t hurt that the entire Medellin metro system is well kept and has no littering, little rats running around etc. at any of its’ dozens of train stations. Compared to other cities, Medellin does a great job with its’ communal approach to the metro system. One of the catchphrases of their advertising is to ‘Vive La Cultura de Metro’, which basically translates to living the metro culture by respecting others and keeping the system clean.

Other cities could benefit from replicating the effective customer service, the emphasis on cleanliness, and the easy access to information that the Medellin Metro provides. Like any other transit system in a major city, it still does get quite congested during rush hour, and it can be hard to get on the train during peak hours due to lack of trains available. I know this from my own past experiences of having to fight to get on the train at 6 AM some mornings when I was a teacher there.

When it comes to the Boston T system, it’s the oldest in the United States and doesn’t take much time to get acclimated to. However, compared to the New York or Washington, DC transit systems, there is some customer service and assistance given. However, when you compare Boston to Medellin in this regard, it’s really no contest. While there are usually one or two attendants from the transit authority present, they don’t really actively help passengers. Sometimes, you can see a transit worker more interested in a smartphone game than to see if anyone needs help or has a question. Instead of being on the train platform to help riders get on and get off the train without issue, they usually just stand by the entrance to the station making sure everybody pays their fare.

Coming from where I was living in Medellin before I moved to Boston, this was a bit of a culture shock to me. It’s nice to have one or two more customer service attendants around to ask questions but I wish there were more attendants on the platform handling crowd control and enforcing the unwritten rules of getting on or leaving the train especially during rush hour. Also, compared to the dozen workers at any train station platform in Medellin, a city like Boston should have a few more people helping out compared to one or two workers per station.

Perhaps this cultural contrast is due to the fact that metro systems in the United States are much more individualistic in nature and the fact that public transit has been part of cities’ makeup for decades especially in the Northeast. I’m guessing that the majority of Bostonians would prefer to be left alone during the morning and evening commute rather than have hands-on help from transit service officials especially at a station platform. However, it might make everyone’s day a bit better and smoother if there were workers actively helping to assist people to refill their transit cards, making sure the rush hour commute goes smoothly, and aiding travelers to the city with directions.

When you travel to different countries, it is tempting to compare and contrast approaches to daily life. In any city, the transit system is an extension of the culture and I find it interesting to see the similarities and differences between countries in how they run their metro systems. It’s good to see how other cities and other countries do things because you’re able to see within your own culture what could be better or more improved. However, what may suit your own tastes may not suit others as much, even your own countrymen.

Train systems like whole cultures tend to be more individualistic or communal. What one city may lack in efficiency, they can make up for it in customer service. I believe it’s best to shoot for improvement in all areas to create a better travel experience. Having the trains run on time, being treated fairly by attendants, and enjoying clean, safe rides are keys for any metro system to achieve. Hopefully as more and more people travel and see the world, we can better see what ways we can improve our own cities and countries by seeing how others do it themselves.

Book Recommendations – Volume V

Similarly to the months to come during the heart of wintertime, the current summer season is a great chance to catch up on reading new books or books you have yet to finish. Whether you’re at the beach, hanging out in the backyard, or are going on a long road trip, reading a good book is a good way to pass the time.

My last ‘Book Recommendations’ post came in February so it’s time for another volume of recommendations for you to consider when it comes to your next book purchases. While you may not be interested in the same book genres or same authors as myself, I still encourage you to read a book before the end of the summer. Whether it’s through Amazon, your local mom and pop bookstore, or at a book fair, you owe it to yourself to put down the iPhone and pick up a good book instead.

1.) Killing Pablo: The Hunt for the World’s Greatest Outlaw by Mark Bowden (2001) is a non-fiction, and detailed take on the combined efforts by the Colombian and United States governments to bring down the infamous Pablo Escobar, head of the Medellin cartel. Mr. Bowden, known foremost for his take on the Battle of Mogadishu between U.S. special forces and Somali militants in the critically acclaimed novel, Black Hawk Down (1999) is a great journalist with over thirty years of covering recent events involving war, peace, and international affairs.

Mr. Bowden is a reporter and a journalist who does his research when it comes to Killing Pablo, and this book is a real page-turner. The author covers both the early years of Pablo’s empire to his international rise as the #1 drug kingpin in the world to his eventual downfall at the home of Search Bloc and Los Pepes. With many interviews from U.S. and Colombian government officials, as well as a lot of research into the terrible events that transpired in the 1980s and 1990s, Mark Bowden gives a comprehensive account of the manhunt for Pablo Escobar, and how his eventual death came to be.

There is often a lot of speculation and rumors surrounding the Medellin cartel that are unfounded which is why reading ‘Killing Pablo’ is a refreshing take on what really happened and who was involved in the drug kingpin’s demise. This is a great book if you’re interested in learning the true story behind the rise and fall of Pablo Escobar.

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Killing Pablo: The Hunt for The World’s Greatest Outlaw by Mark Bowden

2. Sea Power: The History and Geopolitics of the World’s Oceans by Admiral James Stavridis, USN (Ret.) is an excellent and comprehensive look at each of the world’s major bodies of water, and how they each affect world geopolitics in different ways.

With over thirty years of experience in the United States Navy having commandeered every kind of amphibious vessel that you can think of, Admiral Stavridis has the life experience and intellectual background necessary to make this book quite a compelling read. As the only admiral in the history of NATO to serve as its’ Supreme Allied Commander, Mr. Stavridis is well poised to look at the state of the world through its’ largest and most valuable commodity, the oceans and the seas that make up over 70% of this planet.

If you’re new to geopolitics or don’t know much about the significance of the world’s oceans, Admiral Stavridis breaks down the history, the culture, and the geopolitical importance of each body of water throughout the book. From the Arctic Ocean to the Mediterranean Sea, the author discusses who are the countries involved in the area, what should the role of the United States be, and how can we ensure that this body of water stays conflict free, and friendly to international commerce into the far future.

Since the release of this book in June of 2017, it has risen to the top of many best sellers’ lists and for good reason. In a geopolitical area that doesn’t get much focus, Admiral Stavridis reminds us of the sheer importance of the world’s oceans and seas. In a 21st century world filled with uncertainty and ambiguity, The admiral’s book is a clear-cut, well-reasoned take on the geopolitics of the oceans, and how their collective future is tied to each and every one of us.

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Sea Power: The History and Geopolitics of the World’s Oceans by Admiral James Stavridis, USN (Ret.)

3. The Quiet American by Graham Greene is an exceptional book that is well written, has deep and complex characters, and involves a time period in world history that is often overlooked. The novel takes place during the early 1950s as the French Army is entangled in skirmishes and indirect conflict with the Vietminh. Meanwhile, the new presence of American aid workers including a young economic attaché, Alden Pyle, whose motives for being in French colonial-era Vietnam are considered to be suspect to the narrator, a British journalist named Thomas Fowler. Not only do the two men come into conflict regarding the future of Western influence in Vietnam but they also are at odds in a romantic triangle with a Vietnamese woman known as Phuong.

The two main characters, Fowler and Pyle, could not be more different in their outlook. Fowler is cynical about the West’s involvement in Vietnam, and is jaded by politics and war. Pyle is a young, idealistic, and naïve American who is reserved in his personal manners, but is unafraid to interfere in Vietnamese affairs by acting as a ‘third force’ to help bring change to the country by economic and military means.

Phuong is the young Vietnamese woman who is caught between Fowler and Pyle, as she is desired by both men but for different reasons. While Fowler regards her simply as his lover, Pyle wants to protect her. It is implied in the book that Pyle’s desire for Phuong is reflected in his desire to have a non-communist South Vietnam through any means necessary. Fowler does not go along with Pyle’s thinking and regards his belief in ‘American exceptionalism’ to be shortsighted.

An interesting novel and an engaging read, The Quiet American has become a mainstay in popular fictional literature and has been adapted into two major motion pictures, one in 1958, and more recently in 2002, which starred Michael Caine (Fowler) and Brendan Fraser (Pyle). This fictional novel is based off of real events in the 1950s when French colonial rule in Vietnam was coming to an end.

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The Quiet American by Graham Greene

While reading books during the summer season may seem like a chore to some people, for others, it’s a great time to kick back, relax, and dive into different genres, and characters that offer a refreshing reprieve from the humdrum of our busy lives.

 

The Need for Critical Thinking

Facts are a tricky thing, but the importance and recognition of them is vital in order to consider yourself a critical thinker. In this era of ‘alternative facts’ and opinionated media, it’s necessary to be able to read, analyze, and think about all of the information that you’ve been taking in and figure out for yourself if it’s truthful or nonsense. In this day and age, opinions are easy to find everywhere but what have become harder to find are the cold, hard facts. The famous expression, “take it with a grain of salt” can be applied to you if you want to be a critical thinker.

The first thing you have to do, as a critical thinker is to be able to sort out the facts from the falsehoods. You should be able to use more than one source of information and before you use those sources of information, you need to verify that they are both unbiased and trustworthy. The evidence that you gather for these facts have to be based off of real sources, who have compiled the information and verified its’ authenticity.

For example, if you’re a Chemistry student and you’re trying to do an experiment on making a chemical volcano, would you choose to get the information from an actual scientist who has their PhD and teaches Chemistry at a local university or would you trust the advice of a best friend in your Science class instead?

While it’s desirable to be a good friend and trust them because they would like to help you most likely, it’s likely their advice will pale in comparison to the Chemistry professor with the PhD who wrote a ‘how to’ article on chemical experiments in the latest edition of ‘Science Weekly.’ If you’re a critical thinker, you would choose option #2 100% of the time because you would like to create an experiment that’s going to be the best that it can be and using your friend’s advice won’t get you to that point.

Regardless of what professional or educational field that you decide to pursue, you’re going to need critical thinking. Being inherently skeptical at first of the information you’re receiving is important to do because you need to be able to discern if what you’re reading, watching, listening to, etc. is factual. In your daily life, you’re going to need to identify prejudice, bias, propaganda, etc. that you’re likely to encounter in your daily life. You have to do your best to discern fact from fiction even if it takes some time. You could decide to ingest every bit of information that you see in the news or at the office as being factual but it would benefit you instead to deep a bit digger by doing your research, verify the source(s), bounce it off other pieces of information to see if there’s a pattern, and then decide if it’s factual.

A true critical thinker is not lazy and does not take shortcuts. He or she goes the extra mile to gather the right information, prioritize it to give it credence in your decision-making, and then recognize, solve the problems in order to move on to the next goal. If you’re in a field where you’re working with data on the computer, you have to be able to interpret it, evaluate it, and then use it for your business or company’s needs. By being able to communicate effectively and clearly is also a necessity when it comes to being able to take those fresh facts you’ve verified and then pass it on to the next person so they know that they’re not being misled by you.

As a critical thinker, it’s also necessary to disregard generalizations made about complex topics, which require in-depth research and analysis. Instead, critical thinking also necessitates the ability to draw conclusions from the evidence and the facts that you have gathered. Then, you have to be able to pass those conclusions on to the right people so they know what’s true and what’s false.

Conclusions that you’ve made in the past can sometimes change in the present or in the future so it’s vital to not be stubborn about your beliefs. Critical thinking requires that you also be flexible in your beliefs especially if you’re able to take in new evidence, and logic. A man or a woman who does not change their views on anything despite overwhelming evidence to the contrary cannot consider himself or herself to be a true critical thinker. While it can be difficult to let go of your innate biases and prejudices, you still should be open-minded and be able to accept the truth and the facts even if they contradict with yours.

If your mother, someone who you loved and respected, happened to have told you one day that the sky was the color red instead of blue, would you accept her statement at face value or would you go outside of the house to check, verify her statement to see if it was true or false? If you are not a critical thinker and a great son, you would choose option #1 and believe that statement without actually checking to see if it’s true. If you are a critical thinker but still a good son, you would choose option #2 and tell your mother later that the sky is actually blue because you went outside to see its’ color for yourself. Even if your mom might be offended by your conclusion, she would still love and respect you for being a critical thinker as is necessary.

To put it bluntly, there are a lot of people out there in different industries that are not critical thinkers and they’re hoping the same about you. I don’t want to name names but you’re likely to encounter them in your neighborhood, your city, and your city. However, if you’re able to develop the right personal habits and characteristics, you’ll be able to set yourself apart as a real critical thinker rather than just a person who believes what he hears, reads, or listens to all of the time regardless of the source it’s coming from.

Those habits involve being a problem solver, an evidence gatherer, a decision maker, a rational thinker, being able to reason with others, and an inquisitive learner above all else. While critical thinking isn’t mandatory in life, you’ll still go a lot further and succeed more when you put those skills and habits to use when compared to those who don’t. If you’re an open-minded, intelligent, mature, and inquisitive person, you’ll turn out to be a good critical thinker and a positive example for others to follow.