Supreme Court declares debt buyers immune to FDCPA
In all the years I’ve been writing on debt and debt collections in the United States, I and everyone else who has written on the topic has had the same pr...
Author: Kenneth Ballard
Nuance, meritocracy, and the upper 20%
If there’s one adage in life that has proven itself true numerous times it’s this: you might get rich through luck, but you won’t stay rich th...
Revisiting the Fourth Amendment and passwords
After posting the previous article, I decided to dig around a little more to see where the idea originated that passwords are protected by the Fifth Amendment a...
Passwords and the Constitution
Which Amendment to the Constitution covers your passwords and the PIN lock on your phone? If you’re the numerous journalists I’ve seen attempt to ta...
This isn’t about feminism
This question seems to be unanswered and answered at the same time: who was the Manchester bomber targeting? If you read the Rolling Stone, Emily Crockett seems...
Matthew Archbold: Keep trying
Article: “Atheism is the Uncoolest Choice Ever, and I Can Prove It” Setting aside for a moment that atheism is hardly a “choice” in the ...
Almost have it
I always welcome it when someone tries to learn or understand something new, especially if I’ve been a source of that inspiration. Previously I responded ...
And that is not banking
Article: “And That Is Banking” Recently this article came in as a trackback to my article on fractional reserve banking. Now the author classifies t...
After the election
Note: I originally wrote this back in November 2004 following the 2004 election, and I just decided to share it after finding it on a backup drive. It’s a...
Crisis – another build for another friend
More like a response to a crisis, that being a friend for whom I’ve already told I’d build a new system. So let’s get into this, starting with...
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