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I accidentally loaned all my money to the US government

beanlog.vercel.app

221–230 of 512 posts

Re: I accidentally loaned all my money to the US government

#221
post #115

Earlier quoted context omitted.

Why do they take the money before checking if they should take the money? If they waited a week they wouldn’t get the 8.5% (I believe)

The email of over payment seems to be dated 13th of April so there should have been some time left in that month. At least I think it is tied to month and not certain date in a month.

Oh… gotcha. Yeah shoulda waited.

Re: I accidentally loaned all my money to the US government

#222

Earlier quoted context omitted.

> Instead, custom on-screen keyboards are attempts to thwart keyloggers. Commercial malware doesn't work this way. The term "keylogger" is a misnomer. "Keylogging" without context provides an unintelligible stream of garbage that might have well be from a random number generator. Most malware that I've seen either directly target the browser or the operating system, but in both cases they're looking for an unencrypte…

That's why keyloggers also log the title of an active window.

So the malware is running in the user's context, and has the browser's window handle and instead of using that to hook the child input elements directly, they're going to store an unintelligible stream of keystrokes then use the window handle to bundle that with the window's title? Is that a reasonable way to implement malware? Will it result in high quality data for resale?

One of those "Things programmers believe about malware" articles needs to be written. There's a lot of "Schrödinger's cat"-level thinking going on, wherein malware is both running with full rights of the user while ALSO somehow needs to rely on raw keystrokes to record anything.

Re: I accidentally loaned all my money to the US government

#223
post #200

Earlier quoted context omitted.

> Instead, custom on-screen keyboards are attempts to thwart keyloggers. Commercial malware doesn't work this way. The term "keylogger" is a misnomer. "Keylogging" without context provides an unintelligible stream of garbage that might have well be from a random number generator. Most malware that I've seen either directly target the browser or the operating system, but in both cases they're looking for an unencrypte…

Are you saying you wouldn't be concerned if you found one of these on your computer? https://www.keelog.com/

You may have replied to the wrong comment. The comment above is about malware, which those are not.

Re: I accidentally loaned all my money to the US government

#224
post #207

Earlier quoted context omitted.

Nine months at 9% still better than twelve at 0.1%

It is recalculated every six months. For simplicity let us assume the 7.12% April rate stays the same for 12 months. $10,000 individual purchase. Interest is added monthly but it does not compound, ever. After one year you have earned $712 in interest. However, if you sell at this time you must pay 3-months interest which amounts to $178. Your net gain for the year is $534 for an actual rate of 5.34%. 5.34% is pretty…

Still better than 0.1%

> but it is significantly less than people are expecting.

What people, and what expecting? I think OP new exactly what they were getting into.

Re: I accidentally loaned all my money to the US government

#226

My understanding is that he bought $25, then another $9975 when he tried the $10k purchase, then $0 when he tried the $9975 purchase. So he should receive $10k in bonds and $25 + $9975 in refunds.

It's the US government so it's safer to assume that only a $25 transaction went through. I am surprised the person didn't rethink things after the experiment went badly with $10K in limbo. It sounds like they should just mess around on a testnet the next time they feel like bucking the system.

Re: I accidentally loaned all my money to the US government

#228
post #32

The venn diagram of internet users that read about super specific financial products, decide to buy them, while not even understanding the need to keep an emergency fund such that a move like this leaves them with under $200 in their account seems to be growing. It seems to be a weird mix of wall street cosplay and financial ineptitude.

I have witnessed this working at FAANG where people usually have the choice to allocate their grants into either risky options or safe, straight cash. The amount of people I see going all-in into the riskiest option and then proceeding to not understand why they lost their "compensation" (?) when the stock drops frightens me.

If you have ever been to any company 401K meeting, the 401K rep will always, always, encourage young people to make risky investments and encourage people closer to retirement to make conservative investments.

Re: I accidentally loaned all my money to the US government

#229
post #200

Earlier quoted context omitted.

Are you saying you wouldn't be concerned if you found one of these on your computer? https://www.keelog.com/

You may have replied to the wrong comment. The comment above is about malware, which those are not.

I think they replied to the right one, making the point that the long comment about malware is missing the point about the type of keylogger this is trying to protect against (because many people also, quite reasonably, use the term "keylogger" as a vague description for password-stealing malware).

Re: I accidentally loaned all my money to the US government

#230
post #200

Earlier quoted context omitted.

Are you saying you wouldn't be concerned if you found one of these on your computer? https://www.keelog.com/

You may have replied to the wrong comment. The comment above is about malware, which those are not.

The top-level comment you replied to doesn’t mention malware.

In any case, both hardware and software keyloggers exist which would be thwarted by an onscreen keyboard. If I recall correctly, mouse keyboards became popular when keyloggers started being more known, and the following generation of malware took screenshots every time you clicked.

It’s a very obsolete security measure but did make sense briefly.

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