Poking through 13+ years of posts I find information that’s as useful now as when it was written.

Golden Oldies is a collection of the most relevant and timeless posts during that time.

KG wrote this five years ago and, sadly, many of the concerns he mentioned are happening. AI bias is rampant and, as usual with emerging tech, most people don’t know/understand/care about the danger that represents.

Read other Golden Oldies here.

A few months ago I read the book, Our Final Invention: Artificial Intelligence and the End of the Human Era by James Barrat.  It was a tremendously interesting book and confirmed many of the concerns I’ve been having about my own industry for some time.  Subsequently there have been a slate of articles wondering about AI and how the industry is progressing.

One of the book’s premises was that we need to take a step back and think about the moral and ethical basis of what we’re doing and how and what we’re imparting to these machines.

I believe that it will be difficult, or impossible, for the AI industry to change direction mid-streams and start being concerned about morality and ethics.  Most of the funding for AI comes from DARPA and other such institutions that are part of the military and affiliated organizations.  Finance is second largest funding source.

Most of the people who are concerned about AI (including James Barrat) worry about when machines gain human level intelligence.  I am much more concerned about what happens before that.  Today it is said that the most sophisticated AI has the intelligence of a cockroach.  This is no small feat, but it also brings with it some clear implications – cockroaches have important drives and instincts that guide their behavior.  Survival, resource acquisition, reproduction, etc. are all things that cockroaches do.  How far away are we from when our AI exhibit these characteristics?  What about when we get to rat-level intelligence?

At that point machines will be very powerful and control many of the essential functions of society.  Imagine a frightened rat (or 6 month old toddler) with infinite power – what actions would they take to protect themselves or get what they perceive they want or need?  How would they react if we stood in their way?  How concerned would they be with the consequences of their actions?  Most adults don’t do this today.

Before we achieve human level intelligence in machines, we’ll have to deal with less intelligent and probably more dangerous and powerful entities.  More dangerous because they will not have the knowledge or processing power to think of consequences, and also because they will be controlling our cars, airplanes, electricity grids, public transportation and many other systems.

Most AI optimists ignore the dangerous “lower mammal, toddler and childhood” stages of AI development and only see the potential benefits at the end.  But we need to think about the path there and what we can do to prepare as individuals and as a society.

Not to speak about the fact that once we reach human level intelligence in AI, we’ll be dealing with an intelligence that is so alien to anything we know (after all, we have lots of experience with cockroaches, rats and toddlers), and no way of knowing what its motives are.  But that will be left for another discussion.

A few days ago CB insights shared a link to their collection of quotes about disruption from big name corporate leaders; they called it Foot In Mouth.

I sent it to my “list” with the following comment.

Ignorance? Idiocy? Arrogance?
All of the above?

The replies I received, one from my sister, a retired IT head, and the other from KG, were far more insightful than the queries I sent.

I thought both were worth sharing, so here they are.

From my sister.

Do you know of Joel Barker, the futurist?  He’s been around since the mid-70s. I saw a video of his at a conference once, where he talked about paradigm shifts. His example then was Swiss watch makers. When two young kids brought the quartz watch to the Swiss watchmaking community for funding, the Swiss said, “No one will ever want a watch that doesn’t wind.” The kids went to the Japanese and the rest was history. Barker says that when humans have a paradigm, they automatically filter OUT anything that doesn’t support their paradigm. The Japanese had no watch paradigm and so could see the potential. I think those examples from CB are as much paradigm lock-in as stupidity. Or put another way, paradigms lead us to make dumb choices sometimes.

From KG

Upton Sinclair famously stated, “It is difficult to get a man to understand something when his salary depends upon his not understanding it.” We may call it stupidity, but it really is vested interests. That’s why innovation comes from those who have little to lose or have no other alternative. No one thinks of vested interests when they work in our favor, only when (usually in hindsight) they are show to have caused loss are they called stupid.

In a time of proven global warming, the US has chosen, as the only nation in the world, to reject the potentially cataclysmic consequences of a warmer globe and have invested $4 trillion to develop the domestic oil & gas industry rather than investing these monies in future technologies that can save the planet. These vested interests are causing an existential crisis, and all the systems we’ve built.

There are so many areas that we are struggling with as a species due to vested interests — things that threaten our survival. These range from the ones that are commonly spoken about, like global warming and environmental destruction. They also include synthetic chemicals and nano materials that are giving us cancer and making us sterile, an economic system that ignores externalities and the tragedy of the commons, and our challenges with making sustainable decisions in an increasingly complex World.

What are your thoughts?

Image credit: Gerd Leonhard

A Friday series exploring Startups and the people who make them go. Read all If the Shoe Fits posts here.

As a founder I’m identified as a leader, but I don’t believe that any position makes one a leader.

Nor do visions, speeches, brilliant presentations or skilled fundraising.

I believe you recognize a leader by the quality of their team.

That doesn’t mean hiring someone else’s stars, it means hiring good people and providing all of them an environment that helps them become stars.

Over the years, I’ve collected short quotes that inspire me and help me become a leader in fact, not just in name.

Here is one of my favorites.

The task of leadership is not to put greatness into humanity, but to elicit it, for the greatness is already there.
John Buchan,
historian and political leader

I hope you find it as useful as I have.

Image credit: Wikipedia

A Friday series exploring Startups and the people who make them go. Read all If the Shoe Fits posts here.

Miki and I want to congratulate Jerry Nemorin, founder and CEO of Lendstreet, a fintech startup. As a board member I’ve been with Jerry from the start and know how hard he’s worked, as well as how much he cares.

He cares about his team, his company, and his investors, but most of all he cares about Lendstreet’s ability to help its customers to a better life.

Lendstreet restructures debt for consumers in financial distress. A badly kept secret is that healthcare expenses is the number one reason that people go bankrupt and families lose their homes. In fact, most middle and low income families live on a shoestring — the average family only has  a few hundred dollars in the bank to deal with emergencies.

As a consequence, a seemingly small thing like the car breaking down can put an entire family spiraling downward to homelessness. Lendstreet interrupts this cycle by using technology to restructure the debt and ensure that the family has the necessary liquidity to get through hard times. In addition, they educate people on financial best practices, including how to improve their credit score.

In essence, Lendstreet provides technology-based solutions and resources that reduce consumer debt, increase credit scores, and improve savings. Since its inception, Lendstreet has helped customers successfully reduce their debt by nearly 40 percent and improve their credit score by an average of 100 points.

Lendstreet was founded in 2013, and Jerry has spent the intervening years building its business to support some of the most vulnerable people in this country. Sure, he’s raised money, a difficult proposition for a business focused on helping the bottom 80% of the population, instead of the top 20%.

He has been relentlessly tenacious in his drive to bring the company and its products to market and in raising the necessary capital to be able to help an increasing number of people.

This week he reached an important milestone in his quest — he managed to get top institutional investors to participate in funding a solution to the tune of $120 million.

“Lower and middle-income Americans are struggling and relying on high interest credit cards for their day-to-day survival. These investments will enable us to scale our platform and reach more consumers who are struggling with too much debt. Prudential, CIM, Radicle Impact, and our other investors share our vision of finally giving mainstream Americans access to an equitable and transparent alternative for their mounting credit card debt.”–Jerry Nemorin

My hope is that by helping people get back on a solid financial footing, by reducing their debt and coaching them on spending wisely, they will be able to stabilize economically and generate upward mobility, as opposed to treading water or, much worse, drowning.

CONGRATULATIONS,  and !

(In 2013 Jerry covered The Innovation Summit for MAPping Company Success.)

Image credit: HikingArtist

The last two posts reminded me of something KG sent (also used here).

It neatly sums up the state of our nation these days.

Actually, it probably sums up the state of every nation on Earth.

That said, it has nothing to do with politics or who is on which side.

You can find every kind of MAP, from far left to far right to none of the above, represented in each of the three categories mentioned.

The pigs go back to the dawn of humanity.

The wolves, too, although their tools today reach farther and are more predatory than ever before.

Sadly, the sheep are multiplying and becoming ever more sheeplike .

Image credit: Internet meme

It’s amazing to me, but looking back over more than a decade of writing I find posts that still impress, with information that is as useful now as when it was written.

Golden Oldies are a collection of some of the best posts during that time.

We haven’t participated in Blog Action Day for a couple of years; we were somehow deleted from their mailing list and I didn’t check, because I just plain forgot.

Today’s Golden Oldie is KG’s post from 2013. What he said was important then and still is, if not more so. Things have gotten worse, not better. (Check out the previous comments.)

Read other Golden Oldies here.

Human Rights – something that is often talked about but little is done to define or uphold.

What is human rights?  It seems so right yet appears such a fable.   Most of the time we hear about human rights from some government official speaking about how some other government is negligent.  Yet it is never defined.

Is it privacy rights?  The right to use the internet without being monitored?  Is it the right to healthcare and education?  Is it having food, shelter, safety from violence?  Or is it to uphold human dignity?

We never quite know since it is never defined properly, or has so many definitions as to become worthless.  Is it the right for poor African Americans to be treated fairly under the law?  Male African Americans?  Why does the US with ¼ of the population of China have more than three times the amount of persons incarcerated?  Mostly black and Latino males?  Is this human rights?

Confusion is maybe the name of the game – as long as we don’t know what it is, it is a useful tool for controlling our thoughts and actions.  Who is it that want to make us act without thinking?  Who is it that defines another human being as an enemy and want us to take hostile action towards him/her?

Are there universal human desires?  For such things as food, safety, love, nurture, communion?  If there are, why are they not fulfilled?  Why do we allow ourselves to be derailed from attaining these and passing them on to others?  Is there any doubt that today we can easily feed the world and no one needs to go hungry?  Or that we can eradicate most of the common diseases that kill children?

We choose not to.

Isn’t there a gift in giving?  Why does it suit us to hoard “things” – money, land, items and safety?  If we recognize the universal desires and needs of our fellow humans, why don’t we work to get and give?  What is it that prevents us?

Ultimately, we want to receive from others, but need to be aware that giving is also receiving.  Can we reasonably expect to receive without being generous?  What is the origin of our selfishness?  Don’t we know better?

Neglecting to provide food to the hungry, clothing to the naked and safety to the threatened is antisocial behavior and lack of empathy.  Which of us have any remorse about this behavior?

Our conduct is very similar to the definition of psychopathy – “a personality trait or disorder characterized partly by enduring antisocial behavior, a diminished capacity for empathy or remorse, and poor behavioral controls” (Wikipedia).  All wealthy people and governments have the possibility to address the needs of human rights.  I define almost all of us living in North America and Europe as relatively wealthy, as well as large, affluent, segments of the developing world.

For whatever reason, we choose to exhibit this behavior.

Is there such a thing as human rights?

To psychopaths?

KG Charles-Harris is CEO of Emanio and a special contributor to MAPping Company Success.

It’s amazing to me, but looking back over more than a decade of writing I find posts that still impress, with information that is as useful now as when it was written.

Golden Oldies are a collection of what I consider some of the best posts during that time.

It is said that hindsight is 20/20, because we can see the whole as opposed to the part in which we are involved. It’s mostly an accurate statement, but only if we can set aside our many biases. If not, we will see what we expect to see, whether it fits all the facts or not,

The problem is, of course, we are no better at seeing our own biases than we are at seeing all parts of a situation as it is happening, which makes 20/20 vision of ourselves elusive.

Read other Golden Oldies here.

A few weeks ago Wharton professor Adam Grant wrote Dear Men: Wake Up and Smell the Inequality focusing on why men can’t seem to wrap their heads around gender inequality.

In corporate America, 88% of men think women have at least as many opportunities to advance as men.

This is the finding of a major new study—almost 30,000 employees across 118 companies—by LeanIn.org and McKinsey & Company.

Just 12% of men felt that women had fewer opportunities to advance in their organizations.

Today, KG Charles-Harris sent a link to an article by Marshall Goldsmith about suck-ups, with an underlying focus on how easily we see traits in others, but not in ourselves. (I call it ‘but me’)

Almost all of the leaders I have met say that they would never encourage such a thing in their organizations. I have no doubt that they are sincere. Most of us are easily irritated–if not disgusted–by derriere kissers. Which raises a question: If leaders say they discourage sucking up, why does it happen so often? Here’s a straightforward answer: Without meaning to, we all tend to create an environment where people learn to reward others with accolades that aren’t really warranted. We can see this very clearly in other people. We just can’t see it in ourselves.

And that brings us to MAP (mindset, attitude, philosophy™).

MAP, in case you’ve forgotten, is what underlies and drives all our thoughts and actions.

While not seeing things in ourselves may be fundamental to our MAP, that doesn’t mean we can’t change it.

To do so is a choice, yours and no one else’s.

Choice is the most valuable thing that any of us have and it’s the most painful to lose.

Remember Dumbledore? He summed it up perfectly.

“It is our choices that show us what we truly are, far more than our abilities.” (Harry Potter and the Chamber of Secrets, p 333)

Image credit: Peter O’Connor

It’s amazing to me, but looking back over more than a decade of writing I find posts that still impress, with information that is as useful now as when it was written.

Golden Oldies are a collection of what I consider some of the best posts during that time.

Have you noticed how boring/confusing/annoying/embarrassing/etc. so much content, emails and other written communications are these days?

Or are you happy communicating by text and feel everyone should just forget dumb, outmoded stuff like grammar, capitols, punctuation, and shoving it out the door fast?

If you’re in the latter category I feel sorry for you. I’ve written many times about the value of good writing along with the importance of reading as a basis for it.

I don’t mean polished and professional; I mean the ability to put words together in a way they won’t be misunderstood.

If you think that it really doesn’t matter read the following 2012 post and join me tomorrow to see how a lowly comma cost a company big time.

Read other Golden Oldies here.

My client/friend, EMANIO [now Quarrio] CEO KG Charles-Harris, has been a guest poster here; he’s received several hat tips for sending links to information used in various posts and he just racked up another one.

I’ve written before about the importance of details when writing; details like commas, periods and capitals.

But the note KG forwarded drives home the importance of capitals—unforgettably.

Miki, I received this from a friend who is an English Professor and thought you would appreciate it; it’s short and to the point.

In the world of hi-tech gadgetry, I’ve noticed that more and more people who send text messages and emails have long forgotten the art of capital letters.

For those of you who fall into this category, please take note of the following statement: “Capitalization is the difference between helping your Uncle Jack off a horse and helping your uncle jack off a horse.”

Thanks, KG; graphic word imagery does get the point across, even to teens.

Flickr image credit: ScottieT812

Edward Snowden’s revelations made people hyper-conscious of government snooping, while the proliferation of mobile and connected devices has made snooping easier, not to mention very profitable.

And profit is what’s behind the rise of global cyber-arms dealers that sell human suffering and death as surely as their real-world counterparts sell weapons.

Last summer, Bill Marczak stumbled across a program that could spy on your iPhone’s contact list and messages—and even record your calls. Illuminating shadowy firms that sell spyware to corrupt governments across the globe, Marczak’s story reveals the new arena of cyber-warfare.

Marczak’s stumble revealed three zero-day exploits (“Zero days” refers to the amount of time—i.e., none—a target has to fix an entirely new kind of hack before damage can be done.).

It’s called a jailbreak and the ability to do it remotely is every hacker’s dream.

… the ability to hack remotely into the digital brains of the world’s most popular hardware—the desktops, laptops, tablets, and especially the mobile phones made by Apple. And not just break into Apple devices but actually take control of them. It was a hacker’s dream: the ability to monitor a user’s communications in real time and also to turn on his microphone and record his conversations.

In a superhuman effort, Apple patched all three exploits in just 10 days.

It’s an uplifting story, but the fact is Apple and other computer-makers are fighting a losing battle. As long as there are hackers, they will continue to find ways to hack any device that interfaces with them. These dangers were highlighted this fall when a New England company found itself the target of a mass denial-of-service attack from millions of non-computer “zombie devices” connected to the Internet—most notably baby monitors.

“What these cyber-arms dealers have done is democratize digital surveillance,” says the A.C.L.U.’s Chris Soghoian. “The surveillance tools once only used by big governments are now available to anyone with a couple hundred grand to spend.” In fact, they may be coming to your iPhone sometime soon.

Hat tip to KG for sharing the Vanity Fair article about Marczak.

Flickr image credit: Pimkie

KG emailed me this cartoon and asked what I thought.

I responded that I had a better image of leadership, only mine was drawn with words.

I’ve shared them here before, but a reminder never hurts.

As for the best leaders,
the people do not notice their existence.

The next best,
the people honor and praise.

The next, the people fear;
and the next, the people hate—

When the best leader’s work is done,
the people say, “We did it ourselves!”

To lead the people, walk behind them.

–Lao Tzu

Now that’s what I consider a beautiful image.

Image credit: Anonymous via the Internet