Hiya protects you from spam callers and phishing scams

Everybody hates spam calls. Beyond those annoying “you won a cruise” messages that interrupt your day and clog your voicemail, scammers can use your phone number in phishing schemes and even trick you into giving up precious personal information. Luckily, when it comes to blocking spam and flagging unwanted numbers, you’ve got options.

We like the app Hiya | Android | iOS | because it serves numbers with a side of context. Hiya gives bit more information about numbers outside of your contact list, flagging them as likely spam, a colleague from work or an important call from the doctor’s office. Hiya also lets you control and update a personalized block list and report nuisance callers.

Hiya aggregates spam lists from their carrier partners to offer comprehensive protection against annoying and phishy calls and texts. It’s ad-free and easy to use. Grab the app and start protecting yourself today.

Nobel Prize Economists Say Free Market Competition Rewards Deception and Manipulation

.. our free-market system tends to spawn manipulation and deception. The problem is not that there are a lot of evil people. Most people play by the rules and are just trying to make a good living. But, inevitably, the competitive pressures for businessmen to practice deception and manipulation in free markets lead us to buy, and to pay too much for, products that we do not need; to work at jobs that give us little sense of purpose; and to wonder why our lives have gone amiss.

.. (In Navada) the average adult spends 4 percent of income on gambling, nine times the US national average

.. It is about getting people to do things that are in the interest of the phisherman, but not in the interest of the target. It is about angling, about dropping an artificial lure into the water and sitting and waiting as wary fish swim by, make an error, and get caught.

.. However, unregulated free markets rarely reward a different kind of heroism, of those who restrain themselves from taking advantage of customers’ psychological or informational weaknesses. Because of competitive pressures, managers who restrain themselves in this way tend to be replaced by others with fewer moral qualms.

.. For others, it occurs at rites of passage: such as weddings (where the wedding mags assure brides that the “average wedding” costs almost one half of annual per capita GDP)

.. In some 30 percent of home sales to new buyers, total— buyer plus seller— transaction costs, remarkably, are more than half of the down payment that the buyer puts into the deal.

..  Phishing for phools in financial markets is the leading cause of the financial crises that lead to the deepest recessions.

.. The average four-year gain was 3.35 pounds (translating into a twenty-year gain of 16.75 pounds). Statistical analysis associates the 3.35-pound gain with 1.69 pounds for potato chips, 1.28 pounds for potatoes (mainly French fries), and 1 pound for sugar-sweetened beverages.

..  As a result of this censure and self-censure, the fraction of smokers in the United States has fallen by more than half since the bad old days when people who should have known better were arguing that smoking really was good for your health: it helped you lose weight.

Why Free Markets Make Fools of Us

Akerlof and Shiller believe that once we understand human psychology, we will be a lot less enthusiastic about free markets and a lot more worried about the harmful effects of competition. In their view, companies exploit human weaknesses not necessarily because they are malicious or venal, but because the market makes them do it. Those who fail to exploit people will lose out to those who do.

.. In their view, phishing for phools “is the leading cause of the financial crises that lead to the deepest recessions.”

.. In a reversal of Adam Smith, Akerlof and Shiller contend that the invisible hand of the market guarantees phishing. Consider Cinnabon, whose brilliant motto is “Life Needs Frosting,” and which attracts customers with a seductive smell (and which has not made caloric information on its products at all easy to find).

.. Akerlof and Shiller contend that presidents are sold in essentially the same way, as “modern statistical techniques now tell marketers and advertisers—both private and political—when and how to phish, just as modern techniques in geology tell the oil and gas companies where and how to drill.” They single out the 2012 Obama campaign for its use of statistical testing “as a new art form.” In their view, campaigns now know how to target “voters individual-by-individual,” with the help of modern statistical techniques.

.. With respect to the latter, they are concerned about a clever electoral strategy commonly used to hook “phishable voters.” With this strategy, politicians endorse policies that “appeal to the typical voter on issues that are salient to her, and where she will be informed,” while also adopting a “stance that appeals to donors” on issues on which the typical voter is uninformed.

.. Whenever “we have a weakness—if we have a way in which we are phishable—the phishermen will be there in waiting.”