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Speaker 1: iPhone gets a lockdown mode, excellent earbuds for just forty bucks,

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Speaker 1: my favorite video editing apps, plus your tech questions answered.

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Speaker 1: What's going on? I'm Rich Demiro and this is Rich

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Speaker 1: on Tech, the podcast where I talk about the tech

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Speaker 1: stuff I think you should know about, and it's the

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Speaker 1: place where I answer the questions you sent me. I'm

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Speaker 1: a tech reporter at KTLA Channel five in Los Angeles.

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Speaker 1: Welcome to the show. Hope you're having a fantastic week.

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Speaker 1: Welcome to my friends listening on Twitter spaces. Sometimes when

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Speaker 1: I'm recording the podcast just depends how I'm feeling if

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Speaker 1: I want to live stream it or not. There's a

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Speaker 1: little bit more pressure with the live stream because you

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Speaker 1: kind of see people coming in and out, maybe people

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Speaker 1: are clapping whatever they're doing. But the reality is it's

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Speaker 1: just me and you for the next hour here, and

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Speaker 1: we're going to talk about some of the stuff that

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Speaker 1: I think is important. All right, let's talk about the

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Speaker 1: new lockdown mode on iOS sixteen. This is for the iPhone.

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Speaker 1: So this is a mode on the iPhone you probably

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Speaker 1: will never have to use, but it is in extreme

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Speaker 1: security mode. Do you remember back in the day, I

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Speaker 1: think it was President Obama who had a BlackBerry for

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Speaker 1: a long time, and everyone was kind of giving him

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Speaker 1: a little bit of grief because it's like, come on,

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Speaker 1: get an iPhone. And then it came out that you

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Speaker 1: can't just give the president an iPhone because of the

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Speaker 1: security implications of the iPhone. Now, eventually that changed, and

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Speaker 1: I don't know if we lessened the security on the

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Speaker 1: president's phone or we just decided it was fine. But

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Speaker 1: you know, we do know that presidents, I think even

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Speaker 1: Obama towards the end, and we know other presidents have

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Speaker 1: had the iPhone, so I guess now it's fine. But anyway,

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Speaker 1: the reality is if you are a journal or a dissident,

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Speaker 1: or an activist, or a head of state or someone

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Speaker 1: with a high net worth, you are targeted all the time,

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Speaker 1: and you're targeted by malware, by spyware, by governments trying

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Speaker 1: to get in on your phone. There's all kinds of

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Speaker 1: threat levels that you are exposed to. And so Apple

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Speaker 1: knows this. For the average person, I mean, we always

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Speaker 1: hear about security with the phones, but the reality is,

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Speaker 1: for the average person, the biggest security risk is themselves,

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Speaker 1: and that is because they may click on a link

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Speaker 1: that either tries to steal their information via phishing. In

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Speaker 1: the worst case scenario, it may download malware to your phone,

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Speaker 1: but that is like very very small chance, especially with

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Speaker 1: the way the architecture of the iPhone is designed. That's

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Speaker 1: just really really tough to do, but it happens. And

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Speaker 1: so now this new lockdown mode is to gear towards

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Speaker 1: protecting a very small number of users who may be

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Speaker 1: a risk of a highly targeted cyber attack. And the

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Speaker 1: feature is going to be built into iOS sixteen. It's

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Speaker 1: also going to be built into the iPad and the

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Speaker 1: new mac os Ventura. Right now, it's in the betas,

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Speaker 1: it will be in maybe not the public beta, I'm

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Speaker 1: not sure, but it will be in the final version

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Speaker 1: that's released in the fall. So lockdown mode is turned

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Speaker 1: off by default. You can enable it in the Privacy

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Speaker 1: and Security section. And once it's turned on, here's what's

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Speaker 1: going to happen. Messages app most message attachments will be blocked.

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Speaker 1: In coming FaceTime calls from people who don't know those

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Speaker 1: will be blocked. Web browsing will be impacted. A lot

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Speaker 1: of the JavaScript type things, anything that requires a little

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Speaker 1: bit of extra things to run on the web browser.

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Speaker 1: That will be blocked. Shared albums on the photos app

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Speaker 1: will be blocked when the device is in lockdown. Wired

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Speaker 1: connections will be blocked or I guess when the device

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Speaker 1: is locked, but they do that anyway. Figuration profiles will

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Speaker 1: be not accessible. So the phone kind of becomes a

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Speaker 1: very basic device that you can use to make and

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Speaker 1: receive phone calls, and nothing can sort of make its

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Speaker 1: way onto that device. So whether it's you know, spyware, malware,

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Speaker 1: any sort of key loggers, whatever that these organizations might

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Speaker 1: be using to spy, it just won't be possible to

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Speaker 1: put that on the iPhone. And so again, this is

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Speaker 1: something that not a lot of people need, but it's

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Speaker 1: really really smart that Apple has this mode on the

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Speaker 1: phone because if someone needs this, it is available, and

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Speaker 1: it's available quickly, simply, and it's accessible to everyone from

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Speaker 1: a person who's just speaking out against their government to

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Speaker 1: someone who is, you know whatever, I mean, any sort

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Speaker 1: of situation you're in, maybe you're in a country that

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Speaker 1: you don't feel safe in and you're worried about spying,

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Speaker 1: you can act this mode. So again iOS sixteen lockdown

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Speaker 1: mode coming in the fall on the iPhone. All right,

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Speaker 1: let's get to the first question comes from Dave. Hey,

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Speaker 1: my name is Dave. It appeals. It appears my email

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Speaker 1: has been compromised. I'm getting a ton of emails from

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Speaker 1: people that I don't know, who seem to think that

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Speaker 1: I've sent them a scamming type of email. I've placed

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Speaker 1: a complaint with the FTC, but I haven't received any

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Speaker 1: type of help from them stopping the emails I'm getting. Well,

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Speaker 1: I didn't expect them to stop them. Is there anything

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Speaker 1: you know of that I can do? Any help would

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Speaker 1: be greatly appreciated. Thank you, Dave. Dave, it sounds like

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Speaker 1: your email account was hacked or compromised. Most likely just compromised,

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Speaker 1: like you said, Uh, probably in one of two ways.

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Speaker 1: Either I'm guessing that and I don't want to place

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Speaker 1: the blame on you, but I'm guessing that at some

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Speaker 1: point you clicked a link and logged in with your

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Speaker 1: email or handed over your password unwillingly or I should

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Speaker 1: say unwittingly, like you didn't know this was happening, and

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Speaker 1: once they got a hold of your email, they then

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Speaker 1: turned your email into a bot account that would then

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Speaker 1: send out emails on your behalf with spammy messages and

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Speaker 1: the reason why they do that is because when hackers

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Speaker 1: get a hold of your email account, that's a good

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Speaker 1: email account, and so the chances that your email will

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Speaker 1: go through the spam filters on Gmail and Outlook and

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Speaker 1: Yahoo and all these other things is pretty good because

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Speaker 1: your email account has a track record of being legitimate,

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Speaker 1: and so they use that to their advantage. So what

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Speaker 1: can you do, Well, what you need to do is

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Speaker 1: change your password immediately, if that's even possible. If you

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Speaker 1: can still try to log in from a web page,

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Speaker 1: log in, change your password, and then I would go

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Speaker 1: in and set up two factor authentication. You're emailing me

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Speaker 1: from an att dot net email address. I'm not sure

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Speaker 1: if that's the one that got compromised, but if it is,

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Speaker 1: a just definitely go in, try to change the password,

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Speaker 1: turn on two factor authentication, and then the other thing

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Speaker 1: I would do, and you're gonna have to search to

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Speaker 1: see how to do this is what's called log out

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Speaker 1: of all active devices. So most of the systems these days,

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Speaker 1: some of the big social media companies, the apps, the

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Speaker 1: email the Googles of the world, they have provisions for

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Speaker 1: helping you log out of any device that you've previously

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Speaker 1: authorized and then what that does is it triggers a

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Speaker 1: new authorization. So to understand this better, you know, you

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Speaker 1: log into your email on your computer at work, and

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Speaker 1: you know, let's say you're your personal account. You don't

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Speaker 1: necessarily have to log into that every single day when

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Speaker 1: you come into work. Maybe once every couple of weeks.

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Speaker 1: It might ask you to reauthorize your password, but for

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Speaker 1: the most part, you just sit down, you go to

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Speaker 1: Gmail dot com and it's already logged in somehow magically.

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Speaker 1: So they're doing that with a combination of cookies and

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Speaker 1: also so some sort of algorithm security that they have built, saying, Okay,

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Speaker 1: it seems like this is pretty secure, seems like there's

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Speaker 1: not anything weird happening on this computer. We're going to

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Speaker 1: allow this connection until we think that something changes. And

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Speaker 1: in the case of that manual change that I talked about,

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Speaker 1: if you trigger that, it's something that will log out.

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Speaker 1: It sends a little notice to all these systems that

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Speaker 1: are logged in, saying the next time someone tries to

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Speaker 1: use this account, ask them for their password again. And

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Speaker 1: you can do this on Netflix, you can do it

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Speaker 1: on I believe Google. I know you can do it

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Speaker 1: on their Apple you can log out devices, so basically

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Speaker 1: you want to look for a functionality to log out

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Speaker 1: all active devices. Sometimes you can even see a list

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Speaker 1: of these devices, but that is probably what you want

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Speaker 1: to do, Dave, to reclaim this email. If it's an

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Speaker 1: email that you don't really care about anymore, you can

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Speaker 1: delete the account completely. But it depends what type of

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Speaker 1: account you're using. But that's what I would recommend. This

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Speaker 1: happens every day. Don't use the same path word over

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Speaker 1: and over. That's number one. Definitely use a password manager

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Speaker 1: if you can, and use two factor authentication on every

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Speaker 1: single account that you can think of that supports it,

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Speaker 1: and not just two factor. But I would use an

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Speaker 1: app to generate the authentication codes. I would not just

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Speaker 1: send them to your text message because phone numbers can

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Speaker 1: be compromised and it's much more secure to do it

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Speaker 1: to an app. And I know this stuff is so

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Speaker 1: it's so complicated, and I think I talked about this

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Speaker 1: when I was in when I came back from my trip,

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Speaker 1: but you know, I was in New Jersey just kind

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Speaker 1: of dealing with my family and watching how they deal

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Speaker 1: with stuff. And it's a real struggle for people with

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Speaker 1: these passwords and with the security. I mean, people stay

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Speaker 1: logged in on a computer and if that thing gets

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Speaker 1: logged out, like their entire world goes away because they

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Speaker 1: don't know whether where their password is and they don't

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Speaker 1: know how to get back in, or they don't know

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Speaker 1: which email address they used, or they don't know where

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Speaker 1: they saved it. I mean, it's pretty wild how loosey

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Speaker 1: goosey people are with this password and security stuff. And

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Speaker 1: I just to me, I don't get it. I do

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Speaker 1: get it, because there have been times when I've wanted

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Speaker 1: to quickly log into a website where I'm ready to

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Speaker 1: just throw all caution into the wind and say all right,

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Speaker 1: let me just use whatever, and then I'd have to

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Speaker 1: sit there and say, no, wait, what's the repercussion of

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Speaker 1: this later? Later? Yeah, it's going to be easy for

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Speaker 1: me to log in, but if I don't take good

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Speaker 1: notes and if I don't put down the information that

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Speaker 1: I need later, it's going to come back to bite me.

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Speaker 1: And so good example, I was trying to log into

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Speaker 1: my kids. We set up like a frequent flyer account

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Speaker 1: for him when he was born and we've been using

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Speaker 1: it ever since, and I was like, oh, I'm curious

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Speaker 1: how many miles my kid has racked up in this account?

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Speaker 1: And sure enough, I went into my password manager and

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Speaker 1: I had no recollection of I had his password. But then,

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Speaker 1: because it had been so long, that I logged in

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Speaker 1: and asked me for his security questions, and of course

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Speaker 1: I couldn't come up with the answers because I never

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Speaker 1: use real answers for security questions because that's too obvious.

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Speaker 1: So I always make up answers or use answers that

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Speaker 1: are not true. But you have to keep track of

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Speaker 1: those answers because the problem is when you come back

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Speaker 1: to answer those, they're not the true answers, Like what's

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Speaker 1: the color of the house you grew up in? Why

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Speaker 1: would I use that when someone could look up the

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Speaker 1: house I grew up on Google Maps and see what

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Speaker 1: color it is. And now Google Maps let's you go

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Speaker 1: back in time, so you could just go back in

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Speaker 1: time and see all the different colors of that house

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Speaker 1: over the years. So my advice is to actually use

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Speaker 1: another generated password in place of these answers. Now, not

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Speaker 1: every website lets you put in your own answer, but

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Speaker 1: a lot of them do. Some of them make you

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Speaker 1: select them. If they make you select them, just select

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Speaker 1: a random answer. I usually take a screenshot of that

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Speaker 1: and then I will put that in a secure place,

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Speaker 1: or I will write down the question and answers in

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Speaker 1: my password manager in the notes section. Of course, I

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Speaker 1: did neither of that, so I had to figure out

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Speaker 1: the answers to these questions, which was not easy. So

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Speaker 1: that's my advice. But you got to just keep on

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Speaker 1: top of this stuff. I know it's complicated, I know

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Speaker 1: it's a pain, but it's I'm telling you, just a

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Speaker 1: couple of minutes of time on the front end, we'll

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Speaker 1: save you a lot of headaches on the back end.

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Speaker 1: All right, let's talk about these forty dollars earbuds. So

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Speaker 1: I had these forty dollars one plus earbuds sitting around

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Speaker 1: my house for I don't know, a couple weeks at

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Speaker 1: least maybe a month or two before I got around

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Speaker 1: reviewing them. Because they're earbuds, I get sent so many

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Speaker 1: earbuds and ninety nine percent of the time I put

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Speaker 1: them in my ears for about ten seconds and I say, Nope,

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Speaker 1: these are not the ones, and that's it. Now. These

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Speaker 1: I put in my ears after I got back from Rome,

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Speaker 1: and I meant to take them to Rome, but I

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Speaker 1: didn't want to test them on the trip because I

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Speaker 1: needed noise cancelation earbuds, so I waited till I got back.

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Speaker 1: I put them my ears. I was like, all right,

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Speaker 1: let me try these for a workout. Immediately as soon

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Speaker 1: as I put them my ears. There's certain types of

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Speaker 1: earbuds that when you put them in, they sort of

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Speaker 1: like magnetically attached to your ears. I'm not saying with magnets,

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Speaker 1: but they just feel like they just fit so perfectly

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Speaker 1: that they're not going to come out, and I'm like, oh, okay,

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Speaker 1: that's a good first sign. Then they were easy to pair.

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Speaker 1: They don't have fast pairing, but they were easy to

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Speaker 1: pair because they have a little button on the back

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Speaker 1: and they were paired in seconds. And the next thing

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Speaker 1: you know, I'm playing music, it sounds good, I'm working out.

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Speaker 1: They don't fall out of my ears, and I'm just like, Okay,

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Speaker 1: I think I'm onto something here. I think these are

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Speaker 1: a winner. And so I kept using them for a

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Speaker 1: little bit, and then I did an interview with someone

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Speaker 1: at nine to five Google who also reviewed them, and

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Speaker 1: he agreed that he really liked them and didn't want

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Speaker 1: to like them because of the price tag, and I

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Speaker 1: think the OnePlus Nord buds are a winner. Forty dollars

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Speaker 1: and what do you get? You get simple wireless earbuds.

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Speaker 1: They come in a case that is definitely an odd shape.

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Speaker 1: It's a little bit bulky, it's a little bit not

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Speaker 1: sort of ergonomic in your hands, but it works. It

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Speaker 1: charges the earbuds. You get seven hours on a charge

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Speaker 1: and then thirty hours if you include the case, so

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Speaker 1: that's a pretty good charge. Then you also have USB

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Speaker 1: C on the back, which I like. So they didn't

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Speaker 1: put the micro USB C or micro USB which some

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Speaker 1: it's actually happening a lot less. But you know, that's

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Speaker 1: one way that manufacturers can be a little cheap with things.

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Speaker 1: Let's see what else unique design. They've got tappable areas

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Speaker 1: on the side so you can play, skip and pause

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Speaker 1: your music. They're comfortable, Like I said, they stay in

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Speaker 1: your ears. There's four microphones total for high quality phone calls.

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Speaker 1: I made a phone call to my brother. He said

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Speaker 1: it sounded excellent, so as opposed to sometimes when I

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Speaker 1: call him when I'm testing earbuds, and he said, what

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Speaker 1: are you in a cave right now? He said, none

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Speaker 1: of that the sound is excellent. Like I said, there's

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Speaker 1: no sensor, so when you pull all these out of

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Speaker 1: your ears, I've gotten so used to these sensors on

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Speaker 1: all these earbuds that will play and pause music. That

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Speaker 1: did not happen this time because these don't have those

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Speaker 1: built in sensors, so you will have to do that manually.

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Speaker 1: The music sounds good. It's not the best sounding earbuds

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Speaker 1: I've ever tested, but again, forty dollars, so you get

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Speaker 1: what you pay for. You get a lot of features

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Speaker 1: for this forty dollars. They're good for just everyday use.

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Speaker 1: I would not recommend these if you are traveling with

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Speaker 1: them on a plane because they don't block out a

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Speaker 1: lot of exterior sound. They do block out some because

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Speaker 1: they kind of seal up your ears, which typically I

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Speaker 1: don't like. But these are totally comfortable. But they're good

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Speaker 1: for music, good for phone calls, good for exercising. They're

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Speaker 1: on sale now again. They're called the one plus nord Buds.

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Speaker 1: They only come in one color, black slate. They're on

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Speaker 1: sale at Amazon and OnePlus website. Personally, i'd get them

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Speaker 1: from Amazon just because they're easy to return if you

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Speaker 1: end up not liking them, but we did feature them

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Speaker 1: on KTLA, so they were sold out out after about

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Speaker 1: two seconds. So of course I put them on TV

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Speaker 1: in the five am hour, and I immediately got the

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Speaker 1: emails from people saying you can't purchase them, but I

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Speaker 1: you know, look Amazon, they restock stuff pretty quickly. I

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Speaker 1: assume these will be restocked, so I would just continue

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Speaker 1: to kind of monitor there. But you can also buy

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Speaker 1: them from the OnePlus website as well. I've I don't

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Speaker 1: know what that purchase experience is like for these, but

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Speaker 1: it says it's free shipping, so I don't know, Maybe

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Speaker 1: take your chances there. But again, one plus nord Buds,

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Speaker 1: nord is sort of their inexpensive line of phones, and

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Speaker 1: then Nord is, I guess just their budget stuff in general.

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Speaker 1: But I love the one plus What were they the

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Speaker 1: one plus buds pro last year, but those were closer

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Speaker 1: to one hundred and something dollars. These are like forty bucks.

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Speaker 1: I'm not kidding. Really really great deal for inexpensive headphones,

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Speaker 1: so go check them out. I'll put the line in

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Speaker 1: the show notes. Brenda says, Rich, I'm hoping you have

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Speaker 1: some suggestions. My eighty eight year old father keeps falling

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Speaker 1: for scams on his computer. He has a PC. Originally

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Speaker 1: I was hoping he wouldn't need an email, because that's

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Speaker 1: how the scams get him. Trying to find out if

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Speaker 1: there's a good computer printal lock or something I could

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Speaker 1: do to protect him. I'm going to get him a

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Speaker 1: new Gmail account, and I didn't know if I should

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Speaker 1: get him a Chromebook or any computer. I know this

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00:17:27,000 --> 00:17:29,040
Speaker 1: isn't worded very well, but I think you could understand

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Speaker 1: what I'm asking for. Thank you so much, Brenda, Brenda,

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Speaker 1: I get it. Your dad keeps falling for the oldest

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Speaker 1: tricks in the book, which these scam artists have gotten

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Speaker 1: very very good at. The phishing scams, the Amazon emails,

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Speaker 1: the emails that want your phone number and your address

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Speaker 1: and your logins and oh, your Gmail account is messed up.

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Speaker 1: I mean, there's so many scams out there. A lot

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Speaker 1: of them have to do with phishing, which they send

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Speaker 1: an email that looks like it's something legitimate, and next

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Speaker 1: thing you know, you log in and your account is cut,

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Speaker 1: or they ask you to send them gift cards, or

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Speaker 1: they want you to put in your credit card number

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00:18:05,119 --> 00:18:08,200
Speaker 1: so you can fix something, whatever it is. It's it's

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00:18:08,240 --> 00:18:12,080
Speaker 1: all out there. It's happening every single day. And yes,

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00:18:12,600 --> 00:18:18,000
Speaker 1: the elderly, less tech savvy, or anyone honestly can fall

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Speaker 1: for these scams given the right circumstances. And I always

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00:18:21,760 --> 00:18:25,159
Speaker 1: give the example of our banks. So banks like to

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00:18:25,200 --> 00:18:29,119
Speaker 1: send a lot of emails and text nowadays with fraud alerts.

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00:18:29,320 --> 00:18:32,440
Speaker 1: Hey did you just use your credit card? Here? Press

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00:18:32,480 --> 00:18:35,720
Speaker 1: one or reply one to say yes, reply to to

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00:18:35,760 --> 00:18:38,560
Speaker 1: say no. Hey, we're just confirming that you purchase this,

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00:18:40,040 --> 00:18:42,960
Speaker 1: or hey, your your membership is confirmed. Click here to

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00:18:43,520 --> 00:18:46,600
Speaker 1: you know, check out the details whatever. Anyone can fall

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00:18:46,640 --> 00:18:50,480
Speaker 1: for this stuff, and it's just a matter of taking

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Speaker 1: a little bit of a pause. And in fact, I'm

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Speaker 1: gonna quote from this website that I'm going to refer

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Speaker 1: you to scamspotter dot org. So here are the three

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Speaker 1: golden rules of scams. Number one, slow it down. According

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Speaker 1: to the website, scammers often create a sense of urgency

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00:19:08,359 --> 00:19:11,280
Speaker 1: so they can bypass your better instincts. Take your time

355
00:19:11,640 --> 00:19:15,399
Speaker 1: and ask questions to avoid being rushed into a bad situation.

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00:19:15,840 --> 00:19:18,159
Speaker 1: If you need to act fast, just don't do it.

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Speaker 1: Number two, spot check do your research to This is

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00:19:22,640 --> 00:19:26,040
Speaker 1: again from the website scamspotter dot org. Do your research

359
00:19:26,080 --> 00:19:28,640
Speaker 1: to double check the details you're getting. If you get

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00:19:28,640 --> 00:19:31,760
Speaker 1: an unexpected phone call, hang up, look up the bank,

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Speaker 1: the agency, or the organization that's supposedly calling, and get

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00:19:34,920 --> 00:19:39,520
Speaker 1: in touch with them directly. The IRS does not call you.

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00:19:39,520 --> 00:19:42,440
Speaker 1: Your phone company does not call you. Your bank does

364
00:19:42,480 --> 00:19:47,360
Speaker 1: not call you, your Google does not call you, the whatever,

365
00:19:47,640 --> 00:19:51,080
Speaker 1: Amazon does not call you. These companies rarely call, and

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00:19:51,119 --> 00:19:55,280
Speaker 1: they rarely call and ask for immediate action. Number three, stop,

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00:19:55,440 --> 00:19:59,359
Speaker 1: don't send. No reputable person or agency will ever demand

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00:19:59,480 --> 00:20:01,919
Speaker 1: payment on the spot. Often scammers tell you to go

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00:20:01,920 --> 00:20:03,600
Speaker 1: buy gift cards, which are meant to be given as

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00:20:03,600 --> 00:20:06,520
Speaker 1: a gift, not as payment under a threat. So if

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Speaker 1: you think something feels fishy, it probably is. Do not

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00:20:10,200 --> 00:20:12,080
Speaker 1: send gift cards. So it's at Target the other day

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00:20:12,119 --> 00:20:14,240
Speaker 1: they have a signed by the gift card section that says,

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00:20:14,520 --> 00:20:16,800
Speaker 1: if you're buying this gift card to send us a

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00:20:16,840 --> 00:20:20,520
Speaker 1: payment to someone, don't do it. I don't even understand

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00:20:20,680 --> 00:20:24,320
Speaker 1: how someone could fall for that, but again I'm not judging.

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00:20:24,640 --> 00:20:27,080
Speaker 1: People do. And what they do is they make you

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00:20:27,119 --> 00:20:29,040
Speaker 1: scratch off the back of the gift card, read them

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00:20:29,040 --> 00:20:32,280
Speaker 1: the numbers and the code and they use that gift

380
00:20:32,320 --> 00:20:37,360
Speaker 1: card instantly, it's untraceable, it's done, it's fast, your money's gone.

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00:20:37,600 --> 00:20:39,560
Speaker 1: They they get the money, and you never hear from

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Speaker 1: them again. So again, the website I would show your

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00:20:41,880 --> 00:20:45,640
Speaker 1: dad is scamspotder dot org. Watch the little videos with him,

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00:20:45,760 --> 00:20:48,960
Speaker 1: take the quizzes, and share this with your friends, because

385
00:20:49,320 --> 00:20:53,000
Speaker 1: I'm telling you, it's just really, really a wild West

386
00:20:53,000 --> 00:20:55,600
Speaker 1: out there on the internet. And you're sitting here listening

387
00:20:55,640 --> 00:20:58,000
Speaker 1: to a podcast. You're a little bit more tech savvy

388
00:20:58,119 --> 00:21:02,239
Speaker 1: than the average person, telling you. People fall for this

389
00:21:02,280 --> 00:21:05,720
Speaker 1: stuff every single day. Smart people. I get the emails.

390
00:21:05,800 --> 00:21:09,959
Speaker 1: Believe me, parents of people, siblings of people, friends of people,

391
00:21:10,359 --> 00:21:13,960
Speaker 1: regular people. You don't have to be quote unquote stupid

392
00:21:14,040 --> 00:21:16,040
Speaker 1: to fall for this stuff. You don't have to be

393
00:21:16,320 --> 00:21:18,639
Speaker 1: uneducated to fall for this stuff. You just have to

394
00:21:18,680 --> 00:21:24,240
Speaker 1: be a human being that is highly, highly targeted with

395
00:21:24,400 --> 00:21:29,760
Speaker 1: these social engineering scams. These scam artists spend all day

396
00:21:30,240 --> 00:21:33,600
Speaker 1: coming up with ways of getting stuff from us, and

397
00:21:33,680 --> 00:21:36,560
Speaker 1: believe me, it just takes one tiny little mishap for

398
00:21:36,600 --> 00:21:39,680
Speaker 1: it to happen to you. So you know, don't laugh,

399
00:21:40,400 --> 00:21:43,320
Speaker 1: but really feel for these people, because it's really sad

400
00:21:43,480 --> 00:21:46,320
Speaker 1: when a kid talks to their parent, and their parents

401
00:21:46,440 --> 00:21:48,320
Speaker 1: starts telling them something and you're like, hey, you know,

402
00:21:48,359 --> 00:21:50,679
Speaker 1: you were totally scammed. And we've all been scammed in

403
00:21:50,720 --> 00:21:54,359
Speaker 1: our lives in so many little ways. I told the story,

404
00:21:54,440 --> 00:21:56,040
Speaker 1: or maybe I didn't tell it here, but I told

405
00:21:56,040 --> 00:21:58,000
Speaker 1: the story of how you know, we ate it at

406
00:21:58,040 --> 00:22:01,239
Speaker 1: a tourist trap in Rome because we were hungry, we

407
00:22:01,240 --> 00:22:03,679
Speaker 1: were tired, we were hot, we were sweaty. We just

408
00:22:03,760 --> 00:22:06,879
Speaker 1: wanted to sit down and eat. And we sat at

409
00:22:06,920 --> 00:22:10,040
Speaker 1: a restaurant that was totally just kind of a tourist trap.

410
00:22:10,400 --> 00:22:13,000
Speaker 1: Food was overpriced, food was not very good. Did it

411
00:22:13,080 --> 00:22:16,800
Speaker 1: ruin our lives? No? Would I say I was scammed? Yeap,

412
00:22:16,920 --> 00:22:19,040
Speaker 1: kind of. I mean the person give us a good,

413
00:22:19,200 --> 00:22:20,919
Speaker 1: a good spiel about why we should eat there, and

414
00:22:20,960 --> 00:22:23,560
Speaker 1: we did. You know, you spend a little bit more

415
00:22:23,600 --> 00:22:26,080
Speaker 1: money than you should on something, You get a dent

416
00:22:26,160 --> 00:22:29,480
Speaker 1: removed by someone, you know, whatever. We get scammed all

417
00:22:29,520 --> 00:22:32,000
Speaker 1: the time in lots of little waste. Does it always

418
00:22:32,040 --> 00:22:35,479
Speaker 1: ruin our lives, No, but it happens. It's you know,

419
00:22:35,640 --> 00:22:37,680
Speaker 1: you could get over sold on something, you could pay

420
00:22:37,720 --> 00:22:40,600
Speaker 1: more than you should for something. It's just it happens

421
00:22:40,600 --> 00:22:43,159
Speaker 1: in lots of little ways, so just be aware of

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00:22:43,200 --> 00:22:46,720
Speaker 1: it and try to help people when you can. All right,

423
00:22:47,119 --> 00:22:50,359
Speaker 1: Amazon Prime new benefit you get a year worth of

424
00:22:50,600 --> 00:22:58,080
Speaker 1: grub Hub Plus. Grub Hub Plus is their subscription. I

425
00:22:58,119 --> 00:23:01,680
Speaker 1: don't know what you call membership. So if you basically,

426
00:23:01,720 --> 00:23:04,399
Speaker 1: if you have Amazon Prime, you can go to a

427
00:23:04,440 --> 00:23:08,040
Speaker 1: website and sign up for a free year of Grubhub Plus.

428
00:23:08,400 --> 00:23:10,399
Speaker 1: Now I don't use grubhub, so I can't tell you

429
00:23:10,480 --> 00:23:13,240
Speaker 1: how good Grubhub Plus is, but I know that you

430
00:23:13,280 --> 00:23:16,800
Speaker 1: get discounts on things, you get free delivery on things,

431
00:23:16,920 --> 00:23:20,080
Speaker 1: or reduced delivery fees on orders that are like over

432
00:23:20,119 --> 00:23:22,960
Speaker 1: twelve dollars. But here's a reality. If you think you're

433
00:23:22,960 --> 00:23:26,960
Speaker 1: saving money in any possible way with any food delivery service,

434
00:23:28,359 --> 00:23:32,720
Speaker 1: you are absolutely just out of your mind right now.

435
00:23:32,800 --> 00:23:37,080
Speaker 1: Because food delivery is not cheap. It is not a

436
00:23:37,119 --> 00:23:40,800
Speaker 1: deal it is It's never going to be a better

437
00:23:40,840 --> 00:23:43,840
Speaker 1: deal than going and picking up the food yourself or

438
00:23:44,359 --> 00:23:47,840
Speaker 1: cooking at home. Now, with that said, is it convenient,

439
00:23:48,000 --> 00:23:51,240
Speaker 1: of course, is it nice to have, Yes, But to

440
00:23:51,359 --> 00:23:53,960
Speaker 1: think that you're saving money somehow even with one of

441
00:23:54,000 --> 00:23:57,160
Speaker 1: these Grubhub Plus memberships, you're not. You're gonna be spending

442
00:23:57,200 --> 00:24:00,760
Speaker 1: more on delivery because you actually have this member. Amazon

443
00:24:00,800 --> 00:24:03,040
Speaker 1: knows that, Grubhub knows that. Why do you think they're

444
00:24:03,080 --> 00:24:05,760
Speaker 1: offering it to you for free? Now, with all that said, yes,

445
00:24:05,920 --> 00:24:08,879
Speaker 1: I have Door Dash whatever they call it, dash Pass.

446
00:24:09,240 --> 00:24:11,719
Speaker 1: It's included in my credit card, so I have it.

447
00:24:12,119 --> 00:24:14,280
Speaker 1: Do I spend money on it once in a while? Yes?

448
00:24:14,400 --> 00:24:18,320
Speaker 1: I do. Is it more expensive than buying salads that

449
00:24:18,400 --> 00:24:21,000
Speaker 1: I can go and make myself or pick up? Absolutely?

450
00:24:21,400 --> 00:24:23,399
Speaker 1: Was it really convenient the other night when I just

451
00:24:23,440 --> 00:24:25,560
Speaker 1: wanted dinner fast on the table, when I was just

452
00:24:25,560 --> 00:24:28,680
Speaker 1: home with the kids by myself. Sure? Did I overspend

453
00:24:28,800 --> 00:24:32,120
Speaker 1: on salads? Of course I did. Was it easy? Cheat?

454
00:24:32,520 --> 00:24:34,919
Speaker 1: Not cheap? But was it easy and simple? Yes? It was.

455
00:24:35,280 --> 00:24:37,680
Speaker 1: So I'm not saying you can't do this, but I'm

456
00:24:37,720 --> 00:24:40,640
Speaker 1: just saying, don't think that you're like getting ahead by

457
00:24:40,640 --> 00:24:44,199
Speaker 1: getting this free Grubhub perk from Amazon. This is a

458
00:24:44,280 --> 00:24:49,280
Speaker 1: marketing deal. It helps Amazon, it helps Grubhub, and that's

459
00:24:49,320 --> 00:24:53,200
Speaker 1: the reality here. Normally Grubhub Plus is nine ninety nine

460
00:24:53,200 --> 00:24:55,639
Speaker 1: a month. Once you activate it, you will get twelve

461
00:24:55,760 --> 00:24:59,359
Speaker 1: months free, or I should say twelve months included in

462
00:24:59,400 --> 00:25:02,680
Speaker 1: your prime membership. Now, after the twelve months. It does

463
00:25:02,760 --> 00:25:06,160
Speaker 1: auto renew, so you need to realize either you put

464
00:25:06,200 --> 00:25:08,919
Speaker 1: something on your calendar that says cancel before the end

465
00:25:08,960 --> 00:25:12,119
Speaker 1: of the time, or you just go ahead and cancel

466
00:25:12,240 --> 00:25:16,160
Speaker 1: immediately someplace I always check whenever I sign up for something,

467
00:25:16,160 --> 00:25:18,040
Speaker 1: I always check to see if I can cancel my

468
00:25:18,200 --> 00:25:22,080
Speaker 1: subscription or membership or whatever immediately, and if I can,

469
00:25:22,200 --> 00:25:24,760
Speaker 1: I'll do that. Sometimes it'll just say it'll say on

470
00:25:24,840 --> 00:25:27,160
Speaker 1: the you know, in the account settings, it'll say, if

471
00:25:27,160 --> 00:25:30,520
Speaker 1: you cancel now, you will still have access to your

472
00:25:32,080 --> 00:25:36,119
Speaker 1: to your whatever through the date. So it will tell

473
00:25:36,160 --> 00:25:38,359
Speaker 1: you that. On Apple you can do that a lot,

474
00:25:38,560 --> 00:25:41,639
Speaker 1: except with a lot of the Apple subscriptions, on a

475
00:25:41,640 --> 00:25:44,119
Speaker 1: lot of the uh you know, you know, third party apps,

476
00:25:44,840 --> 00:25:47,800
Speaker 1: But you just have to check. Like I sign up

477
00:25:47,800 --> 00:25:50,200
Speaker 1: for a free trial of Paramount Plus the other day,

478
00:25:50,640 --> 00:25:53,000
Speaker 1: and you could go in right after you sign up

479
00:25:53,000 --> 00:25:57,080
Speaker 1: and just cancel, but you'll still have your Paramount Plus

480
00:25:57,080 --> 00:25:58,840
Speaker 1: membership through the end of the time. You can you

481
00:25:58,840 --> 00:26:01,800
Speaker 1: can tell usually if you can do it right on

482
00:26:01,880 --> 00:26:03,879
Speaker 1: the page on your account when you go to cancel,

483
00:26:03,960 --> 00:26:07,320
Speaker 1: it should usually tell you you'll still have access. Again,

484
00:26:07,440 --> 00:26:10,120
Speaker 1: speaking of scams, this wasn't a scam, but I totally

485
00:26:10,160 --> 00:26:14,000
Speaker 1: paid for two months or three months worth of Audible

486
00:26:14,880 --> 00:26:18,080
Speaker 1: after I meant to cancel, because I just kept forgetting

487
00:26:18,080 --> 00:26:20,439
Speaker 1: to cancel. It was on my list. But again I

488
00:26:20,440 --> 00:26:22,720
Speaker 1: got charged three months, you know, one month, two month,

489
00:26:22,760 --> 00:26:26,040
Speaker 1: three months at fourteen ninety five for stuff I didn't

490
00:26:26,080 --> 00:26:28,000
Speaker 1: really want to buy. But is it the end of

491
00:26:28,000 --> 00:26:30,479
Speaker 1: the world. No, So what I did was I finally

492
00:26:30,520 --> 00:26:33,560
Speaker 1: canceled because I remember to do it, But I, you know,

493
00:26:33,680 --> 00:26:36,560
Speaker 1: just bought three books. When you the thing they changed

494
00:26:36,560 --> 00:26:40,200
Speaker 1: about Audible it used to be even if you canceled

495
00:26:40,240 --> 00:26:44,040
Speaker 1: your membership, your Audible credits would last and you could

496
00:26:44,040 --> 00:26:46,520
Speaker 1: still use those even after you cancel. Well, Amazon got

497
00:26:46,600 --> 00:26:48,360
Speaker 1: hipped to that and they said, oh, let's actually make

498
00:26:48,359 --> 00:26:50,600
Speaker 1: this a little tougher for people. Let's make them make

499
00:26:50,640 --> 00:26:54,560
Speaker 1: their decisions now before they cancel. And so if let's

500
00:26:54,600 --> 00:26:57,040
Speaker 1: say you have two credits in your Audible membership and

501
00:26:57,080 --> 00:26:58,840
Speaker 1: you say I want to cancel, It'll say, okay, you're

502
00:26:58,840 --> 00:27:01,000
Speaker 1: gonna lose these credits right away. So you have to

503
00:27:01,000 --> 00:27:03,119
Speaker 1: go back in. You got to shop for books, you

504
00:27:03,160 --> 00:27:04,919
Speaker 1: got to use those credits, and you have to cancel.

505
00:27:04,960 --> 00:27:07,920
Speaker 1: And so what happened to me is that I started

506
00:27:07,920 --> 00:27:11,120
Speaker 1: this little process of buying and using the audible credits,

507
00:27:11,280 --> 00:27:13,359
Speaker 1: but then I kind of forgot to go back and cancel,

508
00:27:13,760 --> 00:27:15,639
Speaker 1: and so that happened another month, and then it happened

509
00:27:15,680 --> 00:27:17,960
Speaker 1: another month, and finally this month I remembered and I

510
00:27:18,000 --> 00:27:21,480
Speaker 1: did it. So would I call it a scam, No,

511
00:27:21,680 --> 00:27:24,360
Speaker 1: It's it's kind of like they just are getting over

512
00:27:24,440 --> 00:27:28,080
Speaker 1: on you because you're just forgetting. You get busy and

513
00:27:28,320 --> 00:27:31,320
Speaker 1: you kind of forget about this stuff. So anyway, when

514
00:27:31,359 --> 00:27:36,520
Speaker 1: in doubt, you can cancel things immediately and or set

515
00:27:36,560 --> 00:27:42,000
Speaker 1: a reminder to trigger, but you know, just make sure

516
00:27:42,000 --> 00:27:47,600
Speaker 1: you don't get taken like I did. All right, uh,

517
00:27:48,400 --> 00:27:51,000
Speaker 1: Stacy says Rome question. I want to be sure I

518
00:27:51,080 --> 00:27:52,800
Speaker 1: have the right tap to pay. I sent you a

519
00:27:52,840 --> 00:27:54,840
Speaker 1: message on Instagram, but I don't know if you see

520
00:27:54,840 --> 00:27:58,119
Speaker 1: those is the tap to pay by off Gate. Thanks

521
00:27:58,160 --> 00:28:03,440
Speaker 1: for everything, Stacy sent from my iPhone. So, Stacey, it's

522
00:28:03,440 --> 00:28:05,480
Speaker 1: actually funny. I got this question a couple of times.

523
00:28:05,520 --> 00:28:07,320
Speaker 1: And this is why I try to explain things in

524
00:28:07,520 --> 00:28:11,560
Speaker 1: very easy to understand terms. Because I mentioned in my

525
00:28:11,760 --> 00:28:13,560
Speaker 1: Rome piece I did a piece, you know, I went

526
00:28:13,600 --> 00:28:16,639
Speaker 1: to Rome. I did a little kind of travel tips

527
00:28:16,640 --> 00:28:19,360
Speaker 1: piece when I came back to KTLA and I mentioned

528
00:28:19,359 --> 00:28:21,080
Speaker 1: that you should set up tap to pay on your

529
00:28:21,119 --> 00:28:24,560
Speaker 1: phone because it's accepted nearly everywhere you travel, and it's

530
00:28:24,600 --> 00:28:27,760
Speaker 1: really easy, it's safe, it's secure, it's fast, and I

531
00:28:27,800 --> 00:28:31,480
Speaker 1: was very surprised how many places in Rome took tap

532
00:28:31,520 --> 00:28:33,400
Speaker 1: to pay. It was just very, very easy to use.

533
00:28:34,000 --> 00:28:36,679
Speaker 1: And a lot of people texted me and said, rich,

534
00:28:36,400 --> 00:28:39,120
Speaker 1: which app is tap to pay? I see a bunch

535
00:28:39,200 --> 00:28:41,840
Speaker 1: of them, and I had I didn't realize I have

536
00:28:41,880 --> 00:28:44,120
Speaker 1: to explain this, but I should explain this. But tap

537
00:28:44,200 --> 00:28:47,480
Speaker 1: to pay is the technology, it's not the app. But

538
00:28:47,560 --> 00:28:49,640
Speaker 1: I am sure if you search in the app Store,

539
00:28:49,920 --> 00:28:52,560
Speaker 1: there are a bunch of scammy apps that use the

540
00:28:52,640 --> 00:28:56,080
Speaker 1: term tap to pay so that you download them. And

541
00:28:56,200 --> 00:28:58,920
Speaker 1: I don't know what their endgame is, but they probably

542
00:28:59,280 --> 00:29:02,160
Speaker 1: either try to ski or get some sort of payment

543
00:29:02,200 --> 00:29:04,000
Speaker 1: out of you. I'm not sure. I haven't looked them up,

544
00:29:04,200 --> 00:29:06,120
Speaker 1: but I got this question enough where I realize that

545
00:29:06,160 --> 00:29:08,800
Speaker 1: clearly there are those apps in the app Store. So

546
00:29:09,720 --> 00:29:13,040
Speaker 1: tap to pay is the technology that means that you

547
00:29:13,080 --> 00:29:17,200
Speaker 1: hold your phone over a reader making a tapping motion.

548
00:29:17,280 --> 00:29:19,360
Speaker 1: You don't actually have to touch your phone to the reader,

549
00:29:19,720 --> 00:29:23,000
Speaker 1: but you hold your phone over this little receiver on

550
00:29:23,120 --> 00:29:25,560
Speaker 1: the reader. It looks like a little Wi Fi symbol

551
00:29:25,640 --> 00:29:29,560
Speaker 1: on its side, and you tap there or you hover there,

552
00:29:30,040 --> 00:29:34,080
Speaker 1: and your phone exchanges the payment information with the terminal,

553
00:29:34,400 --> 00:29:37,600
Speaker 1: So instead of swiping, instead of dipping your card, you

554
00:29:37,760 --> 00:29:42,040
Speaker 1: just hover your phone and it wirelessly transmits your credit

555
00:29:42,120 --> 00:29:45,320
Speaker 1: or debit card number to the reader. And what I

556
00:29:45,400 --> 00:29:47,680
Speaker 1: like about Tap to Pay is that it transmits a

557
00:29:47,720 --> 00:29:50,920
Speaker 1: one time code. So if you're using a debit card

558
00:29:51,040 --> 00:29:54,000
Speaker 1: or a credit card credit card, I know we don't

559
00:29:54,000 --> 00:29:56,480
Speaker 1: care as much, but you still should care because if

560
00:29:56,520 --> 00:29:58,520
Speaker 1: you do have to change your number if it's hacked,

561
00:29:58,840 --> 00:30:00,800
Speaker 1: it's a pain because that happened to me, and it's

562
00:30:00,840 --> 00:30:02,840
Speaker 1: like I'm still getting like, oh, your credit card can't

563
00:30:02,840 --> 00:30:06,840
Speaker 1: be authorized. Ugh. So with debit card, it's definitely most

564
00:30:06,880 --> 00:30:09,200
Speaker 1: annoying because it's linked to your checking account and that

565
00:30:09,280 --> 00:30:12,360
Speaker 1: money goes away very quickly. So what you want to

566
00:30:12,400 --> 00:30:14,920
Speaker 1: do is set up your credit or your debit card

567
00:30:15,000 --> 00:30:18,200
Speaker 1: on this Tap to pay and it transmits a one

568
00:30:18,280 --> 00:30:22,240
Speaker 1: time code, which means if that retailer is ever hacked,

569
00:30:22,920 --> 00:30:25,600
Speaker 1: your number is safe. Because all the numbers that these

570
00:30:25,600 --> 00:30:27,840
Speaker 1: hackers get on the back end when they hack something,

571
00:30:28,400 --> 00:30:30,920
Speaker 1: it won't work. It only worked that one time, and

572
00:30:31,000 --> 00:30:33,360
Speaker 1: so that's what's really nice about tap to pay and

573
00:30:33,400 --> 00:30:37,560
Speaker 1: that's also why I recommend using it now. There are

574
00:30:37,680 --> 00:30:41,479
Speaker 1: three tap to pay apps in the US that I

575
00:30:41,520 --> 00:30:44,480
Speaker 1: know of that work on the iPhone. It's just one.

576
00:30:44,760 --> 00:30:49,240
Speaker 1: It's Apple Pay. And Apple has not been forced to

577
00:30:49,320 --> 00:30:52,040
Speaker 1: open up their tap to pay to any other third

578
00:30:52,080 --> 00:30:55,920
Speaker 1: party app, although I think some of the companies are

579
00:30:56,080 --> 00:30:59,560
Speaker 1: trying to get that changed because tap to pay could

580
00:30:59,560 --> 00:31:03,240
Speaker 1: be from anyone the other ones. On an Apple Pay

581
00:31:03,280 --> 00:31:05,360
Speaker 1: is built into the iPhone. You just have to set

582
00:31:05,360 --> 00:31:07,320
Speaker 1: it up. You can open up Apple Walla and set

583
00:31:07,360 --> 00:31:10,200
Speaker 1: it up on the Android. You have your choice of

584
00:31:10,240 --> 00:31:13,960
Speaker 1: two that I know of, and that is Google Pay

585
00:31:14,000 --> 00:31:18,280
Speaker 1: and then Samsung Pay. And I don't know if Samsung

586
00:31:18,320 --> 00:31:21,840
Speaker 1: Pay works on non Samsung Pay devices, but you can

587
00:31:21,840 --> 00:31:26,560
Speaker 1: try it. Samsung Pay versus Google Pay is really a preference.

588
00:31:27,080 --> 00:31:30,280
Speaker 1: I used to prefer Samsung Pay because it had a

589
00:31:30,280 --> 00:31:33,560
Speaker 1: little trick built into the Samsung phones, and that is

590
00:31:33,760 --> 00:31:37,479
Speaker 1: it worked even on credit card terminals that were not

591
00:31:37,600 --> 00:31:42,520
Speaker 1: Tapped to Pay enabled. I know, very complicated, but Samsung

592
00:31:42,840 --> 00:31:45,080
Speaker 1: very many years ago bought this company. I think it

593
00:31:45,120 --> 00:31:48,520
Speaker 1: was called loop that they had a wireless technology that

594
00:31:48,560 --> 00:31:52,040
Speaker 1: would broadcast a signal. They had a special antenna inside

595
00:31:52,080 --> 00:31:57,520
Speaker 1: Samsung phones that would broadcast a signal to the magnetic

596
00:31:57,600 --> 00:32:02,160
Speaker 1: stripe receiver on a credit card terminal, and you actually

597
00:32:02,160 --> 00:32:04,640
Speaker 1: really kind of just tapped your phone there. Your phone

598
00:32:04,680 --> 00:32:09,000
Speaker 1: would somehow emit a strong enough magnetic signal that this

599
00:32:09,080 --> 00:32:13,280
Speaker 1: magnetic reader could read, and it would work on any

600
00:32:14,920 --> 00:32:18,040
Speaker 1: credit card terminal, even credit card terminals before tap to

601
00:32:18,080 --> 00:32:20,600
Speaker 1: pay was a big thing. I'll never forget trying this

602
00:32:20,640 --> 00:32:23,520
Speaker 1: out for the first time. I was at someplace in

603
00:32:23,560 --> 00:32:27,120
Speaker 1: Marina del Rey here in California, and it was like

604
00:32:27,120 --> 00:32:30,720
Speaker 1: a lunch place, and the credit card reader was one

605
00:32:30,720 --> 00:32:34,160
Speaker 1: of those that were like a swipe on the actual

606
00:32:34,760 --> 00:32:37,080
Speaker 1: like you know, the cashier is sitting behind a screen

607
00:32:37,080 --> 00:32:39,520
Speaker 1: where it's like a touch screen where they tap and

608
00:32:39,560 --> 00:32:42,200
Speaker 1: some of them are swivel mounted now, but back then

609
00:32:42,280 --> 00:32:46,640
Speaker 1: it was just literally a fixed terminal with a touch

610
00:32:46,680 --> 00:32:49,560
Speaker 1: screen and then a swipe reader on the right. And

611
00:32:49,600 --> 00:32:53,240
Speaker 1: so the person was like, Okay, it'll be whatever, ten

612
00:32:53,280 --> 00:32:56,040
Speaker 1: dollars forty eight cents and let me, you know, swipe

613
00:32:56,080 --> 00:32:59,280
Speaker 1: your card. And I said, oh, I said, I'm testing

614
00:32:59,320 --> 00:33:02,560
Speaker 1: this new tech. Where I can use my phone as

615
00:33:02,560 --> 00:33:04,120
Speaker 1: a credit card, and they're like, oh, that's not gonna work.

616
00:33:04,160 --> 00:33:06,480
Speaker 1: I'm like, no, no, it will work. But sure enough

617
00:33:06,480 --> 00:33:08,840
Speaker 1: it didn't work. But I'm sitting there like tapping the

618
00:33:08,920 --> 00:33:11,240
Speaker 1: side of their terminal. They probably thought I was like

619
00:33:11,240 --> 00:33:14,040
Speaker 1: trying to hack the system because nobody knew about this,

620
00:33:14,480 --> 00:33:18,080
Speaker 1: you know, this Samsung tap to pay system. It was

621
00:33:18,200 --> 00:33:21,280
Speaker 1: so embarrassing. It ended up not working, and I kept saying,

622
00:33:21,320 --> 00:33:23,160
Speaker 1: let me try one more time, and the cashier was

623
00:33:23,200 --> 00:33:25,560
Speaker 1: actually friendly enough to let me try it a couple

624
00:33:25,640 --> 00:33:28,200
Speaker 1: times before they're like, all right, kid, no more, We're

625
00:33:28,240 --> 00:33:30,440
Speaker 1: done with this. You know, do you have a regular

626
00:33:30,440 --> 00:33:33,160
Speaker 1: credit card? And so finally it didn't work and I

627
00:33:33,240 --> 00:33:35,400
Speaker 1: got my regular credit card out. But at the end

628
00:33:35,400 --> 00:33:38,200
Speaker 1: of the day, the Samsung system was kind of cool

629
00:33:38,240 --> 00:33:40,240
Speaker 1: because it would work in a lot of mom and

630
00:33:40,240 --> 00:33:43,520
Speaker 1: pop shops that didn't have tap to pay set up

631
00:33:43,600 --> 00:33:46,600
Speaker 1: just yet, but the credit card terminal was there typically

632
00:33:46,640 --> 00:33:49,080
Speaker 1: where you either swipe your card or dip it. But

633
00:33:49,160 --> 00:33:50,880
Speaker 1: it was kind of cool. But then they ended up

634
00:33:51,160 --> 00:33:55,840
Speaker 1: stopping that technology. They stopped building it into their phones.

635
00:33:55,880 --> 00:33:58,720
Speaker 1: I forget which phone. It was either the S twenty

636
00:33:58,880 --> 00:34:00,479
Speaker 1: or the S twenty one. I think it was yes,

637
00:34:00,560 --> 00:34:04,520
Speaker 1: twenty maybe, but they stopped building that technology in and

638
00:34:04,600 --> 00:34:06,840
Speaker 1: so that's when I stopped favoring Samsung Pay because it

639
00:34:06,920 --> 00:34:10,160
Speaker 1: was there's no longer an advantage over Google Pay unless

640
00:34:10,160 --> 00:34:13,480
Speaker 1: you just like the way Samsung Pay worked. But just

641
00:34:13,800 --> 00:34:16,160
Speaker 1: these little things I have over the years. You know,

642
00:34:16,160 --> 00:34:19,520
Speaker 1: I've been working at KTLA and testing technology for like

643
00:34:19,520 --> 00:34:22,439
Speaker 1: what fifteen years now, and so well, I've been working

644
00:34:22,480 --> 00:34:25,040
Speaker 1: at KTLA for over ten but before that, I did

645
00:34:25,080 --> 00:34:28,400
Speaker 1: cover technology as well for cnet and some other places,

646
00:34:28,480 --> 00:34:31,520
Speaker 1: and so I've been testing technology in one form or

647
00:34:31,520 --> 00:34:33,720
Speaker 1: another for many many years. And it's just so funny

648
00:34:33,760 --> 00:34:35,279
Speaker 1: the things that you have to do. You know, Like

649
00:34:35,320 --> 00:34:37,120
Speaker 1: I was on a plane once and I was testing

650
00:34:37,120 --> 00:34:41,040
Speaker 1: out a VR headset for watching a movie, and it's

651
00:34:41,080 --> 00:34:42,680
Speaker 1: just like people were probably looking at me like what

652
00:34:43,120 --> 00:34:46,319
Speaker 1: in the world is this person doing, you know, And

653
00:34:46,360 --> 00:34:48,360
Speaker 1: it's the thing, the silly little things you have to

654
00:34:48,400 --> 00:34:51,320
Speaker 1: do to test out this technology. You know, we're on vacation,

655
00:34:51,560 --> 00:34:53,160
Speaker 1: I asked my wife, I'm like, hey, do you mind

656
00:34:53,200 --> 00:34:55,640
Speaker 1: if we, you know, use this thing on the beach

657
00:34:55,840 --> 00:34:57,359
Speaker 1: or you know, can you can you get a shot

658
00:34:57,400 --> 00:35:00,120
Speaker 1: of me trying this out or whatever, and it's it's

659
00:35:00,160 --> 00:35:02,080
Speaker 1: just always like kind of a little eye roll. But

660
00:35:02,120 --> 00:35:04,120
Speaker 1: now I've got kids in on it, so my kids

661
00:35:04,160 --> 00:35:05,879
Speaker 1: will really help me out. I'll be like, hey, can

662
00:35:05,920 --> 00:35:08,200
Speaker 1: you just get a shot of me doing this or whatever.

663
00:35:08,640 --> 00:35:10,840
Speaker 1: But it is fun. It's just funny the things that

664
00:35:10,920 --> 00:35:14,400
Speaker 1: you you know, technology is evolving, it's ever changing, and

665
00:35:14,440 --> 00:35:16,920
Speaker 1: it doesn't always work exactly the way it's supposed to

666
00:35:17,040 --> 00:35:19,920
Speaker 1: on day one, and so you know, but I do

667
00:35:20,040 --> 00:35:22,799
Speaker 1: enjoy testing this stuff out. It just takes a little

668
00:35:22,800 --> 00:35:25,640
Speaker 1: bit longer and people think you're a little bit nutty

669
00:35:25,640 --> 00:35:30,640
Speaker 1: sometimes anyway, So those are the tap to pay situations

670
00:35:30,640 --> 00:35:32,719
Speaker 1: you need to be aware of. Pick an app, whether

671
00:35:32,760 --> 00:35:36,040
Speaker 1: it's Apple Pay on your iPhone, definitely definitely use it,

672
00:35:36,800 --> 00:35:39,760
Speaker 1: or pick Google Pay or Samsung Pay on the Android.

673
00:35:40,560 --> 00:35:44,080
Speaker 1: All right, let's get to the next story of the week.

674
00:35:44,920 --> 00:35:47,959
Speaker 1: E three is returning in twenty twenty three. E three

675
00:35:48,040 --> 00:35:50,480
Speaker 1: I call it the Video Game Convention now it's more

676
00:35:50,480 --> 00:35:54,839
Speaker 1: of an interactive entertainment show. It's finally coming back to

677
00:35:54,880 --> 00:35:58,000
Speaker 1: the Los Angeles Convention Center the second week of June

678
00:35:58,120 --> 00:36:02,160
Speaker 1: twenty twenty three. Many people thought this show was completely dead.

679
00:36:02,600 --> 00:36:04,360
Speaker 1: It has been put on for many years by the

680
00:36:04,480 --> 00:36:08,360
Speaker 1: Entertainment Software Association. It looks like they still own the show,

681
00:36:08,719 --> 00:36:10,839
Speaker 1: but it went away during COVID and then it kind

682
00:36:10,880 --> 00:36:13,000
Speaker 1: of came back as a virtual thing, you know, but

683
00:36:13,160 --> 00:36:17,080
Speaker 1: it was not. It just lost its luster. In person

684
00:36:17,480 --> 00:36:19,000
Speaker 1: still the way to go with a lot of these

685
00:36:19,040 --> 00:36:22,640
Speaker 1: big shows, and it is coming back. They made an

686
00:36:22,640 --> 00:36:27,080
Speaker 1: announcement that they are now teaming up with this company

687
00:36:27,320 --> 00:36:30,759
Speaker 1: called whereas it read pop, I guess. They put on

688
00:36:30,800 --> 00:36:33,560
Speaker 1: a lot of shows, including packs, the New York Comic

689
00:36:33,600 --> 00:36:38,200
Speaker 1: Con and Star Wars celebration. So E three twenty twenty

690
00:36:38,239 --> 00:36:42,560
Speaker 1: three will welcome back publishers, developers, journalists, content creators, manufacturers, buyers,

691
00:36:42,600 --> 00:36:46,960
Speaker 1: and licensers. The event will highlight digital showcases and feature

692
00:36:47,040 --> 00:36:50,279
Speaker 1: in person consumer components. So it sounds like this is

693
00:36:50,280 --> 00:36:53,480
Speaker 1: a win for video game fans. In recent years it

694
00:36:53,520 --> 00:36:56,080
Speaker 1: has been open to the public. It looks like they

695
00:36:56,080 --> 00:37:01,279
Speaker 1: will probably continue to do that again. Registration will be

696
00:37:01,440 --> 00:37:07,000
Speaker 1: announced in late twenty twenty two. Media creators, industry professionals

697
00:37:07,080 --> 00:37:10,160
Speaker 1: and fans. There you go. Fans are encouraged to visit

698
00:37:10,200 --> 00:37:13,680
Speaker 1: the website for updates. SO again E three returning in

699
00:37:13,760 --> 00:37:17,920
Speaker 1: twenty twenty three. So video game. Folks, mark your calendar

700
00:37:18,000 --> 00:37:20,719
Speaker 1: second week of June if you want to travel to

701
00:37:20,800 --> 00:37:23,640
Speaker 1: Los Angeles or just kind of if you're in LA.

702
00:37:24,280 --> 00:37:27,640
Speaker 1: Definitely a place to go. COVID took a really hard

703
00:37:27,719 --> 00:37:29,759
Speaker 1: hit on a lot of these in person things, but

704
00:37:29,880 --> 00:37:32,080
Speaker 1: this is the year a lot of them are coming

705
00:37:32,120 --> 00:37:34,799
Speaker 1: back or potentially next year if they couldn't get their

706
00:37:34,800 --> 00:37:42,440
Speaker 1: act together for this year. All right, let's get to

707
00:37:42,520 --> 00:37:48,239
Speaker 1: the next question. Let's see this comes from no one.

708
00:37:48,480 --> 00:37:50,400
Speaker 1: They didn't put a name. I would like to purchase

709
00:37:50,480 --> 00:37:52,960
Speaker 1: the locator tags to put on my trailer and off

710
00:37:53,040 --> 00:37:55,560
Speaker 1: road car. I am not an Apple person. I have

711
00:37:55,680 --> 00:37:58,240
Speaker 1: looked at several that need to be charged every two weeks.

712
00:37:58,239 --> 00:38:02,040
Speaker 1: What type do you recommend? Thank you? If you don't

713
00:38:02,040 --> 00:38:05,120
Speaker 1: have Apple products, I would recommend Tile instead of Apple.

714
00:38:07,360 --> 00:38:08,960
Speaker 1: The ones that you're looking at that need to be

715
00:38:09,040 --> 00:38:13,640
Speaker 1: charged every two weeks, those are GPS receivers and if

716
00:38:13,680 --> 00:38:18,280
Speaker 1: you really want like the most secure tag for your

717
00:38:18,560 --> 00:38:21,080
Speaker 1: trailer and off road car, yes, I would recommend those.

718
00:38:21,120 --> 00:38:23,720
Speaker 1: I know there's a bunch of I think T Mobile

719
00:38:23,719 --> 00:38:27,759
Speaker 1: makes one that's a GPS tracker. There are some other

720
00:38:27,840 --> 00:38:30,160
Speaker 1: ones out there, but the reality is if it's a

721
00:38:30,200 --> 00:38:34,000
Speaker 1: GPS tracker. The battery is gonna die very quickly because

722
00:38:34,040 --> 00:38:38,240
Speaker 1: GPS takes a lot of battery to continually update the location.

723
00:38:38,760 --> 00:38:40,480
Speaker 1: The way that the air tags work and the way

724
00:38:40,520 --> 00:38:44,960
Speaker 1: that TILE works is a combination of Bluetooth and a

725
00:38:45,040 --> 00:38:49,200
Speaker 1: finding network, and so there is not actual GPS on

726
00:38:49,400 --> 00:38:54,240
Speaker 1: these devices. What's happening is when a locator device gets nearby,

727
00:38:54,800 --> 00:38:58,480
Speaker 1: and a locator device could be an Android phone with

728
00:38:58,600 --> 00:39:02,080
Speaker 1: the Tile app installed on it, or an iPhone that

729
00:39:02,239 --> 00:39:06,120
Speaker 1: is just nearby with the air tags, or I guess

730
00:39:06,120 --> 00:39:10,400
Speaker 1: with Tile as well. But those devices kind of ping

731
00:39:11,120 --> 00:39:13,960
Speaker 1: the locator device and they say, oh, okay, here I am,

732
00:39:14,520 --> 00:39:16,600
Speaker 1: and the locator device says, okay, I know I'm in

733
00:39:16,640 --> 00:39:19,319
Speaker 1: this little area, so that must be the area that

734
00:39:19,400 --> 00:39:23,000
Speaker 1: the tag is in. So they're not exact, they're not precise,

735
00:39:23,080 --> 00:39:25,360
Speaker 1: and they're not real time, but they still give you

736
00:39:25,400 --> 00:39:28,160
Speaker 1: a pretty good idea of where things are. And they

737
00:39:28,160 --> 00:39:32,239
Speaker 1: also have built in audible tones, and when it's when

738
00:39:32,320 --> 00:39:35,600
Speaker 1: it's within range of Bluetooth, like near your phone, you

739
00:39:35,640 --> 00:39:37,880
Speaker 1: can use a Bluetooth to really hone in on the

740
00:39:37,920 --> 00:39:42,440
Speaker 1: location of these tags specifically, So if you don't have Apple,

741
00:39:42,480 --> 00:39:45,640
Speaker 1: I would recommend looking into Tile. Tile is the second

742
00:39:45,800 --> 00:39:49,640
Speaker 1: best when it comes to the locator tags, and I

743
00:39:49,680 --> 00:39:53,520
Speaker 1: would say they are a distant second because Apple just

744
00:39:53,560 --> 00:39:57,960
Speaker 1: has way more, way, way, way more products attempting to

745
00:39:58,000 --> 00:40:03,080
Speaker 1: locate their tags than Tie does and Tile has. They're

746
00:40:03,080 --> 00:40:05,880
Speaker 1: getting better because I think people have really ramped up

747
00:40:05,920 --> 00:40:08,160
Speaker 1: the knowledge of these tags, and so more people are

748
00:40:08,280 --> 00:40:10,440
Speaker 1: using Tile because of air tag is kind of the

749
00:40:10,520 --> 00:40:15,640
Speaker 1: halo effect. But also I think that Amazon activated what's

750
00:40:15,680 --> 00:40:19,799
Speaker 1: called Amazon Sidewalk, which also works with Tile, so many

751
00:40:19,880 --> 00:40:23,800
Speaker 1: more devices are sort of linked in to this finding

752
00:40:24,280 --> 00:40:28,040
Speaker 1: network for Tile. But that's what I recommend. Check them out.

753
00:40:28,120 --> 00:40:30,319
Speaker 1: And you know, I don't know if it's gonna work,

754
00:40:30,400 --> 00:40:32,400
Speaker 1: but it's better to have it on there than to not.

755
00:40:33,640 --> 00:40:37,680
Speaker 1: All right, let's talk about what do you want to

756
00:40:37,719 --> 00:40:40,080
Speaker 1: talk about gas prices? Let's talk about gas prices. So

757
00:40:40,120 --> 00:40:42,920
Speaker 1: I did a segment on KTLA about expensive gas prices.

758
00:40:42,960 --> 00:40:45,319
Speaker 1: I know, very expensive, but I was trying to find

759
00:40:45,320 --> 00:40:49,200
Speaker 1: some new ways to sort of, you know, cut down

760
00:40:49,200 --> 00:40:52,000
Speaker 1: on some of these expensive gas prices. So I saw

761
00:40:53,480 --> 00:40:55,959
Speaker 1: a lot of these gas stations want you to pay

762
00:40:56,000 --> 00:40:59,640
Speaker 1: through their app. So I noticed seventy six has an app,

763
00:41:00,160 --> 00:41:03,239
Speaker 1: has an app exon mobile has an app, and all

764
00:41:03,280 --> 00:41:05,360
Speaker 1: of these apps, the trick is that they want you

765
00:41:05,400 --> 00:41:07,520
Speaker 1: to sign up for their rewards program. They'll give you

766
00:41:07,520 --> 00:41:10,440
Speaker 1: a little bit of either cash back or points based

767
00:41:10,440 --> 00:41:14,120
Speaker 1: on that. But then if you pay by linking your

768
00:41:14,239 --> 00:41:16,959
Speaker 1: checking account, they'll give you a little bit more cash back.

769
00:41:17,000 --> 00:41:19,759
Speaker 1: And I typically would not recommend doing that. I'd say,

770
00:41:19,840 --> 00:41:21,960
Speaker 1: just use your card at the pump because it's much easier.

771
00:41:22,000 --> 00:41:24,520
Speaker 1: It's just quicker. I know a lot of people get

772
00:41:24,520 --> 00:41:29,120
Speaker 1: cash back on their credit cards. So but in this case,

773
00:41:29,440 --> 00:41:32,239
Speaker 1: you know, I think because gas prices are so high,

774
00:41:32,280 --> 00:41:34,280
Speaker 1: you've got to look for some new ways of saving

775
00:41:34,360 --> 00:41:37,160
Speaker 1: even more. Anything helps, Even if you could save five

776
00:41:37,160 --> 00:41:39,640
Speaker 1: to ten cents a gallon with the prices this high,

777
00:41:39,680 --> 00:41:42,239
Speaker 1: it's better than nothing. And so what these companies want

778
00:41:42,280 --> 00:41:44,640
Speaker 1: you to do is pay through your checking account. And

779
00:41:44,680 --> 00:41:47,160
Speaker 1: the reason why they like your checking account is because

780
00:41:47,600 --> 00:41:50,120
Speaker 1: they pay less fees and so they pass along some

781
00:41:50,160 --> 00:41:53,680
Speaker 1: of that savings to you. And so I wouldn't typically

782
00:41:53,719 --> 00:41:57,560
Speaker 1: recommend giving out your checking account to various companies. But

783
00:41:57,760 --> 00:42:00,000
Speaker 1: if it does save you some money, do your research

784
00:42:00,040 --> 00:42:02,200
Speaker 1: see if it's worth it. It's only worth it if

785
00:42:02,200 --> 00:42:04,160
Speaker 1: you go to the same station I wouldn't say sign

786
00:42:04,239 --> 00:42:07,239
Speaker 1: up for every rewards app from a gas station and

787
00:42:07,280 --> 00:42:09,520
Speaker 1: put in your checking account number on all of them.

788
00:42:09,560 --> 00:42:12,160
Speaker 1: No way. I think that you pick and choose, like

789
00:42:12,360 --> 00:42:14,759
Speaker 1: one gas station that you like, and then kind of

790
00:42:14,760 --> 00:42:18,360
Speaker 1: hone in on that. Obviously, you can use gas Buddy,

791
00:42:18,680 --> 00:42:21,719
Speaker 1: you can use gas Guru, you can use ways to

792
00:42:21,800 --> 00:42:24,880
Speaker 1: find low gas prices. Also, an app called i Exit

793
00:42:25,000 --> 00:42:28,680
Speaker 1: is really good and their prices are very much updated

794
00:42:28,719 --> 00:42:32,080
Speaker 1: and it can tell you where to go for the

795
00:42:32,120 --> 00:42:34,600
Speaker 1: best gas price, especially when you're traveling on the freeway

796
00:42:35,040 --> 00:42:37,919
Speaker 1: or the highway and you're on a road trip filling up.

797
00:42:38,320 --> 00:42:40,200
Speaker 1: You know, most of the time we just stop at

798
00:42:40,239 --> 00:42:42,880
Speaker 1: the most convenient station. But if you have this power

799
00:42:43,040 --> 00:42:46,520
Speaker 1: and knowledge of knowing that the gas station two stops

800
00:42:46,560 --> 00:42:50,759
Speaker 1: ahead is cheaper than the exit right up ahead, then

801
00:42:51,000 --> 00:42:53,560
Speaker 1: that is good knowledge. It's power, and that will translate

802
00:42:53,640 --> 00:42:56,560
Speaker 1: into savings. The other app that I've been testing out,

803
00:42:56,600 --> 00:42:58,080
Speaker 1: which I think is kind of cool. Now, you know,

804
00:42:58,120 --> 00:43:00,000
Speaker 1: if you listen to this show, I do drive a Teslas,

805
00:43:00,040 --> 00:43:02,480
Speaker 1: so don't say I'm biased and I don't know anything

806
00:43:02,480 --> 00:43:04,319
Speaker 1: about gas price. I still do have a gas car

807
00:43:04,400 --> 00:43:07,440
Speaker 1: in the family, and so it is definitely something that

808
00:43:07,920 --> 00:43:10,080
Speaker 1: we look to save money on when we fill up,

809
00:43:10,760 --> 00:43:13,440
Speaker 1: but this upside app can help you do that because

810
00:43:13,960 --> 00:43:16,479
Speaker 1: it's an app that's like a cash back rewards app.

811
00:43:16,480 --> 00:43:18,600
Speaker 1: And typically I wouldn't really recommend these things in the

812
00:43:18,600 --> 00:43:21,000
Speaker 1: past because they're kind of a hassle. But I did

813
00:43:21,080 --> 00:43:25,000
Speaker 1: test it out, not with gas, but with groceries, and

814
00:43:25,040 --> 00:43:28,439
Speaker 1: so a grocery store was giving a bunch of cash back.

815
00:43:28,480 --> 00:43:31,160
Speaker 1: I think it was like eighteen percent, which is pretty wild.

816
00:43:31,320 --> 00:43:33,360
Speaker 1: So I went in there. You have to So what

817
00:43:33,400 --> 00:43:35,520
Speaker 1: I did was I had to activate the deal from

818
00:43:35,560 --> 00:43:37,560
Speaker 1: the app. Then I had to put in my credit

819
00:43:37,560 --> 00:43:39,839
Speaker 1: card number on the app. You only have to put

820
00:43:39,880 --> 00:43:43,319
Speaker 1: in your first six digits in the last four you

821
00:43:43,360 --> 00:43:45,520
Speaker 1: activate the offer. You go in there and you just

822
00:43:45,560 --> 00:43:48,360
Speaker 1: shop as usual, and that's it. You have like a

823
00:43:48,400 --> 00:43:50,640
Speaker 1: window of time to shop. I think it was four hours.

824
00:43:51,160 --> 00:43:56,640
Speaker 1: And so somehow they figure out that you actually indeed

825
00:43:56,719 --> 00:43:59,480
Speaker 1: shop there. I guess they somehow scour the credit card

826
00:43:59,600 --> 00:44:01,600
Speaker 1: numbers on their back end. I don't know if the

827
00:44:01,640 --> 00:44:03,880
Speaker 1: grocery store shares that with them. I have no idea,

828
00:44:04,440 --> 00:44:07,240
Speaker 1: but somehow the next morning it said, up, we verified

829
00:44:07,280 --> 00:44:10,120
Speaker 1: your purchase, and it knew exactly how much I spent

830
00:44:10,239 --> 00:44:12,640
Speaker 1: and I got my eighteen percent cash back. It was

831
00:44:12,680 --> 00:44:15,759
Speaker 1: like seven bucks. I thought that was pretty cool, and

832
00:44:15,800 --> 00:44:18,120
Speaker 1: it was like somewhere I would go normally to shop.

833
00:44:18,160 --> 00:44:19,920
Speaker 1: It wasn't like I was going out of my way. Now,

834
00:44:19,960 --> 00:44:22,120
Speaker 1: the idea of this app is that it is marketing

835
00:44:22,120 --> 00:44:24,040
Speaker 1: to you. So I've talked about this in the past.

836
00:44:24,320 --> 00:44:26,440
Speaker 1: They are not doing you a favor, They are not

837
00:44:26,680 --> 00:44:29,600
Speaker 1: helping you out. They are marketing to you. So you

838
00:44:29,680 --> 00:44:32,319
Speaker 1: may not know it, but eventually you will purchase a

839
00:44:32,360 --> 00:44:35,359
Speaker 1: pizza at a place that has twenty percent off through

840
00:44:35,360 --> 00:44:37,440
Speaker 1: this app because you think it's a good deal. And

841
00:44:37,520 --> 00:44:40,480
Speaker 1: it may be. But again, this is all marketing, and

842
00:44:40,520 --> 00:44:42,359
Speaker 1: so that's the end game here, is that they're trying

843
00:44:42,400 --> 00:44:45,279
Speaker 1: to get you to eventually spend more money or money

844
00:44:45,280 --> 00:44:47,799
Speaker 1: that you wouldn't typically spend, and that's why they give

845
00:44:47,800 --> 00:44:51,040
Speaker 1: you these cash back deals throughout the the regular money

846
00:44:51,080 --> 00:44:54,839
Speaker 1: that you're spending, to get you to spend even more eventually. Look,

847
00:44:54,880 --> 00:44:57,160
Speaker 1: I'm not saying don't do it. I'm just saying these

848
00:44:57,160 --> 00:44:59,319
Speaker 1: are the facts of how these things work. These things

849
00:44:59,320 --> 00:45:02,800
Speaker 1: are not doing you a favor. They are marketing machines

850
00:45:02,840 --> 00:45:07,279
Speaker 1: that are built to help market things to you. And

851
00:45:07,320 --> 00:45:09,520
Speaker 1: that marketing could be a new restaurant that opens up

852
00:45:09,800 --> 00:45:11,520
Speaker 1: and it may say, hey, twenty five percent off if

853
00:45:11,560 --> 00:45:13,480
Speaker 1: you go get a burger at this new restaurant. But

854
00:45:13,719 --> 00:45:16,040
Speaker 1: I mean, is that a bad thing? Not necessarily if

855
00:45:16,040 --> 00:45:17,759
Speaker 1: you're gonna buy a burger anyway, if you're gonna go

856
00:45:17,800 --> 00:45:20,319
Speaker 1: get dinner anyway, why not go to the places twenty

857
00:45:20,360 --> 00:45:23,760
Speaker 1: five percent off and give it a try so upside app.

858
00:45:24,480 --> 00:45:28,239
Speaker 1: You can find the link on my I'll put it

859
00:45:28,320 --> 00:45:31,800
Speaker 1: on the show notes. But they also have this referral

860
00:45:31,840 --> 00:45:33,640
Speaker 1: system where you can earn money off of people that

861
00:45:33,719 --> 00:45:36,319
Speaker 1: sign up under you and then people that sign up

862
00:45:36,400 --> 00:45:38,400
Speaker 1: under them. So it's kind of like a little pyramid scheme,

863
00:45:39,080 --> 00:45:41,359
Speaker 1: although I technically don't know if it's called that. I'm

864
00:45:41,400 --> 00:45:43,959
Speaker 1: not saying it's that, but it feels that way because

865
00:45:44,000 --> 00:45:46,520
Speaker 1: anyone who signs up under your link, you get a

866
00:45:46,520 --> 00:45:48,960
Speaker 1: little cash back from them, and anyone who signs up

867
00:45:49,000 --> 00:45:50,480
Speaker 1: from them, you get a little off of them. It's

868
00:45:50,560 --> 00:45:52,879
Speaker 1: kind of like this little thing, but it does add

869
00:45:52,960 --> 00:45:55,360
Speaker 1: up and it seems to be worth it. I mean, look,

870
00:45:55,600 --> 00:45:57,320
Speaker 1: if you're gonna save money on gas going to the

871
00:45:57,360 --> 00:45:59,399
Speaker 1: station that you typically go to and it's a better deal.

872
00:45:59,480 --> 00:46:02,480
Speaker 1: Why not? But again I did try it, so I

873
00:46:02,560 --> 00:46:04,960
Speaker 1: was telling you about that one. So upside app is

874
00:46:05,760 --> 00:46:12,480
Speaker 1: the details on that. Pam says, Hey, Rich, happy fourth.

875
00:46:12,520 --> 00:46:16,200
Speaker 1: Can you recommend a monthly budget slash bill tracker app?

876
00:46:16,200 --> 00:46:18,920
Speaker 1: There are so many out there as always, Thank you, Pam, Pam.

877
00:46:19,400 --> 00:46:21,880
Speaker 1: I don't really use too many of these budget and

878
00:46:21,920 --> 00:46:24,200
Speaker 1: bill track apps. I did use true Bill at one point.

879
00:46:24,200 --> 00:46:26,920
Speaker 1: I thought it was great. Mint is also a good

880
00:46:26,960 --> 00:46:28,960
Speaker 1: one that I've used throughout the years. I think that

881
00:46:29,000 --> 00:46:33,200
Speaker 1: one's good. Personal Capital is one that seems to be

882
00:46:33,280 --> 00:46:36,560
Speaker 1: pretty good as well. They're all they're all kind of

883
00:46:36,600 --> 00:46:40,319
Speaker 1: the same thing. They all aggregate your different accounts that

884
00:46:40,360 --> 00:46:43,439
Speaker 1: you have and put them all into one place and

885
00:46:43,480 --> 00:46:46,000
Speaker 1: you can see your net worth. They also have some

886
00:46:46,040 --> 00:46:50,120
Speaker 1: sort of monthly bill slash budgeting built into them, slash

887
00:46:50,200 --> 00:46:52,960
Speaker 1: subscription trackers, so you can see the things you're subscribed to.

888
00:46:53,960 --> 00:46:58,360
Speaker 1: Quite honestly, I use a spreadsheet. I use an Excel

889
00:46:58,400 --> 00:47:01,360
Speaker 1: spread or just a spreadsheet. I should say that I

890
00:47:01,600 --> 00:47:04,280
Speaker 1: go in every single week and I put in everything

891
00:47:04,320 --> 00:47:06,160
Speaker 1: that I expect to spend and the money that I

892
00:47:06,200 --> 00:47:09,160
Speaker 1: expect to have come in, and I get it to zero,

893
00:47:09,440 --> 00:47:11,759
Speaker 1: and so I've basically spent all of my money on

894
00:47:11,840 --> 00:47:14,840
Speaker 1: paper before I've gotten it, and then as I go

895
00:47:14,920 --> 00:47:17,360
Speaker 1: along the week, I put in the transactions that I

896
00:47:17,440 --> 00:47:22,480
Speaker 1: do and continue to make sure that everything is zeroed out,

897
00:47:22,920 --> 00:47:26,640
Speaker 1: putting in money for savings, putting in money for you know, kids, college,

898
00:47:26,719 --> 00:47:30,120
Speaker 1: whatever I can throughout the way. But again, it's a

899
00:47:30,280 --> 00:47:33,120
Speaker 1: very manual process. There is no easy way that I've

900
00:47:33,120 --> 00:47:35,600
Speaker 1: found to do this. There are many apps that promise

901
00:47:35,680 --> 00:47:38,439
Speaker 1: to make it easy, but quite honestly, I've been doing

902
00:47:38,440 --> 00:47:41,239
Speaker 1: this method for fifteen years now and I find it

903
00:47:41,280 --> 00:47:45,359
Speaker 1: to be the best method for actually seeing where your

904
00:47:45,360 --> 00:47:48,560
Speaker 1: money's going and directing your money to where you want

905
00:47:48,600 --> 00:47:51,080
Speaker 1: it to go. I know I'm a little weird in

906
00:47:51,080 --> 00:47:53,680
Speaker 1: that aspect, but I don't think that there is a

907
00:47:53,800 --> 00:47:57,560
Speaker 1: simple automated way to do your budget because you're you know,

908
00:47:57,600 --> 00:48:00,200
Speaker 1: it's just you got to figure out where your money's going,

909
00:48:00,560 --> 00:48:03,840
Speaker 1: where it's going before the month starts, and then direct

910
00:48:03,920 --> 00:48:07,680
Speaker 1: it towards those places. And for me personally, I just

911
00:48:07,719 --> 00:48:10,000
Speaker 1: find that that putting all the money down and spending

912
00:48:10,040 --> 00:48:12,400
Speaker 1: it on paper before I get it gives me a

913
00:48:12,400 --> 00:48:16,839
Speaker 1: better understanding of how much spending ability I have that month.

914
00:48:16,880 --> 00:48:19,120
Speaker 1: Some months are are worse than others. You know, you

915
00:48:19,160 --> 00:48:21,520
Speaker 1: get these big bills that come in, you get these

916
00:48:21,640 --> 00:48:26,879
Speaker 1: unexpected charges. You know, you're paying for your insurance that month,

917
00:48:26,920 --> 00:48:28,800
Speaker 1: and it's a little bit more than the month before.

918
00:48:29,239 --> 00:48:31,239
Speaker 1: And so again it's just it's just easier for me

919
00:48:31,320 --> 00:48:34,799
Speaker 1: to do this spreadsheet and figure it all out on

920
00:48:34,880 --> 00:48:37,480
Speaker 1: paper and then just kind of when I do get

921
00:48:37,520 --> 00:48:42,160
Speaker 1: those things in, just mark them off and continually optimize

922
00:48:42,360 --> 00:48:45,840
Speaker 1: and and save. That's the best advice is to really

923
00:48:45,920 --> 00:48:49,040
Speaker 1: save and to always be optimizing what you're spending your

924
00:48:49,040 --> 00:48:52,960
Speaker 1: money on. All right, let's get to the final spot,

925
00:48:53,360 --> 00:48:55,680
Speaker 1: the final talking point. I'm gonna talk about some of

926
00:48:55,760 --> 00:48:57,880
Speaker 1: the editing apps I like. I did a segment on

927
00:48:57,960 --> 00:49:02,640
Speaker 1: KTLA because I will admit that an editing app called well,

928
00:49:02,640 --> 00:49:04,000
Speaker 1: I'll tell you about it in a little bit, but

929
00:49:04,360 --> 00:49:06,759
Speaker 1: this editing app really changed my life. So I was

930
00:49:06,800 --> 00:49:10,759
Speaker 1: really struggling to edit my Instagram reels and I follow

931
00:49:10,800 --> 00:49:13,080
Speaker 1: a guy named Zach Honig Honing I think you say

932
00:49:13,200 --> 00:49:16,400
Speaker 1: is his name. He I believe, used to be with

933
00:49:16,440 --> 00:49:19,640
Speaker 1: the Points guy and now he's off at a different startup.

934
00:49:19,640 --> 00:49:22,000
Speaker 1: But he's a big travel guy. He's just traveling all

935
00:49:22,000 --> 00:49:24,840
Speaker 1: the time, and so his tips are really really handy.

936
00:49:25,960 --> 00:49:27,319
Speaker 1: Let me see if I can find him on here

937
00:49:27,400 --> 00:49:34,680
Speaker 1: Instagram Zach h O n I G. Yeah, Zach Hoenig

938
00:49:34,960 --> 00:49:38,479
Speaker 1: h O nig. And he's just very very handy person.

939
00:49:38,520 --> 00:49:40,640
Speaker 1: Oh wow, he's got one hundred and nineteen thousand followers,

940
00:49:40,680 --> 00:49:45,240
Speaker 1: so clearly people like like what he's what. He's tweeting

941
00:49:45,280 --> 00:49:48,560
Speaker 1: our instagramming about as much as I do. And so

942
00:49:51,160 --> 00:49:54,000
Speaker 1: he wrote me, I forget, but I just said, oh,

943
00:49:54,040 --> 00:49:55,839
Speaker 1: your stories are so I forget what I said to him.

944
00:49:55,840 --> 00:49:57,680
Speaker 1: But he was like, oh dude. He's like, don't use

945
00:49:57,719 --> 00:50:00,960
Speaker 1: the built in Instagram editing. He's like, use an app

946
00:50:01,000 --> 00:50:04,319
Speaker 1: called Splice. That's what I use. And I downloaded it.

947
00:50:04,320 --> 00:50:05,920
Speaker 1: It was a two week free trial. It was very

948
00:50:05,960 --> 00:50:08,439
Speaker 1: expensive to purchase. It was like seventy bucks for the year.

949
00:50:08,800 --> 00:50:10,640
Speaker 1: But I said, you know what, I kind of like,

950
00:50:10,800 --> 00:50:13,239
Speaker 1: do this for a living, so let me let me

951
00:50:13,960 --> 00:50:16,680
Speaker 1: actually pay for this, and so I did, and I

952
00:50:16,719 --> 00:50:18,919
Speaker 1: will tell you it has changed my life because it's

953
00:50:18,960 --> 00:50:21,520
Speaker 1: so much better to edit on that app than anything

954
00:50:21,600 --> 00:50:24,480
Speaker 1: else that these built in editors give you on the

955
00:50:24,520 --> 00:50:27,760
Speaker 1: social media apps. And so I'm telling you that because

956
00:50:27,800 --> 00:50:29,399
Speaker 1: I don't think you need to go out and buy

957
00:50:29,960 --> 00:50:32,080
Speaker 1: Splice for seventy dollars for the year, or even three

958
00:50:32,120 --> 00:50:34,160
Speaker 1: dollars a week, which I think is what they charge

959
00:50:34,520 --> 00:50:38,359
Speaker 1: if you buy it weekly. But there are two other

960
00:50:38,440 --> 00:50:40,479
Speaker 1: apps I think are really good. Splice is the best.

961
00:50:40,520 --> 00:50:43,200
Speaker 1: I'll just tell you that. But yes, not everyone wants

962
00:50:43,200 --> 00:50:45,360
Speaker 1: to pay for editing. If you just want to do

963
00:50:45,400 --> 00:50:48,160
Speaker 1: this for fun, for friends, for family, for your Instagram,

964
00:50:48,360 --> 00:50:50,000
Speaker 1: you probably want to use a free option, and that

965
00:50:50,120 --> 00:50:54,760
Speaker 1: is probably why cap Cut. Cap Cut is the most

966
00:50:54,800 --> 00:50:57,520
Speaker 1: popular free video editing app. It is always at the

967
00:50:57,520 --> 00:51:00,239
Speaker 1: top of the app store lists. It's for I wes

968
00:51:00,320 --> 00:51:04,239
Speaker 1: and Android. This app is amazing. There are so many

969
00:51:04,239 --> 00:51:07,400
Speaker 1: features built in to help you make creative reels. It

970
00:51:07,520 --> 00:51:11,440
Speaker 1: is great. The downside is that it's owned by TikTok,

971
00:51:11,640 --> 00:51:14,920
Speaker 1: so if you are not comfortable with that reality, you

972
00:51:14,920 --> 00:51:16,880
Speaker 1: may want to use the different app. But it is

973
00:51:17,120 --> 00:51:19,680
Speaker 1: really really good. There is just about every editing tool

974
00:51:19,719 --> 00:51:22,799
Speaker 1: you can think of built into cap Cut. Inshot has

975
00:51:22,840 --> 00:51:24,680
Speaker 1: been around forever. You might have used it back in

976
00:51:24,719 --> 00:51:29,600
Speaker 1: the day to help squeeze your your four x three

977
00:51:29,640 --> 00:51:32,839
Speaker 1: Instagram pictures into a square with some borders on the side.

978
00:51:32,960 --> 00:51:37,239
Speaker 1: Now they have a fully robust editing app. This one

979
00:51:37,280 --> 00:51:39,120
Speaker 1: is fully free as well, but they will try to

980
00:51:39,280 --> 00:51:41,479
Speaker 1: pay you make you pay to upgrade, but you don't

981
00:51:41,480 --> 00:51:44,480
Speaker 1: have to if you don't. There are on screen ads

982
00:51:44,560 --> 00:51:48,040
Speaker 1: just about everywhere. There's also a watermark logo, but you

983
00:51:48,040 --> 00:51:50,239
Speaker 1: can get rid of that by watching an ad. And

984
00:51:50,320 --> 00:51:53,680
Speaker 1: it's just a great all around editing app. It does

985
00:51:53,719 --> 00:51:56,880
Speaker 1: work really well with both photos and videos. And finally,

986
00:51:57,280 --> 00:51:59,920
Speaker 1: like I mentioned, Splice is really good. But Splice is

987
00:52:00,280 --> 00:52:04,800
Speaker 1: definitely a little bit more on the high end because

988
00:52:04,880 --> 00:52:09,120
Speaker 1: it does cost more money. All right, So those are

989
00:52:09,160 --> 00:52:13,600
Speaker 1: the three apps I recommend. Oh wow, and if you want,

990
00:52:13,640 --> 00:52:16,239
Speaker 1: by the way, check out my Instagram reels. I do

991
00:52:16,400 --> 00:52:17,960
Speaker 1: you know, I don't put a tonnel work into them,

992
00:52:18,000 --> 00:52:20,360
Speaker 1: but I do enjoy doing those and I do enjoy

993
00:52:21,160 --> 00:52:25,239
Speaker 1: coming up with those on a reasonably regular basis. All right.

994
00:52:25,280 --> 00:52:27,520
Speaker 1: That sound means that is going to do it for

995
00:52:27,640 --> 00:52:29,560
Speaker 1: this episode of the show. If you would like to

996
00:52:29,560 --> 00:52:32,279
Speaker 1: submit a question for me to answer, just go to

997
00:52:32,320 --> 00:52:35,120
Speaker 1: my Facebook page, Facebook dot com, slash rich on Tech

998
00:52:35,239 --> 00:52:37,759
Speaker 1: hit the big blue send email button, or go to

999
00:52:38,080 --> 00:52:42,960
Speaker 1: rich on Tech dot tv and hit the email icon. Also,

1000
00:52:43,000 --> 00:52:44,480
Speaker 1: I would love it if you had a rate and

1001
00:52:44,560 --> 00:52:46,799
Speaker 1: review this podcast. Just go to the listening app of

1002
00:52:46,840 --> 00:52:49,239
Speaker 1: your choice write a quick line about what you like

1003
00:52:49,239 --> 00:52:51,560
Speaker 1: about this show to help other people understand why they

1004
00:52:51,560 --> 00:52:54,600
Speaker 1: should listen. You can find me on all social media.

1005
00:52:54,680 --> 00:52:56,560
Speaker 1: I am at Rich on tech and no matter where

1006
00:52:56,560 --> 00:52:58,919
Speaker 1: you live in the US, you can download the free

1007
00:52:59,000 --> 00:53:02,160
Speaker 1: KTLA plus app on Apple, TV, Fire TV, and Roku.

1008
00:53:02,760 --> 00:53:04,879
Speaker 1: Scroll to the tech section and you can watch all

1009
00:53:04,960 --> 00:53:08,560
Speaker 1: of my TV segments on demand. My name is Rich Demiro.

1010
00:53:08,719 --> 00:53:10,799
Speaker 1: Thank you so much for listening. There are so many

1011
00:53:10,840 --> 00:53:13,239
Speaker 1: ways you can spend an hour of your time. I

1012
00:53:13,320 --> 00:53:16,759
Speaker 1: do appreciate you. I do appreciate you spending it right

1013
00:53:16,800 --> 00:53:19,520
Speaker 1: here with me. Thank you. I'll talk to you real soon.