WEBVTT - Office Depot Tricks Customers into Computer Repairs; Verizon Offers Robocall Killer; New Password Manager; Thoughts on Apple TV+, News+ & Cr 0:00:03.800 --> 0:00:06.880 Office depot has been very bad. Verizon has a new 0:00:06.880 --> 0:00:10.320 way to help you battle robocalls. Thoughts on Apple's new services, 0:00:10.360 --> 0:00:14.400 including their credit card, news and TV, Google doing something 0:00:14.440 --> 0:00:17.880 really cool with podcasts and more. What's going on. I'm 0:00:17.920 --> 0:00:21.279 rich Demiro. This is rich on Tech. My website is 0:00:21.560 --> 0:00:24.799 richon Tech dot TV. You guys know me as the 0:00:24.840 --> 0:00:28.000 tech reporter on KTLA Channel five in Los Angeles or 0:00:28.080 --> 0:00:30.320 wherever you happen to follow me. Lots of you on 0:00:30.400 --> 0:00:34.400 Facebook at rich on Tech, Instagram at rich on Tech, 0:00:34.560 --> 0:00:37.040 and of course Twitter. But this was a big week 0:00:37.040 --> 0:00:38.800 in technology. This is where I kind of talk about 0:00:38.840 --> 0:00:40.600 all the stuff that I think you should know about. 0:00:41.080 --> 0:00:43.360 I know I have not done questions in a while. 0:00:43.840 --> 0:00:45.760 The reason for that is I'm waiting for some new 0:00:45.760 --> 0:00:47.760 equipment that I'm going to be testing out that will 0:00:47.840 --> 0:00:50.800 enable me to take calls in a much better way. 0:00:50.840 --> 0:00:53.239 So in the past, I've taken calls very I mean, 0:00:53.280 --> 0:00:55.120 if you've been following me for a while, you know 0:00:55.160 --> 0:00:57.560 I've tried taking calls like in a thousand different ways 0:00:57.560 --> 0:00:59.880 on this show. None of them have been very good. 0:01:00.080 --> 0:01:03.200 It works, but my latest method took a lot of 0:01:03.320 --> 0:01:04.920 editing at the end to kind of make sure the 0:01:04.959 --> 0:01:08.240 audio levels were okay. I'm hoping that this next thing 0:01:08.280 --> 0:01:11.160 that I'm trying is going to be the best case 0:01:11.200 --> 0:01:13.160 scenario and I will be able to do calls every 0:01:13.200 --> 0:01:16.119 single week without fail, and it will be so much 0:01:16.120 --> 0:01:18.600 better for everyone. Let me start with a couple of 0:01:18.600 --> 0:01:22.919 things happening this week. So I know, Apple, Apple, Apple, Apple, Apple, Apple, 0:01:22.959 --> 0:01:26.680 Apple Apple, but I'm actually going to start with Office Depot, 0:01:26.840 --> 0:01:28.840 a place where I used to work. By the way, 0:01:29.440 --> 0:01:33.480 so I'm a nerd obviously, and you know my jobs. 0:01:33.840 --> 0:01:35.600 I worked at Office Depot back in the day because 0:01:35.600 --> 0:01:37.200 I thought would be a fun job, and I did. 0:01:37.200 --> 0:01:40.120 I actually had a great time working there, and I 0:01:40.200 --> 0:01:43.520 sold cell phones and I was kind of what was 0:01:43.560 --> 0:01:45.679 I called, like a tech associate or something, but I 0:01:45.720 --> 0:01:49.040 sold technology as well. I can't remember if I was commissioned. 0:01:49.040 --> 0:01:51.280 I know some people were commissioned. I don't think I was. 0:01:51.720 --> 0:01:54.480 Let me talk about why Office Depot was a little 0:01:54.480 --> 0:01:57.800 bit naughty in the past couple of years. So and 0:01:57.840 --> 0:02:01.520 this involves uh, let's see Office Max as well. It 0:02:01.600 --> 0:02:05.480 looks like it's mostly Office Depot, but Office Max of late. 0:02:05.680 --> 0:02:09.760 But here's the deal. They settled with the FTC Office 0:02:09.800 --> 0:02:14.600 Depot and tech support firm Support dot Com paying thirty 0:02:14.639 --> 0:02:19.320 five million dollars to the FTC to settle allegations that 0:02:19.360 --> 0:02:24.480 they tricked consumers into buying costly computer repair services. So 0:02:25.040 --> 0:02:26.800 you know, you always see those signs and they still 0:02:26.800 --> 0:02:30.120 have one outside my local office depot that says, hey, 0:02:30.120 --> 0:02:33.280 come on in for a free check of your computer. Right, Well, 0:02:33.760 --> 0:02:37.399 apparently you would go in there and they would check 0:02:37.440 --> 0:02:40.960 your computer using this app called PC health Check, but 0:02:41.600 --> 0:02:44.600 it was basically just a sales tool to convince you 0:02:44.639 --> 0:02:48.200 to buy tech repair services from Office Depot and OfficeMax, 0:02:48.200 --> 0:02:51.240 which merged by the way back in twenty thirteen. Okay, 0:02:52.240 --> 0:02:55.920 so the free PC checkup was supposed to, you know, 0:02:56.080 --> 0:02:58.880 check your computer for all kinds of stuff, viruses, other 0:02:58.919 --> 0:03:02.120 security threats. And what would happen is you would get 0:03:02.160 --> 0:03:04.720 your computer checked and then they'd refer you to Support 0:03:04.720 --> 0:03:07.840 dot Com to pay for these services. And they got 0:03:07.919 --> 0:03:10.520 tens of million dollars tens of millions of dollars of 0:03:10.560 --> 0:03:14.320 revenue from Office Depot. They remotely performed the tech repair 0:03:14.360 --> 0:03:18.480 services once consumers made the purchase in store. But here's 0:03:18.520 --> 0:03:21.359 the deal, and this is why this is so darn evil. 0:03:21.440 --> 0:03:24.760 I can't even believe it. The little software was actually 0:03:24.800 --> 0:03:28.760 not scanning your computer for anything. All the results that 0:03:28.840 --> 0:03:33.280 you saw were based entirely on how you answered four 0:03:33.400 --> 0:03:37.440 questions before the scan started. And these questions asked you 0:03:37.480 --> 0:03:40.240 whether your computer ran slow, yeah, everyone thinks their computer 0:03:40.320 --> 0:03:44.960 runs slow. Whether you've received virus warnings yeah who hasn't, 0:03:45.200 --> 0:03:48.200 whether it crashed, of course it crashed, or whether it 0:03:48.240 --> 0:03:51.480 displayed pop up ads or other problems that kept you 0:03:51.520 --> 0:03:55.080 from browsing the internet. So I mean, are you serious? 0:03:55.280 --> 0:04:01.400 This is just downright malicious on consumers. And ah, man, 0:04:01.480 --> 0:04:03.280 this is not the Office Depot that I worked for. 0:04:03.600 --> 0:04:06.880 And so here's what's happened in our world nowadays, with 0:04:06.920 --> 0:04:10.320 these giant companies and these big corporations that just keep merging. 0:04:11.320 --> 0:04:13.640 When I worked for Office Depot, I remember them being 0:04:13.720 --> 0:04:17.640 so focused on the customer, so focused on customer service, 0:04:18.160 --> 0:04:20.880 and this kind of stuff would have never flown. Okay, 0:04:21.839 --> 0:04:26.520 Now it's like, how can we deceive customers and you know, 0:04:26.600 --> 0:04:28.960 get money out of them? Because here's the thing. When 0:04:29.000 --> 0:04:32.719 you're getting your computer looked at by a company like 0:04:32.880 --> 0:04:36.040 Office Depot or you know, anywhere that you bring your 0:04:36.040 --> 0:04:38.280 computer you're putting your trust in that person. It's kind 0:04:38.279 --> 0:04:40.040 of like having a plumber come to your house. I 0:04:40.080 --> 0:04:42.359 know nothing about plumbing. If the guy tells me my 0:04:42.560 --> 0:04:45.120 toilet's gonna take one hundred and fifty dollars to repair it, 0:04:45.160 --> 0:04:47.599 I'm gonna believe him and believe me. I was taken. 0:04:47.640 --> 0:04:50.400 One time they replaced a flapper on my toilet and 0:04:50.440 --> 0:04:52.440 they charged me like eighty five bucks. And I was 0:04:52.480 --> 0:04:54.960 so angry when I asked the guy, so what'd you do? 0:04:55.200 --> 0:04:57.160 And he said, oh, I replaced a flapper. And then 0:04:57.160 --> 0:04:59.640 I realized, okay, I got to get smarter about these things. 0:05:00.080 --> 0:05:03.040 And next time I replace the flapper myself, by the way, 0:05:03.279 --> 0:05:05.279 and it cost me. I think it was seven dollars 0:05:05.400 --> 0:05:08.640 at Home Depot. But guess what, I will never call 0:05:08.880 --> 0:05:12.320 that plumber ever again to fix my toilet because I 0:05:12.360 --> 0:05:15.799 don't trust him. Same thing with Office Depot and Office Max. 0:05:15.839 --> 0:05:18.400 They lost a lot of trust here. This is gonna 0:05:18.400 --> 0:05:20.560 be tough, and I hope most people hear about this. 0:05:20.640 --> 0:05:24.200 I hope most people understand this because this is just 0:05:24.279 --> 0:05:28.560 downright wrong. So Support dot Com, Shame on you, Office 0:05:28.600 --> 0:05:32.080 Depot dot Com, shame on you. This is just not nice, 0:05:32.680 --> 0:05:36.480 and of course they are not. Again, they are just settling. 0:05:36.800 --> 0:05:40.000 These are allegations, they are not proven guilty. There's no 0:05:40.120 --> 0:05:44.800 guilt here. It's just an allegation. So it is a settlement. 0:05:44.839 --> 0:05:47.039 But here's the good news out of all this for you. 0:05:47.520 --> 0:05:51.599 As part of the proposed settlement, support dot Com cannot 0:05:51.680 --> 0:05:55.920 make or provide others with the means to make misrepresentations 0:05:55.960 --> 0:05:58.880 about the performance or detection of security issues on consumer 0:05:58.880 --> 0:06:03.000 electronic devices. So hopefully that'll do that. But let's see here, 0:06:03.320 --> 0:06:06.600 by the way, the whistleblower one Office Max employee complained 0:06:06.600 --> 0:06:09.599 to corporate in twenty twelve saying I cannot justify lying 0:06:09.680 --> 0:06:12.640 to a customer or being tricked into lying to them 0:06:12.960 --> 0:06:15.800 for our store to make a few extra dollars. But 0:06:15.839 --> 0:06:21.440 this continued until late twenty sixteen. Wow, unbelievable. Now our 0:06:21.440 --> 0:06:25.039 consumers getting some of this money. Yes, FTC intends to 0:06:25.160 --> 0:06:28.920 use ten million dollars and twenty five million dollars okay, 0:06:28.960 --> 0:06:32.000 so thirty five million dollars to provide refunds to consumers. 0:06:32.000 --> 0:06:35.960 So the good news is, if you did get your 0:06:35.960 --> 0:06:39.800 computer fixed, and I put air quotes here, if you 0:06:39.880 --> 0:06:43.599 got it fixed at office depot or Office Max in 0:06:43.640 --> 0:06:45.559 the past couple of years, you might have some money 0:06:45.560 --> 0:06:47.560 coming your way. It's probably gonna take a while though, 0:06:48.000 --> 0:06:50.799 all right. So now on the better side of things, 0:06:51.040 --> 0:06:55.400 Verizon offering new ways to battle robo calls. So they 0:06:55.480 --> 0:06:59.480 launched a new app called call Filter. Now, this is 0:06:59.520 --> 0:07:02.840 actually an app that they had but they renamed. It 0:07:02.920 --> 0:07:05.839 used to be called like caller Name ID or something 0:07:05.920 --> 0:07:08.800 like that, but now it's called call Filter. And before 0:07:08.920 --> 0:07:10.920 Verizon would have this app, it was like three bucks 0:07:10.920 --> 0:07:13.680 a month. It would give you caller ID on all 0:07:13.720 --> 0:07:16.920 your phone calls. Now this is called call Filter. It's 0:07:16.960 --> 0:07:20.880 available for iOS and you download it and it will 0:07:20.880 --> 0:07:25.320 help identify and stop robo calls. So pretty much all 0:07:25.480 --> 0:07:29.440 wireless customers with a compatible device can enroll. But it 0:07:29.480 --> 0:07:31.800 says that certain features will vary based on the type 0:07:31.840 --> 0:07:34.560 of phone that a customer has. You can now get this. 0:07:34.760 --> 0:07:36.640 I would go ahead and download it, try it out, 0:07:36.720 --> 0:07:39.200 see how it works. The thing to know about this 0:07:39.480 --> 0:07:43.000 is that Verizon is still trying to sell you on 0:07:43.040 --> 0:07:49.040 a three dollars enhanced service. So Verizon's call Filter full 0:07:49.120 --> 0:07:52.880 service set for three dollars a month, so everyone with 0:07:52.960 --> 0:07:56.760 the free version gets spam detection, blocking, and reporting, but 0:07:57.280 --> 0:08:01.240 you will get the ability to identify unknown callers by name, 0:08:01.800 --> 0:08:04.160 more control over calls, with the ability to create a 0:08:04.200 --> 0:08:06.760 personal robo call blocklist, which you can do in iOS 0:08:06.800 --> 0:08:08.880 anyway for free. So I don't think you need to 0:08:08.880 --> 0:08:13.120 do that. And there's also additional insights with the robocall 0:08:13.240 --> 0:08:15.680 risk meter and spam number look up. I don't think 0:08:15.720 --> 0:08:17.920 you need any of that stuff, So I say, if 0:08:17.960 --> 0:08:20.960 it's up to me, I would just download the free app. Again, 0:08:21.000 --> 0:08:23.840 it's called call Filter. If you have an Android phone, 0:08:23.880 --> 0:08:29.600 it's usually pre installed on your phone. So again I 0:08:29.600 --> 0:08:33.160 would just go ahead and update your apps, whether you 0:08:33.200 --> 0:08:36.880 have iPhone or Android, and it should work. So the 0:08:36.920 --> 0:08:38.959 other thing that Verizon's gonna do is they're going to 0:08:39.120 --> 0:08:44.599 start implementing this ster shaken technology. So st Shaken technology 0:08:44.880 --> 0:08:49.120 will actually kind of act as an authentication technology for 0:08:49.240 --> 0:08:53.000 caller ID, So if I call you on caller ID 0:08:53.640 --> 0:08:55.920 using caller ID, it's going to make sure that I 0:08:55.960 --> 0:08:58.520 am who I say I am. Big event for Apple 0:08:58.600 --> 0:09:00.400 this week, although I kind of I thought it was 0:09:00.400 --> 0:09:02.200 a little bit of a letdown because it was light 0:09:02.240 --> 0:09:05.400 on the tech and very heavy on the celebrities, and yeah, 0:09:05.440 --> 0:09:07.560 They had a lot of great celebrities there, big time 0:09:07.640 --> 0:09:13.800 names like Oprah, Steven Spielberg, Reese Witherspoon, Jennifer Aniston, Steve Carell, 0:09:14.280 --> 0:09:17.920 so many more. To me, it was cool that Apple 0:09:18.000 --> 0:09:20.240 had all these celebrities on stage. But let's be honest. 0:09:20.280 --> 0:09:24.520 I mean, celebrities like money, and they're there because Apple 0:09:24.679 --> 0:09:27.760 is putting out a lot of cash so that they 0:09:27.800 --> 0:09:30.160 can do their new shows. And I think it's cool. 0:09:30.480 --> 0:09:33.640 As a creative type, I think it's amazing that there's 0:09:33.679 --> 0:09:36.200 someone there that's giving them a lot of money to 0:09:36.280 --> 0:09:38.680 be creative, and so I think that's a really nice 0:09:38.720 --> 0:09:40.880 aspect of it. But let's talk about some of these 0:09:40.920 --> 0:09:45.680 things that Apple launched. I'll just go through them. Apple Newsplus. 0:09:45.760 --> 0:09:49.040 This is their new paid news service, and so this 0:09:49.160 --> 0:09:52.720 gives you access to over three hundred magazines and also 0:09:52.880 --> 0:09:59.640 some newspapers and also some digital premium publications. So this 0:09:59.720 --> 0:10:02.520 is kind of from Apple's purchase of a company called 0:10:02.559 --> 0:10:04.800 Texture a couple of years ago, maybe it was last year, 0:10:05.240 --> 0:10:07.360 and I used to be a subscriber to Texture for 0:10:07.400 --> 0:10:09.600 a long time. And what they do is they put 0:10:09.640 --> 0:10:11.880 a whole bunch of these magazines into one app. You 0:10:11.920 --> 0:10:14.160 pay ten dollars a month and you get all these magazines. 0:10:14.520 --> 0:10:17.360 And I loved it. But here was the problem with Texture. 0:10:17.840 --> 0:10:20.720 All I did in my entire life was read magazines. 0:10:20.800 --> 0:10:23.200 When you're getting three hundred When you're getting access to 0:10:23.320 --> 0:10:29.080 three hundred magazines, I mean, that's pretty insane. So to me, literally, 0:10:29.160 --> 0:10:31.199 I would sit on the couch, I would pop out 0:10:31.200 --> 0:10:34.080 the iPad and I would just flip and flip and 0:10:34.120 --> 0:10:36.400 flip and flip and flip. And I loved it because 0:10:36.440 --> 0:10:39.000 magazines are amazing. But what are magazines trying to do? 0:10:39.040 --> 0:10:41.160 They're trying to sell you stuff, right, I mean, yeah, 0:10:41.200 --> 0:10:43.720 there's some great journalism in them, but for the most part, 0:10:43.760 --> 0:10:46.560 you're flipping through the glossies. I'm looking at HG what 0:10:46.600 --> 0:10:51.079 was it like, HGTV magazine? Who thought HGTV had a magazine? Yeah, 0:10:51.120 --> 0:10:52.800 I was flipping through it, and of course I was 0:10:52.800 --> 0:10:55.840 getting a million ideas for the house and buying stuff. 0:10:56.000 --> 0:11:00.000 I got rid of it, so I didn't subscribe to Texture, 0:11:00.160 --> 0:11:02.760 or I canceled my subscription. Then they said, oh, well, 0:11:02.760 --> 0:11:04.439 for five bucks a month, will you keep us? And 0:11:04.480 --> 0:11:06.160 I said okay, So I kept them for six more 0:11:06.200 --> 0:11:08.320 months until I finally said you know what, I don't 0:11:08.320 --> 0:11:10.840 need all these magazines in my life, so your experience 0:11:10.880 --> 0:11:12.640 may be different. And I don't know. I think it's 0:11:12.720 --> 0:11:15.120 cool that you're getting a whole bunch of stuff mixed 0:11:15.120 --> 0:11:16.960 into one. And I see where Apple's going with this. 0:11:17.480 --> 0:11:21.200 Ideally they would have like every newspaper in America on board, 0:11:21.440 --> 0:11:23.360 so that no matter which city you live in, you 0:11:23.400 --> 0:11:26.280 get access to your local newspaper plus a whole bunch 0:11:26.320 --> 0:11:28.400 of other stuff. It seems like a fantastic deal for 0:11:28.440 --> 0:11:30.600 ten dollars a month. I don't know how they're splitting 0:11:30.679 --> 0:11:32.880 up the payment. You know, if you read five pages 0:11:32.920 --> 0:11:35.560 of Vogue, does Vogue get you know, five divided by 0:11:35.640 --> 0:11:38.600 ten two dollars a page? I don't know, So you 0:11:38.679 --> 0:11:42.319 got Vogue National Geographic People. Now. One thing, I will say, 0:11:43.280 --> 0:11:45.360 the price did get a little better because when I 0:11:45.440 --> 0:11:48.559 was a subscriber to Texture People magazine, if you wanted 0:11:48.559 --> 0:11:51.440 those weeklies, that was fifteen dollars a month. So the 0:11:51.480 --> 0:11:54.000 fact that they are charging ten dollars and you're still 0:11:54.000 --> 0:11:56.680 getting all this other stuff, that's pretty good. You also 0:11:56.720 --> 0:11:59.120 get access to the Wall Street Journal and New York Times, 0:11:59.200 --> 0:12:02.120 although and I haven't subscribed yet to this News Plus 0:12:02.160 --> 0:12:04.400 to try it out, although a lot of people are 0:12:04.400 --> 0:12:07.280 saying it's not just like full on Wall Street Journal 0:12:07.320 --> 0:12:09.240 New York Times. If you look at a Wall Street 0:12:09.320 --> 0:12:13.080 Journal subscription, it's expensive. So I find it hard to 0:12:13.080 --> 0:12:14.840 believe that you'd get all of that for nine ninety 0:12:14.880 --> 0:12:17.319 nine a month, because I've looked into getting that subscription 0:12:17.679 --> 0:12:19.840 and you're talking it's closer to like, you know, twenty 0:12:19.880 --> 0:12:23.160 to forty dollars a month, so after your little promo 0:12:23.480 --> 0:12:27.319 deal runs out. So I think this sounds cool. I 0:12:27.360 --> 0:12:31.000 think it's great for journalism, but personally it's probably not 0:12:31.120 --> 0:12:33.719 something I'm going to be doing. But you do get 0:12:33.760 --> 0:12:35.560 a lot for your money. So if you don't mind 0:12:35.600 --> 0:12:37.280 paying ten dollars a month and you've got a bunch 0:12:37.320 --> 0:12:39.440 of time to look at all these magazines, it's pretty cool. 0:12:39.559 --> 0:12:42.040 If you're traveling a lot on an airplane, I think 0:12:42.080 --> 0:12:44.120 it's pretty cool. But to be honest, what I'm doing, 0:12:44.200 --> 0:12:47.000 I'm trying to read books, and that's where i'd rather 0:12:47.040 --> 0:12:50.880 spend my money. So that's that's that's where I am. 0:12:51.160 --> 0:12:54.240 All right. So Apple credit Card this got this got 0:12:54.280 --> 0:12:57.160 a lot of publicity because it's kind of unique that 0:12:57.200 --> 0:12:59.920 Apple's doing a credit card now. I have my thoughts 0:13:00.040 --> 0:13:04.600 on credit cards in general, so I'll try not to 0:13:04.760 --> 0:13:07.400 like mix those in. But I'm not a big believer 0:13:07.520 --> 0:13:10.400 in credit cards. I do have one. Full disclosure, I 0:13:10.400 --> 0:13:12.559 am a Dave Ramsey fan. I've talked about him before. 0:13:12.920 --> 0:13:15.880 He says no credit cards. Personally. I travel a lot. 0:13:15.920 --> 0:13:18.400 I've tried the no credit card thing. It's really complicated, 0:13:18.480 --> 0:13:21.120 especially when you're booking hotel rooms and you know all 0:13:21.160 --> 0:13:23.440 this stuff for business travel. So I do have a 0:13:23.480 --> 0:13:25.680 credit card, so I'm not gonna say that you shouldn't 0:13:25.679 --> 0:13:28.480 have one at all. But to have an Apple card, 0:13:29.360 --> 0:13:32.640 oh man, I don't know. That's like next level Apple fanboy, 0:13:32.760 --> 0:13:35.560 you know. And I think the iPhone's amazing. I love 0:13:35.600 --> 0:13:37.920 the iPhone. I wrote a book about the iPhone. But 0:13:38.120 --> 0:13:40.920 to have an Apple credit card is like, I mean, 0:13:40.920 --> 0:13:43.480 how far down the Apple path do you want to go? 0:13:43.960 --> 0:13:46.600 You've already got the AirPods, You've already got the Apple TV, 0:13:46.720 --> 0:13:49.040 You've got the iPad, I've got the MacBook. Now you're 0:13:49.040 --> 0:13:52.560 gonna get a credit card that primarily works through your iPhone. 0:13:52.679 --> 0:13:56.080 That seems to me a little bit crazy. Okay, So 0:13:57.280 --> 0:13:59.280 with that said, I like what they're doing with the 0:13:59.320 --> 0:14:01.640 credit card, and it's not like they're doing things that 0:14:01.679 --> 0:14:04.400 nobody else has done. I mean it works with the iPhone. 0:14:04.440 --> 0:14:06.560 You sign up right through the iPhone. I do like 0:14:06.600 --> 0:14:09.200 how they're labeling stuff nice and clearly, and I think 0:14:09.200 --> 0:14:10.600 that's a trend we're going to see with the other 0:14:10.600 --> 0:14:13.720 credit cards. So they're using machine learning and Apple maps 0:14:13.760 --> 0:14:15.959 that when you look at your transactions, instead of seeing 0:14:15.960 --> 0:14:18.240 some weird thing that you have to like Google, you'll 0:14:18.280 --> 0:14:20.400 just see that like, here's the place that you spent 0:14:20.520 --> 0:14:22.640 money at. Here it is on a map, and here's 0:14:22.640 --> 0:14:24.320 the name of it. So my wife goes to this 0:14:24.360 --> 0:14:27.160 one gas station that has some random name, and every 0:14:27.200 --> 0:14:28.920 time I see it in our debit card, I'm like, where, 0:14:28.960 --> 0:14:31.320 what the heck is this charge for like thirty four bucks? 0:14:31.640 --> 0:14:34.240 And sure enough, it's always this weird gas station. So 0:14:34.320 --> 0:14:37.680 I think that will actually help when people have that 0:14:37.760 --> 0:14:40.920 information at the ready. I also like the other aspect 0:14:41.120 --> 0:14:43.240 of if you don't decide to pay off your card 0:14:43.280 --> 0:14:47.000 every month, there's this little circular slider that will show 0:14:47.040 --> 0:14:49.880 you how much you're paying and how much interest it's 0:14:49.920 --> 0:14:52.800 going to cost you to just make that portion of 0:14:52.840 --> 0:14:55.480 a payment and you can turn the slider to make 0:14:55.520 --> 0:14:57.840 a bigger payment and see how that impacts your interest. 0:14:57.960 --> 0:14:59.960 I think that's really smart and I think it's nice. 0:15:00.160 --> 0:15:02.840 I think you should pay off your balance in full 0:15:02.920 --> 0:15:05.400 if you can. So the Apple Card is going to 0:15:05.440 --> 0:15:07.680 be available this summer. I don't know. I don't like 0:15:07.720 --> 0:15:10.760 a card that is so down the Apple line, Like 0:15:10.800 --> 0:15:13.080 I just think this seems a little bit crazy to get. 0:15:13.120 --> 0:15:15.120 I know a lot of people will get it. There 0:15:15.160 --> 0:15:18.040 are no fees, and the cool thing they're doing with 0:15:18.080 --> 0:15:20.560 the rewards, which I know people are obsessed with rewards. 0:15:20.880 --> 0:15:23.520 They're kind of playing into that because they're crediting you 0:15:23.640 --> 0:15:26.560 the rewards every single day. And the way they're doing 0:15:26.600 --> 0:15:29.720 rewards is you get three percent back on Apple purchases, 0:15:29.760 --> 0:15:33.320 So anything Apple three percent back for those charges. Any 0:15:33.360 --> 0:15:36.040 other things that you tap to pay, you'll get two percent. 0:15:36.320 --> 0:15:38.600 That means using your iPhone to tap to pay like 0:15:38.640 --> 0:15:41.280 you would to check out or whatever. And then anytime 0:15:41.280 --> 0:15:43.320 you use the physical card you're only going to get 0:15:43.360 --> 0:15:46.720 one percent back. And so for a free credit card, 0:15:46.840 --> 0:15:50.000 those percentages are not that bad, especially the two percent 0:15:50.040 --> 0:15:52.240 for the tap to pay, but I think you could 0:15:52.240 --> 0:15:57.040 do better and overall since I don't actively recommend credit cards, 0:15:58.280 --> 0:16:00.600 I'm kind of torn on it in general. All Right, 0:16:00.680 --> 0:16:03.920 final thing that Apple talked about is Apple TV Plus. 0:16:04.360 --> 0:16:08.240 This is their subscription service that is kind of a 0:16:08.280 --> 0:16:11.720 new home for Apple TV app. So the Apple TV 0:16:11.880 --> 0:16:15.080 or I guess I should say the TV app, has 0:16:15.120 --> 0:16:19.080 evolved over the years and I kind of see where 0:16:19.080 --> 0:16:20.720 they're going with this, and I get it, and I 0:16:20.760 --> 0:16:23.680 think it's actually pretty smart. So there's two things going 0:16:23.680 --> 0:16:25.760 on here. Number one, Well, there's actually three things. So 0:16:25.840 --> 0:16:29.080 number one, the TV app is going to be revamped, 0:16:29.360 --> 0:16:32.520 and it's also going to be available in other places. Right, 0:16:32.880 --> 0:16:35.160 So the TV app is going to be available on 0:16:35.200 --> 0:16:37.360 Apple TV like it always has, plus the iPhone and 0:16:37.360 --> 0:16:39.760 all that stuff, but they're gonna make this available in 0:16:39.840 --> 0:16:43.960 other places as well, like Roku, Fire TV, smart TVs 0:16:44.000 --> 0:16:48.000 from Sony, Visio and some others. And so what they're 0:16:48.040 --> 0:16:50.960 gonna do is allow you to kind of subscribe to 0:16:51.040 --> 0:16:54.720 all your services but then bring them all into this app. 0:16:54.800 --> 0:16:58.000 So let's say your minus Netflix, of course, so let's 0:16:58.000 --> 0:17:01.040 say you have you know, HBO, Let's say you have 0:17:01.280 --> 0:17:05.520 Showtime Stars all those. Instead of going to those individual 0:17:05.560 --> 0:17:08.320 apps to watch stuff, you're literally gonna be able to 0:17:08.359 --> 0:17:11.160 watch this stuff inside the TV app, which I think 0:17:11.200 --> 0:17:13.359 is kind of cool. Plus you can search for stuff 0:17:13.359 --> 0:17:15.600 and it'll tell you, you know, if it's available. Plus it's 0:17:15.640 --> 0:17:19.399 going to most importantly suggest things for you. Right, so, 0:17:19.520 --> 0:17:21.080 out of all the shows that are free to you, 0:17:21.160 --> 0:17:23.320 it will say, here's the dramas, here's the cool comedies, 0:17:23.320 --> 0:17:26.639 here's the stuff that we think you like. Right, So 0:17:27.359 --> 0:17:29.320 that's one side of it. Second thing is they're gonna 0:17:29.359 --> 0:17:32.600 let you subscribe to a lot of these subscription services 0:17:32.680 --> 0:17:39.359 like HBO, Stars, Showtime, CBS, Taste, Made, Noggin, MTV, Hits, Epics, 0:17:39.600 --> 0:17:41.840 a whole bunch of them. Now, when I saw the 0:17:43.040 --> 0:17:46.160 listing on the screen at the event of what they're 0:17:46.160 --> 0:17:48.560 gonna let you subscribe to, kind of a yawner to 0:17:48.640 --> 0:17:50.920 me because I don't really care about any of these channels. 0:17:51.160 --> 0:17:53.120 I mean, HBO is cool, but the rest of them 0:17:53.320 --> 0:17:56.760 I don't really care for. So the reality is this 0:17:56.840 --> 0:18:00.240 will be good based on whether these channels are good 0:18:00.240 --> 0:18:04.040 for you. So Netflix is clearly the outsider here. They 0:18:04.040 --> 0:18:05.960 are not included, so you're always gonna have to go 0:18:06.080 --> 0:18:09.240 outside of this app for Netflix. Who knows if that 0:18:09.280 --> 0:18:12.080 will hurt them or help them. Now, the other thing 0:18:12.320 --> 0:18:15.040 is the TV shows and movies and documentaries, and that's 0:18:15.040 --> 0:18:18.080 where all these celebrities come in, and also the original programming. 0:18:18.240 --> 0:18:21.320 So Apple is making their own programming and that's where 0:18:21.320 --> 0:18:24.320 the TV plus comes in. So you will be able 0:18:24.359 --> 0:18:26.640 to subscribe to some sort of Apple service. We don't 0:18:26.680 --> 0:18:28.720 know if it's going to be a monthly fee or 0:18:28.760 --> 0:18:31.840 it's going to be a you know, per show, but 0:18:31.920 --> 0:18:35.040 it says video subscription service will be announced later this 0:18:35.160 --> 0:18:39.480 fall for pricing and availability. So I don't know how 0:18:39.600 --> 0:18:42.320 much would you pay for Apple TV content? For me, 0:18:42.880 --> 0:18:45.480 that's like maybe four ninety nine a month if the 0:18:45.520 --> 0:18:48.920 shows are absolutely amazing. And the only show I saw 0:18:49.040 --> 0:18:52.280 out there that looked good to me was the one 0:18:52.320 --> 0:18:54.720 that was kind of a parody of morning shows, so 0:18:54.920 --> 0:18:58.280 it was with Reese Rytherspoon and Jennifer Aniston and Steve Carell. 0:18:58.560 --> 0:19:00.960 But I just don't know if if I need that right, 0:19:01.440 --> 0:19:03.399 So for five bucks a month, I mean really, it's like, 0:19:03.480 --> 0:19:05.720 how much is this show worth to me? We'll see 0:19:05.920 --> 0:19:08.520 you guys. Know. I like password managers and you should 0:19:08.520 --> 0:19:11.760 be using one by now. If you're not highly recommend 0:19:11.760 --> 0:19:13.879 that you try a password manager, Like I say, I 0:19:13.880 --> 0:19:15.760 don't care if you use the one that's built into iPhone, 0:19:15.800 --> 0:19:19.080 if you're only using iOS devices, it's free. It works. 0:19:19.680 --> 0:19:22.480 But this is another one to consider. This is from Firefox. 0:19:22.520 --> 0:19:27.000 They launched their own password manager and it's now available 0:19:27.040 --> 0:19:29.520 across pretty much every platform, which is nice, which is 0:19:29.520 --> 0:19:34.480 why I'm mentioning it. So Firefox lock Box. This is 0:19:34.520 --> 0:19:36.879 for Android now, which I guess was the final missing 0:19:36.880 --> 0:19:39.480 piece of the puzzle, so they had it for iOS. 0:19:39.800 --> 0:19:42.879 They also have it built into their Firefox browser. And 0:19:42.920 --> 0:19:45.280 so if you haven't used one of these password managers before, 0:19:45.320 --> 0:19:47.960 here's how it works. Right. You come up to a 0:19:48.040 --> 0:19:51.600 website where it wants you to create a password, right, 0:19:51.880 --> 0:19:54.360 and a little thing pops up on the website from 0:19:54.359 --> 0:19:56.440 Firefox that says, hey, do you want us to create 0:19:56.440 --> 0:19:59.800 a password for you? You say yes. It creates this crazy 0:20:00.000 --> 0:20:03.399 implicated password and you're like, oh, I'm never gonna remember that, 0:20:03.440 --> 0:20:05.280 and it goes, well, we're gonna remember it for you too, 0:20:05.320 --> 0:20:08.280 and you're like, okay, cool. So you press save and 0:20:08.320 --> 0:20:10.399 you never have to think about that password ever again. 0:20:10.720 --> 0:20:14.240 Next thing you know, you go to you know, flowersamazingflowers 0:20:14.280 --> 0:20:17.119 dot com and all of a sudden, Firefox pops up 0:20:17.119 --> 0:20:19.600 and it says, hey, we see you. We saved your 0:20:19.600 --> 0:20:21.800 password from this website the last time. Remember that And 0:20:21.840 --> 0:20:23.840 you're like, oh, yeah, do you want us to fill 0:20:23.880 --> 0:20:25.440 it in for you? And you say yes, and next 0:20:25.440 --> 0:20:27.400 thing you know, it fills it in. Then you have 0:20:27.560 --> 0:20:32.040