This week, we end the year with a look at a few interesting new(er) scams you should be aware of.

William Sikkens, Bill Snodgrass, Gretchen Winkler

Welcome to We Are Technologies

User Friendly.

2

2.0 with host.

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Bill Sikkens, technology architect.

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And this is User Friendly 2.0.

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As always I'm your host Bill Sikkens

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And why do you me as always,

my co-host Bill and Gretchen,

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welcome to the last show of 2025.

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Happy holidays.

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If you believe it's already

the end of the year.

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I mean, our eighth season

starts in two weeks.

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It just is amazing to me.

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And it's because of all of our wonderful

listeners out there.

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I mean, it's just incredible

that we've been able

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to get this far on this journey

with everybody and,

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I love it, I love it.

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Next week,

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we're going to be doing a repeat,

over Christmas and you'll and all of that.

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And then the first show of 2026,

we're going to be looking at technology

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backward and forward.

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And then our next,

which will be our next new one, I guess.

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So, you know, there you are.

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So we're only really taking one week

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downtime, but,

hey, I think I think we've earned it

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probably.

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So this week we're going to be hitting

on a couple of different things.

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We're going to be talking about

Gretchen's book, which is now available.

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You can buy it on one blog.

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We'll be talking about that

in a few minutes here. And,

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hey, you know what? You've earned

that, too.

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So, it's been quite, quite the journey.

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And like I say, what? Read into that

just after the news.

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And then the second segment of the show

to end the year

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on a very positive note, we're going to be

talking about some new scams.

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And the reason

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why this is important to do right now is

there are some things that are popping up

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that are really getting people,

and it's kind of nasty what's going on.

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So, you know, positive note or not,

the positive note is

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maybe if you hear about this,

this won't happen to you.

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So we're going to be going into that

some detail in the second segment. So

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that never stops.

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But on that track let's

go ahead and jump into the news.

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What do we have this week.

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All right.

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Arcade one up to be acquired by basic one.

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All right.

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So for anybody

that's not familiar with all of this

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let me kind of go over what

all of that even is.

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And then we will talk about

what's going on.

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So arcade one up is a company

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that has been around for a while

that builds three quarter size

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arcade cabinets.

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So like the games when you went into

the arcade, Pac-Man and so on.

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They make a lot of licensed

reproductions of these things

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that are a touch smaller

than the original.

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They're meant for home use,

so no closing doors

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and the cabinets are not built

at the same quality

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that you would need for an arcade,

but they work fine for home.

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I have one of them Golden ax game here

that has that and some other things on it.

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So, you know,

it is for the market that it's meant for.

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They're actually pretty good.

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And there's different schools

of thoughts on all of this,

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but they've been doing

some interesting stuff.

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And there's been rumors,

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floating around last week

that they are shutting down operations.

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And we want to do some research on it,

because there was no official statement

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made until very recently. This week. And

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what's happening

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is the company is not being acquired.

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Exactly.

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But a lot of their assets are by a company

called Basic Fun.

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So question comes to mind.

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What is basic fun? Well,

I had to look into that a little bit too.

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But they actually have a lot of brands

and it looks like they've put together

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an acquired that you will have heard of.

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If you haven't

heard the name of the company and

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I'll give you a few of these here bears.

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Oh, Tonka trucks.

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Oh, yeah.

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White bright.

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Yeah.

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Lincoln Logs,

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Okay.

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And the list goes on, including arcade,

classic and old games.

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So it does seem like kind of a fit.

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So the question that comes out about this,

and it's actually one in a broader sense

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that is worth considering is a lot of

the arcade one up cabinets are online.

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So the golden that's

what I have is a self-contained unit.

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You plug it in, you turn it

on, you play it kind of thing.

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Okay, so that's fine.

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It's one of the older ones,

but I know another one.

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I have, Teenage Mutant Ninja Turtles

actually has an app, and you go online and

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and do all the stuff through it

and some of their other devices,

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like the Infinity Game table

that they make, which is kind of cool,

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requires

being online to work and all of that.

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So one of the biggest concerns with this,

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in addition to it, would be to be able

to see all this stuff go away

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is if they shut down

and shut down their servers,

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a lot of this equipment

will will stop working, at least in part.

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And, and,

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you know, it's something to consider

because really, anything

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that's online and having it as an app

potentially could have that happen.

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And it does all the time.

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So what's being said here is basic

fun is going to be keeping

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to some extent the functionality

of these things, hopefully fully.

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But that has not been clarified yet.

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The different places

that I've been reading about,

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I tried to reach out to them to ask

and wasn't able to get

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any direct information on it,

but they are saying to some extent.

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So hopefully these things

will keep working.

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And as far as what's going

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to actually happen with the product line,

the arcade cabinets

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and all the rest of the stuff

that is currently made by arcade.

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One up

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is also something that we'll have to see

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because they haven't

been too direct on it,

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but they are acquiring the assets,

not the company, but some of the assets.

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So it stand to reason that they're going

to still keep

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making some of these products

or some version thereof.

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NASA has a

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space telescope that is 42ft long.

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Yeah,

it's called the Roman Space Telescope

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or the Nancy Grace Roman Space Telescope.

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And that, name

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has been changed to me, obviously,

the name for this person from the wild or.

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Excuse me, wide field infrared

study telescope.

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I can see it's the last show of our year.

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I can talk really?

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This telescope

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is designed to explore everything

from our outer solar system

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to the edge of the observable universe,

including planets throughout our galaxy.

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And our energy

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comes in at over 42ft long, 12.7m,

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about the length of a semi-truck trailer

with more than 14ft wide.

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When fully deployed,

the primary mirror is 2.4m or 7.5m

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diameter, which is about the same size

as Hubble space Telescopes.

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Primary mirror. So

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biggest difference between that

and Hubble?

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The resolution

this stuff is pretty similar.

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It has 100 times

larger view and it weighs 80% less.

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Oh yeah. Some technology, you know.

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Let's go.

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And so this is going to be interesting.

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There's a lot of different instruments

and stuff on this that we can dig into.

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That would take longer than doing

right now, but this might be a good topic.

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I know there's a lot of interest

in space stuff.

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The other thing I want to say here

is, you know, when you hear this airing,

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if you're hearing a smaller area,

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We record on Wednesdays and Saturdays.

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That day we are

the 19th is the day the aliens are going

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to come from three outlets.

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So if we're still on the air,

I want to welcome a new audience.

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This telescope would have been nice

if it had been available to see.

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But hey,

we're going to see them in person.

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And if not,

well, then. Oh, well, I'm here.

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Okay.

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Disney.

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Disney to invest

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1 billion in open AI in major deal

that boosts

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Sora in Hollywood.

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Yeah, so that's a mouthful. Is that.

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And on the press release

there, it's a picture of Darth Vader.

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So I'm thinking, okay, what?

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You know, what are we doing here?

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So I had to do a little bit of,

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investigation into,

first of all, the term Sora.

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It is a, product that I makes that,

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pushes out clips, video clips.

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So, users of the

AI video creation platform,

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according to the press release,

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will now be able to create

clips of 200 characters

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from Marvel, Pixar,

and Star Wars franchises.

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That's what Sora's for.

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Oh, so I don't know exactly what

we're going to see them doing with this,

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because when they try to do

AI with, Darth

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Vader's voice, that didn't go too well,

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I don't know if you remember the story

from that earlier in the year.

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They used it in a game or something,

and, players could get, drones,

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you know, or drones to say things

with his very iconic voice

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and naughty things, because, of course,

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that was the first thing

everybody tried to do, and it worked. So,

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okay, that's bad.

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So though I haven't seen some interesting,

I don't

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I've been seeing some interesting

things on YouTube and I'm wondering

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if that is related to that.

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A whole bunch of

what if stories were Star Wars.

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So I'm wondering, and it may very well be,

I think that if I were to put a

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kind of looking at retro tech a little bit

and describing this in early days,

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there was something called Napster.

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You probably remember

downloading illegal music.

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And, from that everybody was going

to, oh, we're going to stop it.

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We're going to stop all of this.

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Well, I don't know about you,

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but I have an MP3 player

and have for the last 20 years,

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and I think this is a similar direction

that what they're wanting to do

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is allow fans to create stuff

using Disney's intellectual property,

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but still have control over

what's being done.

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So it's like the if you can't beat them,

join them kind of philosophy here,

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which actually makes some sense

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because this would be something that done

right, would allow for audience

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interaction, fan interaction, again,

without feeling like they're being,

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smothered down.

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Yeah, yeah.

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And where some of the changes

as of recording right now,

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we don't know for sure, but,

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the CEO of Lucasfilm is supposed

to be changing at the end of this year.

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If that happens,

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maybe we're looking at some things

that will bring

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the fans back into Star Wars

and some of these other franchises,

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which in my opinion

would be a very good thing,

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because that's always what it was about

when George Lucas ran it.

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And it still should be what it's about.

It's the fans.

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It really is that make these things

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successful or not, and really give

the energy that Star Wars has

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a place that already has enough of these

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3D printing spider

bot can build a house in one day.

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I mean, Australia lost.

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Oh yeah, you can build. Go ahead and wait.

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Before we started recording,

you gave an explanation.

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I hear there's spiders in Australia.

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Like real ones.

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Yes. Terrifying things.

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So I don't know.

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I guess if you have them,

you know, build on them.

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This thing actually does

kind of look like a spider.

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It, is designed

as the headline says, the full size

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homes up to 22,150ft² in just 24 hours.

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Talk about production of houses.

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And it says it,

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operates with the speed and efficiency

of over 100 bricklayers with built

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without waste or fatigue,

which actually is kind of a big deal,

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because if you've ever seen a construction

site,

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there's a lot of waste that goes along.

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Almost as much material

that goes the end of the property

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seems to go into the dome.

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And, it would be nice to see something

that would make that

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a little more sustainable.

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Uses sustainable cement remix.

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Made from sand, crushed

brick and recycled glass,

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producing walls that are fireproof,

resistant and highly durable.

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It's six legged

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design, are you the spider allows it

to move and build across uneven terrain,

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ideal for construction or remoter disaster

hit areas where human labor is limited.

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And I could see something like there.

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I know here

we have a huge housing shortage.

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You know,

if we get more homes that were affordable

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and that kind of a thing,

it would make a huge difference

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for the quality of life

for a lot of people.

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So looking at these kind of technologies,

there actually is a very valid

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good thing for, as long as it works.

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The biggest concern

I have about stuff like this is that

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going in, it has to work.

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If this comes out

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and there's a whole bunch of problems

with the houses that are built

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or quality of construction

or anything like that,

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that could really throw this off

the rails.

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On the flip side, if it's successful,

we could see something

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that really could help in a lot of parts

of the world where we need shelters.

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And from what I see of the pictures

of what this builds, it's nothing bad.

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It's actually a really nice looking house.

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Cool California

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judge rules

that Tesla engaged in deceptive

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marketing around autopilot

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right now.

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Anybody

that's been off world in addition to.

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Please let me join you.

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Tesla's had some controversy.

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Let's just put it in their,

recent past here.

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One of them is is their autopilot.

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And this whole thing blew up

and got into court

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and has been dragging

through the legal system for a while.

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And what it is

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is that the autopilot or full Self-Driving

is not actually an autopilot.

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It's not actually full Self-Driving.

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And the state of California is saying,

well, there's a problem.

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If you say that it does this and it's not,

you know, AI deceptive

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advertising, right?

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Yeah.

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So this is finally come out.

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And basically

what has been recommended here

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is that the company should face a 30 day

suspension of each of its licenses

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to sell and manufacture cars in the state

or any of the California DMV.

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First of all, in my opinion,

it's like, ouch, you know?

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But, what's happening right now

is they've been given a 60 day window

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to fix this problem,

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and then they're going to go from there

if they aren't resolved in 60 days

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and they move ahead with the suspension.

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So it's basically been stayed

until they fix this problem

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with what's going on with Tesla right now.

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They may or may not do.

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I mean, it's entirely possible.

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They're just going to say, well,

you know, I'm tough that you've said that.

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So I don't know.

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It's hard to say, what direction

this is actually going to go.

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But in all reality,

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even though this doesn't sound like a lot,

I do think a 30 day suspension

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of being able to sell your product

in a state like California

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probably would be noticed on a bottom line

somewhere.

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Yeah. So you know, who knows what this is?

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It forces them to fix the, practices

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of marketing this for something

that it's not and it's not its job.

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If they actually get the suspension,

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which most other companies,

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but it'll be interesting

to see where that goes.

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So I do think it's kind of nice to see

that the state is actually said, hey,

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what you're doing is wrong

and you need to fix it,

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and we're actually going to do something

if you don't,

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because that doesn't happen so many times

when there's these kind of problems,

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they get married or whatever,

you know, happens, happens or does.

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And so this is one

where it's actually going to be,

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you know,

interesting to see where this goes.

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That was a, I'm sorry, beneficial to the,

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the general public, you know,

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so it seems that the market

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has a really taken

too much interest in this.

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Is the Tesla stock price

close at a record on Tuesday,

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largely due to increased enthusiasm

on Wall Street surrounding

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the company's plan for its robotaxis

and driverless technology.

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I wonder if the driverless technology

is going to be really driverless.

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We'll see.

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Maybe another 30 day fine.

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If it's not tomorrow.

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The Oscars will move to YouTube

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in 2029,

leaving their longtime home of ABC.

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So we've talked about a lot of the changes

that have happened very recently.

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Really.

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It's been gearing up

cable cutting and cutting,

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all that stuff, been around for a while,

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but the last 2 or 3 years,

it seems like it's really changing.

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Covid kind of initiated this,

but with the technology

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where it is now and stuff,

it does seem like the old method

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of television, linear television,

that kind of stuff is certainly retro.

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I don't know if I want to say obsolete.

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There still is a place for it,

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but we are seeing a lot of different

things happen like this, like the NFL too.

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If you watch it online and the Oscars

moving, is or the Academy Awards

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in this matter of moving, sorry, Academy

Awards and the Oscars are different.

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The Academy Awards

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because it is something

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that is a huge change from the way

that they've always done in the past.

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Will you get an Oscar

at the Academy Award?

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I understand that, but it's okay.

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Oscar, that's a yeah, I don't know.

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I guess I'm thinking there a little bit,

but it is.

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Yeah, it's the Oscars. People refer to it.

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It's really the Academy Awards.

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I don't know, maybe it's

just things like this that I care, but,

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Oh, right.

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Speaking of Oscars and Academy Awards,

let's talk about your new book.

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Yeah, right.

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I think the award that should be

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given here is that you've had the patience

and the ability.

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It is actually published. It's done.

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It actually happened.

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You know, we've actually got two different

things we're talking about here.

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And one book, The Night School Journal,

which talked about both of these

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in the past.

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We're going to get into a little bit

more detail on them here in just a minute.

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But The Night School Journal is a book

in that you start writing, backing

359

up, what, 2012, I think, 2012 or 2013,

something like that.

360

Yeah.

361

So a while ago and then you and a pause it

well it was all right.

362

Oh there's different philosophies

on how to write a book.

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And there are some people

who just sit down and,

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oh, I'm just going to write this story,

you know, and they don't outline anything.

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And I'm normally

an outline kind of person.

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But when I started that story,

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I just sat down and started writing it.

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And so I kind of went along

and all of a sudden

369

it's like,

I don't know where I want to go now.

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I don't, you know, and so I had to, like,

set it aside and work on something else.

371

And it took me like ten years

372

to finally circle back to it

373

and get myself to give it a, an ending.

374

So. Yeah. And it's. Yeah.

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And the thing of it is, is I,

376

I had read the first part that you had

written back ten years ago, 15 years

377

and whatever it is now, and liked it

and was hoping for an ending.

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And the one that you wrote,

I think it really well,

379

you've kind of modified it from

its original, set up.

380

So it's actually part of cyber hockey now.

381

You know, there are connections there.

382

It's not part of the actual series,

but it is definitely the connection.

383

And basically the synopsis of the book

is a young man who is a modern day night,

384

basically are training to be

and things that revolve around that way.

385

Can you give us a little bit better of a

386

maybe a synopsis than what I just

oh, he's not a it's not a night.

387

Yeah, he's a kid.

388

This is the coming of age story nights.

389

This is this is where a kid, he's

just a regular kid.

390

He's not, like,

super fancy, like Harry Potter,

391

who's a wizard or or,

you know, an orphan or anything.

392

He's just a regular kid who has divorced

parents

393

and, he finds himself,

394

going to a private school

that he picked kind of by accident.

395

And it turns out

it's a school for knights.

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And he makes wonderful, connections there

with lots of really neat kids

397

who kind of change his life.

398

So it's a coming in age story. It's it's.

399

Ladies and gentlemen.

400

That is why you let the author

describe their book instead of green.

401

Yeah. Yeah, yeah.

402

Yeah.

403

You know, seriousness,

this has been a journey, and I've been,

404

you know,

working on some of the logistical stuff.

405

But, Gretchen,

you've been really doing the thing,

406

and we've we've had some times,

you know, this year

407

we've had a lot of amazing authors

on talking about some of the different

408

things that they've dealt with,

409

both positive and negative

and some of the pitfalls.

410

And I think we have a bit of more

of an understanding of all that now.

411

Oh, yeah. Yeah.

412

Writing the book is actually

413

and coming up with

the ideas is the easy part.

414

Yeah.

415

It's, it's, getting it, edited

and published to the point where,

416

other people like it

and we'll put it out there,

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and then the marketing is going to be

another beast to wrestle and wrangle.

418

I'm not a marketing person,

so this should be interesting.

419

Back to that in a in a minute.

420

Yeah, but just talk about the journey

a little bit.

421

And, this is where, you know, you really

do have to check everything out.

422

And sometimes when you do,

you still can have problems.

423

The book is being conventionally

published.

424

In our market, it's going to be print

on demand and some others.

425

And it's the way the distributors

hang on the line.

426

But what happened is

427

we had a large company, large publisher,

well known, and well respected.

428

It was going to take care of this and,

send us off to a department

429

that, unknown to us, was owned

by a international situation,

430

and we had gotten two thirds of the way

through the, editing process

431

and finalization.

432

And all of a sudden,

I had sent them an email on something

433

and about the website,

the staff email, just all at once.

434

About two weeks later,

I got an email from a Gmail account

435

saying, oh, yeah, the website's been down

for maintenance, and,

436

we're still here, so just contact us

over email as I'm going. No.

437

Yeah, that

doesn't instill a whole lot of confidence.

438

And I have a friend

who's in the entertainment

439

industry who's kind of acting

like my guardian angel,

440

and he's like,

you need to get the heck out of Dodge.

441

Oh, okay. Okay.

442

Yeah, it was exactly what happened.

443

But it wasted,

like three months of effort.

444

And it did, you know,

and then they kept coming back with stuff

445

where they were editing your words

and changing things around.

446

And, you know, it's like, no,

447

you don't change the author's words.

448

I mean, you do if you're asked to.

But that wasn't the case here.

449

It was more go through it, make sure all

the words spelled correctly and format it.

450

That's somehow I, you know, if,

if if you want a coffee,

451

the barista just needs to say, here's

your coffee, sir.

452

We don't need drama, but we got it really?

453

Yeah.

454

Okay.

455

Tom is laughing somewhere.

456

Yes, I'm sure insights, boy.

457

Go to the website.

458

The details are there,

but you have to dig for them a little.

459

But anyway, on that note, we were able

to, fortunately get out of that.

460

I had to stop a payment on a credit card,

you know, as a chargeback and everything.

461

So we didn't lose money,

but fortunately, we were able to do that.

462

Now everybody is so and so.

463

Should we mention where you can find it?

464

Yeah. Well, of course we're going

to mention where you can find it.

465

And it's on Amazon.

466

And you there's two ways to get to it.

467

You can either do it directly at Amazon

or if you go to user

468

friendly Dot show and go to our shop

and click through it.

469

From there, we got a little bit of a,

470

reference for that, plus anything else

you might buy on Amazon at the time.

471

So I don't mind

taking a little bit of Jeff Bezos money.

472

He doesn't mind giving it to us.

So that's help.

473

The show doesn't cost any more to do that.

474

But the thing of it is,

is yeah, it's available on Amazon.

475

But there's a direct link on our website,

cyber Hockey, Roscosmos,

476

the main website for the book, of course,

can get to it from there as well.

477

And right now

we're going through an introduction issue.

478

Starting to say earlier

dealing with the marketing,

479

which is updating the websites

and doing all the other stuff, and the,

480

distributor sent over a marketing plan

outline, which we're going through now.

481

We're going to do

this is our soft launch, as they call it,

482

and then the hard launch will be in

about 30 days where there's going to be,

483

you know, regular promotion

and all that kind of stuff.

484

But yeah, definitely something

that's worth checking out in my opinion.

485

Now it's on Kindle if you prefer, right.

486

You can get around the Kindle

487

and then you could get a hard.

488

Yeah, yeah.

489

So it's depending on what is preferred

or you know what,

490

I think you should check them out.

491

Yeah. Both.

492

Go ahead and buy

both and see what you prefer you know.

493

Yeah.

494

Oh. What the theme of videos is.

495

It's been quite the journey.

496

And then the next one

that's just about out

497

is the first one in the Cyber

Hawk series called Rise of Heroes.

498

And we're through the final,

editing process on that right now

499

as we speak here.

500

So probably by the time this airs,

501

hopefully it will be available

to purchase all sorts cyber hackers.com.

502

And, I don't know if.

503

Gretchen,

is there anything else you want to tell us

504

in our last 30s of the segment?

505

I don't know, I can hardly believe

that it's actually happening.

506

So I'm excited,

507

I think, from everybody.

508

Congratulations.

509

I mean, you've worked for this, and it's,

510

it's kind of nice to really just see

it actually actually be there.

511

All right.

512

This is user friendly 2.0.

513

We'll be back after the break.

514

The snow's coming down.

515

I'm watching, you.

516

I love people around and maybe any time,

517

the church bells now.

518

Welcome back.

519

This is user friendly 2.0.

520

Check out our website at User Friendly

dot show.

521

That is your one stop for everything

user friendly play back episodes.

522

Check out the podcast,

see what's coming up.

523

Give us your questions in your comments.

524

We appreciate your feedback.

525

User friendly dot show.

526

And you can also check out

our social media on Facebook,

527

blue Sky and LinkedIn,

which is also on the website.

528

If you'd like to follow us there.

529

All right,

so let's close for the year or something.

530

Very very happy

sarcasm sign is actually a topic

531

that's come up and was something

that we were asked to talk about.

532

And when I started looking into this, it's

kind of like, yeah,

533

we all need to be aware this time of year,

we tend to all get very busy.

534

You're dealing with stuff,

especially right now.

535

Christmas is what when this airs,

when five days away or something.

536

I mean we're it's that time of year,

last minute stuff.

537

And you know, you're dealing with things,

trying to think about it.

538

And even people that are very, very up on

scams are going to have some problems.

539

And what I wanted to do

was talk about a few of these.

540

Now, these aren't necessarily like new.

541

This is just come out

and somebody dreamed it up.

542

But there's

543

either stuff that's happened in the past

544

that's really coming back

or kind of a reboot, if you will, or,

545

you know, update to something

that was going on before.

546

But the first one here is one that,

547

a lot of people have had this happen

and it's very easy to do.

548

This started about two years ago

and it's been ramping up.

549

And it has to do with the tap cart,

you know, like have to pay.

550

So most of our credit cards,

you can put them into the reader,

551

as always with the chip

or you can tap them.

552

Well that's fine and usually very secure

except at an ATM machine.

553

Now here's what's going on.

554

Involves glue and somebody that appears

to be very friendly

555

and usually to somebody,

but you don't see the other

556

when you walk up to the ATM

machine, right, to put your card in.

557

And the reader won't accept your card.

558

Yeah. Put it in at someone. Oh, yeah.

559

You know,

we were having problems with that either.

560

Just use your tap, the reader won't you?

561

Will they put glue in the readers?

What's happened?

562

Oh, so

563

people started having problems

where money was missing

564

from their accounts after using the ATM

machines in this process.

565

Oh, well, here's why.

566

When you use a standard ATM card,

567

your session is open

while the card's in the machine.

568

When you take back your card

or session, well, you can't do that

569

with a Tap card,

so it opens and then closes later.

570

So what happens is you do need to reenter

your Pin code on every transaction.

571

So that's where the other person

572

somewhere standing there

watching you put in your pin.

573

So when you leave the machine, unless

you manually log out, it's still open.

574

So the bad guy just comes up afterwards

and starts doing other transactions

575

on your session, on your account.

576

Okay.

577

So then the lesson here is

if you try and use your card

578

and you can't stick it into the reader

like you normally do,

579

and somebody comes up to you

580

and suggests this, you need to go,

oh, I'll do this later

581

and walk yourself into the side

inside the bank where the ATM is located

582

and go, hey,

and tell them what's going on.

583

Yeah, it's

actually you're very much spot on.

584

Report it because people aren't

going to know about this.

585

And yes,

586

there's a way

587

that you can make sure you log out of

your account when you close the session.

588

Now, I personally don't use debit or ATM

cards anymore just because

589

with all the scamming that's going on

and you lose a credit card number,

590

somebody can rub your card,

you lose your ATM debit

591

card number,

someone actually can clean out

592

your physical money

from your bank account.

593

And, so, you know, you definitely want to

be careful with this type of thing.

594

And the tap to pay is usually secure.

595

It's encrypted and all of that.

596

But this is one situation where there's

a little bit of a glitch in the system,

597

because the ATM doesn't know

when to shut down your session.

598

There's no way it would.

599

So they just got it where it keeps it

open.

600

Yeah. You have to reenter your Pin code.

601

Well, you know somebody's watching

if you're not thinking about it.

602

And this other person's,

you know, trying to be nice.

603

So yeah.

604

Just have to pay the other person

standing there,

605

I can assure

you, is looking at that keypad.

606

And that's how

they get at the information. So

607

there is a way to log out.

608

Unfortunately, it's

not the same for every bank.

609

So you have to figure out based on the ATM

you're using how to do it.

610

But something doesn't seem quite right,

611

like the reader doesn't work,

which would be really weird.

612

Gretchen, you're spot on.

613

I would say, you know,

just listen to yourself and, you know,

614

go into the branch or not at the bank,

figure something else out.

615

But just don't let yourself get scammed.

616

Because this would

be very, very easy to do.

617

And you don't need that heartache.

618

No you don't.

619

And it is something

620

that especially around this time of year,

even the other thing of it is,

621

is there's all kinds of differences

in the time you have to get

622

your money back and make claims and,

you know, the banks,

623

it's different from a credit card.

624

But even if you do get on it,

you're going to be

625

without your money

for some period of time.

626

And if it's right before Christmas

and you're trying to do your shopping

627

and now all of a sudden

you don't have your resources to do that,

628

even if you get it back in a few days,

it could still really screw things up.

629

Yeah, yeah. So what's next?

630

What do we have to worry about?

631

The next one is a new version of a scam

that has been around for a while.

632

Gretchen, your mom had this happen to her.

633

I know it's called the panic call.

634

Oh, yeah.

635

So before I get into

how they've changed this,

636

tell us what happened to your mom

real quick.

637

Okay. She kept.

638

She was getting a call from a female

that sounded completely upset,

639

and she was calling her grandma,

640

and, Oh,

641

that's, you know, oh,

my mom has grandchildren,

642

so, And she was trying

643

to get my mom to send money

644

because she was in jail

and she was in trouble.

645

And all of this drama, it was bad.

646

My mom didn't call for it.

647

My mom's pretty smart.

648

She's also had others call,

a young man who calls his grandma.

649

I need blah, blah, blah, blah, blah, blah.

650

And of course, my mom not having any grand

651

male grandchildren says to him,

you need to get a better job.

652

You're ruining your life.

653

Because the guy was a scammer.

654

Housing was, you know, and it's just so

655

the thing of it is, is

what's happening now.

656

This is a this is something

that's been around for a while.

657

I think that happened to her

a couple of years ago.

658

And I remember quite a few years ago.

659

So that part's not new,

660

but what they're doing now,

the new twist on it, if you will,

661

is the scammers go online on your Facebook

or whatever and get voice

662

clips or record a phone call or something,

663

but they figure out a way

to get the actual person's voice.

664

And then using AI, they now make the call

in the correct voice of the person.

665

That would be the daughter or whatever

that's in jail.

666

You know, a victim gets a call,

I've been arrested.

667

Send money now,

kind of like what you were talking about,

668

but it is a lot more dangerous

because it's you're going

669

to recognize the voice is what it's.

670

So, the way they work.

671

This is emotional pressure.

The idea is to get you all worked up.

672

Oh, there's a, you know, kind of thing

to not think about things completely.

673

They still use caller ID spoofing

even though that's supposed to be fixed.

674

It isn't completely.

675

And the sound, the voice sounds right.

676

That's the same.

677

Your voice is now a password

and it's public.

678

That's the way to think about it on that.

679

So how do you defend yourself

against this?

680

Well, one of the things you're suggesting,

681

and this goes back to when these things

started, is having what they call a family

682

safe word in other words,

it's like a password.

683

Everybody that supposed to know

it knows it.

684

And when you call,

685

you can ask the individual, you know,

what is the password or what, how are you.

686

And do that.

687

And if they're not able

to come up with it, then there's a problem

688

you're probably going to get hung up on

at that point.

689

The next thing to do is to hang up

and call the relative

690

or whoever back directly,

not at the number on the caller ID either.

691

You would want to call them back

692

at a known good phone number to,

you know, find out what they're doing.

693

And really, when it comes down to this,

never act on panic calls.

694

The whole idea is you've got a loved one

that's in trouble.

695

Yeah, you're going

to want to help them. But,

696

you know, and it's hard to say this

because it's not like

697

you don't want to help your family,

but take the steps

698

to make sure you're doing the right thing,

because 99% of the time, it won't be.

699

And it's something.

700

And these kind of things will eventually

get you to send money with gift cards or,

701

you know, these transfer things that you

can't get it back and that type of thing.

702

And it becomes incredibly difficult,

if even possible, to recover

703

something like that.

704

And people have lost thousands,

tens of thousands of dollars.

705

There's really some stories out there

that are very, very scary.

706

So somebody is going to get a lot of coal

this year.

707

Yeah. What you're saying,

708

speaking of which

is something called dark pattern scams.

709

Dark pattern scams.

710

Yeah. All right.

711

So this is another one.

712

It's been described to me

that this isn't even illegal.

713

It's just deceptive. Okay.

714

I'm going to use an example of where this

really hit the news about two years ago.

715

But we're starting to see it in

a lot of other places.

716

It is the product of people, money.

717

Now, PayPal, for anybody that might not

know, is a service

718

that used to be owned by eBay,

and you use it to pay things online.

719

They've gotten into cryptocurrency

and stuff lately and that type of a thing.

720

There's different schools of

thought on it.

721

It's safe or it's not,

or if people like it or they don't,

722

but that's not particularly relevant

because what's happening here

723

is another part of this,

where you get a pop up

724

ad somewhere or email or whatever,

even from PayPal,

725

because they own this company,

PayPal, honey.

726

And it says, install this

browser extension.

727

Anytime you go to a website,

we'll find the best deal.

728

We'll get you coupon codes, we'll do

all of these different things, okay,

729

so what's actually happening here

and the reason why this is a problem

730

and PayPal funny is by the way, it's

not the only one that's doing this.

731

It's just one of the better

known ones is two things.

732

Most of the time,

especially content creators

733

on YouTube

shows like us, a lot of different places.

734

We'll have links that,

735

get your organization,

your show, a little bit of a kickback.

736

If you make a purchase through, it's like,

737

you know,

we were talking about your book, right?

738

And if you go to User Friendly's

739

website and click on your book,

740

you still pay the same price

for that doesn't change anything.

741

But because we've referred you to Amazon,

there's

742

a main promotion thing in there

where we get a little bit back

743

and then once you're on Amazon, of course,

744

if you buy anything else,

it works for that too.

745

So it's just a really nice way to help

creators and other small businesses.

746

Well, when you install this thing,

when you go to the website

747

that it's referring you to,

it changes the referral code, unknown

748

to you, to send the money

to PayPal or PayPal, honey.

749

So now the person referring

or the company referral

750

never sees what they should see

from doing the promotion.

751

And the other thing

that's coming down with this, at least

752

the allegation is, is that it doesn't

always give you the cheapest price either.

753

So if you're the person buying it,

it might make some suggestions.

754

But if for some reason

they have, a contract with somebody

755

or something else

or want to promote one brand over another,

756

it will never tell

you about the lowest price.

757

So you really have to think for yourself.

758

Yeah, yeah.

759

And,

760

I think think of it this way.

761

If the product is free, it's really not.

762

You're the product

when you think about it, right.

763

There is a cost.

764

It just might not be money

out of your pocket.

765

And this is true

especially in shopping. So

766

best thing to do is review your browser

extensions.

767

The different browsers

have different ways of doing this,

768

but there's usually pretty straightforward

to get in.

769

Look up instructions on how to do that

if you need to just,

770

you know, search for it and

771

remove anything that you don't actually

use or at least deactivated.

772

So if you're going in there and going,

what is this?

773

You probably aren't going to use it.

774

And if you do need to use it,

you'll figure out very quickly

775

that whatever it is went away

and it was legitimate.

776

Then you just reactivated or reinstall it.

777

But again, this is something

that actually affects the seller

778

and the buyer in a negative way

and makes money for the third party.

779

Now there's some of these that seem

780

to be very legitimate on Capital

one credit card has one, and

781

I've never heard of a problem with that.

782

And I know that I've used that for some

referrals and things, just to be sure.

783

I started testing all this

when I found out about this,

784

and that one we did get the credit for,

at least when I used it.

785

So it's not that they're all bad,

and it's not that all these services are

786

somehow should be avoided,

but it is very important to make sure

787

that you're doing business.

788

I would say with somebody that's legitimate, PayPal is a legitimate company.

789

So it's

790

not like, you know,

this is some third party weirdo thing.

791

It is something that is, is out there.

792

So anyway, I again,

793

that just sounds like they deserve

to have Kohl's stuffed in their stocking.

794

Yeah, it just seems like a

they're going to be in court.

795

There's a class action that was filed,

you know all that kind of stuff.

796

So everybody in the class action

you know, get a preorder of hash browns

797

at a local restaurant.

798

It settles,

but the attorneys will get paid.

799

Oh my goodness.

800

All right.

801

Let's see, next one that I have

on my list here is remote chip scam.

802

So back to the chip parts.

803

All right.

804

So this is another interesting one

and one to think about again

805

with the contactless have to pay lanes

modern version of ATM skimming.

806

If you haven't heard of C,

807

I mean that's where the bad guy puts

something over the reader

808

so it can read your card

as you're putting it down.

809

Usually has a camera.

810

So I can see the, keypad and chip cards.

811

And these type of things

were designed to help with this.

812

Well, the bad guys have figured out

a bit of a way around that, and one

813

that you might not even know

that you've had this happen

814

until days later

when you see your credit card statement.

815

Way this works is the thieves have two NFC

near field communication devices.

816

This is the kind of thing

that's built into the reader credit

817

card machine, ATM,

whatever to read the card when you tap it.

818

So you

819

have a receiver on one end

and somebody standing at the other.

820

Let's say it's a payment terminal

at a store or something.

821

You're standing at the self-checkout

payment terminal,

822

and the other guy has a reader,

and they walk by your wallet

823

and it transmits

the code from the card in your wallet.

824

The receiver and the receiver unlocks

the payment terminal.

825

And you're paying with now

the bad guys paying with your credit card.

826

You don't even know that the South

Terminal believes that your card

827

is physically present.

828

You know, and that kind of a thing.

829

So this is becoming a thing.

830

And the equipment to do

this is not that hard or expensive to buy.

831

You can find NFC and, NFC transceivers

832

for legitimate purposes on Amazon

and a lot of other places.

833

And there are good reasons

to have that kind of technology.

834

This is a bad way to use it.

835

So you're dealing with something here

where there's no physical card theft.

836

It works through pockets, jackets

or purses.

837

And the victims many times

don't realize until quite a bit later

838

what about those weird sleeves?

839

Yeah, that's exactly what you do about it.

840

Oh, okay.

841

Now RFID blocking wallets, sleeves.

842

There's different things like that

that you can buy is fairly inexpensive.

843

Again, you can get these anywhere online.

844

And a lot of stores

and you basically slide your card.

845

And these are good to use for passports

and other things

846

that have these type of technologies

847

which slide your card in the pocket

and lock it.

848

And the other thing of video

is if you don't see it

849

or if you don't use it, have to pay.

850

If that's not something you use,

you can turn it off.

851

Usually a credit card,

you can go into your account, your online

852

account, say, hey, I don't want to use

this, don't, you know, don't have it work.

853

The other thing that is recommended

for this and a number of other

854

things, is most credit cards offer a way

that you can go on into your settings

855

and get alerts when the card is used.

856

And a lot of people have these set up

defaults, different things like that.

857

But you want to set something

called low transaction alerts.

858

There's a lot of times people are doing

this aren't going to run up $10,000.

859

That would set off a lot of bells,

but they might do 100 bucks kind of thing.

860

And, from that standpoint,

861

those are just,

you know, some of the different things.

862

It's always a good idea

to keep track of your financial accounts

863

and use the tools that are available

before it takes a little more time.

864

But at the end of the day, it's going

to save you a lot of time and heartache.

865

Did you get hit with

one of these of many scams?

866

You know, so it's too bad really,

because the technology and the convenience

867

of things like tap to pay are really good,

and they actually are designed well,

868

they're encrypted,

all this different kind of stuff.

869

But if you can actually read and do it

870

in real time,

you do get around that protection.

871

And it is definitely something that

I know.

872

I put my cards in the blocker

873

and it is a little bit of a pain

because every time you use it,

874

you have to pull it out

and it's hard to put it back,

875

and I've had that,

but you still should do it

876

because it's that little bit of difficulty

is definitely worth doing

877

so that you don't have

these kind of things happen.

878

And if it's a credit card,

then you have, you know, I've my cards

879

been run up and, you call the credit card

company and deal with it.

880

But like we're saying earlier,

881

if it's a debit card,

they actually get you your physical money

882

and you want to make sure

that that just simply doesn't happen.

883

All right.

884

Do we want another one?

885

Yeah. There's more.

886

Oh, this is so cheerful. Yes.

887

Happy holidays everybody.

888

Let's tell you how

your money is going to get.

889

So and actually what we want to do

is make sure that that doesn't happen.

890

And that's really what this is about.

891

Yeah.

892

So this one's not a new one but

it's still happening and happening a lot.

893

And it has to do with the use of QR codes

on things like parking

894

meters, restaurant menus,

that type of thing.

895

So there's a lot of places

where you can go.

896

We just we're a mansion,

which is a museum.

897

You're in the Portland area,

that we like to go to every year,

898

and you have to pay at the parking lot

to pay.

899

Now, that might already be considered

900

a rip off,

but it's a legal one from the city.

901

But this part isn't.

902

What the scammers will do is you scan

a QR code to pay for your parking.

903

In this case, restaurant,

you might scan a QR code to see the menu.

904

There's lots of different ways

that they make this work.

905

Well, what the bad guy does is

they stick a fake QR code

906

on top of the real one,

and if you do it right, you don't know it.

907

It's almost like a skimmer in a way.

908

So now you scan the code,

it goes online to a place

909

where you can make your payment.

910

So now you're putting in your credit card

911

information and stuff to make payment

for parking and giving the bad guy

912

all that information.

913

On top of that, you didn't pay to park.

914

So you're gonna probably have a

pretty good ticket when you come out too,

915

because they're going

to say, well, you never paid.

916

You know,

917

same thing

918

on the restaurant menus

and stuff like that, too.

919

We ran into this when,

Jeremy was still with us.

920

We were up at, I think.

921

Oh, like, oh, we're,

one of the areas around Lake Tahoe.

922

Was it South shore? North shore?

It would have been.

923

It would have been

by the California border on 86.

924

What is that? Truckee.

925

Okay.

926

We went to a restaurant.

927

This is right after Covid.

928

Kind of was starting to back off,

but they had everything touchless.

929

So to get the menu for the restaurant,

930

you had to scan a QR code

that was on the table.

931

And this wasn't something I was thrilled

about anyway, but it worked.

932

I mean, you got the menu up,

we didn't have a problem,

933

but that's another place

where the bad guys will put a sticker.

934

So you might even get the menu from that

restaurant if they've done their work.

935

And then when you go to pay for the meal,

we'll have something like, okay,

936

you know,

put your order in. Now, pay for it.

937

You do.

And your credit card number, the bad guy

938

love life.

939

So reason it works.

940

Really what it comes down to

it is through our code.

941

So you'll officially see them

all over the place.

942

And generally they are press badges

QR codes on them.

943

I mean, you know, it's used very much

in a lot of different ways.

944

You don't see the URLs before click

and you scan the code and it opens

945

to whatever website that URL goes to.

946

You don't actually see what it is.

947

You can look,

948

it'll be in the bar, but most people don't

because you don't think to do it.

949

And you do see this a lot in tourist

areas.

950

You're on holiday

and thinking about other things,

951

and the bad guys know that they know

exactly what they're doing.

952

One of the things

that's been told me to me too, is I or,

953

you know, cybersecurity

and work with people on that,

954

and we have 80 hours

a day to defend against that.

955

These guys have 24 hours a day

to come up with these schemes.

956

So that gives them a little bit of an

edge, you know, and unfortunately it does.

957

So one of the things to look for is

if you do scan on to one of these things

958

that the payment site feels a little off,

or it asks you for

959

unusual extra personal info.

960

Or there's things like typos or odd URLs

that kind of stuff.

961

You know, the restaurant menu

962

goes to my restaurant for you,

which that extension is Russia.

963

That probably would be a good idea

to think that there's

964

something really wrong here,

you know, if it feels off,

965

unfortunately, with the use of AI

and stuff now, they're able to make it

966

look a little more real.

967

It isn't as like it was.

968

I think that

969

the best way to defend against this,

and there's not a 100%,

970

is when you scan the QR code

that you want to use,

971

it does actually allow you to see the URL

that it's going to just most of us

972

don't look at it.

973

And depending on

how your device is configured,

974

it may or may not automatically

be on the top of the browser,

975

but there is a way to turn it on

976

and a way to check for it

and just get in the habit

977

of taking a second or two to,

you know, look at it.

978

If it's, in the case of the parking lot,

it's supposed to go to

979

a thing called parking Kitty,

and it says so right on the sign.

980

And it did.

981

But if it's going to something

completely different or some weird thing,

982

then it's a way to.

983

No, that's

probably not something you want to get,

984

you know, get involved

when you're with. So

985

anyway, just some stuff and some heads up.

986

This time of year, we're supposed

to be spending time with our families and

987

being able to enjoy ourselves, participate

in our various religions,

988

and do what's important to us.

989

Not a time

that you want your money stolen.

990

So just thinking about this

a little bit more

991

might save you a huge amount of hassle.

992

All right,

now that we're done with all of that,

993

Christmas is coming up.

994

It's your New Year's

is right around the corner.

995

I can't believe it's already

that time of year.

996

And I cannot believe we are starting

the eighth season of User Friendly 2.0.

997

I know we talked it up in the top as well,

but I don't know.

998

It's just so, so much has happened.

999

We have another guest post

that's going to be joining us,

00:46:07,531 --> 00:46:10,734

which we'll go into when we get there.

00:46:10,734 --> 00:46:13,137

But we were talking

about some of these different things.

00:46:13,137 --> 00:46:16,340

And, you know, user

00:46:17,341 --> 00:46:19,309

It was like version 1.0.

00:46:19,309 --> 00:46:20,277

We're just user friendly.

00:46:20,277 --> 00:46:22,379

We started

we've talked about this a little bit.

00:46:22,379 --> 00:46:28,385

We we started in a mall at a, in Reno,

you know, and it was crazy.

00:46:28,619 --> 00:46:29,286

It was crazy.

00:46:29,286 --> 00:46:31,755

But we got our feet wet, you know,

00:46:31,755 --> 00:46:34,825

and during that time, we've had some years

where we've produced

00:46:34,825 --> 00:46:38,762

every week on 1.0, it's

some years that we just did a podcast.

00:46:38,762 --> 00:46:42,533

Now, the 2.0 version, since we moved over

to, Salem Media

00:46:43,033 --> 00:46:44,368

has been pretty much weekly.

00:46:44,368 --> 00:46:46,136

It's been an amazing thing.

00:46:46,136 --> 00:46:47,104

It's been a lot of fun.

00:46:47,104 --> 00:46:49,773

There's been a lot of things

to the journey.

00:46:49,773 --> 00:46:52,409

I would tell you, you know,

we started that before Covid.

00:46:52,409 --> 00:46:54,945

So we were in studio

at the time we started, you know,

00:46:54,945 --> 00:46:57,781

doing this in that revision.

00:46:57,781 --> 00:46:59,349

And then Covid happened.

00:46:59,349 --> 00:47:00,384

So all that close down.

00:47:00,384 --> 00:47:04,254

So we all got our home

studios and Covid ended and we all decided

00:47:04,254 --> 00:47:07,991

what's what's you're not going to drive

45 minutes each way, you know, to record.

00:47:07,991 --> 00:47:09,626

Not necessary.

00:47:09,626 --> 00:47:12,663

And you like your ability to participate

is because of the way

00:47:12,663 --> 00:47:14,765

the technology has changed

because you're not

00:47:14,765 --> 00:47:18,202

local, you know, and it's wonderful

that that's something that you can do.

00:47:19,369 --> 00:47:19,770

Yeah.

00:47:19,770 --> 00:47:20,871

It is.

00:47:20,871 --> 00:47:23,540

Oh, the other thing

that's been really cool about the change

00:47:23,540 --> 00:47:26,910

in technology too, is the fact

that we used to be limited on.

00:47:26,910 --> 00:47:28,712

Yes, we've got some amazing guests,

you know, that

00:47:28,712 --> 00:47:31,815

come on the show, but we were limited

to who could come into the studio,

00:47:31,815 --> 00:47:35,552

which meant or like, you know,

there's a a lot of people available here.

00:47:35,953 --> 00:47:38,488

But then they too came in

with some of the new technology.

00:47:38,488 --> 00:47:41,592

We're able to talk to people

all over the world and do.

00:47:41,592 --> 00:47:44,595

And it's just just amazing. So, you know,

00:47:45,195 --> 00:47:49,433

so as far as all of that goes,

it's been an amazing year.

00:47:49,867 --> 00:47:52,469

We're looking forward to another one.

00:47:52,469 --> 00:47:55,272

And for the last time,

I'm going to be able to do this.

00:47:55,272 --> 00:47:58,275

I invite everybody

to participate in the Season of Giving.

00:47:58,675 --> 00:48:01,678

This year, we've been proud

to support the William Temple House

00:48:01,745 --> 00:48:04,248

or a user friendly show,

or William temple.org.

00:48:04,248 --> 00:48:05,949

See what they're doing.

They are raising money.

00:48:05,949 --> 00:48:07,751

They help provide

00:48:07,751 --> 00:48:11,555

free or low cost mental health services

to people that you did in Portland,

00:48:11,889 --> 00:48:16,026

and also operate, which this year has

become extremely important, a food bank.

00:48:16,793 --> 00:48:18,328

They also have a really cool thrift store.

00:48:18,328 --> 00:48:20,931

I found out too, that,

or some of the other things

00:48:20,931 --> 00:48:22,399

I do with retro electronics.

00:48:22,399 --> 00:48:24,101

Oh boy, is that worth visiting.

00:48:24,101 --> 00:48:25,936

Not that they have no retro electronics.

00:48:25,936 --> 00:48:28,572

If you're into that, go somewhere else,

but everything else is great to go there.

00:48:31,174 --> 00:48:31,808

It's too late.

00:48:31,808 --> 00:48:32,910

They already got it.

00:48:32,910 --> 00:48:33,577

All right. Yes.

00:48:33,577 --> 00:48:35,178

The cat's out of the bag on that one.

00:48:35,178 --> 00:48:40,117

So anyway, to everybody, merry,

you'll merry Christmas.

00:48:40,117 --> 00:48:44,721

Happy new year, happy Hanukkah and happy

whatever it is you do this time of year,

00:48:45,055 --> 00:48:47,791

00:48:47,791 --> 00:48:51,395

Until then, this is user friendly

2.0 keeping you safe on the cutting edge,

00:48:51,728 --> 00:48:53,430

user friendly 2.0.

00:48:53,430 --> 00:48:57,167

00:48:57,167 --> 00:49:00,170

by User Friendly Media Group incorporated.

00:49:00,203 --> 00:49:01,772

All rights reserved.

00:49:01,772 --> 00:49:05,108

Content is the opinion

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00:49:05,342 --> 00:49:08,712

and not necessarily this station

or platform.

00:49:09,212 --> 00:49:11,682

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00:49:11,682 --> 00:49:12,683

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00:49:12,683 --> 00:49:16,954

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00:49:17,421 --> 00:49:20,624

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00:49:20,891 --> 00:49:24,528

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00:49:24,528 --> 00:49:28,231

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00:49:28,532 --> 00:49:31,168

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