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October 24, 2025 48 mins
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Episode Transcript

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Speaker 1 (00:06):
Come out of a huge basketball scandal that rocks not
just the NBA but the rest of the world gambling
and on games, but not just games, but also rigged
poker games. Plus your thoughts when we hit the abbreviated mailbag,
a mic drop, and much more at the tail end
of this show. But first, as always, I'm Kate Delaney,

(00:29):
and we start with the rundown. All right, So still
the government shutdown rolls on day twenty four. We're gonna
get to that in a second. But I have incredible
breaking news right at the top. At the top, it's
the President saying he's ending trade negotiations with Canada. How

(00:54):
about this. He said he's making the move because of
recent TV ads protests UF tariffs. If you're not a
sports fan, you might be saying, what is he talking
about ads and tariffs and all of that.

Speaker 2 (01:08):
The ads were from Canada.

Speaker 1 (01:10):
When Toronto was in its American League Championship series, they
aired an ad. I was sitting there watching it and
I was in a way, I was stunned. I'm sure
he was watching and that's what he heard, and they
were going on and on in this I think it
was a sixty second or thirty second ad where they
talked about member life without tariffs and how different things were,

(01:31):
and they were showing people shopping and whatnot, and I realized,
oh this, and there was a little a sticker about Canada.
So it was a Canadian AD and of course it
aired in the US because it was part of the
broadcast coverage. So the President said, just a short while ago,
I mean a mere minutes ago on social media being

(01:53):
all trade negotiations with Canada because of those television ads
protesting UF tariffs. He called it egregious, behaved, aimed at
influencing US court decisions. And the post comes right on
the heels of Canadian Prime Minister Mark Carney saying he
aims to double his country's exports to countries outside the
US because of the threat posed by the Trump tariffs.

(02:16):
So the post read like this, the Ronald Reagan Foundation
has just announced that Canada has fraudulently used an advertisement
which is fake featuring Ronald Reagan speaking negatively about tariffs.

Speaker 2 (02:30):
That was the ad.

Speaker 1 (02:32):
The ad was for seventy five thousand. They only did
it to interfere with the decision of the US Supreme
Court and other courts.

Speaker 2 (02:39):
This was all on truth.

Speaker 1 (02:40):
Social went on to say tariffs are very important to
the national security and economy of the US. Based on
their behavior, their egregious behavior, all trade negotiations with Canada
are here behind, terminated, terminated.

Speaker 2 (02:58):
Wow.

Speaker 1 (03:00):
By the way, the Ronald Reagan Foundation said it's reviewing
legal options in the matter, and they invited the public
to watch the unedited video of the Reagan address.

Speaker 2 (03:13):
Wow.

Speaker 1 (03:13):
And remember just this month, it was earlier in the
month that Carney met with Trump trying to ease trade
tensions with our country and their country. And of course
Mexico's rolled into this because there's the review of the
US Mexico Canada agreement. And in fact, that was a
trade deal, remember that the president negotiated in his first term,

(03:34):
but now is not happy about it. Obviously. By the way,
I'm going to throw this in so you know some
factoids here. More than three quarters of Canadian exports go
to the US and nearly three point six billion a
Canadian worth of goods and services crossed the border daily
three point six which, by the way, you do the math,

(03:54):
it's two point seven billion US dollars.

Speaker 2 (03:58):
Wow. I had some more wows for you. And this
was a real shocker.

Speaker 1 (04:04):
I had heard a rumor that there was a big
investigation going on, but never had nailed anything down on.

Speaker 2 (04:09):
This, and of course now it broke wide.

Speaker 1 (04:12):
Portland Trailblazer's head coach and Basketball Hall of Famer Chauncey Billups,
Miami heat guard Terry Rogier, and former NBA journeyman Damon
Jones among thirty four people indicted in connection with two
separate federal gaming investigations announced by the Eastern District.

Speaker 2 (04:28):
Of New York on Thursday.

Speaker 1 (04:32):
It was shocking the things that happened and the tens
of millions of dollars, tens of millions of dollars that
were swindled from people. Here's Jessica Tish, New York City
Police Commissioner, on this gaming crackdown.

Speaker 3 (04:48):
The first case, Operation Nothing but Bett, exposed a gambling
ring built around professional basketball where players and associates allegedly
used inside information to manipulate manipulate late prop bets on
major sports betting platforms. They placed wagers on unders on
players to score less, rebound less, assist less, using information

(05:12):
that was not yet public. In some instances, players altered
their performance or took themselves out of games to make
sure that those bets paid out.

Speaker 1 (05:23):
Wow, we're gonna go deeper on that coming up in
our next segment.

Speaker 2 (05:27):
Meanwhile, government yet still shut down.

Speaker 1 (05:29):
Send it failed to advance the latest bill, the Republican
back measure that would pay federal employees, military members, and
contractors who have to continue to work during the government shutdown.
Now we're rolling into day twenty five. Okay, you want
to know the tally, fifty four forty five three Democrats
across the aisle, the same people we've been talking about.

(05:49):
Republicans said the legislation is needed to bring relief to
those federal workers who remain on the job and are
due to miss paychecks. Here's the President on meeting at
the White House with the Democrats.

Speaker 4 (06:03):
I would like to meet with both of them, but
I set one little caveat.

Speaker 5 (06:09):
I will only mean if they let the country open.

Speaker 2 (06:14):
And that's not happening.

Speaker 1 (06:15):
New York Democratic Senator Chuck Schumer on what the problem is.

Speaker 6 (06:20):
We have a very simple request, sit down and negotiate.

Speaker 2 (06:25):
The onus is on them to sit down.

Speaker 1 (06:28):
And it ain't happening. Senator John Thune put it simply.
The Republican from South Dakota.

Speaker 7 (06:33):
We have negotiated.

Speaker 8 (06:35):
I don't know what there is to negotiate.

Speaker 1 (06:39):
All right, So what you know is that lots of
people aren't getting paid and the government doesn't have any
end insight to this. People are starting to cancel plans
for holidays. Worry about what will happen with holiday travel.
If you are going somewhere, be very careful, have that
plan be tucked away just in case.

Speaker 2 (07:01):
Meanwhile, horrific news. Just the other day.

Speaker 1 (07:03):
This truck driver in our country illegally was under the
influence of drugs in California.

Speaker 2 (07:10):
He smashed into.

Speaker 1 (07:12):
A whole bunch of cars, ended up killing three people
on a major highway. It is infuriated the people in
that area.

Speaker 2 (07:21):
Sad, sad, sad story.

Speaker 1 (07:24):
The driver was a twenty one year old jazz A
pret singing and he's been charged with gross vehicular manslaughter
while intoxicated and driving under the influence. This happened on
Interstate ten in Ontario. Here's the news from the White House,
Carolyn Levitt.

Speaker 9 (07:39):
I can confirm that California gave this individual license, and
it is something that the Department of Transportation has already
looked into. I know Secretary Duffy, who's doing a phenomenal job,
has spoken on this many times in the crackdown, that
the Department of Transportation is taking on these licenses that
are wrongfully being issued to people who clearly do not
deserve to uphold these positions. As for this case in California.

(08:03):
On October twenty second, Ice lodged an immigration detainer for
this individual following his arrest by local authorities in California
on charges, as you know, of manslaughter while intoxicated in
driving under the influence. He killed three people. And he
first entered the United States in twenty twenty two through
the southern border.

Speaker 1 (08:23):
Yeah, and again it happened on Interstate ten. It was
a chain reaction. I saw the video of it, and
in fact, the video was so bad they had to
cover up the cars because of the bodies that were
immediately they were crushed.

Speaker 2 (08:38):
Just awful, awful, awful, awful.

Speaker 1 (08:40):
All right, coming up that deeper dive on the shocking
sports gambling ring that was busted up next.

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Speaker 1 (12:06):
Shocking news today. Although there were people on this case
for a long time, will I say a long time,
a couple of years digging deeper on into what was
happening here. But former eleven year NBA player Damon Jones
even arrested Thursday. I mentioned his name at the top
with these charges that he disclosed privilege injury information about

(12:28):
a prominent basketball player to facilitate illegal sports betting. Guess
who that prominent player was, A really good friend of
his and the King Lebron James Wow. So of course
everybody's always looking for inside information, and that was real
inside information. So he was one of the thirty four

(12:50):
people arrested, along with the big names Portland Trailblazer coach
Chauncey Billups, who coached the first game for the Portland
Trailblazers the other day, and Miami Heat guard also playing
Terry Rozier. So now he's not obviously part of the team.
After a year's long investigation spanning a dozen states involving
tens of millions of dollars. Here's FBI Director Cash Patel.

Speaker 6 (13:16):
Today.

Speaker 4 (13:17):
We're here in New York to announce the historic arrests
across a wide, sweeping criminal enterprise that envelops both the
NBA and Lacasinostra. The men and women up here standing
with me represent a small portion of the leadership team
that brought profound justice in an era that needed it
more than any I'll just highlight some of some of

(13:38):
the details in the case and the FBI work, and
then you'll hear from the others. But as you now know,
individuals such as Chauncey Billips, Damon Jones, and Terry Rozier
were taking into custody today former current NBA players and coaches.
What you don't know is that this is an illegal
gambling operation and sports rigging operation that spanned the course

(13:59):
of year. The FBI let a coordinated takedown across eleven
states to arrest over thirty individuals today responsible for this case,
which is very much ongoing.

Speaker 1 (14:11):
Yeah, so it is very much ongoing. It's crazy because
the investigation outlined two separate cases, like you heard, one
on illegal sports betting and another on rigged poker games
involving the mafia. I'm saying the serious mafia, the Gambino family,
the Banano family, and others. Joseph Nocella, Junior US Attorney

(14:33):
for the Eastern District in New York, said this about
the indictment.

Speaker 6 (14:37):
The first indictment involves six defendants who are alleged to
have participated one of the most brazen sports corruption schemes
since online sports betting became widely legalized in the United States.
This scheme is an insider sports betting conspiracy that exploited
confidential information about National Basketball Association at the fleets and teams.

(15:02):
The second indictment involves thirty one defendants alleged to have
participated in a nationwide scheme to rig illegal poker games.
These defendants, which include former professional athletes, used high tech
cheating technology to steal millions of dollars from victims in

(15:24):
underground poker games that were secretly fixed. The games in
the New York area were backed by the Banano, Gambino
and Genovesei crime families of Lacaza Nostra.

Speaker 2 (15:38):
AH Lacasinostra.

Speaker 1 (15:39):
So by the way, Trailblazer's assistant Tiago's splitter is now
the interim head coach. Portland canceled its previously planned practice
availability with reporters on Thursday afternoon because of it. Because
again so shocking, Chauncey Billups had to turn over his
passport and is required to secure a substantial bond with

(16:01):
a federal court in that eastern District of New York.
His travel is limited to Oregon and Colorado, and he's
also prohibited from any gambling related activity.

Speaker 2 (16:14):
Wow.

Speaker 1 (16:16):
Again, just an absolute stunner. Let me give you some
more on this, because it's crazy what happened here. I'm
not crazy that it's impossible that you could think someone
would try to fix games, right, and we're not naive
to that, And certainly this happened in the past with sports,
there have been many scandals, not just in the NBA,

(16:38):
but in Major League Baseball and some other sports too.
Nozella said, what would happen here is you had celebrities
that were kind of markers or what they were called fish,
and so in the case of the fish, they would
attract underground games in Miami, New York and Las Vegas

(17:01):
and the Hamptons that the people had no chance of winning,
and those involved in The scheme used rigged card shuffling machines,
poker chip trays, and even special contact lenses or eyeglasses
that could read pre marked cards. In some cases, the conspirators,

(17:22):
the alleged conspirators used X ray tables that revealed cards
when they were placed face down. So they're doing this
poker game and they know exactly what the moves are
and more of the money keeps on flowing. One victim
lost one point eight million dollars. Then the money was
laundered by the crime families. And when the people refused

(17:45):
to pay, those defendants did what organized crime has always done,
threatened them, intimidated them, used violence, that same pattern we've
seen for decades. It's mobs what they do. So traditional
mob enforcement methods combined with new technology to expand the

(18:08):
reach of their operation. And because you had famous basketball players,
famous people, they were the fish that attracted the others
to the underground games.

Speaker 8 (18:21):
Wow.

Speaker 1 (18:21):
Rogier was a rested in Orlando hotel. He was allegedly
going to participate in the game fixing scheme that included
prop bets on his availability. And they say between December
of twenty two and March of twenty four, he tipped
people off about his availability for games, citing seven specific
games that they found in their investigation, one against the

(18:44):
New Orleans Pelicans that was already flagged by sportsbooks for
something irregular, and in that March game, Rogier, then with
the Hornets, left the game after just nine minutes with
an injury, and according to investigation, he shared that inside
information and his co conspirator betters made two hundred thousand

(19:06):
in wagers under the table, So of course those bets
paid out and that would generate tens of thousands of
dollars in profits, the money that was later delivered to
his home where they counted their cash. The investigation, which
they called nothing but net, included the previous arrest of
former Raptor center John Tay Porter, who was banned from

(19:29):
the NBA in twenty twenty four and later admitted to
manipulating his performance in two games. He's waiting to be
sentenced now. Nocella said other defendants involved in the case
threatened Porter, who had pre existing gambling debts, in orders
to get the inside information. I mean, this is insider
trader in the NBA. That's what insider trader information of

(19:53):
the NBA. The NBA said they had looked into the
game evolving Rogier against the Pelicans and that no rules
had been and broken. He was with the Heat, who
opened their season on Wednesday, but didn't play because of
a coach's decision, and of course he's lawyered up. His
lawyers strongly dispute the accusation, saying that they characterize him
as a subject of their investigation and not a target. Wow,

(20:20):
this is I think there's going to be some rippling
effects to this. So the Heat is just pushing off
their press inquiries to the NBA. The Trailblazers, they have
their interim head coach. I already told you they didn't
have their reporter availability that they normally have. I think
they're trying to unpack all of this and figure out,

(20:42):
you know, where this is going to go, I mean,
and where it's going to go is I mean, this
is going to end up in court, and I think
there's going to be much more that.

Speaker 2 (20:49):
Will be revealed.

Speaker 1 (20:51):
And it just begs the question, you know, sports and gambling,
and here now more than ever, sports has such has
such an open door with gambling. When you think of
the fact that you can do it, you can gamble,
you can flat out it's it's you know, there's before

(21:14):
it used to be like, oh no, we don't, we
don't condone gambling of any sort and all of that,
and now it's just their ads in the books when
you go to the game day books, when you go
and watch events. So now trickling down two players and
again not shocking that this could happen that that's not

(21:37):
shocking to me. But this is on a big, wide scale,
and you think about it and you look at you know,
I looked at the contracts of Chauncey Phillips. I mean, gosh,
last year he got into the NBA Hall of Fame
when an NBA championship had all kinds of hardware behind
his name. And same thing with Rogier making big money.

(22:00):
So there's a lot of questions on what happens next
in these NBA cases. I mean, they involve current and
former NBA players, and the FBI made it clear that
there are two separate cases, but there is some overlap
and these are Mafia associated poker games against high rollers

(22:22):
and they were enticed to play with former NBA players
including Jones and Billups.

Speaker 2 (22:30):
Wow, stay tuned because.

Speaker 1 (22:33):
We're always going to have more on this, at least
within a couple of months.

Speaker 2 (22:37):
Meet you on the flip.

Speaker 1 (23:01):
I'm really excited about this next conversation. I'm thinking about this.
Imagine tips for turning real life experience into college credit.
Did you hear what I said? Learn how credit for
prior learning can help you complete an unfinished degree and
save money on higher education?

Speaker 2 (23:17):
Sounds so good.

Speaker 1 (23:18):
Devin Andrews, VP of Admissions and Evaluation for University Phoenix,
joins us.

Speaker 2 (23:23):
Now, Devin, thanks for.

Speaker 13 (23:24):
Coming on, Thanks for having me.

Speaker 1 (23:26):
So that really is I think for some people they
don't realize it. So it's really true, right that you
can earn college credit from life experiences.

Speaker 13 (23:35):
Yes, it's really true. You can earn college credit from
work in life experiences. You know, not every student takes
the traditional path to a four year degree right out
of high school. And here's what's interesting. We recently did
a survey with the Harris Pool and we found that
sixty percent of working adults without degrees don't know about

(23:56):
this hidden transfer credit potential, but really deserve to receive
credit for all of it, their learning, their work, and
their lived experiences throughout their educational journey.

Speaker 1 (24:07):
So then it begs the question what life experiences can
help you get college credit?

Speaker 13 (24:12):
So, really, adults have a lot of different learning experiences
that they have pained through their work in life. Professional
training programs, exams, and other sources may give them knowledge
and understanding that's at the same level as a student
who would have taken a course in a similar subject
at a college or university. In fact, according to our research,

(24:33):
thirty nine percent of employed adults spend more than ten
hours a month developing new skills, and universities and colleges
can assess that learning and award credit towards a degree.
Sometimes that might be a standardized activity like a national
testing program or a workplace certification. And there are many
large employers like McDonald's, Walmart, and others who have their

(24:56):
training programs evaluated by the American Council on Education for
credit recommendations.

Speaker 1 (25:02):
Wow, what are the steps, because this is important obviously,
what are the steps to guide people listening on getting
credit for learning what you've already done.

Speaker 13 (25:13):
The first thing that's really important is to document your
learning experiences. Start with your past college coursework, but also
include learning experiences like military service and training licenses, certifications,
Some of your personal learning like parenting, caregiving, community service.

(25:33):
And remember to also include any training that you've completed
at work. And then second, look for tools that help
you to assess the program, time and cost that you're
interested in in any potential savings. For example, at University
of Phoenix, we offer a new mobile app that helps
identify possible transfer credit. And really every college or university

(25:55):
is going to handle this a little bit differently, So
look at this for the schools that have clear policies
and on transferring credits and assessing credit for prior learning.
Because the schools that provide information and resources up front
really make it easier for potential students to understand what
they can expect when they enroll.

Speaker 2 (26:15):
Yeah, and you said, this.

Speaker 1 (26:17):
Is the beginning people don't realize about completing the degree.
But what benefits are there for completing a degree if
for some reason, whatever the reason is, someone wasn't able
to do it the first time around.

Speaker 13 (26:28):
Yeah, So if somebody's considering going back to college, the
data shows that getting their degree provides more career opportunities
and also increases earning potential. According to the US Bureau
of Labor Statistics, people with a bachelor's degree earn about
sixty five percent more per week than those with the
high school diploma alone. Completing a degree can also be

(26:51):
a really important foundation to progress in your career, and
other reasons might include job security, better benefits, maybe flexibility
for remote work.

Speaker 1 (27:01):
Wow, how can somebody who's working but wants to get
their degree convince their employer? This is a big one, Devin,
to help pay for it.

Speaker 13 (27:10):
Yeah, it's important.

Speaker 12 (27:11):
You know.

Speaker 13 (27:12):
Our survey found that fifty five percent of working adults
have self financed their own professional development, and some have
had to decline opportunities due to the cost. But we
also know that in the era of AI, employers really
are seeking to retain their top talent and want to
help their workers upskill and gain more competencies. Many employers

(27:34):
offer tuition benefit programs and may have agreements with institutions
like University of Phoenix. They may offer upskilling programs, apprenticeships
and more. So it's really important to check with your
company and see what programs and policies they have in
place to support you.

Speaker 1 (27:51):
Love it?

Speaker 2 (27:52):
Where can listeners go? For more information?

Speaker 13 (27:55):
Check out our mobile app For a free pre evaluation
of transfer credit. Go to Phoenix Edu Slash Mobile dash app.

Speaker 1 (28:03):
Devin Andrews, VP of Admissions and Evaluation, University of Phoenix,
thanks so.

Speaker 13 (28:06):
Much, thanks for having me.

Speaker 2 (28:10):
All Right, Wow, that.

Speaker 1 (28:11):
Is really great news because why shouldn't you get credit
for some of the things that you've done in your life?
And it's probably I think a lot of people don't
even think about that.

Speaker 2 (28:21):
In fact, I had no idea.

Speaker 1 (28:23):
And I know people that are interested in going back
getting different degrees.

Speaker 2 (28:28):
And we've got a.

Speaker 1 (28:29):
Guess that's coming up next week that went back and
got a bachelor's degree in his seventies, and it's amazing
some of the things that he's done. Absolutely, all right,
would you be stunned to learn that the president has
pardoned the Binance founder. Binance is cryptocurrency and we talked

(28:54):
about this once on the air. It's Chang pen Zow.
He played guilty to Mondy money laundering in a charge
back in twenty twenty three.

Speaker 2 (29:06):
So what the White House released?

Speaker 1 (29:08):
In fact, Press Secretary Carolyn Levitt said that the President
exercises constitutional authority by issuing the pardon for Zoo, who
was prosecuted in the previous administration in a war on
crypto currency and later he was asked a question about
it the president, because you know, he usually a lot

(29:29):
of times in the afternoon, he'll have reporters and he'll
answer questions, and one of the questions was that what
was the decision about this? How did this happen? And
he said it wasn't a crime. He was prosecuted by
the Biden administration. So I gave him a part at
the request of a lot of very good people. Trump,

(29:50):
who is a former crypto skeptic, did kind of a
one to eighty on alternative financial assets, as a lot
of people have done and looking at crypto, and this
was while running for a second term. So he's pledged
to make the US the crypto capital. I remember him
saying that one time of the planet, and has launched

(30:13):
more into that. It's certainly with crypto and I'm curious
as to where that what happens in the next couple
of years with crypto anyway myself. But so the Binance,
the Binance guy, the guy who who has been charged
with money laundering is out, and it's interesting. The Trump

(30:37):
family's crypto firm is called World Liberty Financial and it's
hosted on Finance and it's kind of popularized world. It
has popularized world, liberty, financial the tokens, you know, so
probably on in paper, because that's the whole thing with
figuring out crypto and understanding what crypto is. Probably on

(30:59):
paper that about five billion probably give or take, I'm thinking.
But anyway, there have been a bunch of pardons lately,
and this is the latest in the ongoing pardons here
and there, and I think some people it shook some
people up, and other people said, well, yeah, you know,
he really shouldn't have gotten what he got. He served

(31:20):
the time all of that. But I think that there
are going to be people that are gonna have questions
constantly about crypto in the first place, and again, what
is the role of crypto moving forward in financial markets,
particularly in the US. Right, I have a big, big
announcement to make as far as you ready for this,

(31:41):
do we have a drum roll please for my Halloween
costume because everybody's asked me that. So my Halloween costume
is going to be a witch. I mean, listen, Wicked
is popular. I saw it when I went to New York.
It's great to see the little girl's dress. The second
part of Wicked comes out in November, so why not?

(32:05):
The question is, and you're gonna have figure it out
for yourself. Am I the good witch or the bad witch?
Which one am? I? My husband says I should be
Jingis Khan? What do you think? He said that the
other day. I know I'm not usually a honeydew List person,

(32:28):
but he was gone for a while, so I had
a bunch of different things he's like, and he is
a very funny man. He has a very good sense
of humor. And later in the day he said to me, Okay,
this is the Jingis Khan of the manner? What's next?
So no, I am going to be a witch.

Speaker 2 (32:49):
I love it. I love it when the kids come
to the door.

Speaker 1 (32:52):
I just hope I don't have too much candy because
it's weird too. As many of you have sent me
that people from Saint Louis and even can Etiquette talking about, Yeah,
how do they figure out how much they say they
have average American spends on candy?

Speaker 2 (33:06):
But how do you figure out how much candy you need? Right?

Speaker 1 (33:09):
That's a rough problem to have. Oh, I don't know
how much candy I should bring in. How much candy
do I need to buy because a lot of kids,
let's face it, they go to these controlled areas now
where you have trunks, where they open the trunks and
have the candy in the trunks. And I'm not against that.
I mean, you keep it, you know who the people are.

(33:30):
You put it in a giant circle or parking lot
or whatever it is. So I understand that, but I
love the tradition of the whole neighborhood thing all right.
By the way, there was a football game, of course,
right Thursday night, Sorry Minnesota two and anybody else who's
a Minnesota Vikings fan. The Vikings lose. They went down

(33:52):
on the West Coast. The Chargers beat them thirty seven,
thirty seven to ten.

Speaker 2 (33:58):
It's kind of a boring.

Speaker 1 (34:00):
I was watching the beginning of it, and the Chargers
just dominated them from the get go. Justin Herbert threw
for two hundred and twenty seven yards and three touchdowns.

Speaker 2 (34:10):
I mean, that was big part of the story.

Speaker 1 (34:12):
So the Chargers are now five and three, the Vikings
three and four, and we roll on. Don't forget about
our nail the score. We do that each and every Tuesday.
Tail end of the first hour. You can win some
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(34:33):
what the final score is going to be. We're talking
about scams and banking.

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Speaker 7 (35:39):
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(37:34):
helping you to look good, feel good, and enjoy total wellness.

Speaker 1 (38:01):
So this is something we talk about on the show
all the time. How do you keep your sensitive information
safe from scammers? Paul Benda joins Us is the executive
vice president for Risk, fraud and Cybersecurity at the American
Bankers Association Paul, thanks for coming on.

Speaker 16 (38:17):
Thanks for having me, Kate.

Speaker 1 (38:19):
So we talk about this all the time on my show.
What are some of the most common scams you were
seeing these days?

Speaker 8 (38:26):
Sure?

Speaker 16 (38:26):
Sure, I think one of the most common one and
I think a lot of your listeners have heard this
is are seeing. This is the impersonation scam. The criminals
are really trying to impersonate a trusted empty whether it's
your bank or the government or some retailer, try and
get you to take some action, whether it's to make
a payment or to give up some personal information or
some sensitive information. And what we find is they're leveraging

(38:46):
technology against us. They've gotten to the point where they
can actually change the number that shows up on your
callrd so it looks like it's your bank calling. They've
bought your personal information online, so when they call you,
they might know your name, they might even know where
you live, they might know the last four years social
so they can sound really convincing, and that way they
can convince you to give up the sensitive details or

(39:06):
make that payment, to steal your money or a hack
into your account.

Speaker 2 (39:10):
Yikes.

Speaker 1 (39:11):
What are some of the biggest red flags associated with
these scams that we should look out for.

Speaker 2 (39:16):
We just told of some of them.

Speaker 16 (39:17):
Sure, Sure, A lot of times it's a sense of urgency.
So maybe some of your listeners gotten that toll tech
scam right. They say, you know, if you don't pay
this toll, you're going to lose your license. You need
to act quickly. Or they've reached out to you and
a loved one is in trouble and you need to
make a payment otherwise they're going to go to jail.
So they want you to think and not act. The
other thing is they try and keep it a secret.
They want you they've done some of these things called

(39:39):
like a romance scam or an investment scam, where it's
gone over a long period of time and they want
you not tell anyone about it because they don't want
them interveering. So if someone's trying to make it a secret,
it's a scam. And lastly, if someone out of blue
calls you to try and confirm your details, ask you
for your one time use passcode, ask you for security
credentials around account, that's a scam. If you've reached out

(40:01):
to someone, you know who you're talking to, but if
someone calls you, you have no idea if that text
or that phone call is from the bank or someone
you think it is, well, so.

Speaker 1 (40:08):
Important tell us some of the things that a bank
would never ask a customer through the phone or text
or email.

Speaker 16 (40:16):
Sure, so we're trying to educate consumers through a funny campaign.
You can go to banks never ask that dot com
and we try and use humor. So would a bank
ever ask you if you wear boxers or briefs? Is
a bank and ask you where they believe in aliens?

Speaker 12 (40:27):
No?

Speaker 11 (40:28):
Is a bank?

Speaker 16 (40:28):
And to call you up and ask for your pin
to your debit card or not? Are we going to
call you up and ask for that one time use passcode? No,
we're going to call you up to ask for your
security credentials? We're not. And so these are the kind
of things we want to let people. We're not going
to call you, Like I said, If you call your bank, though,
they might want to confirm who you are, but that's
because you know who you're talking to. You can give
that information out. But if someone texts you out of

(40:48):
blue or calls you, don't talk to them.

Speaker 1 (40:51):
Nice boy. That's a big one that goes around too.
How can we keep our personal checks This is big
too from falling into the wrong hands.

Speaker 16 (40:59):
Right Unfortunately, check for aud is out there, so we
have a practice Safe Checks campaign, Practice safechecks dot com.
And so what we recommend is don't use checks if
you're going to If you have to write a check, though,
there are certain things that you can keep yourself safe.
You can use a gel pen, which is harder for
the criminals to wash that ink off. If you do
send someone a check, make sure you track that check.

Speaker 8 (41:18):
Make sure you know when it.

Speaker 16 (41:19):
Gets deposited in your account it's depositive for the right amount.
And if the bank gives images, check the back of
that check to make sure the right person signed it.
And lastly, if you have to mail one, make sure
you go to the post office. Put it in beside
the post office. We know criminals are trolling around your
neighborhood looking for people to put checks in their mailboxes
and put that steal me flag up. They'll steal that

(41:39):
right out of your mailbox. So if you have to
mail one, go to your post office.

Speaker 1 (41:43):
What should we do if we think that we've been
the victim of a scam?

Speaker 16 (41:47):
So, if you've executed any type of transaction sent any
kind of money, call your bank right away or call
your credit card right away. They might be able to
stop that transaction. They'm able to get those funds back.
We also recommend report to the FBI. They track these
types of scans. Go to IC three dot gov. And lastly,
it's always helpful to have a police report. If you
can get one. That way, you've got a record of it.
If you need to file insurance claim, or you need

(42:07):
to have any type of investigation that takes place, you've
got that formal record of what happened.

Speaker 2 (42:12):
Where can listeners, Paul go for more information?

Speaker 16 (42:15):
We'd love them to check out our campaigns. Go to
banks Never Asked That dot com. We list out the
tips we talked about. There's also a quiz you can
take compete with your family members when Thanksgiving rolls around,
or if you're still writing checks, go to Practice Safechecks
dot com and you can find more tips there.

Speaker 1 (42:30):
Great information. Paul ben To, Executive VP for Risk Fraud
and Cybersecurity at the American Bankers Association, Thanks a lot,
Thank you, Kate. That is good information. How how many
checks do you write? Do you even write checks? I
mean there's ways that you can do checks where you
take pictures.

Speaker 2 (42:47):
Of them, you know when you get them in.

Speaker 1 (42:49):
But I understand what he's saying about put the flag up,
and they're my last neighborhood.

Speaker 2 (42:54):
They had problems with that.

Speaker 1 (42:55):
There was weird problems with the mail so I try
to cut that out as much as possible, but there
are some instances where people demand checks.

Speaker 2 (43:02):
So there you go.

Speaker 1 (43:03):
All right, we jump to an abbreviated form of the
mail bag. And in the mail bag, I have this
one from Warren who is listening to us WGCAM fourteen
ninety in Connecticut. Delaney Delaney, Delaney Mice, listen to you

(43:25):
on the fan. It's cool to get to listen to
you here. I'm sure, like everybody else, you're trying to
digest what happened in the NBA and in this different
era that we're in where with just a couple of
clicks of a few buttons you can make bets. Imagine
if you will, beyond thinking about the things that happen

(43:46):
in however many NBA games, if you were betting on
that game, the people that had the inside information are
the winners. The rest of us who were on apps
like the hard Rock betting app or MGM or one
of the many others that are out there. We're the
ones who got scammed. Do you think there could be

(44:07):
a class action lawsuit?

Speaker 2 (44:09):
Oh?

Speaker 1 (44:10):
You know what, It's interesting you say that because that's
the first thing I thought about. I mean legal betting,
whether it's going to the sports book, right, And you
mentioned casinos, and then the casinos they have in some
areas the sports books now which they never had before.
Hard Rock Casino is a good example of that. And

(44:30):
the same thing with the with being on the app.
So if I bet on some of those games and
I didn't know the information, like Rogier was taking himself
out early, that would have an impact his points on
the game.

Speaker 2 (44:44):
Plus there's the over under, which is what people.

Speaker 1 (44:47):
Would have made the money on that knew on how
many points he was going to score, which you can
find that on all those apps. They have individual players,
they've all kinds of wagers, just the game, all of it.
So yes, I mean these are recent games and games
just in the last couple of years that we're talking about.
So there are some other things that I think you're

(45:09):
right that could be unpacked here. It'd be tough on
the class action lawsuit, though, I mean, how would they
How well you could prove that you bet on it?
I guess because you can go through and find out
you could find the slips. You could get the slips
even electronically. You could go back on that. Yeah, people could.
People could do that. You'd have to know all the games,

(45:31):
because there's only a couple of games they've talked about
as examples, so there's many more than that. It is
an insane story, but not when you think about the temptation.

Speaker 2 (45:42):
What's weird to me? But as somebody has gambling problem,
then it's at a higher level. I get it.

Speaker 1 (45:47):
It's just like an ATM just spitting out all this money,
and there's something about that, the allure of that that
probably might have been too attractive. I don't know the motivations.
I'm just thinking out loud, but you know both of them.
If you look at Phillips, Chauncy Phillips, and you look
at Terry Rogier, they're employed in the NBA. I mean,

(46:07):
and now they aren't. I can't imagine that that's gonna
that's gonna stick.

Speaker 2 (46:11):
All right, let's go to this one.

Speaker 1 (46:13):
This one is from Joe who's listening to us WGSO
nine ninety a m and that would be in New Orleans. Kate, Wow,
this government shutdown, you know you talked about the other night.
We are all gonna feel it. I've got a trip

(46:33):
planned with my family where we're going up from New Orleans.

Speaker 2 (46:40):
To New York Is.

Speaker 1 (46:42):
That's where my wife's from. I'm from Louisiana. But we're
thinking about maybe icing it and just holding the tickets
and trying to go at spring break instead, just because
there are some things that could end up being affected
by that. But this the air travel, what would they
travel be like? When you're talking about Thanksgiving and you

(47:04):
kind of brought that to my attention when I was
listening to your show the other night. So it is
a good thing to discuss. So thanks for that. The
kids are really bummed, but we might be doing it.
I mean, I think this shutdown is going to continue
for at least another couple of weeks. What knuckleheads that
represent us? I agree? All right, Hell let's go to
the pre market bell.

Speaker 2 (47:25):
So for the pre.

Speaker 1 (47:26):
Market bell down futures they're up point twelve percent. S
and P futures up point twenty percent. Nasdaq futures up
point thirty two percent. Oil is up but down slightly
from the other day. Sixty one bucks fifty five cents.
The big news that will be interesting to see what happen. Well,

(47:49):
there's a lot of things that could affect the markets
the next couple of days. But the President terminating all
trade negotiations with Canada over a Reagan tariff television ad.
This is very big, huge, huge, huge news. I mean, wow,
the President was furious about it. I saw that ad

(48:09):
I was watching the baseball game, and I thought it
was very crazy.

Speaker 2 (48:14):
I thought it was weird, like what is this ad?

Speaker 1 (48:16):
And then I realized it was coming from Canada, so
absolutely that was it. We'll see if that Pandora's box
opens up in a different direction, but I don't think so.
Thanks to the Minnesota two and all of you
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