December 20, 2024 • 32 mins
ICYMI: Hour Two of ‘Later, with Mo’Kelly’ Presents – A look at the new AI driven website “Fight Health Insurance” that helps you when a claim has been denied by writing an appeal letter based on data AND the History of the NORAD Santa Tracker on ‘Tech Thursday’ with regular guest contributor; (author, podcast host, and technology pundit) Marsha Collier…PLUS – Thoughts on OpenAI making ChatGPT available for calls & texts AND 5 common holiday scams to avoid - on KFI AM 640…Live everywhere on the iHeartRadio app
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Episode Transcript
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Speaker 1 (00:00):
You're listening to Later with Moe Kelly on demand from
KFI AM six forty.
Speaker 2 (00:06):
It's Tech Thursday, the last tech Thursday before Christmas. And
of course joining me in studio is Marshall Collier. How
are you, Marsha Collier?
Speaker 3 (00:16):
I am all over the holidays. The holidays are all
over me. It's just too much with everything landing all
at once in that one week. It's insanity.
Speaker 2 (00:25):
Oh, it's kind of busy for you, it's kind of
busy for me. I was talking about that how the
holidays may be less busy for other people. Let's say
you're a teacher, you're a student, and you may have
a break. Not us.
Speaker 4 (00:38):
No, there's absolutely no break.
Speaker 3 (00:41):
And when people at parties, they're all piled now on
top of each other. It's like, nope, nope, nope, We're
going to take some time off over the weekend before
Christmas and just relax.
Speaker 2 (00:53):
I sure, hope. So there's something that I've been seeing
more and more on the news that I should say.
The general discussion about healthcare obviously has been top of
mind for people, if only because of the killing, the
murder of the United Healthcare CEO, but also there's a
technology portion to the discussion. When we talk about making
(01:17):
claims being denied by insurance, let's get into that tonight.
Speaker 3 (01:21):
Well, you know, the thing is, it's a buzzword now
and it's a horrible thing that happened. But it's good
that people are talking about this because insurance companies just
have too much control of our lives, in my opinion,
when they are processing. I was reading that doctors who
(01:43):
have lost their licenses in certain states can't practice medicine.
They go work for the insurance companies and they're the
ones who look at the application of the claims to
deny or approve.
Speaker 2 (01:57):
Well, the insurance and purpose of insurance is to keep
as much money as possible for itself. It is a
for profit business, so allowing all claims and approving all
claims is not in their best interest as a business.
And sometimes we act surprised when a business acts like
a business.
Speaker 3 (02:16):
Well, and now they've been using AI to read the charts,
read the information to decide whether people are going to
get their health insurance claims. And it has proven again
and again and again, and they're real like at MD
Anderson in Texas, that AI does not understand everything about
(02:40):
human beings. So this young lady, her name is Holden Carew.
She's worked at all the tech companies. She's really a
major geek. She's brilliant. She had a fight with her
dog's insurance company who would not allow anesthesia for major procedure.
Speaker 4 (03:00):
It's like, okay, yeah, just do that to my dog.
It'll be okay, we'll give him a pill afterwards.
Speaker 3 (03:07):
So she fought the insurance company one and she's just
said that it was time to fight back. The website
fight Health Insurance dot AI on the top, it says
make your insurance company cry. And that just did it
for me. I see a good use for AI right now.
(03:28):
Found second one I've found right, So she has taken
it so where you can go to this website and
generate an appeal, because you see, if you've been denied
by a health insurance company, you have to write an
appeal and actually in some cases you have to facts
(03:48):
the appeal letter to the insurance company. And I read
an article she said here, I am working on this
super high tech AI project and I'm going to eBay
to get fact sports for comuters.
Speaker 4 (04:02):
Because they require that.
Speaker 3 (04:04):
Oh and by the way, that's the only thing they
charge for is five dollars if they have to send
a fax for you, but anyone can do it.
Speaker 4 (04:13):
You can generate an appeal.
Speaker 3 (04:15):
All you have to do is upload acclaim denial letter
and if necessary, your plan documents. Now I want you
to know here she will delete your data. She does
not keep your data. It is anonymized and you're safe.
And her platform Fight Health Insurance. They use machine learning
(04:37):
to identify and confirm details, and they fine tune the
language with a large language model to pull data like
from PubMed, so it's written in doctor rather than written
in I really think I need the surgery. And they
use an in house AI tuned from the base model
(04:58):
mistral AI, and it will remove any names and addresses.
Like I said, anonymized and this is pretty cool. You
can go to the website and do this. She's had
about one thousand customers so far. Many have been successful,
(05:20):
because let's face it, do we know how to really
write those letters that are going to bend the air
of our insurance company?
Speaker 1 (05:26):
No?
Speaker 2 (05:26):
We could probably write from emotion and desperation, but probably
far less effective than we could be, especially.
Speaker 3 (05:32):
If AI is reading the letter right, So for keywords exactly,
which is what she's pulling from. So I think it's
a great idea, and why not if you're in a
position with a health health insurance company, just go take
a look over at Fighthealthinsurance dot ai and see if
there's a solution for you.
Speaker 2 (05:53):
Is it any really? Is it really any different than
let's say, how AI is used for resumes or or
pick out the words or something more abilities or qualifications
and screen and whittle down a pile of applicants.
Speaker 3 (06:08):
Well, you see, it all depends where they're getting their
learning from. Write large language models, where like she's using
PubMed for doctor speak, and you can get that from there,
and that's brilliant, and her AI can learn from that.
But for resumes and things like that, there are a
lot of bad resumes and there are a lot of
good resumes, so you'd have to wear way which worked,
(06:32):
which words didn't work.
Speaker 2 (06:34):
I like it. Hey, on the other side, I'm still
a kid at heart, and I suspect everyone listening is
still a kid at heart, and I've always been fascinated
with the Norrad Santa Tracker, even as an adult. I
may not let everyone know, but I'll steal a peek
each Christmas Eve to check out what it looks like,
what's going on where Santa is around the world. When
(06:55):
we come back, we're going to talk about the history
of the Norrad Santa Tracker and new features that you
could check out this this year. It's Later with Mo
Kelly KFI AM six forty. We're live everywhere in the
iHeartRadio app.
Speaker 1 (07:07):
You're listening to Later with Mo Kelly on demand from
KFI AM sixty.
Speaker 2 (07:12):
Kelly Chech Thursday, Marshall Collier, We're live everywhere in the
iHeartRadio app. And I've always been intrigued with the Norrad
Santa Tracker, and you know, just being a kid of
science watching in my mind. Yeah, it is so real
and surreal, right, you know, watching air quotes Santa move
(07:34):
around the globe and getting updates where he is, what
country he's he's working in as it goes on. What's
the history behind that?
Speaker 4 (07:42):
Well, you know the fabulous thing.
Speaker 3 (07:43):
It's at noorad n oraa Dsanta dot org and it's
been there since forever. I can't and just everybody needs
to know. Who says, why are we spending government money
on this? Well, seventy contributors set up the site, apps,
(08:04):
and phone lines. Five hundred uniformed personnel, defense departments, civilians
and families and supporters volunteer their time on Christmas Eve
to take the calls to answer every question because your
child can call Santa through the website or the app.
Speaker 4 (08:27):
It's all volunteers.
Speaker 3 (08:29):
And let's face it, Nora has protected the skies of
North America twenty four hours day, three sixty five a week.
And this always fascinated me, and for years I'd interview
the guys at NORAD. The reason I didn't want to
bring one on the show with me today is because it's.
Speaker 4 (08:47):
The same story every year. So let me give you
the story real quick.
Speaker 3 (08:51):
So back in nineteen fifty five, it was previously Continental
Air Defense Command Operations Center in Colorado. They worked obviously
twenty four to seven and a newspaper ran an ad
that told children how to call Santa, except the number
(09:14):
had been printed incorrectly, and some child called the operation
center and Air Force Colonel Harry Shop you know, he's
sitting there all official, being an all Air Force, he
got the phone call, Oh, Sana, And yeah, he could
(09:36):
have been a scrooge all about it, but he wasn't
he was. He was totally entertained by the call as
well as the many calls he kept getting that night
because of the misprinted number.
Speaker 4 (09:47):
So Shoop and all the.
Speaker 3 (09:49):
Operators answered the calls, and that started a new tradition.
So in nineteen fifty eight they officially started tracking Santa
and it's obviously been getting more more sophisticated. I was
there today on the website nor at Santa dot org.
Now they have a playlist. They have holiday music, and
(10:09):
all the music is played like the Air Force band,
the Navy band. It's fabulous. I mean, I was stuck
there for a while. They have games. Aside from calling
in to talk, kids can now also use social media
as well as the mobile app to follow Saint Nick
Virtual Assistance.
Speaker 2 (10:29):
They have a mobile app for this. Yeah, I've been
always going to the website.
Speaker 4 (10:32):
I know, I like the website. I like the full EXERSI.
Speaker 2 (10:35):
Okay, all right, I'm not alone in that, all right,
because I've always gone to the website.
Speaker 3 (10:38):
Well know, when I'm lying in bed though at night,
I do pull up the app on my phone.
Speaker 2 (10:42):
Now, I didn't know that there was an app. I
still would have been using my browser on my phone.
Speaker 4 (10:47):
Right, but now you have an app. Oh not right, No,
that's not right.
Speaker 3 (10:54):
Saint Nick's virtual assistant is Amazon Alexa and also on Star.
Speaker 4 (11:01):
If you have that in your car, you can also
talk to.
Speaker 2 (11:03):
You can call Santa from your car.
Speaker 4 (11:05):
Yep, yep.
Speaker 3 (11:07):
Norasanta dot org or also offers a count doc down clock,
games and videos available in several languages.
Speaker 4 (11:17):
I mean they have gone full on with this.
Speaker 2 (11:19):
I am so old. Where As a child I actually
wrote hand wrote a letter to Santa, took it to
the post office and was addressed to the North Pole
and got a response.
Speaker 4 (11:33):
And who hasn't I'm saying.
Speaker 2 (11:35):
I don't. I don't know when they stopped doing that
as far as kids go.
Speaker 3 (11:39):
I they still do, They still do, They still do
the You are not prepared to talk about it, but
there is an Operation Santa with the USPS and people
do You can ahead of time volunteer at your post
office to pick up letters and you can either give gifts,
send back letters, do whatever. Yeah, next year, we'll talk
(12:02):
about it in advance so people can do that. But
in two twenty twenty, nor ad Center received eleven million
visitors from two hundred plus countries. Call Center volunteers answered
more than twenty thousand calls. Amazon Alexa was accessed for
(12:23):
nor Ad Santa twelve point three million times. On Star
received twelve four hundred requests to locate Santa, and the
nor Ad Santa Facebook page has one point eight nine
million followers. So this is crazy. I mean, it's just
you know, they're on x They're everywhere, and the call
(12:43):
center opens at six am Eastern Standard time on December
twenty fourth. Kids can call you ready. Kids can call
one eight seven seven high Norad or one eight seven
seven four four six six seven two three to find
out where Santa is, or use the above the website,
(13:08):
you know, the mobile app, or social media. Officials warned
that Santa only comes if the children are asleep, so
to make sure they get to bed early so he
doesn't miss delivering to the home.
Speaker 2 (13:21):
Yeah.
Speaker 5 (13:21):
I always had a real difficult time going to sleep
because I was determined to find that guy in my house,
and somehow, some way, he always managed to slip in
and out and even ate some of the carrot cake
that we left out for him.
Speaker 3 (13:38):
Well, being a little Jewish kid, we kind of felt
really bad that he didn't come to our house.
Speaker 2 (13:43):
It was like zero. How about I'm gonna leave that alone.
Speaker 3 (13:47):
Well, No, I had a secret Christmas tree that I
had in my bedroom.
Speaker 4 (13:51):
Yeah I did.
Speaker 3 (13:54):
Yeah, Yeah, but you know, we had Hanukah. But Honakah
just doesn't have the zip the Christmas does. They have
Christmas just as much better.
Speaker 2 (14:02):
Pr Yeah, they have a whole marketing department. Yeah.
Speaker 3 (14:06):
Oh, speaking of Hanukkah, if anybody knows about the group
called the Macca Beats, which has entertained for President Obama,
It's entertained all over the world. It's a Jewish boy
band that used to be boys but are now grown
up men. They have done some Honukkah songs to wicked
tunes and they're up on YouTube and really fun. I
(14:26):
keep a track, maybe I should make it public of
Honikah songs that I've found on YouTube that use.
Speaker 4 (14:33):
It's a total playlist.
Speaker 2 (14:34):
We'll check it out. We'll play it tomorrow on the show. Okay,
Marshall Carter is always good to see you.
Speaker 4 (14:40):
Good to see you, mo. Thank you for inviting me
every week.
Speaker 2 (14:42):
Happy Honkah and happy holidays, Marry Christmas for those. Yeah,
and we'll see you sometime after the Are you coming
in next week. Wait, oh no, no, that's Christmas. Wait wait
Christmas is Wednesday. Someone help me out. Christmas is Wednesday, right,
so it will be day after Christmas, twenty six Thursday,
then twenty six. Yeah, you're gonna be in time.
Speaker 4 (15:03):
Yeah, we can come.
Speaker 2 (15:04):
All right, Well we'll see you then.
Speaker 4 (15:05):
We'll do that. We'll bring leftovers, all right.
Speaker 2 (15:08):
Oh not for me, Nah, for me? Maybe for Mark. Yeah,
Marc has said bring him the leftovers. I don't do leftovers.
It's a Later with mo Kelly, can't buy AM six
forty live everywhere in the iHeartRadio app.
Speaker 1 (15:19):
You're listening to Later with Moe Kelly on demand from
KFI AM six forty.
Speaker 2 (15:25):
And as we talk about AI and all things tech
and how AI is going to reshape our future, let
me scare the Bejesus out of you very quickly. Open
Ai yesterday rolled out a new way to talk to
its viral chat bot, which is chat GPT. By dialing
the US number, which is eight hundred and two four
(15:47):
to two eight four seven eight, or messaging it via WhatsApp.
Users can access a quote unquote easy, convenient, and low
cost way to try it out through familiar channels. The
news follows a barrage of updates from open ai as
part of a twelve day release event, including this official
rollout of Sora, the company's buzzy AI video generation tool,
(16:11):
which we had discussed earlier this month, and also openii
hired its first chief marketing officer, indicating plans to spend
more on marketing to grow its user base. And here's
something else. Open ai is going to be able to
make other phone calls and texts where we won't be
(16:31):
able to readily discern who is contacting us where remember well,
you may not remember, I would say maybe a year
ago I showed you how Google's AI can make calls
for you and make appointments for you and reservations for you. Well,
this is the next step where you could have an
(16:53):
AI robot call calling you, texting you, marketing you, and
there's really nothing you can do to start. And if
you think about the fullness of the capabilities of AI
to mimic someone you know, like they did with Joe
Biden's voice, it will be almost impossible after a certain point.
(17:13):
And this is really going to make Mark Ronner happy.
It'll be almost impossible to discern what is a real caller,
or who is a real caller, or who is a
real person who is texting you? Because we're almost at
the point right now where it's almost impossible to discern
what is AI and what is real. And since it
(17:35):
now has the capability to dial numbers on its own
and send texts on its own and obviously engage in
conversation with you on its own, who knows what will
be real a year from now.
Speaker 6 (17:48):
We'll never regret any of this. What could possibly go wrong?
Oh we'll regret it. But it depends on what you
regret and who has to pay the price for it.
We regular people will deaf regret it. We don't need
to know what or who is real and what isn't.
That's above our pay grade. Well, some people don't care.
Speaker 2 (18:07):
Oh if you look at have you seen all the
different Instagram profiles which are straight up AI? Some of
them let you know this is an AI profile? Oh yeah,
and some don't. And people don't care. They don't. In
other words, they're fine looking at these fake pictures of
a fake model and then they interact with it as
(18:30):
if it's real.
Speaker 6 (18:31):
I think the Letters of America should file a class
action lawsuit when they get all worked up over a
model that turns out to be an AI fake.
Speaker 2 (18:41):
Good luck with that.
Speaker 6 (18:42):
I didn't say I was including myself in that I
don't know what you're implying, and I don't appreciate it.
Speaker 2 (18:48):
I a would say this, You're right in many respects, Mark,
and I. Emotionally I agree with you. I'm with you
that AI is going to do a lot of harm
to us. But I'm also intellectually with Twala, where Twala
would take the stance that this is inevitable. We may
(19:08):
not agree with it, we may not like it, but
we can see the many applications and the misapplications of
AI where there's too much money involved, the too many
potential uses and abuses where criminals and creatives alike can
find a use for AI.
Speaker 6 (19:26):
Well, the horses are out of the barn when it
comes to AI. But we got to put a bit
on those horses and fences around them, or we're really
going to have some serious problems sooner rather than later.
Speaker 2 (19:38):
All right, let's put some money to it open. AI
also received a four billion dollar revolving line of credit,
bringing its total liquidity to more than ten billion dollars
In other words, they're just getting started.
Speaker 6 (19:54):
A four by dollar credit card to do just about
whatever it wants with it. I personally will love to
hear an AI mo Kelly show.
Speaker 7 (20:05):
So downy, that's step far, that's a step to four
outside of that four billion dollars. But I can tell
you this, Mark, Oh, here we go your complaints pail
in comparison to a four billion dollar revolving door of credit.
Speaker 2 (20:19):
That's how how confident they are and the potential applications
of AI.
Speaker 7 (20:25):
And now you have Graham pooh bah Musk in charge
of damn near everything that's about to be happening as
far as media. And I listen this, that and the
other in the SFCC appointee, Mark, Yeah, who's calling the shots?
Now it's become painfully apparent that the people who could
control the money even more than they ever have, control
everything else. Now, yes, yes, and that includes AI and
(20:47):
that well, especially this week, that includes our government.
Speaker 2 (20:51):
Yeah.
Speaker 6 (20:52):
Yeah, we voted for this. We chose this, West voted.
I didn't vote for you, Musk. Did you vote freelm Musk?
Speaker 2 (20:57):
Nobody did. But I'm a single person. The bottom line is,
we voted for Donald Trump. If I can get political
for a second, and therefore we did so, knowing good
and damn well with Trump came also Elon Musk. It
wasn't like he was some shadowy figure in the background
that no one knew who was pulling the puppet strings,
that no one could see. He's standing right next to him.
(21:19):
There was no mystery here.
Speaker 6 (21:21):
What's not to love about a foreigner from apartheid South
Africa taking control of our government.
Speaker 2 (21:28):
There's nothing wrong with it at all. We chose it.
We chose it. I'm only being halfway funny, if only
because we make choices and then we have to deal
with the consequences of those choices. Me personally, I am okay,
put this away. I would be more upset if we
were misled in this moment in these in the sense
(21:49):
of oh man, we didn't know that this was going
to be part of the package at all. No, as
far as I can see, it's been above board as
far as the presentation. Now, we may not like what
ultimately comes of it, but we chose this eyes wide open.
Speaker 6 (22:05):
I'm going to back away from this conversation and stick
to the news. If you don't mind, you do that.
Come on, you do that. Come in to deep water
with me. You can't come into this four billion dollar pool.
Well it's not like I don't have thoughts on this subject,
but I mean, objectively, there's no debating the effect that
(22:25):
these foreigners. I mean, whether it's Musker, Rupert Murdoch, look
at what people from other countries are doing to ours.
Speaker 2 (22:31):
Hell, the dude that runs The Times, I'm just saying,
oh yeah, the La Times passing Stone shung.
Speaker 6 (22:36):
Yeah, he's also from South Africa and he's in the
process of destroying that paper right now.
Speaker 2 (22:41):
Yeah. All I can say is we chose this, and
they're careful what you mean by we. Well, all I'm
saying is this country. Yeah, this country royal wee yes country.
I'm not saying you chose I'm saying we, as Americans,
chose this. And there's a large percentage, I would say
a majority of Americans who may not have thought through
(23:03):
the long term implications, they at least know in terms
of the short terms implications. They wanted specifically this, They wanted,
specifically Elon Musk to have a role in our government,
whether it was official or unofficial. We know from a
technological standpoint that AI is the future. We know that
(23:24):
Elon Musk and others are betting on AI moving into
the future. We could look at someone like Jeff Bezos
who just went down tomorrow lago. We could look at
Patrick soon Sean, we can look at all of these. Well, basically,
it's an oligarchy at this point who are exerting undue
influence because they are very wealthy to maximize their impact
(23:46):
and influence on this country. We chose this, and I
say it not to be derisive. I'm just saying to
be intellectually honest. It wasn't like this was a coup
in the middle of the night. This was something that
we chose, and unfortunately, I think that there's going to
be some unintended consequences of that choice now where we
(24:11):
are as a country four years from now. We'll have
to wait and see. But I'm not going to lose
any sleepover it one way or the other. I would
feel differently if there was something wrong with the election
and so, hey, it should have turned out this way.
Speaker 6 (24:24):
Now we chose this, yeah, yeah, well we chose it
by about one point five percent. And I'm not sure
everybody understood what a package deal it was going to be.
And I think I am well within my bounds as
a journalist to say I prefer a democracy to an oligarchy,
since journalism exists to safeguard democracy.
Speaker 2 (24:41):
Well, not to be too pedantic, but I'm going to
get borderline pedantic. You can have both in the sense
of you can have a democracy where people choose the oligarchs.
Speaker 6 (24:53):
Well, we're going to find out, in fact that we've
already started finding out.
Speaker 2 (24:57):
Oh oh yeah, we're almost there. For Mark, we are.
But going back to the story, AI is going to
be a huge component to it, a huge component. Always
go back to the basics.
Speaker 6 (25:10):
Send and remember what the what deep throat in the
in the underground garage said to Woodward and Burnstone.
Speaker 2 (25:18):
I thought that was deep throat, different deep throat. Oh okay.
I think we all need follow the money.
Speaker 6 (25:24):
We all need to develop some code words or safe
words so that when you call I know it's you.
I need a safe word mark, moe. We'll say it
off the air. We need safe words. We have to
walk away from our phones to develop these, because I
need to know it's you or sometime your voice is
all over the rago. Oh I know it can be duplicated. Yeah, yeah, oh, yeah, yeah,
(25:44):
we need safe words and we need some kind of
watermark for when we send each other nudes.
Speaker 2 (25:49):
Caf I am six forty we're live everywhere on the
iHeartRadio app. We got to know what is it that
was your D pick that was from you? You sent
that D pic, a D pick or a C pick.
Speaker 6 (26:07):
I don't know what you're referring to because you're being
a little cryptic. I have an epick, very very extra. Okay,
you can keep your apick to yourself.
Speaker 2 (26:18):
Excuse me. Robin is here working the show.
Speaker 1 (26:24):
Hey Rob, you're listening to Later with Moe Kelly on
demand from KFI AM six FORTYMI.
Speaker 2 (26:32):
Mo Kelly live everywhere on the iHeartRadio app. And against
the backdrop of this holiday celebration, people are out buying
presents and gifts. You gotta be careful. There's someone who's
always trying to separate you from your money, but illegally.
All sorts of scams, all sorts of fraud out there,
(26:53):
and they are about five different types of scams and
fraud which have been identified by the California Attorney General's
Office and the IRS want to pass this information along
to you just to keep you in the know there's
charity fraud. You'll probably receive all sorts of requests for
donations to this organization or that organization. Check the registration.
(27:16):
Make sure the charity is registered with the Attorney General's
Registry of Charities and Fundraisers. In other words, make sure
the charity is actually legitimate and how they're requesting the
money is coming through a legitimate portal or requests. Sometimes
it could be spoofing a charity that you may already know,
(27:36):
but it's going to a fake website. And don't let
someone pressure you into making any type of donation or
any type of payment. That's usually a dead giveaway that
it's not legitimate. They're not asking, they're forcing you. They're
pressuring you. They're trying to encourage you to make a
split decision under yourress, as opposed to something where you
(27:59):
would just make it in your in your own time
and space. And also protect your personal info. You should
never ever be giving your personal information online or on
the phone through a request. Now, if you should choose to,
let's say, visit a website and put your information, that's different,
(28:22):
that's on you. But make sure that you are not
clicking on a link but actually putting the address of
the charity or wherever you plan to spend money in
that address.
Speaker 6 (28:34):
Bar.
Speaker 2 (28:34):
If you're going to go to Target dot com, for example,
and buy things at Target, don't click on a link
in an email that you might have received. It could
be sent to a spoofed website and you think that
you're shopping at Target, and in fact you're not. You're
just giving away your money. You're not going to get
anything in return. And they're also packaged delivery scams. Be
(28:56):
suspicions of unsolicited texts and emails about delivery issues. I've
gotten a bunch of these. I can't speak for you, Twala,
but I'll get these text messages saying, hey, we have
this package here. You know, either you have to like
pay for it to finish getting delivered, or you need
you to put in your information so they'll know how
to deliver it.
Speaker 7 (29:15):
I have three of those that I've gotten this week
alone from alleged Amazon deliveries.
Speaker 2 (29:22):
Allegedly. Yes, so be very careful again of any type
of pressure which is being applied. If there's a message
with urgent language or errors package alerts, you know, be
aware of what you are supposed to be receiving, which
is something you have purchased, which is on the way,
and if it doesn't line up with your information, it's
(29:44):
probably a scam. And there's the more traditional fishing and
what it's called smishing, where you do not want to
click on suspicious links and emails or texts. As a
general rule, just don't click on links and texts or emails,
and you're safer that way. And they're spear phishing and
yet to be wary of personalized scams targeting specific individuals.
(30:08):
It's not very difficult for a fisher to match up
your email with your name, and it gives the false
sense of it being legitimate. Hey, mister mo' kelly, you
know this mcavee malware program that you bought from us
last week for six hundred dollars. We still haven't received payment.
(30:31):
I said, well, it must be legitimate. It has my
name and my email. No it's not. It's not. And
I get a lot of those emails where I supposedly
made a purchase and they're still waiting payment. Well, you mother,
fathers are just gonna keep on waiting because you're not
getting anything from me, because I didn't buy anything from you,
so you're.
Speaker 6 (30:47):
Not getting the ones that I get where it says
thank you for your payment. We are processing, like your
six hundred dollars payment now. Please make sure you send
this the information because they said we're processing now. If
we don't hear from you soon, it's going to go
through on your account. We want to make sure that
the funds are in your account, so reach out to
us immediately.
Speaker 2 (31:07):
That's the pressure ized said, where you have to do
something right now, right now, and that's how they get you.
I'm slow on the uptick for everything like no, you
can wait. Let me read this closely. Oh yeah, this
is this is fraudulent. Yep, yep. Don't ever be in
a rush to act because someone says you need to
be in a rush to act because also there's identity theft.
(31:30):
You have to regularly check your bank and credit card statements.
And it doesn't have to be large transactions. Could be
smaller transactions assuming that you're not going to notice it,
and then they can make more transactions. You know. I
look for something like could be like a McDonald's purchase.
I haven't been McDonald's. They're just trying to see if
the card is active and the account is active, and
(31:53):
then they may hit you for a larger purchase later on.
So these are things that you have to be very
careful about. Protect your sensitive information. Be very cautious about
sharing personal information online and it will save you a
lot of heartache and headaches. On the other side, you
don't want to have to unnecessarily cancel your card or
(32:13):
see if other illegal, fraudulent purchases have been made in
your name or with different credit cards. People are trying
to piece together your information, don't help them out. Those
are just some general rules. KFI AM six forty Live
Everywhere the iHeartRadio app perfect for achy, indecisive minds.
Speaker 1 (32:31):
Canfi is cooling info jel quickly relieves ignorance and leaves
a mifty fresh scent.
Speaker 6 (32:38):
KFI and the KOST HD two Los Angeles, Orange County
Speaker 2 (32:44):
Live everywhere on the radio app
You're listening to Later with Moe Kelly on demand from
KFI AM six forty.
Speaker 2 (00:06):
It's Tech Thursday, the last tech Thursday before Christmas. And
of course joining me in studio is Marshall Collier. How
are you, Marsha Collier?
Speaker 3 (00:16):
I am all over the holidays. The holidays are all
over me. It's just too much with everything landing all
at once in that one week. It's insanity.
Speaker 2 (00:25):
Oh, it's kind of busy for you, it's kind of
busy for me. I was talking about that how the
holidays may be less busy for other people. Let's say
you're a teacher, you're a student, and you may have
a break. Not us.
Speaker 4 (00:38):
No, there's absolutely no break.
Speaker 3 (00:41):
And when people at parties, they're all piled now on
top of each other. It's like, nope, nope, nope, We're
going to take some time off over the weekend before
Christmas and just relax.
Speaker 2 (00:53):
I sure, hope. So there's something that I've been seeing
more and more on the news that I should say.
The general discussion about healthcare obviously has been top of
mind for people, if only because of the killing, the
murder of the United Healthcare CEO, but also there's a
technology portion to the discussion. When we talk about making
(01:17):
claims being denied by insurance, let's get into that tonight.
Speaker 3 (01:21):
Well, you know, the thing is, it's a buzzword now
and it's a horrible thing that happened. But it's good
that people are talking about this because insurance companies just
have too much control of our lives, in my opinion,
when they are processing. I was reading that doctors who
(01:43):
have lost their licenses in certain states can't practice medicine.
They go work for the insurance companies and they're the
ones who look at the application of the claims to
deny or approve.
Speaker 2 (01:57):
Well, the insurance and purpose of insurance is to keep
as much money as possible for itself. It is a
for profit business, so allowing all claims and approving all
claims is not in their best interest as a business.
And sometimes we act surprised when a business acts like
a business.
Speaker 3 (02:16):
Well, and now they've been using AI to read the charts,
read the information to decide whether people are going to
get their health insurance claims. And it has proven again
and again and again, and they're real like at MD
Anderson in Texas, that AI does not understand everything about
(02:40):
human beings. So this young lady, her name is Holden Carew.
She's worked at all the tech companies. She's really a
major geek. She's brilliant. She had a fight with her
dog's insurance company who would not allow anesthesia for major procedure.
Speaker 4 (03:00):
It's like, okay, yeah, just do that to my dog.
It'll be okay, we'll give him a pill afterwards.
Speaker 3 (03:07):
So she fought the insurance company one and she's just
said that it was time to fight back. The website
fight Health Insurance dot AI on the top, it says
make your insurance company cry. And that just did it
for me. I see a good use for AI right now.
(03:28):
Found second one I've found right, So she has taken
it so where you can go to this website and
generate an appeal, because you see, if you've been denied
by a health insurance company, you have to write an
appeal and actually in some cases you have to facts
(03:48):
the appeal letter to the insurance company. And I read
an article she said here, I am working on this
super high tech AI project and I'm going to eBay
to get fact sports for comuters.
Speaker 4 (04:02):
Because they require that.
Speaker 3 (04:04):
Oh and by the way, that's the only thing they
charge for is five dollars if they have to send
a fax for you, but anyone can do it.
Speaker 4 (04:13):
You can generate an appeal.
Speaker 3 (04:15):
All you have to do is upload acclaim denial letter
and if necessary, your plan documents. Now I want you
to know here she will delete your data. She does
not keep your data. It is anonymized and you're safe.
And her platform Fight Health Insurance. They use machine learning
(04:37):
to identify and confirm details, and they fine tune the
language with a large language model to pull data like
from PubMed, so it's written in doctor rather than written
in I really think I need the surgery. And they
use an in house AI tuned from the base model
(04:58):
mistral AI, and it will remove any names and addresses.
Like I said, anonymized and this is pretty cool. You
can go to the website and do this. She's had
about one thousand customers so far. Many have been successful,
(05:20):
because let's face it, do we know how to really
write those letters that are going to bend the air
of our insurance company?
Speaker 1 (05:26):
No?
Speaker 2 (05:26):
We could probably write from emotion and desperation, but probably
far less effective than we could be, especially.
Speaker 3 (05:32):
If AI is reading the letter right, So for keywords exactly,
which is what she's pulling from. So I think it's
a great idea, and why not if you're in a
position with a health health insurance company, just go take
a look over at Fighthealthinsurance dot ai and see if
there's a solution for you.
Speaker 2 (05:53):
Is it any really? Is it really any different than
let's say, how AI is used for resumes or or
pick out the words or something more abilities or qualifications
and screen and whittle down a pile of applicants.
Speaker 3 (06:08):
Well, you see, it all depends where they're getting their
learning from. Write large language models, where like she's using
PubMed for doctor speak, and you can get that from there,
and that's brilliant, and her AI can learn from that.
But for resumes and things like that, there are a
lot of bad resumes and there are a lot of
good resumes, so you'd have to wear way which worked,
(06:32):
which words didn't work.
Speaker 2 (06:34):
I like it. Hey, on the other side, I'm still
a kid at heart, and I suspect everyone listening is
still a kid at heart, and I've always been fascinated
with the Norrad Santa Tracker, even as an adult. I
may not let everyone know, but I'll steal a peek
each Christmas Eve to check out what it looks like,
what's going on where Santa is around the world. When
(06:55):
we come back, we're going to talk about the history
of the Norrad Santa Tracker and new features that you
could check out this this year. It's Later with Mo
Kelly KFI AM six forty. We're live everywhere in the
iHeartRadio app.
Speaker 1 (07:07):
You're listening to Later with Mo Kelly on demand from
KFI AM sixty.
Speaker 2 (07:12):
Kelly Chech Thursday, Marshall Collier, We're live everywhere in the
iHeartRadio app. And I've always been intrigued with the Norrad
Santa Tracker, and you know, just being a kid of
science watching in my mind. Yeah, it is so real
and surreal, right, you know, watching air quotes Santa move
(07:34):
around the globe and getting updates where he is, what
country he's he's working in as it goes on. What's
the history behind that?
Speaker 4 (07:42):
Well, you know the fabulous thing.
Speaker 3 (07:43):
It's at noorad n oraa Dsanta dot org and it's
been there since forever. I can't and just everybody needs
to know. Who says, why are we spending government money
on this? Well, seventy contributors set up the site, apps,
(08:04):
and phone lines. Five hundred uniformed personnel, defense departments, civilians
and families and supporters volunteer their time on Christmas Eve
to take the calls to answer every question because your
child can call Santa through the website or the app.
Speaker 4 (08:27):
It's all volunteers.
Speaker 3 (08:29):
And let's face it, Nora has protected the skies of
North America twenty four hours day, three sixty five a week.
And this always fascinated me, and for years I'd interview
the guys at NORAD. The reason I didn't want to
bring one on the show with me today is because it's.
Speaker 4 (08:47):
The same story every year. So let me give you
the story real quick.
Speaker 3 (08:51):
So back in nineteen fifty five, it was previously Continental
Air Defense Command Operations Center in Colorado. They worked obviously
twenty four to seven and a newspaper ran an ad
that told children how to call Santa, except the number
(09:14):
had been printed incorrectly, and some child called the operation
center and Air Force Colonel Harry Shop you know, he's
sitting there all official, being an all Air Force, he
got the phone call, Oh, Sana, And yeah, he could
(09:36):
have been a scrooge all about it, but he wasn't
he was. He was totally entertained by the call as
well as the many calls he kept getting that night
because of the misprinted number.
Speaker 4 (09:47):
So Shoop and all the.
Speaker 3 (09:49):
Operators answered the calls, and that started a new tradition.
So in nineteen fifty eight they officially started tracking Santa
and it's obviously been getting more more sophisticated. I was
there today on the website nor at Santa dot org.
Now they have a playlist. They have holiday music, and
(10:09):
all the music is played like the Air Force band,
the Navy band. It's fabulous. I mean, I was stuck
there for a while. They have games. Aside from calling
in to talk, kids can now also use social media
as well as the mobile app to follow Saint Nick
Virtual Assistance.
Speaker 2 (10:29):
They have a mobile app for this. Yeah, I've been
always going to the website.
Speaker 4 (10:32):
I know, I like the website. I like the full EXERSI.
Speaker 2 (10:35):
Okay, all right, I'm not alone in that, all right,
because I've always gone to the website.
Speaker 3 (10:38):
Well know, when I'm lying in bed though at night,
I do pull up the app on my phone.
Speaker 2 (10:42):
Now, I didn't know that there was an app. I
still would have been using my browser on my phone.
Speaker 4 (10:47):
Right, but now you have an app. Oh not right, No,
that's not right.
Speaker 3 (10:54):
Saint Nick's virtual assistant is Amazon Alexa and also on Star.
Speaker 4 (11:01):
If you have that in your car, you can also
talk to.
Speaker 2 (11:03):
You can call Santa from your car.
Speaker 4 (11:05):
Yep, yep.
Speaker 3 (11:07):
Norasanta dot org or also offers a count doc down clock,
games and videos available in several languages.
Speaker 4 (11:17):
I mean they have gone full on with this.
Speaker 2 (11:19):
I am so old. Where As a child I actually
wrote hand wrote a letter to Santa, took it to
the post office and was addressed to the North Pole
and got a response.
Speaker 4 (11:33):
And who hasn't I'm saying.
Speaker 2 (11:35):
I don't. I don't know when they stopped doing that
as far as kids go.
Speaker 3 (11:39):
I they still do, They still do, They still do
the You are not prepared to talk about it, but
there is an Operation Santa with the USPS and people
do You can ahead of time volunteer at your post
office to pick up letters and you can either give gifts,
send back letters, do whatever. Yeah, next year, we'll talk
(12:02):
about it in advance so people can do that. But
in two twenty twenty, nor ad Center received eleven million
visitors from two hundred plus countries. Call Center volunteers answered
more than twenty thousand calls. Amazon Alexa was accessed for
(12:23):
nor Ad Santa twelve point three million times. On Star
received twelve four hundred requests to locate Santa, and the
nor Ad Santa Facebook page has one point eight nine
million followers. So this is crazy. I mean, it's just
you know, they're on x They're everywhere, and the call
(12:43):
center opens at six am Eastern Standard time on December
twenty fourth. Kids can call you ready. Kids can call
one eight seven seven high Norad or one eight seven
seven four four six six seven two three to find
out where Santa is, or use the above the website,
(13:08):
you know, the mobile app, or social media. Officials warned
that Santa only comes if the children are asleep, so
to make sure they get to bed early so he
doesn't miss delivering to the home.
Speaker 2 (13:21):
Yeah.
Speaker 5 (13:21):
I always had a real difficult time going to sleep
because I was determined to find that guy in my house,
and somehow, some way, he always managed to slip in
and out and even ate some of the carrot cake
that we left out for him.
Speaker 3 (13:38):
Well, being a little Jewish kid, we kind of felt
really bad that he didn't come to our house.
Speaker 2 (13:43):
It was like zero. How about I'm gonna leave that alone.
Speaker 3 (13:47):
Well, No, I had a secret Christmas tree that I
had in my bedroom.
Speaker 4 (13:51):
Yeah I did.
Speaker 3 (13:54):
Yeah, Yeah, but you know, we had Hanukah. But Honakah
just doesn't have the zip the Christmas does. They have
Christmas just as much better.
Speaker 2 (14:02):
Pr Yeah, they have a whole marketing department. Yeah.
Speaker 3 (14:06):
Oh, speaking of Hanukkah, if anybody knows about the group
called the Macca Beats, which has entertained for President Obama,
It's entertained all over the world. It's a Jewish boy
band that used to be boys but are now grown
up men. They have done some Honukkah songs to wicked
tunes and they're up on YouTube and really fun. I
(14:26):
keep a track, maybe I should make it public of
Honikah songs that I've found on YouTube that use.
Speaker 4 (14:33):
It's a total playlist.
Speaker 2 (14:34):
We'll check it out. We'll play it tomorrow on the show. Okay,
Marshall Carter is always good to see you.
Speaker 4 (14:40):
Good to see you, mo. Thank you for inviting me
every week.
Speaker 2 (14:42):
Happy Honkah and happy holidays, Marry Christmas for those. Yeah,
and we'll see you sometime after the Are you coming
in next week. Wait, oh no, no, that's Christmas. Wait wait
Christmas is Wednesday. Someone help me out. Christmas is Wednesday, right,
so it will be day after Christmas, twenty six Thursday,
then twenty six. Yeah, you're gonna be in time.
Speaker 4 (15:03):
Yeah, we can come.
Speaker 2 (15:04):
All right, Well we'll see you then.
Speaker 4 (15:05):
We'll do that. We'll bring leftovers, all right.
Speaker 2 (15:08):
Oh not for me, Nah, for me? Maybe for Mark. Yeah,
Marc has said bring him the leftovers. I don't do leftovers.
It's a Later with mo Kelly, can't buy AM six
forty live everywhere in the iHeartRadio app.
Speaker 1 (15:19):
You're listening to Later with Moe Kelly on demand from
KFI AM six forty.
Speaker 2 (15:25):
And as we talk about AI and all things tech
and how AI is going to reshape our future, let
me scare the Bejesus out of you very quickly. Open
Ai yesterday rolled out a new way to talk to
its viral chat bot, which is chat GPT. By dialing
the US number, which is eight hundred and two four
(15:47):
to two eight four seven eight, or messaging it via WhatsApp.
Users can access a quote unquote easy, convenient, and low
cost way to try it out through familiar channels. The
news follows a barrage of updates from open ai as
part of a twelve day release event, including this official
rollout of Sora, the company's buzzy AI video generation tool,
(16:11):
which we had discussed earlier this month, and also openii
hired its first chief marketing officer, indicating plans to spend
more on marketing to grow its user base. And here's
something else. Open ai is going to be able to
make other phone calls and texts where we won't be
(16:31):
able to readily discern who is contacting us where remember well,
you may not remember, I would say maybe a year
ago I showed you how Google's AI can make calls
for you and make appointments for you and reservations for you. Well,
this is the next step where you could have an
(16:53):
AI robot call calling you, texting you, marketing you, and
there's really nothing you can do to start. And if
you think about the fullness of the capabilities of AI
to mimic someone you know, like they did with Joe
Biden's voice, it will be almost impossible after a certain point.
(17:13):
And this is really going to make Mark Ronner happy.
It'll be almost impossible to discern what is a real caller,
or who is a real caller, or who is a
real person who is texting you? Because we're almost at
the point right now where it's almost impossible to discern
what is AI and what is real. And since it
(17:35):
now has the capability to dial numbers on its own
and send texts on its own and obviously engage in
conversation with you on its own, who knows what will
be real a year from now.
Speaker 6 (17:48):
We'll never regret any of this. What could possibly go wrong?
Oh we'll regret it. But it depends on what you
regret and who has to pay the price for it.
We regular people will deaf regret it. We don't need
to know what or who is real and what isn't.
That's above our pay grade. Well, some people don't care.
Speaker 2 (18:07):
Oh if you look at have you seen all the
different Instagram profiles which are straight up AI? Some of
them let you know this is an AI profile? Oh yeah,
and some don't. And people don't care. They don't. In
other words, they're fine looking at these fake pictures of
a fake model and then they interact with it as
(18:30):
if it's real.
Speaker 6 (18:31):
I think the Letters of America should file a class
action lawsuit when they get all worked up over a
model that turns out to be an AI fake.
Speaker 2 (18:41):
Good luck with that.
Speaker 6 (18:42):
I didn't say I was including myself in that I
don't know what you're implying, and I don't appreciate it.
Speaker 2 (18:48):
I a would say this, You're right in many respects, Mark,
and I. Emotionally I agree with you. I'm with you
that AI is going to do a lot of harm
to us. But I'm also intellectually with Twala, where Twala
would take the stance that this is inevitable. We may
(19:08):
not agree with it, we may not like it, but
we can see the many applications and the misapplications of
AI where there's too much money involved, the too many
potential uses and abuses where criminals and creatives alike can
find a use for AI.
Speaker 6 (19:26):
Well, the horses are out of the barn when it
comes to AI. But we got to put a bit
on those horses and fences around them, or we're really
going to have some serious problems sooner rather than later.
Speaker 2 (19:38):
All right, let's put some money to it open. AI
also received a four billion dollar revolving line of credit,
bringing its total liquidity to more than ten billion dollars
In other words, they're just getting started.
Speaker 6 (19:54):
A four by dollar credit card to do just about
whatever it wants with it. I personally will love to
hear an AI mo Kelly show.
Speaker 7 (20:05):
So downy, that's step far, that's a step to four
outside of that four billion dollars. But I can tell
you this, Mark, Oh, here we go your complaints pail
in comparison to a four billion dollar revolving door of credit.
Speaker 2 (20:19):
That's how how confident they are and the potential applications
of AI.
Speaker 7 (20:25):
And now you have Graham pooh bah Musk in charge
of damn near everything that's about to be happening as
far as media. And I listen this, that and the
other in the SFCC appointee, Mark, Yeah, who's calling the shots?
Now it's become painfully apparent that the people who could
control the money even more than they ever have, control
everything else. Now, yes, yes, and that includes AI and
(20:47):
that well, especially this week, that includes our government.
Speaker 2 (20:51):
Yeah.
Speaker 6 (20:52):
Yeah, we voted for this. We chose this, West voted.
I didn't vote for you, Musk. Did you vote freelm Musk?
Speaker 2 (20:57):
Nobody did. But I'm a single person. The bottom line is,
we voted for Donald Trump. If I can get political
for a second, and therefore we did so, knowing good
and damn well with Trump came also Elon Musk. It
wasn't like he was some shadowy figure in the background
that no one knew who was pulling the puppet strings,
that no one could see. He's standing right next to him.
(21:19):
There was no mystery here.
Speaker 6 (21:21):
What's not to love about a foreigner from apartheid South
Africa taking control of our government.
Speaker 2 (21:28):
There's nothing wrong with it at all. We chose it.
We chose it. I'm only being halfway funny, if only
because we make choices and then we have to deal
with the consequences of those choices. Me personally, I am okay,
put this away. I would be more upset if we
were misled in this moment in these in the sense
(21:49):
of oh man, we didn't know that this was going
to be part of the package at all. No, as
far as I can see, it's been above board as
far as the presentation. Now, we may not like what
ultimately comes of it, but we chose this eyes wide open.
Speaker 6 (22:05):
I'm going to back away from this conversation and stick
to the news. If you don't mind, you do that.
Come on, you do that. Come in to deep water
with me. You can't come into this four billion dollar pool.
Well it's not like I don't have thoughts on this subject,
but I mean, objectively, there's no debating the effect that
(22:25):
these foreigners. I mean, whether it's Musker, Rupert Murdoch, look
at what people from other countries are doing to ours.
Speaker 2 (22:31):
Hell, the dude that runs The Times, I'm just saying,
oh yeah, the La Times passing Stone shung.
Speaker 6 (22:36):
Yeah, he's also from South Africa and he's in the
process of destroying that paper right now.
Speaker 2 (22:41):
Yeah. All I can say is we chose this, and
they're careful what you mean by we. Well, all I'm
saying is this country. Yeah, this country royal wee yes country.
I'm not saying you chose I'm saying we, as Americans,
chose this. And there's a large percentage, I would say
a majority of Americans who may not have thought through
(23:03):
the long term implications, they at least know in terms
of the short terms implications. They wanted specifically this, They wanted,
specifically Elon Musk to have a role in our government,
whether it was official or unofficial. We know from a
technological standpoint that AI is the future. We know that
(23:24):
Elon Musk and others are betting on AI moving into
the future. We could look at someone like Jeff Bezos
who just went down tomorrow lago. We could look at
Patrick soon Sean, we can look at all of these. Well, basically,
it's an oligarchy at this point who are exerting undue
influence because they are very wealthy to maximize their impact
(23:46):
and influence on this country. We chose this, and I
say it not to be derisive. I'm just saying to
be intellectually honest. It wasn't like this was a coup
in the middle of the night. This was something that
we chose, and unfortunately, I think that there's going to
be some unintended consequences of that choice now where we
(24:11):
are as a country four years from now. We'll have
to wait and see. But I'm not going to lose
any sleepover it one way or the other. I would
feel differently if there was something wrong with the election
and so, hey, it should have turned out this way.
Speaker 6 (24:24):
Now we chose this, yeah, yeah, well we chose it
by about one point five percent. And I'm not sure
everybody understood what a package deal it was going to be.
And I think I am well within my bounds as
a journalist to say I prefer a democracy to an oligarchy,
since journalism exists to safeguard democracy.
Speaker 2 (24:41):
Well, not to be too pedantic, but I'm going to
get borderline pedantic. You can have both in the sense
of you can have a democracy where people choose the oligarchs.
Speaker 6 (24:53):
Well, we're going to find out, in fact that we've
already started finding out.
Speaker 2 (24:57):
Oh oh yeah, we're almost there. For Mark, we are.
But going back to the story, AI is going to
be a huge component to it, a huge component. Always
go back to the basics.
Speaker 6 (25:10):
Send and remember what the what deep throat in the
in the underground garage said to Woodward and Burnstone.
Speaker 2 (25:18):
I thought that was deep throat, different deep throat. Oh okay.
I think we all need follow the money.
Speaker 6 (25:24):
We all need to develop some code words or safe
words so that when you call I know it's you.
I need a safe word mark, moe. We'll say it
off the air. We need safe words. We have to
walk away from our phones to develop these, because I
need to know it's you or sometime your voice is
all over the rago. Oh I know it can be duplicated. Yeah, yeah, oh, yeah, yeah,
(25:44):
we need safe words and we need some kind of
watermark for when we send each other nudes.
Speaker 2 (25:49):
Caf I am six forty we're live everywhere on the
iHeartRadio app. We got to know what is it that
was your D pick that was from you? You sent
that D pic, a D pick or a C pick.
Speaker 6 (26:07):
I don't know what you're referring to because you're being
a little cryptic. I have an epick, very very extra. Okay,
you can keep your apick to yourself.
Speaker 2 (26:18):
Excuse me. Robin is here working the show.
Speaker 1 (26:24):
Hey Rob, you're listening to Later with Moe Kelly on
demand from KFI AM six FORTYMI.
Speaker 2 (26:32):
Mo Kelly live everywhere on the iHeartRadio app. And against
the backdrop of this holiday celebration, people are out buying
presents and gifts. You gotta be careful. There's someone who's
always trying to separate you from your money, but illegally.
All sorts of scams, all sorts of fraud out there,
(26:53):
and they are about five different types of scams and
fraud which have been identified by the California Attorney General's
Office and the IRS want to pass this information along
to you just to keep you in the know there's
charity fraud. You'll probably receive all sorts of requests for
donations to this organization or that organization. Check the registration.
(27:16):
Make sure the charity is registered with the Attorney General's
Registry of Charities and Fundraisers. In other words, make sure
the charity is actually legitimate and how they're requesting the
money is coming through a legitimate portal or requests. Sometimes
it could be spoofing a charity that you may already know,
(27:36):
but it's going to a fake website. And don't let
someone pressure you into making any type of donation or
any type of payment. That's usually a dead giveaway that
it's not legitimate. They're not asking, they're forcing you. They're
pressuring you. They're trying to encourage you to make a
split decision under yourress, as opposed to something where you
(27:59):
would just make it in your in your own time
and space. And also protect your personal info. You should
never ever be giving your personal information online or on
the phone through a request. Now, if you should choose to,
let's say, visit a website and put your information, that's different,
(28:22):
that's on you. But make sure that you are not
clicking on a link but actually putting the address of
the charity or wherever you plan to spend money in
that address.
Speaker 6 (28:34):
Bar.
Speaker 2 (28:34):
If you're going to go to Target dot com, for example,
and buy things at Target, don't click on a link
in an email that you might have received. It could
be sent to a spoofed website and you think that
you're shopping at Target, and in fact you're not. You're
just giving away your money. You're not going to get
anything in return. And they're also packaged delivery scams. Be
(28:56):
suspicions of unsolicited texts and emails about delivery issues. I've
gotten a bunch of these. I can't speak for you, Twala,
but I'll get these text messages saying, hey, we have
this package here. You know, either you have to like
pay for it to finish getting delivered, or you need
you to put in your information so they'll know how
to deliver it.
Speaker 7 (29:15):
I have three of those that I've gotten this week
alone from alleged Amazon deliveries.
Speaker 2 (29:22):
Allegedly. Yes, so be very careful again of any type
of pressure which is being applied. If there's a message
with urgent language or errors package alerts, you know, be
aware of what you are supposed to be receiving, which
is something you have purchased, which is on the way,
and if it doesn't line up with your information, it's
(29:44):
probably a scam. And there's the more traditional fishing and
what it's called smishing, where you do not want to
click on suspicious links and emails or texts. As a
general rule, just don't click on links and texts or emails,
and you're safer that way. And they're spear phishing and
yet to be wary of personalized scams targeting specific individuals.
(30:08):
It's not very difficult for a fisher to match up
your email with your name, and it gives the false
sense of it being legitimate. Hey, mister mo' kelly, you
know this mcavee malware program that you bought from us
last week for six hundred dollars. We still haven't received payment.
(30:31):
I said, well, it must be legitimate. It has my
name and my email. No it's not. It's not. And
I get a lot of those emails where I supposedly
made a purchase and they're still waiting payment. Well, you mother,
fathers are just gonna keep on waiting because you're not
getting anything from me, because I didn't buy anything from you,
so you're.
Speaker 6 (30:47):
Not getting the ones that I get where it says
thank you for your payment. We are processing, like your
six hundred dollars payment now. Please make sure you send
this the information because they said we're processing now. If
we don't hear from you soon, it's going to go
through on your account. We want to make sure that
the funds are in your account, so reach out to
us immediately.
Speaker 2 (31:07):
That's the pressure ized said, where you have to do
something right now, right now, and that's how they get you.
I'm slow on the uptick for everything like no, you
can wait. Let me read this closely. Oh yeah, this
is this is fraudulent. Yep, yep. Don't ever be in
a rush to act because someone says you need to
be in a rush to act because also there's identity theft.
(31:30):
You have to regularly check your bank and credit card statements.
And it doesn't have to be large transactions. Could be
smaller transactions assuming that you're not going to notice it,
and then they can make more transactions. You know. I
look for something like could be like a McDonald's purchase.
I haven't been McDonald's. They're just trying to see if
the card is active and the account is active, and
(31:53):
then they may hit you for a larger purchase later on.
So these are things that you have to be very
careful about. Protect your sensitive information. Be very cautious about
sharing personal information online and it will save you a
lot of heartache and headaches. On the other side, you
don't want to have to unnecessarily cancel your card or
(32:13):
see if other illegal, fraudulent purchases have been made in
your name or with different credit cards. People are trying
to piece together your information, don't help them out. Those
are just some general rules. KFI AM six forty Live
Everywhere the iHeartRadio app perfect for achy, indecisive minds.
Speaker 1 (32:31):
Canfi is cooling info jel quickly relieves ignorance and leaves
a mifty fresh scent.
Speaker 6 (32:38):
KFI and the KOST HD two Los Angeles, Orange County
Speaker 2 (32:44):
Live everywhere on the radio app
Later, with Mo'Kelly News
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