WEBVTT 1 00:00:00.720 --> 00:00:04.320 You're listening to Later with Moe Kelly on demand from 2 00:00:04.400 --> 00:00:06.360 KFI AM six forty. 3 00:00:06.519 --> 00:00:08.599 It's Later with mo Kelly. We're live everywhere on the 4 00:00:08.640 --> 00:00:11.880 iHeartRadio app. On this Tech Thursday, Marcia Collier joins me 5 00:00:11.960 --> 00:00:15.880 in studio. Good evening, Marsha, Good evening. Though you heard 6 00:00:15.880 --> 00:00:19.640 our conversation. I was talking about the old school California 7 00:00:19.719 --> 00:00:23.359 driver's license that were basically photo paper, and I could 8 00:00:23.440 --> 00:00:26.519 use an exact knife and. 9 00:00:26.000 --> 00:00:28.519 Change great, and you could, you know, get older. 10 00:00:28.399 --> 00:00:30.760 And just immediately. It was great for when I was fifteen. 11 00:00:31.559 --> 00:00:36.079 They've improved the technology so you can no longer do that. 12 00:00:37.000 --> 00:00:39.719 They have obviously the like the credit card license with 13 00:00:39.799 --> 00:00:42.679 the magnetic strip that has all your information on it. 14 00:00:43.000 --> 00:00:46.719 And now the next iteration of that is it's going 15 00:00:46.759 --> 00:00:50.640 to be downloadable if you will and put into your 16 00:00:50.719 --> 00:00:54.640 wallet on your phone. Now it's not accepted by law enforcement. 17 00:00:54.520 --> 00:00:59.320 It's not accepted to spensaries, it's not accepted at nightclubs. 18 00:00:59.439 --> 00:01:02.399 It's still not accepted in a lot of places because 19 00:01:02.960 --> 00:01:07.640 AI think about it, you can easily do the same 20 00:01:07.680 --> 00:01:09.840 thing we used to do with an exact knife, and. 21 00:01:10.200 --> 00:01:14.159 Right no, I'm quite sure some fifteen year old somewhere 22 00:01:14.239 --> 00:01:16.079 right now is gaming the system. 23 00:01:16.239 --> 00:01:20.640 Of course, that's what we do right now. 24 00:01:20.799 --> 00:01:24.280 But much has been made of these digital versions of 25 00:01:24.319 --> 00:01:27.840 the driver's license. They have it in different states. It 26 00:01:27.879 --> 00:01:31.719 can be used as some airports. The California one doesn't 27 00:01:31.760 --> 00:01:36.040 have real utility as of yet, but their concerns about it. 28 00:01:36.840 --> 00:01:39.840 Yeah, and it was you know, I was really glad 29 00:01:39.879 --> 00:01:43.280 to hear that, Governor Knewsom. He just said, it's the 30 00:01:43.359 --> 00:01:47.840 option to hold secure, convenient, and private digital driver's license 31 00:01:47.920 --> 00:01:51.640 and identification cards. I'm so glad that the state of 32 00:01:51.680 --> 00:01:55.640 California is looking out for us. This is all part. 33 00:01:56.200 --> 00:02:02.640 Here comes the dark side of the statewide digital identity framework, 34 00:02:03.799 --> 00:02:09.479 and that is the DMV saying they have their own 35 00:02:09.759 --> 00:02:13.919 mobile wallet, or you can use your Apple wallet or 36 00:02:13.960 --> 00:02:20.520 your Android wallet to store your driver's license. Now, a 37 00:02:20.520 --> 00:02:25.280 lot of retail locations aren't taking it, and it does 38 00:02:25.439 --> 00:02:30.520 require that you still carry a physical driver's license when 39 00:02:30.680 --> 00:02:34.960 you're driving, so I don't know about that. The government 40 00:02:35.039 --> 00:02:39.000 claims that it gives us more control over how we 41 00:02:39.080 --> 00:02:43.479 share our information, does it, Well, yeah, it gives the 42 00:02:43.479 --> 00:02:47.400 government more control because that digital identity framework of the 43 00:02:47.439 --> 00:02:50.120 State of California sounds a whole lot like some of 44 00:02:50.120 --> 00:02:52.000 the things I heard when I was in China. 45 00:02:52.639 --> 00:02:54.240 Let me just play the other side of that argument. 46 00:02:54.479 --> 00:02:57.199 I could say, well, the DMV already has this information. 47 00:02:57.360 --> 00:03:00.479 It is digitized to a certain degree because that our 48 00:03:00.639 --> 00:03:03.479 driver license driver's license right now has that magnetic strip 49 00:03:03.520 --> 00:03:07.280 and any bar how's that freaky barcode. 50 00:03:06.840 --> 00:03:09.719 On the right, So they have the information. 51 00:03:10.080 --> 00:03:12.000 What difference does it make if it just happens to 52 00:03:12.039 --> 00:03:14.000 be in a digital form or some other. 53 00:03:13.919 --> 00:03:18.280 Digital in your phone and you have to give it 54 00:03:18.360 --> 00:03:22.000 permission to be there, and by you installing the app, 55 00:03:22.639 --> 00:03:28.319 you are given permission to your data to go elsewhere, 56 00:03:28.439 --> 00:03:29.639 whether you know it or not. 57 00:03:30.599 --> 00:03:32.319 All right, let's walk down this road. 58 00:03:32.759 --> 00:03:38.280 Give us a possible consequence of this more specific for people. 59 00:03:38.840 --> 00:03:43.319 Okay, Well, that wallet that you can put a little 60 00:03:43.360 --> 00:03:47.560 link to on lock screen of your phone. I've been 61 00:03:47.599 --> 00:03:50.400 trying to do that and make it work for quite 62 00:03:50.439 --> 00:03:53.560 a while on Android, and it still wants my fingerprint. 63 00:03:54.599 --> 00:03:58.199 That is a secondary measure. I do full disclosure, I 64 00:03:58.280 --> 00:04:01.439 do have it on my phone, but it's in the wallet, 65 00:04:01.919 --> 00:04:04.919 not the general like Google, pay Apple. 66 00:04:04.680 --> 00:04:07.319 Pay wallt And okay, we're gonna go back to some 67 00:04:07.520 --> 00:04:10.680 we talked about a long time ago, and you still 68 00:04:10.719 --> 00:04:13.000 have to open for your phone for that right. 69 00:04:13.400 --> 00:04:15.240 If you look at my phone right now, it says 70 00:04:15.360 --> 00:04:18.480 I have to unlock, right, and then it will ask 71 00:04:18.519 --> 00:04:21.240 for my fingerprint, and then I'm in. 72 00:04:21.920 --> 00:04:25.319 Now looking at that no offense. I think there's a 73 00:04:25.319 --> 00:04:29.360 whole lot more stuff going on on your driver's license 74 00:04:30.000 --> 00:04:32.480 and to go to an airport, you don't need that. 75 00:04:32.959 --> 00:04:36.680 If you have TSA pre check, you can use that 76 00:04:36.879 --> 00:04:40.399 nice little card, yep. And then there's if you have 77 00:04:40.480 --> 00:04:44.399 a passport, which many people do. For five dollars more, 78 00:04:44.759 --> 00:04:46.199 you can get a passport card. 79 00:04:46.560 --> 00:04:48.160 But let me ask you this, because I am the 80 00:04:48.279 --> 00:04:51.920 king of losing stuff. What about when, not if, but 81 00:04:52.120 --> 00:04:56.079 when I'm traveling and I misplaced by passport and I 82 00:04:56.079 --> 00:04:58.319 don't want to be stuck in Korea like I was 83 00:04:58.399 --> 00:04:59.879 in June. Not stuck, but I wasn't. 84 00:05:00.519 --> 00:05:03.560 Okay, then you have that passport card in your wallet. 85 00:05:03.600 --> 00:05:05.879 No, I'm just saying, if you back. 86 00:05:06.920 --> 00:05:11.439 That passport card is a backup and general identification that's 87 00:05:11.519 --> 00:05:17.120 recognized all over the world. The California Supreme Court unanimously 88 00:05:17.680 --> 00:05:20.480 held that police need a warrant to search through cell 89 00:05:20.560 --> 00:05:24.800 phones even during arrests even you know when it's legit. 90 00:05:25.639 --> 00:05:29.360 But if you hand over your unlocked phone to a 91 00:05:29.399 --> 00:05:33.319 police officer and offer to show them something, Hey, look 92 00:05:33.319 --> 00:05:36.639 at a picture of my baby. Now the minute he 93 00:05:36.680 --> 00:05:43.639 gets that phone, you have granted a search period and 94 00:05:44.199 --> 00:05:48.800 there's no limits to what it can be. The ACLU says, quote, 95 00:05:49.040 --> 00:05:51.639 there have been cases where people give consent to do 96 00:05:51.759 --> 00:05:55.879 one thing and the cops take the whole phone. No, 97 00:05:55.959 --> 00:05:58.600 they would never do that, copy the whole phone. 98 00:05:58.759 --> 00:05:59.959 No, they would never do that. 99 00:06:00.560 --> 00:06:04.399 Find other evidence in the phone. And the legal question 100 00:06:04.560 --> 00:06:08.879 is what comes up in court? Is that a violation 101 00:06:09.000 --> 00:06:12.199 of the scope of consent? I mean, because think about it. 102 00:06:12.240 --> 00:06:14.959 If they find something in your if you were standing 103 00:06:15.000 --> 00:06:20.360 next to a major FBI thing bad happening. Just picture 104 00:06:20.399 --> 00:06:23.120 all the stuff you see on TV and you were there. 105 00:06:23.639 --> 00:06:25.680 You didn't know what was going on, but you were 106 00:06:25.720 --> 00:06:30.040 standing in the vicinity, and that location's living on your phone. 107 00:06:30.240 --> 00:06:32.199 There's going to be a lot of questioning to do. 108 00:06:33.759 --> 00:06:38.160 Let me ask you, this is consent. Would you say 109 00:06:38.839 --> 00:06:41.680 you're granting consent when you hand over the phone. If 110 00:06:41.720 --> 00:06:46.639 I were to show an officer my digital license, which 111 00:06:46.639 --> 00:06:48.480 I wouldn't, I would use my physical one. But if 112 00:06:48.480 --> 00:06:51.720 I were to do that, is that considered handing over 113 00:06:51.759 --> 00:06:54.000 the phone. To the best of your knowledge. 114 00:06:53.800 --> 00:06:58.560 They will ask for the phone. They will ask the phone. Hey, 115 00:06:58.639 --> 00:07:02.279 and officers behind you one hundred percent on everything you do. 116 00:07:02.319 --> 00:07:06.360 But this is a privacy issue. And the thing is, 117 00:07:06.839 --> 00:07:10.879 if you police do have a warrant to search your phone, okay, great, 118 00:07:11.519 --> 00:07:16.399 they can. They say that they can require you to 119 00:07:16.480 --> 00:07:19.680 provide biometric which is your fingerprint or your face. Right, 120 00:07:20.680 --> 00:07:24.279 But that's still an unsettled question in the courts and 121 00:07:24.399 --> 00:07:27.079 is probably going to have to go higher. The Fifth 122 00:07:27.079 --> 00:07:32.519 Amendment typically protects giving up passcodes as a form of 123 00:07:32.600 --> 00:07:35.519 self incrimination. Just like if you were going to testify 124 00:07:35.519 --> 00:07:39.000 in a court, you take the fifth the minute you 125 00:07:39.199 --> 00:07:43.800 give the password. The passcode, in other words, the verbal thing, 126 00:07:44.439 --> 00:07:48.279 because in the word of one Federal Appeals Court decision, 127 00:07:48.759 --> 00:07:54.600 it requires no cognitive exertion, placing it firmly in the 128 00:07:54.639 --> 00:07:58.079 same category as a blood draw or a fingerprint, taking 129 00:07:58.120 --> 00:08:01.439 it at booking. So in other words, you don't have 130 00:08:01.519 --> 00:08:05.399 to think about it, just do it, do it, okay. 131 00:08:05.480 --> 00:08:09.360 So if my driver's license is not in a digital form, 132 00:08:09.959 --> 00:08:11.240 there is nothing. 133 00:08:10.920 --> 00:08:12.720 From what we know and I'm not asking you as 134 00:08:12.759 --> 00:08:16.399 a lawyer or an advisor, right, But does. 135 00:08:16.240 --> 00:08:18.959 That mean that that a law enforcement can't ask for 136 00:08:19.120 --> 00:08:22.040 my phone just to ask for my phone. 137 00:08:21.839 --> 00:08:25.759 Now, unless they have a warrant. Unless they have a warrant, 138 00:08:26.000 --> 00:08:28.959 you give them that paper thing along with your registration 139 00:08:29.079 --> 00:08:31.120 and your insurance, and you should be good to go. 140 00:08:32.519 --> 00:08:35.039 You know. And we all think there's nothing incriminating on 141 00:08:35.080 --> 00:08:40.279 our phone. Again, there could be some coincidence that places 142 00:08:40.279 --> 00:08:42.519 you at the scene of a crime that you weren't 143 00:08:42.559 --> 00:08:47.759 even aware of, and nothing's pleasant. And lawyers aren't cheap. 144 00:08:48.799 --> 00:08:53.960 So you know, even though Apple and Google say you 145 00:08:54.000 --> 00:08:58.840 can display an encrypted ID without fully unlocking your phone, 146 00:08:59.000 --> 00:09:00.720 I got to tell you, I just wrote a book 147 00:09:00.720 --> 00:09:03.440 about Android. I haven't been able to figure it out. 148 00:09:03.759 --> 00:09:05.519 We'll do more on this when we come back. It's 149 00:09:05.600 --> 00:09:08.120 Later with mo Kelly. I'm joined in studio by Marsha Callier. 150 00:09:08.519 --> 00:09:13.480 Fascinating conversation about rights and probable cause and how it 151 00:09:13.519 --> 00:09:15.360 can be used against you. 152 00:09:15.360 --> 00:09:18.919 You're listening to Later with mo Kelly on demand from 153 00:09:19.039 --> 00:09:21.080 KFI AM sixty. 154 00:09:23.240 --> 00:09:25.840 With Mo Kelly, mok. 155 00:09:27.679 --> 00:09:32.519 AM six live everywhere on the iHeartRadio app. I'm still 156 00:09:32.519 --> 00:09:37.639 in studio with marsh Marsha. I love technology and people 157 00:09:37.679 --> 00:09:40.480 don't know this, but during the break your husband showed 158 00:09:40.480 --> 00:09:47.440 me this really nifty, cool, necessary tech item. We had 159 00:09:47.480 --> 00:09:50.639 a ten second conversation. I said, boo boo, boo boop, 160 00:09:50.879 --> 00:09:53.639 purchase it for myself and now it's on the way 161 00:09:53.679 --> 00:09:56.960 to me. What do you think of this, this ability 162 00:09:57.000 --> 00:09:59.879 to just talk about it and order it and have it. 163 00:10:00.360 --> 00:10:02.840 Well, I think it's great because the best marketing for 164 00:10:02.960 --> 00:10:06.960 any good product, right is word of mouth. Right, That's 165 00:10:07.120 --> 00:10:11.000 it people telling people. And by the way, what Moe 166 00:10:11.080 --> 00:10:14.080 is talking about, it's a card that you can find 167 00:10:14.159 --> 00:10:16.159 on Amazon. You can find it all over the web, 168 00:10:16.440 --> 00:10:18.720 that you put in your wallet, and it scrambles so 169 00:10:18.799 --> 00:10:21.799 that somebody can't walk by and pull data. Yes they 170 00:10:21.840 --> 00:10:25.440 can pull data off your cards, Yes they can. 171 00:10:25.159 --> 00:10:26.960 Then they don't have to like pickpocket you. In the 172 00:10:26.960 --> 00:10:27.960 same tradition, you can. 173 00:10:27.960 --> 00:10:31.879 Count your money. You know, those wires in the money. 174 00:10:33.240 --> 00:10:37.320 They're not just there for good looks. I mean it's insane. 175 00:10:38.240 --> 00:10:42.080 You have no idea. Again, going back to what we 176 00:10:42.080 --> 00:10:46.919 were talking about, people are in good faith with all 177 00:10:46.960 --> 00:10:49.360 of these things, and we want to do the technology. 178 00:10:50.600 --> 00:10:55.559 But when it comes to the paper. Then we need 179 00:10:55.639 --> 00:10:59.200 to have certain things we back up our digital files. 180 00:11:00.240 --> 00:11:04.919 Consider the paper the backup or your main thing. Or 181 00:11:04.960 --> 00:11:09.919 when you travel, put it on a copier, don't scan it, 182 00:11:10.080 --> 00:11:12.639 don't put it in the cloud. Carry a piece of 183 00:11:12.679 --> 00:11:16.440 paper with your passport, your credit cards, all the things 184 00:11:16.480 --> 00:11:19.639 you're carrying with you in case your pickpocket in another country. 185 00:11:19.919 --> 00:11:22.080 Because if you walk into an American embassy in a 186 00:11:22.080 --> 00:11:24.759 foreign country and show them that piece of paper, they're 187 00:11:24.759 --> 00:11:28.960 going to be able to identify you. So the paper 188 00:11:29.600 --> 00:11:35.720 is our backup, and our paper can't be shared or 189 00:11:36.240 --> 00:11:41.879 malware dropped on, or our information stolen oops by accident. 190 00:11:42.000 --> 00:11:46.759 Yes it's all well meaning, but I frankly don't trust 191 00:11:46.759 --> 00:11:51.039 the government to have the highest level of security on everything. 192 00:11:51.440 --> 00:11:53.399 What do you mean you don't trust the government? You 193 00:11:53.440 --> 00:11:55.080 should always trust the government. 194 00:11:55.320 --> 00:12:00.440 Wouldn't that be nice? Wouldn't that be nice? Wouldn't But 195 00:12:00.639 --> 00:12:02.600 the people in China they trust the government? 196 00:12:02.919 --> 00:12:03.320 Do they? 197 00:12:04.559 --> 00:12:05.799 I'm afraid they have to. 198 00:12:05.960 --> 00:12:07.840 That's what I'm saying. That's what I'm saying. I don't 199 00:12:07.840 --> 00:12:09.759 know if that's trust or coercion, but. 200 00:12:09.759 --> 00:12:12.960 You know it is coercion. And I got to tell 201 00:12:12.960 --> 00:12:16.720 you you'd never get away in a lot of countries 202 00:12:16.960 --> 00:12:19.399 in our world right now, of what people get away 203 00:12:19.399 --> 00:12:22.440 with here in Los Angeles. And I'm not talking about you, 204 00:12:22.519 --> 00:12:26.279 the listener, you know what I'm talking about, the break ins, 205 00:12:27.000 --> 00:12:30.919 the did you see that police pursuit last night? Of course? 206 00:12:32.399 --> 00:12:36.159 But you know, the cost of freedom is also the 207 00:12:36.200 --> 00:12:39.480 freedom for people to make conscious decisions to either follow 208 00:12:39.519 --> 00:12:40.759 the law or not follow. 209 00:12:40.519 --> 00:12:43.840 Them right right, and until they make it a law 210 00:12:43.919 --> 00:12:48.120 saying you have to just keep your regular paper. Oh 211 00:12:48.120 --> 00:12:51.120 and by the way, in that law the real ID, 212 00:12:51.720 --> 00:12:54.919 you do not have to get a real ID. You 213 00:12:55.000 --> 00:12:57.759 do not have to do that if you have a 214 00:12:57.840 --> 00:13:01.960 passport card or if you have that TSA pre check 215 00:13:02.519 --> 00:13:03.559 Global entry card. 216 00:13:03.759 --> 00:13:05.960 Yeah, that's kind of invasive. When I got my TSA 217 00:13:06.039 --> 00:13:08.399 pre check and even the renewal. They want to know everything. 218 00:13:08.440 --> 00:13:10.200 They want to know about your ex girlfriends. They want 219 00:13:10.200 --> 00:13:10.919 to know about everything. 220 00:13:10.960 --> 00:13:16.200 They know everything. That questionnaire was like eight ten pages long, easily, and. 221 00:13:16.120 --> 00:13:17.720 They already have the information. They just want to see 222 00:13:17.720 --> 00:13:18.320 if you wanna lie. 223 00:13:18.519 --> 00:13:21.360 Well, the thing was, I was at that time I 224 00:13:21.440 --> 00:13:24.440 went for my interview, and I had been traveling a lot, 225 00:13:24.879 --> 00:13:27.200 like every other week, different city, different. 226 00:13:27.600 --> 00:13:29.720 And you had China on there too, right, No. 227 00:13:29.759 --> 00:13:33.759 This was before China. And the guy said, well, how 228 00:13:33.879 --> 00:13:35.440 was Canada? 229 00:13:35.519 --> 00:13:38.039 They already knew, but I didn't. 230 00:13:37.759 --> 00:13:41.360 Remember that i'd been to Canada because I spoke at 231 00:13:41.399 --> 00:13:45.559 a conference for one night and I left Canada. So Canada, 232 00:13:46.320 --> 00:13:49.039 I love you, Canada, but you weren't top of mind. 233 00:13:49.480 --> 00:13:53.799 Well that caused them to grill me an extra. They 234 00:13:53.919 --> 00:13:57.879 kept going at me and going at me. Oh yeah, 235 00:13:57.919 --> 00:14:01.360 that's where I bought the blah blah, the duty free store. 236 00:14:01.480 --> 00:14:05.519 That's how I remember where I go. Sad but yeah, 237 00:14:05.639 --> 00:14:08.679 I mean, you have to answer questions, they have to 238 00:14:08.720 --> 00:14:09.720 scan your retinas. 239 00:14:09.840 --> 00:14:13.279 But it's worth it, better worth it. It is really 240 00:14:13.320 --> 00:14:16.759 worth it to travel with Global Entry. It is. It's 241 00:14:16.759 --> 00:14:19.080 hard for me to say that I would ever go back. 242 00:14:19.559 --> 00:14:22.080 No, And for those of you who don't have it, 243 00:14:22.159 --> 00:14:26.039 what Global Entry does for you real fast is when 244 00:14:26.039 --> 00:14:29.799 you enter the United States. You know, when the crew 245 00:14:29.960 --> 00:14:32.799 kind of trounces off and walks past that nice man 246 00:14:33.519 --> 00:14:35.120 with their baggage and waves back. 247 00:14:35.159 --> 00:14:37.519 It kind of bypasses that super long line of people 248 00:14:37.559 --> 00:14:40.039 waiting to put their laptops and the thing to take 249 00:14:40.039 --> 00:14:40.679 it off their shoety. 250 00:14:40.960 --> 00:14:45.000 No, I'm talking about when you're leaving leaving the airport 251 00:14:45.200 --> 00:14:48.919 after an international flight and you got the guys there 252 00:14:49.000 --> 00:14:51.279 looking at the bags. The dogs are walking around sniffing, 253 00:14:51.879 --> 00:14:54.759 but the crew just gets to go right through. Well, 254 00:14:54.799 --> 00:14:57.679 if you have global entry, you just get to walk 255 00:14:57.759 --> 00:14:59.960 right through behind the crew. And the man says, how 256 00:15:00.080 --> 00:15:02.399 a nice day to do? Or do you do any shopping? 257 00:15:02.440 --> 00:15:05.159 And you said, yeah, I got a few souvenirs. Okay, 258 00:15:05.279 --> 00:15:07.519 have a wonderful day. See it because they know who 259 00:15:07.559 --> 00:15:11.159 you are. Yeah, they scan your retina coming and going. 260 00:15:11.519 --> 00:15:16.320 Yeah, And we may not like facial recognition or retinal scanning, 261 00:15:16.440 --> 00:15:18.440 but they already know who you are. 262 00:15:18.799 --> 00:15:21.799 That's the point. And let's hope that that helps to 263 00:15:21.960 --> 00:15:27.080 prevent false arrests and bad things going on in the future. 264 00:15:27.559 --> 00:15:29.679 Marshall Caryer, I could talk to you all night and 265 00:15:29.720 --> 00:15:33.000 thank you for the technological suggestion. 266 00:15:33.480 --> 00:15:35.000 And I can't wait till I get my card. 267 00:15:34.879 --> 00:15:37.120 Tip of the date and then we'll bring something and 268 00:15:37.159 --> 00:15:38.679 try and test it. How's that? 269 00:15:38.960 --> 00:15:41.159 See if you can steal my data? Yeah, in real time, 270 00:15:43.559 --> 00:15:44.720 let's not just say we did. 271 00:15:46.200 --> 00:15:48.879 Okay, mo, I will see you next week. 272 00:15:49.600 --> 00:15:53.159 You're listening to Later with Moe Kelly on demand from 273 00:15:53.279 --> 00:15:54.840 KFI AM six forty. 274 00:15:55.080 --> 00:15:59.120 Have you ever had this experience where you may sign 275 00:15:59.200 --> 00:16:02.279 up for something, a subscription, maybe it's like a trial, 276 00:16:03.080 --> 00:16:06.080 and then if you don't cancel within seven days or whatever, 277 00:16:06.759 --> 00:16:09.679 it automatically bills you. You may forget about it, and 278 00:16:09.720 --> 00:16:11.559 then you get your bank statement a few months later 279 00:16:11.600 --> 00:16:15.279 and you realize, hey, you've been charged by three or 280 00:16:15.320 --> 00:16:18.320 four months in a row, and you can't remember exactly 281 00:16:18.759 --> 00:16:23.639 where you signed up or how to cancel it. And 282 00:16:23.720 --> 00:16:28.240 these services across the board, they're very, very smart about 283 00:16:28.360 --> 00:16:34.080 making it difficult for you to cancel a subscription. 284 00:16:34.679 --> 00:16:36.559 That's the whole point. They want you to forget about it. 285 00:16:37.120 --> 00:16:40.320 They want you to get frustrated and give up or 286 00:16:40.480 --> 00:16:42.279 go on to some other task, and you forget and 287 00:16:42.320 --> 00:16:45.000 all of a sudden, another billing cycle has passed. 288 00:16:45.919 --> 00:16:48.159 Well, there's a new law to address that. 289 00:16:48.879 --> 00:16:52.480 Back on Tuesday, Governor Knwsom signed AB twenty eight sixty three, 290 00:16:53.200 --> 00:16:57.000 which requires businesses to offer a simple way, and that's 291 00:16:57.120 --> 00:17:01.600 kind of subjective, a simple way for users to cancel 292 00:17:01.679 --> 00:17:06.319 their online subscriptions for people just like me. For example, 293 00:17:06.599 --> 00:17:09.720 if a user signs up for a service online, businesses 294 00:17:09.839 --> 00:17:14.519 must now offer an online click to cancel option click 295 00:17:14.559 --> 00:17:15.039 to cancel. 296 00:17:15.279 --> 00:17:16.319 It's a great idea. 297 00:17:16.440 --> 00:17:20.720 The law also requires businesses to send subscribers like me 298 00:17:21.079 --> 00:17:26.319 because I forget, send an annual reminder about the subscriptions costs, 299 00:17:26.680 --> 00:17:30.119 how to cancel, and potential price changes and. 300 00:17:31.000 --> 00:17:32.079 Correct me if I'm wrong. 301 00:17:32.599 --> 00:17:36.640 But I'm pretty sure, like an Amazon subscription that's just 302 00:17:36.720 --> 00:17:40.440 automatically renewed, because I don't remember them sending me an 303 00:17:40.519 --> 00:17:43.240 email saying, hey, you better renewed because we're getting ready 304 00:17:43.240 --> 00:17:45.759 to cancel. You know, it's done automatically. That's like one 305 00:17:45.839 --> 00:17:48.319 hundred and thirty eight dollars or something. 306 00:17:48.359 --> 00:17:50.839 I think you get to notice after they have renewed it. 307 00:17:50.880 --> 00:17:53.680 Oh yeah, they'll let you know, yes, you are renewed 308 00:17:53.720 --> 00:17:55.039 for twenty twenty five. 309 00:17:54.880 --> 00:17:58.000 After they've helped themselves to your bank account. Then they like, 310 00:17:58.119 --> 00:18:03.319 you know, welcome back. Right, Wait a minute, one hundred 311 00:18:03.319 --> 00:18:04.880 and that's a good point. 312 00:18:04.960 --> 00:18:07.319 Yeah, because even just real quick with because I still 313 00:18:07.319 --> 00:18:10.079 have Max and yeah, it'll it'll tell me, oh, your 314 00:18:10.119 --> 00:18:12.920 renewal is coming up. But yeah, something like Amazon, it'll 315 00:18:12.960 --> 00:18:14.680 be after the fact, right. 316 00:18:14.559 --> 00:18:18.119 And I will get the email, the courtesy email for 317 00:18:18.319 --> 00:18:21.480 Apple TV for all my subscription services saying you were 318 00:18:21.640 --> 00:18:23.240 just bill for such and such and such for a 319 00:18:23.240 --> 00:18:25.960 month of whatever, and I get that, but there are 320 00:18:26.240 --> 00:18:29.759 certain services. Now you may not be a boxing fan, 321 00:18:29.799 --> 00:18:33.559 but there is a boxing streaming service called Days and 322 00:18:33.720 --> 00:18:35.960 da z N. 323 00:18:35.480 --> 00:18:37.160 And it's the company of. 324 00:18:39.440 --> 00:18:46.279 Alvarez Carmelo alvil Alvarez boxer, and it will bill you. 325 00:18:47.559 --> 00:18:49.119 Put it this way, if you sign up to watch 326 00:18:49.119 --> 00:18:52.400 a fight, it automatically signs you up for their service. 327 00:18:52.920 --> 00:18:55.759 So you'll pay like the sixty nine ninety nine or 328 00:18:55.839 --> 00:18:59.119 more for the fight, but then in the fine print, 329 00:18:59.599 --> 00:19:02.799 you're auto billed. I will say maybe twenty three dollars 330 00:19:02.880 --> 00:19:06.160 a month because it offers other content. But the whole 331 00:19:06.200 --> 00:19:09.000 point is you only wanted that one fight, but you're 332 00:19:09.119 --> 00:19:12.440 signing up unbeknownst to you, unless you're really paying attention, 333 00:19:13.119 --> 00:19:17.440 you're signing up for their streaming service in perpetuity, and 334 00:19:17.480 --> 00:19:21.839 then they will bill you in perpetuity. If it did 335 00:19:21.839 --> 00:19:25.920 not take me four hours to find out how to 336 00:19:26.039 --> 00:19:28.880 cancel that service, because depending on if you did it 337 00:19:28.920 --> 00:19:32.240 through your TV, depending on if you did it online, 338 00:19:32.680 --> 00:19:35.480 it is really really difficult. I had to cuss out 339 00:19:35.519 --> 00:19:37.960 a lot of people, a lot I was cussing that 340 00:19:38.079 --> 00:19:40.000 day had to cuss out a lot of people to 341 00:19:40.039 --> 00:19:40.559 get rid of. 342 00:19:40.599 --> 00:19:42.759 Dason, and I think that's how they pronounce it. 343 00:19:44.200 --> 00:19:49.240 You're talking about the fights that just happened with uh Canelo, 344 00:19:49.319 --> 00:19:50.039 Alva Roberts. 345 00:19:50.119 --> 00:19:50.319 Yep. 346 00:19:50.599 --> 00:19:53.839 If you just signed up for that fight, you automatically 347 00:19:53.920 --> 00:19:56.880 without if you don't read the fine print, you're automatically 348 00:19:56.920 --> 00:19:58.279 signed up for that service. 349 00:19:58.400 --> 00:20:01.160 Yes, one hundred percent. A lot of sites like that too, 350 00:20:01.240 --> 00:20:05.160 They supprew you over. That doesn't even make legal sense. 351 00:20:05.359 --> 00:20:07.759 We'll see they're skirting the law. And it's in the 352 00:20:07.799 --> 00:20:10.359 fine print if you go back and look, I mean 353 00:20:10.400 --> 00:20:14.119 it's really really tiny and in your signing because you 354 00:20:14.200 --> 00:20:17.880 can't get the fight without signing up for the service. 355 00:20:17.920 --> 00:20:20.160 It's not like you had the option I only want 356 00:20:20.160 --> 00:20:22.480 the fight. No, it's a packaged deal. 357 00:20:22.720 --> 00:20:24.359 You have to say, you have to check the box 358 00:20:24.400 --> 00:20:27.880 for the I agree to the terms of condition, and 359 00:20:27.920 --> 00:20:32.720 in that extremely fine print is oh, and we'll rebuild 360 00:20:32.759 --> 00:20:34.759 you in thirty days. 361 00:20:35.000 --> 00:20:37.880 I just want to see the one Canado Alvarez fight. 362 00:20:38.319 --> 00:20:40.279 And then I was getting built in perpetuity because I 363 00:20:40.359 --> 00:20:42.440 was looking at my statement. It's like, wait a minute, 364 00:20:42.920 --> 00:20:46.319 and it's not called daison on your credit card statement, 365 00:20:46.440 --> 00:20:49.079 So it's like I can't I can't remember what it was, 366 00:20:49.160 --> 00:20:51.759 but it wasn't clear what it was and so you 367 00:20:51.799 --> 00:20:56.640 couldn't easily trace it back to what you originally paid for. 368 00:20:56.960 --> 00:20:59.759 So it doesn't say you've been had dot com Well no, 369 00:21:00.200 --> 00:21:02.119 but did you figure it out very quickly? It's like 370 00:21:02.160 --> 00:21:03.279 you've been robbed m. 371 00:21:04.200 --> 00:21:07.640 Yeah, does this work with gym membership subscriptions if you 372 00:21:07.680 --> 00:21:09.880 sign up online? Like say, you know you get that 373 00:21:10.000 --> 00:21:13.039 new gym membership subscription online? Because I know this is 374 00:21:13.079 --> 00:21:17.599 primarily for online subscriptions, but does it help with all 375 00:21:17.640 --> 00:21:17.920 of that? 376 00:21:18.240 --> 00:21:18.480 Yeah? 377 00:21:18.559 --> 00:21:21.279 From what I can glean, it's only for that which 378 00:21:21.319 --> 00:21:24.640 you sign up for online because the click to counsel, 379 00:21:25.200 --> 00:21:30.559 click to cancel is depended upon you having signed up online, 380 00:21:30.599 --> 00:21:32.319 or at least there's an online function. 381 00:21:33.119 --> 00:21:33.880 Now I don't know. 382 00:21:33.960 --> 00:21:37.440 And I try to keep strict tabs on my money 383 00:21:37.440 --> 00:21:40.000 going out each month for that reason, because you always 384 00:21:40.039 --> 00:21:43.799 have these hidden subscriptions that are just everywhere. 385 00:21:43.319 --> 00:21:46.240 A bunch of OnlyFans accounts that you subscribe to. Those 386 00:21:46.279 --> 00:21:48.319 two let me tell you, trying to get out of 387 00:21:48.319 --> 00:21:51.559 a membership with La Fitness is harder than I would 388 00:21:51.559 --> 00:21:53.720 imagine getting out of the mafia would be. 389 00:21:54.119 --> 00:21:56.319 Look, I used to have a Bally subscription back in 390 00:21:56.359 --> 00:22:00.920 the day it was ballets, and those contracts were criminal. 391 00:22:01.799 --> 00:22:04.480 They would sign you up for years. You didn't even 392 00:22:04.680 --> 00:22:06.720 realize it. The way they would try to sell you 393 00:22:06.839 --> 00:22:08.839 is like, oh, yeah, it's only be nineteen ninety nine 394 00:22:08.880 --> 00:22:10.720 from a month, but they don't. 395 00:22:10.519 --> 00:22:12.200 Tell you. 396 00:22:11.839 --> 00:22:16.200 Have to pay for three years. Couldn't get out of it, 397 00:22:16.720 --> 00:22:19.039 and then they would ruin your credit. Had to learn 398 00:22:19.079 --> 00:22:23.200 the hard way. So you're not buying like a nineteen 399 00:22:23.279 --> 00:22:26.759 ninety nine gym membership back then, you're basically making a 400 00:22:26.880 --> 00:22:29.920 three thousand dollars purchase three years. 401 00:22:30.039 --> 00:22:33.200