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AI-designed drug for inflammatory bowel disease enters human clinical trials: ‘A significant need’

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Inflammatory bowel disease (IBD) impacts 1.6 million people in the U.S. — and a new artificial intelligence-generated drug could help alleviate symptoms.

Insilico Medicine, an AI-driven biotech company based in Hong Kong and in New York City, recently announced that its new AI-designed IBD drug — ISM5411 — has entered Phase I clinical trials.

This is Insilico’s fifth AI-designed drug to enter the pipeline. 

WHAT IS ARTIFICIAL INTELLIGENCE (AI)?

If approved, it would be the first medication to treat IBD by blocking prolyl hydroxylase domain (PHD), a protein that regulates the body’s gut barrier protection genes, according to Alex Zhavoronkov, PhD, founder and CEO of Insilico Medicine.

“ISM5411 is a potentially first-in-class candidate for the treatment of IBD – this means that it is designed to treat the disease in an entirely new way,” Zhavoronkov told Fox News Digital in an interview.

Alex Zhavoronkov, PhD, founder and CEO of Insilico Medicine, is pictured in the company’s New York lab. (Insilico Medicine)

Why the need for a new drug?

IBD, which includes Crohn’s disease and ulcerative colitis, causes debilitating symptoms that include abdominal pain, diarrhea, fatigue, weight loss and rectal bleeding, according to Mayo Clinic.

“This condition is on the rise across the industrialized world, but currently there are no cures and few treatments,” said Zhavoronkov.

NEW AI-GENERATED COVID DRUG ENTERS PHASE I CLINICAL TRIALS: ‘EFFECTIVE AGAINST ALL VARIANTS’

Many current drugs for IBD are anti-inflammatory and rely on immunosuppression to work.

“This carries its own set of risks, as suppressing the immune system can give rise to chronic infection and tumor diseases,” Zhavoronkov said.

ISM5411 - Insilico Medicine

Insilico Medicine, an AI-driven biotech company based in Hong Kong and in New York City, recently announced that its new AI-designed IBD drug — ISM5411 — has entered Phase I clinical trials. Fox News Digital spoke with its founder and CEO. (Insilico Medicine)

Other biologic drugs for IBD are administered by IV or self-injection. 

“We knew there was a significant need in this space, and we wanted to find a new way to treat IBD that focused on healing and rebuilding the intestinal lining to lead to long-term improvement of the condition rather than just treating the symptoms,” said Zhavoronkov.

Tapping into AI’s power

IBD patients produce significantly more of the PDH protein than those without the condition. 

Insilico’s research and development team used Chemistry42, the company’s generative AI chemistry engine, to design a molecule to block the PDH and produce genes that protect the gut barrier. 

FIRST AI-GENERATED DRUG ENTERS HUMAN CLINICAL TRIALS, TARGETING CHRONIC LUNG DISEASE PATIENTS

“You can think of Chemistry42 as a ChatGPT for new molecules,” said Zhavoronkov. 

“But instead of providing text commands and having an AI model generate a new essay or poem based on existing data, our platform draws from biological and chemical data to design an entirely new molecule using our instructions.”

Alex Zhavoronkov

“We knew there was a significant need in this space, and we wanted to find a new way to treat IBD that focused on healing and rebuilding the intestinal lining to lead to long-term improvement of the condition rather than just treating the symptoms,” Alex Zhavoronkov, PhD, founder and CEO of Insilico Medicine, told Fox News Digital. (Insilico Medicine)

“Our AI platform designed a number of possible molecules to meet our criteria, and ranked them, and our R&D team synthesized and tested a number of these before selecting ISM5411 as the most promising candidate,” said Zhavoronkov.

An oral medication, ISM5411, is described as “intestinal restrictive,” which means it only works on the gut without impacting other parts of the body, he noted.

“You can think of Chemistry42 as a ChatGPT for new molecules.”

“Very importantly, it promotes mucosal repair,” said Zhavoronkov. 

“In other words, we designed this drug to help restore the normal functioning of the gut.”

Previous research has shown that mucosal repair is effective in reducing hospitalization and improving long-term prognosis for IBD patients. 

Progress toward approval

Insilico’s IBD drug has officially begun trials in 76 healthy volunteers in Australia to evaluate its safety and tolerability in gradually increasing doses, Zhavoronkov said.

After completing the Phase 1a trial, Insilico plans to launch an international multi-center clinical trial in the U.S., China and other locations, with three treatment groups and one placebo group. 

Insilico Medicine lab

Insilico’s IBD drug has officially begun trials in 76 healthy volunteers in Australia to evaluate its safety and tolerability in gradually increasing doses.  (Insilico Medicine )

“Our clinical team is working hard to design and execute the clinical trials in order to develop it further so we can begin helping patients in need,” said Zhavoronkov.

“As we continue to advance this drug, we also look forward to connecting with companies with relevant experience and resources who are interested in co-developing this asset with our team.”

STUDENTS USE AI TECHNOLOGY TO FIND NEW BRAIN TUMOR THERAPY TARGETS — WITH A GOAL OF FIGHTING DISEASE FASTER

ISM5411 is one of more than 30 drugs that have been designed by Insilico’s AI platform, including many for cancer — as well as fibrosis, central nervous system diseases and COVID-19

“As these drugs move from research labs to clinical settings, the public needs to understand the potential and the limitations.”

The company’s lead drug, the first AI-discovered and AI-generated drug to reach Phase II trials with patients, is for the treatment of idiopathic pulmonary fibrosis, a progressive lung condition with an extremely poor prognosis.

Potential benefits and risks

Dr. Supriya Rao, a Massachusetts-based gastroenterologist, was not involved in Insilico’s drug development but offered her input on ISM5411.

“I think it’s very promising,” Rao told Fox News Digital. “Obviously, there will be hurdles to jump through, and data is very novel at this stage of development.”

Dr. Supriya Rao

Dr. Supriya Rao, a Massachusetts-based gastroenterologist, was not involved in Insilico’s drug development but offered her input on ISM5411. (Dr. Supriya Rao)

“Longer-term safety and efficacy would be concerns, but we’ve only just begun to embark on a journey of AI and health care,” she added.

All treatments have their pros and cons, Rao noted, particularly with “very individualized diseases” like IBD.

BE WELL: IMPROVE YOUR GUT HEALTH WITH 5 TOP TIPS FROM A NUTRITIONAL THERAPIST

“Could this speed up the recovery process and offer a more targeted treatment plan with minimal side effects? The possibility is exciting,” she said. “Our goal as health care professionals is always to achieve better patient outcomes.”

IBD

Inflammatory bowel disease (IBD) impacts 1.6 million people in the U.S., causing symptoms that include diarrhea, abdominal pain, fatigue, weight loss and rectal bleeding. (iStock)

AI expert and emergency medicine physician Dr. Harvey Castro from Dallas, Texas, who was also not involved in the development of ISM5411, noted that while promising, these types of AI-generated drugs can carry inherent risks. 

“The primary concern is the uncertainty surrounding their long-term effects, as AI-designed drugs are a relatively new medical frontier,” Castro told Fox News Digital. 

Dr. Harvey Castro

AI expert and emergency medicine physician Dr. Harvey Castro from Dallas, Texas, weighed in on the potential risks associated with AI-generated drugs.  (Dr. Harvey Castro)

“There’s also the challenge of ensuring that the AI algorithms are trained on comprehensive and unbiased data sets, as misinterpretations or gaps in data could lead to ineffective or harmful drugs.”

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Castro noted that existing regulatory frameworks may not adequately address the nuances of AI-driven drug development.

“Public awareness is key,” he said. 

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“As these drugs move from research labs to clinical settings, the public needs to understand the potential and the limitations,” Castro went on.

“Educating patients and health care providers about how AI-generated drugs are developed and their potential impact on treatment paradigms is vital.”

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Christina Hall refutes ‘highly offensive’ rumor she refuses to work with women

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HGTV star Christina Hall won’t flip or flop on her work ethic.

The “Christina on the Coast” television personality addressed online criticism after sharing a photo on social media featuring her husband, Josh, and a few colleagues.

Hall shut down internet chatter after rumors began swirling when a “former employer” told the interior decorator he heard she “refused to work with women.”

CHRISTINA HALL SAYS SON HUDSON WILL NO LONGER APPEAR ON SOCIAL MEDIA AMID CUSTODY BATTLE WITH EX ANT ANSTEAD

Christina Hall slammed critics over rumors she doesn’t work with women. (Michael Buckner)

“Impromptu work dinner with some of my favorites,” she wrote in an Instagram post shared Thursday. “Side note. Recently a coworker of mine told me a former employer told him I refused to work with women because I was some sort of ?? Not sure what the word is because I don’t identify with whatever it is… 

“I’ve always worked with females so that’s a load of s— and highly offensive.

CHRISTINA HALL REVEALS HER PARENTS WERE FORCED TO EVACUATE AMID DEADLY MAUI WILDFIRES: ‘GRATEFUL THEY ARE OK’

“My current ‘Christina on the Coast’ team is the most fun and on point it’s ever been and I see a lot of females here. So to those who love to throw stones that’s just your own internal struggle.”

Christina married Josh Hall in Maui in 2022, nearly five months after saying “I do.” 

Christina Hall walks red carpet at Barbie premiere with husband Josh

Christina and Josh Hall were married in 2022. (Axelle/Bauer-Griffin)

Christina and Joshua Hall sunset wedding

Christina and Joshua Hall celebrate marriage in Maui with a sunset wedding in September 2022. (Anna Kim Photography)

The couple confirmed to Fox News Digital in April 2022 they had married after he proposed in the fall of 2021

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Hall has one 4-year-old son, Hudson, with ex-husband Ant Anstead.

Tarek El Moussa and Christina Hall

Tarek and Christina found fame together hosting “Flip or Flop.” (Aaron Rapoport)

She shares her two older children with ex Tarek El Moussa. The former couple were married nearly nine years before calling it quits and divorcing in 2018. 

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Tarek remarried in October 2021 and welcomed a baby boy with wife and “Selling Sunset” star Heather Rae Young in 2023. 

Fox News AI Newsletter: America’s role in Ukraine’s unbelievable AI military development

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Welcome to Fox News’ Artificial Intelligence newsletter with the latest AI technology advancements.

IN TODAY’S NEWSLETTER:

– Experts highlight American role in Ukraine’s unbelievable AI military development
– Will AI ever outsmart humans? In some ways, it already has
– Baltimore union denies school principal went on ‘ungrateful Black kids’ rant, calls it an AI fraud

FORMIDABLE WARRIORS: Ukraine’s artificial intelligence (AI) development continues at a frightening pace beyond that of even tech giants in the U.S. and China as the war with Russia lurches toward a third year, but experts highlighted America’s critical role in helping that rapid advance.

VICTOR-AI SECRET: Victoria’s Secret & Co. and Google Cloud announced a multi-year partnership that will allow the popular retailer to use Google’s artificial intelligence technology to create a personalized shopping experience.

TECH THREATS: Concerns about AI interfering with the 2024 elections are well-founded, yet not unprecedented in recent history. In 1975, the Asilomar Conference on Recombinant DNA foreshadowed today’s AI concerns. 

ChatGPT can help job seekers with resumes

Generative AI tools can help job seekers make their resumes and applications more visual, as well as getting ideas for content.  (Photo by Jaap Arriens/NurPhoto via Getty Images)

AI RESUME HELP: The rise of generative artificial intelligence (AI) tools has nearly half of job seekers utilizing such tools to help improve their resumes according to a new survey from Canva.

ROBOT DOES DINNER: Have you ever wished you had a helper who could do anything you asked, such as cleaning, cooking, shopping, tutoring, or even guarding your house? Well, now you can, thanks to 1X, the Norwegian company that created EVE, the humanoid robot that can perform a range of tasks.

Eve the robot can cook, clean and guard your home

Eve the humanoid robot in the kitchen cooking (1X Technologies) (Kurt “CyberGuy” Knutsson)

COMING CLEAN: Businesses of all sizes are integrating artificial intelligence into their systems to varying degrees as more companies embrace the rapidly evolving technology.

NOT REAL: The New Hampshire Attorney General’s Office says it is investigating a robocall with a fake voice of President Biden urging voters there not to participate in Tuesday’s presidential primary and instead “save” their votes for November. 

Artificial Intelligence

Artificial intelligence (AI) is advancing rapidly, bringing unprecedented benefits to us, yet it also poses serious risks, such as chemical, biological, radiological and nuclear (CBRN) threat. (Cyberguy.com)

Subscribe now to get the Fox News Artificial Intelligence Newsletter in your inbox.

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With the push of a button this compact RV adds extra space with a simple twist

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What do you get when you combine the luxury of a yacht, the technology of “The Jetsons” and the functionality of an RV

Well, you get a futuristic traveling trailer known as the Romotow T8 that can transform into a spacious mobile camper with just the push of a button.

ROTATING RV 1

Rotating Romotow T8 RV. (Romotow)

A decade-long dream come true

The Romotow T8 RV is the brainchild of W2, a New Zealand-based architecture and design firm that has been working on this project for over a decade. 

The firm first unveiled the concept of the Romotow in 2012, but it took six years to build a working prototype and another five years to finalize the design and production. The result is a sleek and stylish trailer that looks right out of the future.

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ROTATING RV 2

Rotating Romotow T8 RV. (Romotow)

A rotating cabin that doubles the living space

The most striking feature of the Romotow T8 is its rotating cabin, which can swivel 90 degrees from its shell when parked. This creates an L-shaped floor plan that doubles the living space and reveals a covered composite teak-look deck flooring and paneling with a fold-out table or a bench. Inside the rounded front nose are removable canvas/mesh sidewalls to keep the bugs out.

rotating RV 3

Rotating Romotow T8 RV. (Romotow)

The rotation is controlled by an automated hydraulic system that makes the process smooth and easy. You don’t need any special skills or tools to operate the Romotow T8, just a hitch to tow it and a button to transform it.

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rotating RV 4

Rotating Romotow T8 RV. (Romotow)

MORE: THE BEST TRAVEL GEAR OF 2024  

A comfortable and luxurious home on wheels

The Romotow T8 is a comfortable and luxurious home on wheels, with a modern interior and a panoramic window. It is also quite large, measuring 29.5 feet long, as well as being 11 feet tall and 8 feet wide. The cabin has a fully equipped kitchenette and dining area.

rotating RV 5

Rotating Romotow T8 RV kitchen and dining area. (Romotow)

It has a bathroom with a standing shower, a toilet and a sink.

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rotating RV 6

Rotating Romotow T8 RV bathroom. (Romotow)

As for the bedroom, you can either opt for two single beds or a single king-sized bed.

rotating RV 7

Rotating Romotow T8 RV bedroom. (Romotow)

You can also add a lift-up double bed to the living room, which increases the sleeping capacity to six people. The cabin also has optional features such as upgraded appliances, wall-mounted TVs, an outdoor projector system and a multi-zone sound system. The Romotow T8 is powered by a 200-Ah lithium battery that is supplemented by 395-watt solar panels on the roof.

MORE: ELECTRIC AIR TAXI AS QUIET AS A DISHWASHER POISED TO CHANGE AIR TRAVEL 

A pricey investment

The Romotow T8 is not a cheap trailer, though. It costs approximately $268,500, which is more than some houses. But according to Romotow’s co-founder Matt Wilkie, the Romotow T8 is worth the investment. He says that the trailer is built to last for more than 50 years and that it’s the kind of thing that you can pass down to your children and grandchildren.

MORE: NO DRIVER, NO PROBLEM WITH THIS REVOLUTIONARY CAMPER 

How to order your own rotating RV

If you’re interested in owning a Romotow T8, you can place your order now on its website. You’ll need to pay a $6,300 non-refundable deposit to secure your spot in the production queue, which is expected to start in late 2024. The Romotow T8 is currently available in three colors: white, black and silver. You can also customize your trailer with different finishes and accessories to suit your preferences and needs.

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Kurt’s key takeaways

The Romotow T8 is definitely an RV that is going to turn heads because of its futuristic look. It absolutely challenges the conventional notions of what a mobile camper can be or look like. What’s great about it is that it offers a unique combination of luxury, technology and functionality that I think can appeal to anyone who loves traveling and exploring new places in this kind of travel trailer.

How do you feel about the Romotow T8 RV and its rotating cabin feature? Would you like to travel in one? Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips & security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter 

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Copyright 2024 CyberGuy.com. All rights reserved.



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How to protect yourself from the Venmo, Zelle and Cash App scam that can wipe out your savings in seconds

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paymen

Imagine walking down the sidewalk and being confronted at gunpoint by a crook.  

Open the payment app on your phone and transfer out your hard-earned cash, or take a bullet in the head. That’s one phone cash ripoff scenario of many playing out in real-life America. 

Other cash app crimes are happening due to the vulnerability of an unlocked iPhone without the new Stolen Device Protection turned on in iOS. These are examples of how mobile payment apps can put your money and your life at risk. 

Do you use mobile payment apps like Venmo, Zelle or Cash App to send and receive money? If so, you’re not alone. These peer-to-peer payment services now handle an estimated $1 trillion in payments. And with that much money involved, there are also now a lot of fraud and scams going on, according to Alvin Bragg, the Manhattan district attorney. He says these apps are exposing many people to scammers and thieves and are costing them a lot of their hard-earned cash.

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payment apps 1

Manhattan District Attorney Alvin Bragg (manhattanda.org)

In response, Bragg has written letters to the companies that own these apps, demanding they improve their security and protect their users from scams and thefts. His specific request is that they impose limits on transactions, require secondary verification of up to a day and better monitor unusual activity. He says he is requesting meetings with the companies to discuss these issues.

payment apps 2

Venmo, Cash App and Zelle apps  (Kurt “Cyberguy” Knutsson)

How an unlocked device can lead to financial disaster and personal harm

Bragg’s letters describe how these financial apps enable criminals to access unlocked devices and exploit them for financial gain and identity theft, saying,

“These crimes involve an unauthorized user gaining access to unlocked devices and then draining bank accounts of significant sums of money, making purchases with mobile financial applications, and using financial information from the applications to open new accounts.

“Offenders also take over the phone’s security by changing passwords, recovery accounts, and application settings. The ease with which offenders can collect five- and even six-figure windfalls in a matter of minutes is incentivizing a large number of individuals to commit these crimes, which are creating serious financial, and in some cases physical, harm to our residents.”

MANHATTAN DA ALVIN BRAGG CALLS FOR CASH APPS TO CRACK DOWN ON FRAUDSTERS

What are the mobile payment apps doing to prevent fraud?

The companies that own these apps have responded to Bragg’s comments and said that they are doing their best to provide a safe and reliable service to their customers. We reached out to all three companies. Here are their responses to us.

“PayPal and Venmo take the safety and security of our customers and their information very seriously. In addition to proactively leveraging sophisticated fraud detection tools, manual investigations, and partnering closely with law enforcement agencies to protect our customers against common scams, we have several options in place to enable enhanced layers of security and protection directly within our apps.” — PayPal and Venmo spokesperson

“Cash App continues to be committed to building trust with our customers and investing in areas that help build a safe and secure platform. We work proactively and diligently to safeguard our customer’s money and mitigate against the risk of fraud on our platform through a combination of preventative controls like multi-factor authentication, account transaction limits, fraud detection, and consumer education. We also partner with law enforcement agencies to detect and combat criminal activity.” — Cash App spokesperson

“We are aware of isolated criminal incidents described in the Manhattan District Attorney’s letter. Providing a safe and reliable service to consumers is the top priority of Early Warning Services, LLC, the network operator of Zelle®, and our 2,100 participating banks and credit unions.  As a result of our continued efforts to build on Zelle’s strong foundation of security, less than one tenth of one percent of transactions are reported as fraud or scams, and that percentage keeps getting smaller. Our efforts include implementing industry-leading fraud and scam prevention measures for consumers like in-app safety notifications, and send limits and restrictions.” — Spokesperson for Early Warning Services, LLC, the network operator of Zelle 

What’s the problem with mobile payment apps?

Bragg says that he is seeing a lot of cases where people have lost money or had their personal information stolen by using these apps. He said that this is happening because of the way these apps work on your phone or tablet. Here are three ways that crooks can cheat you or steal from you using these apps.

1) Phishing: This is when someone pretends to be someone else and sends you a message or email asking you to send money or give them your account details. For example, you might get a message from someone who says they are your friend, family member or a charity and they need your help urgently. Or you might get an email from someone who says they are your bank, the IRS or a mobile payment app and they need you to verify your account or update your information.

2) Spoofing: This is when someone creates a fake profile or account that looks like a real one and tries to fool you into sending money or accepting a payment. For example, you might get a payment request from someone who says they are selling something online, but their name, photo, or username is slightly different from the real seller. Or you might get a payment from someone who says they are a buyer, but they are actually using a fake check or a stolen credit card.

3) Device theft: This is when someone takes your phone or tablet and uses your mobile payment apps to take your money or make purchases without your permission. For example, someone might grab your phone while you are using it in public, or break into your car or home and take your device. Or someone might ask to use your phone for a legitimate reason, but then use it to access your mobile payment apps behind your back.

payment apps 3

Woman on iPhone. (Kurt “Cyberguy” Knutsson)

MORE: STOLEN DEVICE PROTECTION IN LATEST IOS 17.3 UPDATE PROTECTS YOUR IPHONE EVEN MORE FROM CROOKS — THIS THIS ON ASAP

How can you protect yourself from mobile payment fraud?

Mobile payment apps have some security features to help protect you, but they are not enough, and you should not rely on them alone. You should also do these 10 things.

1) You should always access the payment app from the official app or website, and not from any third-party platforms or services.

2) Look at the security settings that the payment app offers and make sure they’re all set to the highest and most protective settings.

3) You should create a strong, unique, and complex password for each of your mobile payment apps and change it often. Consider using a password manager to generate and store complex passwords.

4) Enable two-factor authentication, which means that you need to enter a code or use your fingerprint or face to unlock your account to prevent unauthorized access. This way, even if someone knows your password, they can’t log in without your device or confirmation.

5) Lock your device and log out of your apps. You should always lock your phone with a password, PIN, pattern, fingerprint or face. Never share your password, PIN or security code with anyone. You should also log out of your mobile payment apps after each use and turn off the auto-login feature. This way, even if someone takes or borrows your device, they can’t access your mobile payment apps without your approval.

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6) Verify the identity and legitimacy of the sender or receiver. You should always check the name, photo, username and contact information of the person or organization you are sending money to or receiving money from before accepting or sending any payment requests. You should also confirm the reason and amount of the transaction before you agree to it. If you are not sure or have any doubts, you should contact the person or organization directly through another way, such as a phone call, text message or email, but only if you know for sure that those forms of communication are legitimate. You should never send money or give your account details to anyone you don’t know or trust, or anyone who asks you to do so out of the blue.

7) Link your Venmo, Cash App and PayPal account to a credit card as opposed to a debit card, so you can dispute a charge from scammers more easily. Zelle does not allow credit card payments. However, keep in mind that linking a credit card to your payment app can provide additional protection in the event of fraud, but this can come with extra costs in terms of transaction fees. 

8) Try not to keep a balance in your money-transferring apps. You have a much better chance of being helped by your bank or credit card company when it comes to fraud than you do from a money-transferring app.

9) Never click on links from unknown sources, especially when an email or text appears to have come from the payment App. Protect yourself from accidentally clicking malicious links by running antivirus software on your device. Get my picks for best antivirus software here.

10) Monitor your account activity and report any suspicious or unauthorized transactions. You should set up notifications from your payment app and your bank via text or email, and check your account activity regularly. Look for any signs of fraud, such as payments you didn’t make or receive, or changes to your account settings or information.

MORE: WATCH OUT FOR THIS ZELLE IMPOSTER SCAM ON FACEBOOK MARKETPLACE 

What to do if you believe you have been scammed on Zelle, Cash App or Venmo

1) If you notice any suspicious or unauthorized transactions, report them to the payment app as soon as possible. You can contact their customer support team or use the report feature on the app or website to report any scams, phishing attempts or unauthorized transactions. You can also block or unfriend any users who are involved in scams. 

2) Second, if you used your bank account or credit card to fund the transaction, contact your bank or credit card issuer to report the fraud and dispute the charge.

3) The third step is to change your password immediately to prevent further unauthorized transactions. Consider using a password manager to generate and store complex passwords.

4) Also, if you believe you have been scammed, you can file a complaint with the Federal Trade Commission (FTC) to report the fraudulent activity.

5) If you feel your personal data has been stolen, and you want a service that will walk you through every step of the reporting and recovery process, one of the best things you can do to protect yourself from this type of fraud is to subscribe to an identity theft protection company.  

This service will monitor personal information like your home title, Social Security Number (SSN), phone number and email address and alert you if it is being sold on the dark web or being used to open an account. It can also assist you in freezing your bank and credit card accounts to prevent further unauthorized use by criminals.

One of the best parts of using some services is that they might include identity theft insurance of up to $1 million to cover losses and legal fees and a white glove fraud resolution team where a U.S.-based case manager helps you recover any losses. Get my review of best identity theft protection software here.

6) Lastly, always report the scammer. If you have any information about the scammer, such as their name, phone number or email address, report it to the app company and the authorities.

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Kurt’s key takeaways

Mobile payment apps are convenient and useful, but they also come with some risks that you are now aware of. By following these tips, you can protect yourself from mobile payment fraud and enjoy the benefits of these apps safely and securely.

Do you think these payment apps are doing enough to protect you from scammers?  Let us know by writing us at Cyberguy.com/Contact

For more of my tech tips & security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter

Ask Kurt a question or let us know what stories you’d like us to cover.

Answers to the most-asked CyberGuy questions:

Copyright 2024 CyberGuy.com. All rights reserved.



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Why some seniors should sign ‘driving contracts’ and agree to hang up their car keys

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Some aging drivers are signing contracts to help determine when their time behind the wheel should come to an end. 

These “advance directives” are to help protect drivers’ safety and facilitate what can often be tough decisions for families.

Lewis Morgenstern, 61, a professor of neurology, neurosurgery and emergency medicine at the University of Michigan, plans to sign such an agreement when he turns 65, as reported by KFF Health News.

WHEN SHOULD OLDER DRIVERS HAVE TO STOP DRIVING?

Morgenstern will stop driving whenever his children decide it’s time, according to the directive.

“I recognize that I might not be able to make the best decision about driving at a certain point, and I want to make it clear that I trust my children to take over that responsibility,” Morgenstern told KFF Health News. 

Nearly 50 million people 65 years of age and older had driver’s licenses as of 2021, a 38% uptick from 2012, according to the American Automobile Association via KFF Health News. (iStock)

Morgenstern was also the co-author of a study published in the Journal of the American Geriatrics Society in Nov. 2023. It measured the driving behaviors of 635 individuals with cognitive impairment.

“I recognize that I might not be able to make the best decision about driving at a certain point.”

Researchers from the University of Michigan found that 61% of older adults with cognitive impairment were still operating a vehicle — even though 36% of their caregivers were concerned about their driving ability.

“There is undoubtedly a group of people who are driving and shouldn’t be because they’re a risk to themselves and to others,” Morgenstern said.

Risks associated with senior driving

Data shows that risks are on the rise. As of 2021, nearly 50 million people age 65 and older had driver’s licenses, a 38% uptick from 2012, according to the American Automobile Association.

Almost 19 million of those drivers were 75 or older. 

Elderly woman holding keys

Some aging adults are signing contracts related to when they will give up their car keys, KFF Health News reported. (iStock)

Between 2012 and 2021, motor vehicle deaths involving drivers age 65 and older increased by 34%. The number of seniors injured in vehicle crashes that year exceeded 266,000 in 2021, KFF Health News reported.

Some of the biggest risks exist among older drivers who develop medical conditions that interfere with their driving ability, including dementia, Parkinson’s disease, glaucoma and arthritis.

ONE IN SIX TEENS ADMITS TO DROWSY DRIVING, SURVEY FINDS: IT’S ‘IMPAIRED DRIVING, UNEQUIVOCALLY’

“Among the bigger safety concerns are fender benders that they do not remember,” Tina Paff, president of Bick’s Driving School of Western Hills in Ohio, told Fox News Digital.

“Sure, it could be a mailbox or a pole, but sometimes it is a car or a pedestrian.”

Driving at night can also be dangerous, she noted, as the visual processing speed in older drivers is decreased. 

Man with wrecked car

Older adults have a higher risk of injury in the event they’re involved in an accident, according to experts. (iStock)

Getting lost while driving is another common occurrence among senior drivers, said Paff, who heads up the Bick’s Driver Rehabilitation Program. It evaluates older adults’ driving skills to determine whether or not those drivers should “retire” from operating vehicles.

Nigel Tunnacliffe, co-founder and CEO of Coastline Academy, a national driving school headquartered in California, pointed out some of the biggest dangers associated with older drivers.

11 WINTER CAR ESSENTIALS YOU CAN FIND ON AMAZON THAT MAY SAVE YOUR LIFE

Those include hearing loss, difficulty taking in their full surroundings, greater risk of injury in the event of an accident, the use of older car models, and a lack of experience behind the wheel, which is often a factor when an older adult loses a spouse and is suddenly the sole driver, he noted.

‘No single, universal age’

There is “no single, universal age” at which people should stop driving, Tunnacliffe told Fox News Digital.

“It’s often not something that we can tell in advance. We cannot say with certainty that, for example, as soon as someone hits the age of 75, they should automatically and voluntarily step away from driving.”

He added, “It’s perfectly plausible — and common — that they will remain competent and effective drivers at that age.”

Handing over keys

A driving expert suggests families make driving decisions based on an “actual, objective evaluation” of how an individual is faring behind the wheel.  (iStock)

While Tunnacliffe acknowledged that age-related effects like vision loss, hearing loss and decreased mobility can make driving more dangerous, not everyone experiences these limitations at the same age, if at all. 

Rather than setting an arbitrary date beforehand, Tunnacliffe recommends that families make the decision based on an “actual, objective evaluation” of how the individual is faring behind the wheel. 

“We cannot say with certainty that as soon as someone hits the age of 75, they should automatically and voluntarily step away from driving.”

“For instance, having older adults take refresher courses can not only help make the decision of when to stop driving clearer, but it can also improve their driving skills more generally, and the assessments from those lessons can be shared with family members to help make the end-of-driving decision,” he told Fox News Digital. 

Types of driving contracts

There are various types of advance driving directives.

“One asks a person to name a family member or friend who will talk to them about whether it’s safe to continue driving,” noted KFF Health News. 

This type is not legally binding.

CHILD CAR SEAT SAFETY: EXPERT SHARES DOS AND DON’TS TO PROTECT KIDS FROM ACCIDENT INJURIES

With another type of contract, family members agree to help the person continue driving in a safe way or help the individual find an alternate means of transportation.

The Alzheimer’s Association has published a non-binding directive that encourages people with dementia to designate someone to flag any driving-related concerns as the disease progresses.

Part of the agreement states the following: “I understand that I may forget that I cannot drive anymore and may try to continue driving. If this happens, please know that I support all actions taken, including removing or disabling my car, to help ensure my safety and the safety of others.”

Old man driving

Age-related effects like vision loss, hearing loss and decreased mobility can make driving more dangerous, one expert told Fox News Digital. (iStock)

Paff said she thinks advance directives are “a great idea,” although she has some concerns that people with memory disorders won’t remember signing it.

“It would provide proof, however, for the families dealing with a disgruntled adult driver,” she said.

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These types of contracts could prove helpful if the driver was of sound mind when signing it, said Paff — but warned that in some cases, the memory-impaired parent may think it was “made up” or that “everyone is against me.” These are objections that she commonly hears, she said.

“There is undoubtedly a group of people who are driving and shouldn’t be because they’re a risk to themselves and to others.”

To minimize conflict and uncertainty, Paff recommends getting a formal evaluation from a third-party driver rehabilitation specialist to “take the family out of the mix.”

Tunnacliffe also recommends enrolling senior drivers in annual driving lessons, as well as having open and honest conversations about their cognitive and physical abilities.

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“The contract model does not challenge misleading assumptions and biases against older drivers, and it is important that we adopt a more realistic approach that respects both their safety and their autonomy,” he said.

For more Health articles, visit www.foxnews.com/health.

DashHound Unveils Innovative Digital Marketing Solutions to Propel Business Growth

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DashHound, a top-tier digital marketing agency, has launched its suite of innovative digital marketing solutions aimed at helping businesses achieve unparalleled growth in the competitive digital landscape.

Rock Hill, South Carolina, January 26, 2024, In the ever-evolving digital marketplace, DashHound takes the lead by introducing a range of cutting-edge digital marketing solutions designed to transform how businesses engage with their target audience and achieve exceptional results.

DashHound has committed substantial resources to research and develop reliable marketing insights data that is adaptive and programmatic. Through its Marketing Insights pixel and advanced LocalAds promotional product, agencies can provide intuitive decision-making power to their clients in real-time.

Leveraging advanced analytics and artificial intelligence, DashHound’s digital marketing solutions empower businesses with profound insights into their target audience’s behaviors and preferences. This invaluable data enables businesses to craft highly targeted and personalized marketing campaigns that resonate deeply with their audience, ultimately driving higher engagement and conversion rates.

DashHound’s innovative solutions span a wide spectrum of digital marketing channels, encompassing paid advertising, social media marketing, content marketing, and SEO (search engine optimization). This holistic approach ensures that businesses can effectively harness the full array of digital marketing strategies to achieve their objectives.

DashHound’s commitment to innovation extends beyond technology, encompassing a steadfast dedication to sustainability and ethical practices. The agency ensures full compliance with GDPR standards, giving agencies peace of mind as they become more familiar with customer data and behavior. Businesses can confidently utilize Marketing Insights, knowing that their customer data is handled securely and in accordance with the strictest privacy regulations.

Furthermore, DashHound is unwavering in its commitment to providing exceptional customer support and guidance. The platform places particular emphasis on digital marketing strategies that demand ongoing monitoring, optimization, and adaptation.

In an era where businesses increasingly recognize the pivotal role of digital marketing, DashHound emerges as a true game-changer. With its focus on data-driven strategies, sustainability, and comprehensive services, DashHound is poised to lead the way in redefining the future of digital marketing.

About DashHound:

DashHound, a Comporium technology, goes beyond traditional reporting systems by providing programmatic software that consolidates marketing data and generates user-friendly business insights. With products like LocalAds, Marketing Insights, and the DashHound GPT, DashHound drives quality customer acquisition and recommends effective customer communication strategies.

To learn more, visit:  www.dashhound.com

Media Contact:

DashHound
Attn: Media Relations
Rock Hill, SC
+1 803-326-2600
fetch@dashhound.com

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DashHound Unveils Innovative Digital Marketing Solutions to Propel Business Growth 54

DashHound Leads Digital Transformation with Innovative Marketing Solutions

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DashHound stands out as a beacon of innovation, dedicated to fostering digital fluency through its Marketing Insights pixel and LocalAds solutions. In an era where businesses increasingly recognize the pivotal role of digital marketing, DashHound emerges as a true game-changer.

Rock Hill, South Carolina, January 26, 2024, In the fast-paced pulse of today’s digital world, its focus on data-driven strategies, sustainability, and comprehensive services, DashHound is poised to lead the way in redefining the future of digital marketing.

Recognized as a tech industry leader, DashHound’s commitment to digital advancement is evident in their latest innovation. This dedication goes beyond business functions, aiming to enhance productivity, streamline workflows, and foster collaboration. Digital adaptation is now a necessity for the competitiveness and growth of businesses.

Understanding this vital need, DashHound provides a robust platform designed for both tech enthusiasts and newcomers. Its intuitive interface gives users access to data they simply can’t find anywhere else.

In a landscape where many strive to meet digital demands, DashHound distinguishes itself by marrying data-driven insights with a personal and fun approach. As “Dash” fetches data from over 50,000 data points, the agency user can watch in real-time as data is stacked and optimized for the best performance.

The AI powered technology is groundbreaking in providing agencies the ability to give transparency and accuracy to their client’s web traffic, behaviors, and campaign metrics. Agency principals will experience immediate time-saving values by leveraging the power of DashHound technology.

Fusing Marketing Insights personal data from engaged visitors with inferred demographics, psychographic, and firmagraphic data defines the audience type and brings customers even closer to engaging their desired customers with the right message at the right time.

About DashHound:

DashHound, a Comporium Technology, is a luminary in the tech landscape. With a focus on innovation, exceptional user experience, and fortified data security, DashHound delivers pioneering solutions tailored for the modern digital era. As businesses globally navigate a digitized world, DashHound stands as an indispensable ally, championing innovation and empowerment at every turn.

To learn more, visit:  www.dashhound.com

Media Contact:

DashHound
Attn: Media Relations
Rock Hill, SC
+1 803-326-2600
fetch@dashhound.com

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DashHound Leads Digital Transformation with Innovative Marketing Solutions 58

Jesse Watters: Every great nation had great walls

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Jesse Watters argues the Biden administration is failing at protecting American citizens from a border invasion Friday on “Jesse Watters Primetime.”

BORDER PATROL CHIEF SAYS DHS DOESN’T HAVE OPERATIONAL CONTROL OF US BORDER

JESSE WATTERS: Every great nation has had this in common: great walls. The Athenians had the most beautiful metropolis in the world. It was an open target to foreign navies, though since Athens was perched on the coast, it was a wall that made the city impenetrable during their war with Sparta. 

The Byzantines fortified their city with walls that towered over 40ft tall. For over a millennium, it prevented enemy armies from penetrating the most famous wall, the Great Wall of China. For decades, American politicians have traveled to China and marveled at its 13,000-mile-long barrier. 

Aug 4, 2023: Sen. Tim Scott visits the border wall in Yuma, Arizona. (Tim Scott for President)

Since America’s founding, both parties have protected our border. It is common sense. Everyone inside of America, Republican or Democrat, requires protection. 

Since Democrats believe no great nations control their borders, they must not want America to be great. They’re literally running against a man whose motto is Make America Great Again. So, in opposition, 8 million illegals pour into the country in just three years. 

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Ellis Island processed 12 million immigrants in 60 years. That’s 200,000 a year. Biden is importing 300,000 a month. If Biden gets re-elected, his presidency will have opened the doors to more foreigners than Ellis Island.

State Department will sell F15 fighter jets to Turkey

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The State Department on Friday approved the sale of dozens of new fighter jets to both Turkey and Greece.

According to the Defense Security Cooperation Agency, the State Department has agreed to sell 40 new F16 jets to Turkey. 

The agency has also agreed to sell Turkey’s neighbor, Greece, 40 F-35 Joint Strike Fighter aircraft.

Congress was notified of the sale today, the Defense Security Cooperation Agency.

TURKEY APPROVES SWEDEN’S NATO MEMBERSHIP BID

A U.S. Air Force F-16 figher jet is seen flying (Go Bum-jun/Newsis via AP, File)

Turkey will also make upgrades to 79 of its existing fleet.

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The cost for Turkey is estimated to be valued at up to $23B, the agency said.

Greece’s purchase is valued at up to $8.6B.