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email betfred AI technology is evolving at a rapid pace. This unique new technology has helped coders, businesses, mapping technologies, financial planners and, unfortunately, scammers. A recent report from Bolster.ai states there has been a 94 per cent increase in AI based scams, with a projected loss of more than $10.5 trillion by 2025. If you’ve been anywhere on Facebook marketplace in the last little while you may have noticed a frequent rise in complaints about purchases leading to fake addresses, non-delivered items or even entirely fake pages. This rise in scammers is mostly due to the availability and the advancement of AI. With a couple prompts and some patience a person can make dozens of fake accounts with photos, frequent posts and even post interactions with other AI accounts owned by the scammer. Outside of Facebook Marketplace, these scammers can use fake accounts to send phishing links. These are malicious links that when clicked on can track your online and personal information with data mining software. These links can be sent over Facebook or even to your personal email if listed. Make sure to never click on a link unless it is posted or sent by someone you have met outside the internet. Here are some things to keep in mind when it comes to browsing marketplace safely: If you have trouble identifying AI-generated photos or text, there are websites that can identify them for you. These include but aren’t limited to sightengine, Is It AI?, Quillbot and GPTzero. AI isn’t just used by Facebook scammers. There is a world of scams that use AI tools to catch you off guard. One new scam stems from AI voice calls. Have you ever gotten a call in which the other end was completely silent and then quickly hung up? These calls are the first step in tricking you into giving away your hard-earned cash to scammers. These calls are looking to get one thing from you: Your speech and voice patterns. In most cases, these calls are not made by humans. They are mostly bot calls where the only thing on the other end is a recorder that will feed your voice into an AI system. Reports say that it only takes around 30 seconds of decent audio to replicate someone’s voice. After this system gets enough information it will call your relatives and friends seeking more personal information or requesting money. A common method to obtain this money is by applying pressure to the possible victim. This can come in the form of an AI voice requesting money for bail, money to pay back angry debtors, money for a lawyer, and even money for a ransom for themselves or another loved one. This because stress and pressure tactics can stop a person from stepping back and more closely examining the situation or checking with other loved ones to confirm. Scammers have even been known to use AI voicing to urge victims to not tell other family members about the fake incident out of embarrassment or due to legal issues. So how do you avoid these scams? First and foremost, it’s always a good idea to double-check. If you do get a call saying a family member is in jail and needs money, just hang up and call back or call another family member to confirm. Sometimes that’s all it takes to avoid someone taking advantage of you. Another good way to avoid these scams is to avoid picking up calls from unknown numbers. If you do end up taking a call from a suspicious source wait a while, if there is no reply followed by a dropped call, its likely you just avoided a possible scam. Scammers can get your number from a lot of sources for example, if your number is publicly listed, if you click on a phishing link, or if you use torrenting and pirating sites, these can all be used to get a hold of your personal phone number. Other ways to avoid falling victim to these calls or other similar scams include: Avoid giving or posting any unnecessary personal details over the phone or social media. (names of friends, events you are attending, place of business, etc) However, the most important advice to take away for these new scams, comes from an old, time-tested phrase: If it seems too good to be true, it usually is.Ange Postecoglou’s wife was not happy with tense Tottenham fan showdown after defeat

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Novo Nordisk, Super Micro Computer And Arm Are Among Top Large Cap Losers Last Week (December 16-20): Are The Others In Your Portfolio?Boopie Miller scored 24 points and Yohan Traore added 20 points and 11 rebounds as SMU was at its best after halftime in a 98-82 win over Longwood on Sunday afternoon in Dallas. The Mustangs (11-2) have won seven straight games but this one was not without a serious scare from Longwood. SMU led by just a bucket after a seesaw first half but took charge with a 15-3 run to open the second. Javascript is required for you to be able to read premium content. Please enable it in your browser settings. As property values continue to outpace inflation, property taxes are taking a bigger bite out of homeowners’ wallets. A new analysis from Construction Coverage breaks down property tax rates by state, county, and city to reveal where homeowners have the greatest burden. Click for more. Where Are U.S. Property Taxes Highest and Lowest? A State, County, and City AnalysisAs the baton of wealth is inherited by younger generations, the heirs of wealthy families are taking a more active role in the impact they seek to create in the world by using the traditionally monolithic family office for more innovative, value-based investments. The great wealth transfer is in full swing as over $100 trillion is projected to be passed down from the older generations to their heirs through 2048 in the United States, according to a December report by research and consulting firm Cerulli Associates. > 24/7 San Diego news stream: Watch NBC 7 free wherever you are "There's a big intergenerational wealth transfer, but the preferences of the baby boomers are starkly different from the preferences of ... millennials," Nirbhay Handa, CEO of global migration platform Multipolitan, told CNBC Make It . "Now you have this younger generation which really believes that profit and progress should go hand in hand," Handa said. Millennials (ages 27 to 42) and Generation X (ages 43 to 58) stand to be the biggest beneficiaries of the wealth transfer, and are expected to inherit about $85 trillion between 2024 to 2048, according to the report. Generation Z and younger generations (ages 27 and younger) are expected to inherit over $15 trillion. Money Report Stock futures inch higher as the market heads into holiday-shortened week: Live updates Amtrak temporarily suspends Northeast Corridor service days before holiday Notably, the majority of wealth transfer will come from high-net-worth (HNW) and ultra-high-net-worth (UNHW) families, who together make up around 2% of all households, according to the report. These families are expected to contribute to over 50% of the transfers, or about $62 trillion. Compared to the baby boomers and older generations, "[younger generations] are less motivated by money, if I generalize, and much more [motivated by] contributing to society," said Martin Roll, an INSEAD Distinguished Fellow and family business and family office expert for McKinsey and Company. "They look out the front window [and ask]: 'What's ahead here? What are the big questions of our time?'" Gen X and millennials are concerned with societal impact — topics like climate change, diversity, health and wellness and hedging against geopolitical conflict are top of mind, said Handa. "I think sustainability and the whole ESG narrative is extremely robust [among younger generations]," the Multipolitan CEO added. "So they may not be interested in investing in fossil fuels or oil and gas, but they're very interested in investing in a company like Oatly ... or Beyond Meat," said Handa. This shift in investing attitudes by younger generations came out of necessity, said Handa. "People are seeing wars, [they're] seeing the impact of climate change... there's a lack of drinking water in many parts of the world," he explained. "As a result of that, this generation has become more resolute on focusing on things which are aligned with their personal values." "The challenges are real ... yes, we talked about cliamate in the 60s and 70s, you'll find them in the American newspapers then, but it was just a little more abstract. Now, it's real. Storms are coming, flooding is happening, hurricanes are more often... it's proof [and] they see it," said Roll. Another major shift can be seen in how some family offices are run. "The whole idea of family offices is less rigid than it used to be... Family Offices have become centers of innovation," said Handa. Having grown up in the age of digitization, the younger generations of wealthy families are investing more into technology and startups. They seek to discover and invest in technologies that can be a "lever for impact," said Roll. "For example, investing in climate tech, edtech, food treatment, water treatment, natural resources, renewable energy." In addition, younger generations are more active in how they invest through their family offices. "30 years ago, family offices were primarily the equity stakes from the company that the family owns through the family office, and would be tied up in real estate, some broader public equities and [overall, it would be a] passive portfolio," said Roll. Today, however, family offices are increasingly making direct investments into private companies, which is not traditional, Roll added. "The parents used to be what I call monolithic — they ran one business, but the younger people coming in may not be interested in chemicals, which is the main business, therefore they start to diversify [through] the family office," said Roll. Although it is true that wealth has always changed hands, the significance of the Great Wealth Transfer of our generation can be explained by looking back at the third wave of the industrial revolution. "It was really that industrialization of particularly, the Western world, that took place in the 50s and 60s, ultimately, with the rise of America after World War Two, and Europe — a lot of wealth was created," said Roll. Out of this post-war "boom," there were about 40 years of "outstanding economic activity," which led to the creation of new industries, big businesses and ultimately, the rise of the middle class in the U.S. and Europe, said Roll. "Therefore, jobs were created ... Everyone got a car, people got a house ... so you got a lot of major shifts that enabled that kind of wealth creation," Roll told CNBC Make It. It was this senior generation that really built "the world and the wealth after World War Two," and "that wealth, including business stakes, is now getting passed on to Gen X, but also to, of course, younger people," said Roll. Overall, as trillions of dollars change hands, what does this mean for the world? "This massive shift in money means the way things were done in the past is not necessarily how things will be done in the future," said Handa. "This era is about vitality and vibrancy and engagement. It's about democratization, it's about aspiration, it's about accessibility," Handa said. "Investment preferences are changing and legacy institutions need to adapt to the new world." Ultimately, as the younger generations inherit the wealth, Roll said: "I think you will see the money [doing] good work. It will be reinvested in the economy ... in technology, and I think in some of the big challenges of our time: climate, gender issues, minorities, villages, poor people and basic [education]." Want to make extra money outside of your day job? Sign up for CNBC's online course How to Earn Passive Income Online to learn about common passive income streams, tips to get started and real-life success stories. Plus, sign up for CNBC Make It's newsletter to get tips and tricks for success at work, with money and in life. Also on CNBC How to prioritize who to tip during the holidays, according to etiquette experts I spent $34,563.38 to travel the world for 18 months: My budget breakdown I’m a CFP—here are the top 4 tips I give my friends on how to avoid overspending