First, the bad news.

SAP business AI won't help you generate cubist versions of your family's holiday photos.

But it will help you understand which supplier is best to help you roll out your plant-based packaging in Southeast Asia.

Identify the training your junior project manager needs to rise up the ranks, and automate

repetitive tasks while you focus on big innovations.

So you can be ready for the next opportunity, revolutionary technology,

real world results, that's SAP business AI. It's my pleasure to welcome you here in the Clark Howard show. You know, our mission is to serve you with advice and information that empowers you to make better financial decisions

in your life.

And I gave a warning, it must be like 8, 10 months ago about at first was just something people in

tech security we're talking about and now has become a widespread problem that is a vulnerability you need to be aware of. a Also, the big cell phone companies have now made it prohibitively expensive.

What a ripoff for you to use your phone when you

should handle this, the latest advice at least for now

and how you should handle this

because your goal in life should not be to make the stockholders of Verizon AT&T or Deutsche Telecom that owns T-Mobile to make those three companies richer than they already are.

It's your money, I want it in your pocket, not in theirs.

So let's talk danger. This is real danger that is something that you're like you give me

something else I have to be worried about. I'm, I've got to.

Criminals without too much sophistication have figured out how to borrow themselves into your life and steal money from you or be able to load viruses

on your cell phone that could unlock the keys to the kingdom of really doing ugly identity theft

or theft of funds or takeover of accounts you have.

And it's something so innocuous that you just won't believe it.

But the simple QR code, the bullseye kind of codes that are popping up all over the place have become

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