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How to choose an Apple Watch

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How to choose an Apple Watch

Editor’s note: Due to a patent dispute with medical device maker Masimo, new Apple Watch Series 9, 10, and Ultra 2 units sold in the US no longer have the blood oxygen feature. Older models are unaffected. You can tell if you have a unit with the blood oxygen feature disabled if the part number ends in LW/A.

It used to be easy to pick an Apple Watch. All you had to do was choose whether you wanted the larger model or the smaller one. Then Apple added optional cellular connectivity. Then, a more affordable Watch SE (now in its second generation) and, in 2022, the rugged Apple Watch Ultra (also now in its second generation). Suddenly, there are lots of options.

Now that Apple has released the Series 10, perfectly good older versions of the Apple Watch are getting discounted as retailers try to empty their inventory. You may also see more refurbished versions of these older models pop up. If you’re interested in more premium materials, like stainless steel, this is a great way to get a fancier version of last year’s watch. You won’t be missing out on too much, either. The past few years have seen iterative updates in terms of hardware — and the bulk of new features come from software updates. With that said, keep in mind that the latest version of watchOS, watchOS 11, doesn’t support the Series 4, 5, and first-gen SE.

Buying refurbished is one way that you may be able to upgrade from an older model without giving up blood oxygen. Due to a patent battle with Masimo, new Series 9 and Ultra 2 models sold in the US after January 18th, 2024, no longer have this feature. This is not a big deal for most people, but if that feature is important to you, older watches and Series 9 and Ultra 2 units sold by Apple before January 18th still had the feature. (As do watches overseas. The ban only impacts US units.)

What about the new Series 10? In a nutshell, it’s got a bigger screen, it’s about 10 percent thinner, and it’s lighter than previous models. It’s also got a new FDA-cleared sleep apnea detection feature. There are a ton of new colors and finishes, with titanium replacing stainless steel. All in all, it’s an iterative update but one we find meaningful in terms of readability and wearability.

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So much choice can lead to analysis paralysis. But don’t worry. I’ve tested every single version of the Apple Watch you can buy right now — in addition to basically every other fitness watch and smartwatch on the market — and can steer you in the right direction.

Should you get an Apple Watch?

The Apple Watch Ultra was introduced in 2022 as the new rugged kid on the block.

The Apple Watch is the best overall smartwatch for iPhone users. Many smartwatches are better than the Apple Watch for hardcore athletes, even with the Ultra models in the mix. But other watches fall short when it comes to productivity, safety features, controlling your smart home, and interacting with other Apple devices and services. And the Apple Watch has the most robust third-party app ecosystem of any smartwatch on the market. 

By their nature, wearables are incredibly personal devices — and you won’t get the benefits of an Apple Watch if you don’t wear it regularly. The last thing you want is to spend hundreds of dollars on a thing that ends up collecting dust in a drawer. The best way to avoid this is to stack the deck in your favor and prioritize comfort. Before you try to start mulling over which Apple Watch model you should get, take a second to figure out which size and strap material will best fit your wrist. 

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The SE and Series watches come in two sizes each. The SE comes in 40mm and 44mm, while the Series 7, 8, and 9 are 41mm and 45mm. The new Series 10 ups the size again to 42mm and 46mm. The larger models are better for readability, while the smaller ones are more comfortable for those with petite wrists. Both the SE and the Series watches have aluminum cases, but the Series 10 now comes in titanium, too. (Older models come in stainless steel.) Most people will be fine with aluminum, but if you’re clumsy or very active, you’ll benefit from the extra durability offered by stainless steel or titanium. You might also just like the look better — and that’s valid since watches are a personal piece of tech. Just be prepared to pay a few hundred bucks more for that.

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Polished titanium replaces stainless steel with the new Series 10. It’s quite fetching.

As for straps, we recommend the nylon sport loop, as it’s the most breathable option, has the easiest clasp, and is less irritating than the silicone options, which is great for sensitive skin. If you want more fashionable options, we recommend checking out Amazon or Etsy for a wider variety of styles and more affordable pricing. 

You’ll want to check third parties for leather accessories, too. With the Series 9, Apple announced it will no longer make leather accessories in a bid to achieve carbon neutrality. Apple does have a suede-like FineWoven alternative, but it’s expensive, and in my experience, the material is extremely polarizing. Most Verge staffers agree it works better on the watch than on the phone case, but save yourself some grief and feel it out for yourself at an Apple Store before buying.

The Ultra and Ultra 2 both come in one size — 49mm — and with titanium cases. They come with their own special straps, too: the trail loop, alpine loop, and ocean loop. As their names suggest, they’re geared toward runners, hikers, and divers, but you can pick whichever one suits your fancy. We recommend the Trail Loop, as it’s the lightest and most versatile of the three. All the Ultra straps work with any 44mm or 45mm Series watch, and the Ultra is compatible with any 44mm or 45mm Apple Watch strap.

And while the Apple Watch is the best smartwatch you can get as an iPhone user, you can also always check out our fitness tracker buying guide.

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Apple Watch Series, SE, or Ultra?

The Apple Watch Series 10 has a larger, wide-angle OLED display with up to 30 percent more screen area. It’s also thinner and lighter than its predecessors.

This year’s Series 10 is a more modest update. It primarily focuses on making the watches more comfortable while adding a larger, wide-angle OLED display. If you’re upgrading from an older model, you’ll definitely notice that you can see more from the wrist. The speakers now play music and podcasts, and voice isolation on calls has been improved. There’s an added depth and water temperature sensor, which makes it a better companion for water sports as well. Fast charging has also been meaningfully improved. On the health front, Apple has brought FDA-cleared sleep apnea detection to the watch, along with the Series 9 and Ultra 2.

We recommend the second-gen Apple Watch SE for younger people and first-time smartwatch buyers. If you’re upgrading from an earlier Apple Watch, you want an always-on display, or you want more advanced health tracking, you should consider the Series 10. And if you want the brightest screen, the best durability and battery life, and even more advanced fitness features, we recommend the Ultra 2.

The Series 10 focuses on making the watch more readable and comfortable to wear.
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The Series 10 is Apple’s flagship smartwatch. Compared to earlier models, it’s going to get you the fastest processor, quick charging, a larger display, and all the latest sensors. Prices start at $399 for the 42mm version and $429 for the 46mm. Adding LTE connectivity will add $100 to the price, plus whatever your carrier charges for the service. Prices start at $699 for the polished titanium models.

The second-gen SE has a nylon composite back, which helps shave $30 off the original’s price. You can get a cellular version, and it supports many of the same advanced features as the last-gen Series 8, like fall detection, emergency calling, Fitness Plus, Apple Pay, and Family Setup. The biggest difference is that it lacks an always-on display, the EKG sensor, the temperature sensors, and the SpO2 sensor. The display is also slightly smaller on both sizes of the SE. It starts at $249 for the 40mm and $279 for the 44mm. Adding LTE will tack on an extra $50 in addition to your carrier’s fees. 

Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)

The latest SE borrows a few features from the Series 8, including the same chipset and Crash Detection feature, but it’s an otherwise subtle upgrade from the last-gen SE.

To be perfectly honest, if you’re young and healthy, you’re not really missing out on EKG or SpO2. (Also, new watches sold in the US currently have the SpO2 feature disabled anyway.) The SE’s heart rate sensor is still capable of providing abnormal heart rate alerts. Right now, Apple’s SpO2 features are limited to spot checks. There’s not much you can do with that information, and unlike the EKGs, this is only cleared for general wellness purposes. It will not be able to replace a fingertip pulse oximeter, and you should never use it in this way.

The main purpose of the EKG sensor is to enable atrial fibrillation detection — and if your doctor’s given you a clean bill of health, you will likely only use this feature once or twice. According to the American Heart Association, the biggest risk factors for AFib are advanced age, underlying heart conditions, high blood pressure, family history, and sleep apnea, among other lifestyle choices. If this doesn’t apply to you, the SE is still going to give you an excellent health tracking experience and all the same smart features. Young, first-time buyers may as well save the extra $150 — so long as the lack of an always-on display isn’t a deal-breaker. 

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You can’t really see much of a difference between the Ultra on the left and the Ultra 2 on the right.

There are some situations where opting for the Series 10 is the better choice, however, like if you want an always-on display or need to have the latest and greatest. The larger, wide-angle OLED display also provides much better readability for anyone with bad eyesight. It’s also the better choice if you have a heart condition or are at a higher risk of developing AFib. If you suspect you may have sleep apnea, you’ll also need a Series 9, 10, or Ultra 2 to access that feature.

The Apple Watch Ultra 2 on grass.The Apple Watch Ultra 2 on grass.The Apple Watch Ultra 2 on grass.The Apple Watch Ultra 2 on grass.

The rugged Apple Watch Ultra 2 comes in one size: 49mm. It offers the brightest display of any wearable in Apple’s lineup, along with better battery life and improved performance. It sports Apple’s last-gen S9 SiP, too, allowing you to take advantage of Apple’s handy double tap feature.

The Ultra 2 currently sits atop the lineup as Apple’s premium smartwatch. It’s visually distinct from both the Series and SE — and at 49mm, it’s the biggest of them all. Not only that, it has increased durability, water resistance, and a raised lip to protect the flat display. It also has an additional water temperature and depth sensor for divers, three microphones, and two speakers, which enable the Siren. It’s also got the Action button, which can be programmed for various activities, pause workouts, and trigger the Siren.

At $799, the Ultra 2 is the most expensive Apple Watch, but every model comes equipped with LTE capability. If you have an Ultra and are wondering if you should upgrade to the second-gen model, the answer is no. If you have an Ultra 2 and are wondering if you should upgrade to the new black color, the answer is also no. (Admittedly, it does look quite nice.) It’s too soon, and there’s not enough of a difference. We recommend the Ultra 2 for new buyers only.

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If battery life is your highest priority, getting either Ultra is the best choice. In testing, we got up to 60 hours without Low Power Mode enabled. However, if you use about one hour of GPS tracking a day or take calls, you’re more likely to get around two days. It’s also the better choice if you frequently hike, dive, or run trails. While marketed as a hardcore watch for explorers, in our opinion, it’s more of an aspirational watch for weekend warriors and intermediate athletes — or anyone who wants to be at that level.

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You’re not going to beat either Ultra on battery life, but you can stretch out the battery life on the Series 4 or later with Low Power Mode. You can even sleep track with Low Power Mode on, though it’ll turn off background health sensors. With the Series 10, Apple has improved fast charging as well. Official estimates are that you can get 0 to 80 percent in 30 minutes, which roughly matches our real-world testing. Just be sure you’re using the correct charging accessories.

If you have smaller wrists, you may want to opt for the Series 10 as it has fast charging and is more comfortable to wear long-term. Faster charging comes in clutch when you’re about to head to bed and you’ve only got 15 percent battery. Also, if you’re the type that values futureproofing, the Series 10’s hardware will be able to support newer features for a longer period of time thanks to its newer processor. This is why folks who love their watch and are looking to upgrade from a Series 4 or older should also pick the Series 10. If you’re already in the habit of wearing the watch daily, you’ll get more mileage out of it as the SE is more of a gateway device, and the Ultra is overkill for the average Joe.  

The best Apple Watch if you’re on a budget

Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)Woman in floral dress with hand on hip modeling Apple watch SE (2022)

The latest SE borrows a few features from the Series 8, including the same chipset and Crash Detection feature, but it’s an otherwise subtle upgrade from the last-gen SE.

The latest Watch SE is the way to go for people who want to futureproof their hardware without breaking the bank (so long as you’re okay forgoing a larger display). You’re getting the same processor as the Series 8 and original Ultra, plus Crash Detection.

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While the second-gen SE is an excellent watch, it’s not always the right choice. It’s meant to be a gateway watch, so it’s best suited to folks who are completely new to the Apple Watch and want to spend as little as possible. If you’re looking to upgrade from an older watch but don’t want to pony up for the Series 10, there’s another option: buying a used or refurbished Apple Watch.

Buying secondhand devices is also better for the environment and a more affordable way to get more expensive materials. Materials like sapphire glass, stainless steel, or titanium can add hundreds to the price of a new watch. It’s also a good way to save money if you’re just not excited by the Series 10’s features but want more than what the SE offers.

Opting for a Series 9 now means you may be able to score stainless steel for a discounted price.

The second-gen SE is excellent for folks on a budget or those who want a smaller case size.

It’ll take some patience to find the best price and the model you want. After all, you’re limited by what’s available. However, there are several sites that offer older models. Sometimes, you can also find deals and sales as well. If you’re worried about getting scammed, look for deals recommended by sources you trust (cough, cough, Verge Deals). Apple also sells its own refurbished models, which come with a full Apple warranty and are generally in a “like new” condition, though the selection can be limited, and you likely won’t pay less than a new SE. Sites like Back Market will also let you sort by condition and obtain a 12-month warranty. 

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If you’re considering a used or refurbished model, we recommend the Series 7 or Series 8 because they’ll get you a larger screen for readability. We also recommend that you use $250 as a benchmark since that’s the price of a new base model Watch SE. With that said, if you’re getting premium materials, going a little higher is fine. Do not get a refurbished Series 3 or older. Although you can find them for $100 (sometimes less!), they can’t run the latest software and even struggle to update the newest software they do support.

The best Apple Watch for kids

Woman holding a purse while modeling the Stripes watchface on the Apple Watch SE (2022)Woman holding a purse while modeling the Stripes watchface on the Apple Watch SE (2022)Woman holding a purse while modeling the Stripes watchface on the Apple Watch SE (2022)Woman holding a purse while modeling the Stripes watchface on the Apple Watch SE (2022)

The latest SE for 2022 borrows a few features from the Series 8, including the same chipset and Crash Detection feature, but it’s an otherwise subtle upgrade from the last-gen SE.

If you want your child to have an Apple Watch, we recommend picking a cellular Apple Watch SE or, if you can find one, a refurbished Series 4, 5, or 6 with cellular. All of these watches come in smaller sizes than the Series 7, 8, or 9, which will likely better fit their wrist. Also, the lower price will give you better peace of mind if you have a rambunctious kid. They likely won’t need many of the marquee features found in watchOS 11, either. That being said, if you want the most futureproof options, the second-gen SE and Series 6 are the best choices.

Since you’re buying for children, you’ll likely want to use Family Setup, as it will give you greater parental controls. (You can read our review of the feature here.) However, there are technical specifications that you’ll need to match in order to use it. You’ll need a cellular version of the device, and it must at least support watchOS 7. Apple’s support page states that you need a Series 4 or later or an Apple Watch SE for Family Setup.

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The second-gen SE is a good option to give to your kids.

If you opt for the Family Setup route, not every feature will be available. While you can get Apple Pay and certain health features, you will not get the following: health data sharing, respiratory rate, irregular heart rhythm notifications, EKG, Cycle Tracking, Sleep, Blood Oxygen, Podcasts, Remote, News, Home, and Shortcuts.

The best Apple Watch for older relatives

Close up of smart stack on an Apple Watch Series 10Close up of smart stack on an Apple Watch Series 10Close up of smart stack on an Apple Watch Series 10Close up of smart stack on an Apple Watch Series 10

The Series 10’s display is comparable in size to the Ultra 2’s but the watch itself is roughly 30 percent thinner and half the weight.

This can be a tricky one, but we recommend a cellular Series 9 or 10. 

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For starters, the larger screen is much easier on the eyes. You can also increase the text size to be larger than on the SE or older Apple Watches. The always-on display aids accessibility, especially if arm mobility is a consideration. You’ll also get the full suite of health features, including irregular heartbeat alerts, walking steadiness, EKGs, fall detection, sleep apnea detection, and emergency calling. These models also have the double tap feature and improved Siri functionality, which may be helpful for elderly relatives with dexterity issues.

You can use the Ultra, but you should keep its size and weight in mind. Depending on your loved one’s wrist size and health, it may not make sense. Both sizes of the Series 10 have comparable screen sizes but are much lighter and more comfortable to wear. 

The larger screen size but lighter weight of the Series 10 may benefit older relatives.

If your older relative has an iPhone and you’re hoping to use this for health reasons, we also don’t recommend Family Setup. That’s because you cannot use features like irregular heart rhythm notifications, EKG, and health data sharing. If your relative doesn’t have an iPhone, however, Family Setup is a fine option. You’ll still get high and low heart rate notifications, walking steadiness, and fall detection. 

Update, December 27th: Updated to reflect current pricing and availability.

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US arrests soldier who allegedly made $400k on Maduro Polymarket bets

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On or about January 6, 2026, for example, VAN DYKE asked Polymarket to delete his Polymarket account, falsely claiming that he had lost access to the email address to which the account had been associated. That same day, VAN DYKE changed the email registered to his cryptocurrency exchange account to an email address that was not subscribed to in his name, which email address was created on or about December 14., 2025.

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How Florida retiree lost $200K in fake PayPal refund scam

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How Florida retiree lost 0K in fake PayPal refund scam

NEWYou can now listen to Fox News articles!

Brian Oliver is retired, sharp and financially savvy enough to have a stock-and-bond portfolio worth hundreds of thousands of dollars. He is not the type of person you picture getting scammed. That is exactly why scammers picked him.

What happened to Oliver, 85, is the kind of story that makes your jaw drop, and your stomach turn at the same time. It started with a routine-looking email and ended with a box of gold coins rolling away in the back of a black Mustang. In between, Oliver lost $200,000 and nearly half of his retirement savings.

He told his story on my Beyond Connected podcast at getbeyondconnected.com, along with Detective Justin Torres of the Gainesville Police Department in Florida. What they shared together is equal parts chilling and clarifying.

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BEWARE FAKE CREDIT CARD ACCOUNT RESTRICTION SCAMS

Brian Oliver shares how a routine-looking email pulled him into a sophisticated refund scam that cost him $200,000. (Sebastian Gollnow/picture alliance)

It all started with a PayPal refund scam email

Brian got an email that said PayPal owed him money. It was not a wild claim. He had dealt with PayPal before and figured, “Maybe they found some money for me.” So he responded. The email included a phone number, and that number connected him to a man who called himself Andrew Johnson.

“Yeah, we have $450 for you. Type in the number 100 on your computer and we’ll get it started.”

Brian typed 100. Andrew immediately said he had made a mistake: “Oh no, you put in 10,000.”

Brian pushed back. He said he did not type 10,000. Andrew told him to check his Bank of America account. Brian opened it, and there it was: $10,000 sitting in his checking account.

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Except it was not real. The scammers had somehow mirrored his bank’s website. What Brian saw looked exactly like his actual Bank of America page, complete with a new balance and a phone number embedded in the “Contact Us” section. That number was fake, too.

Brian called it. A man named Josh answered, identifying himself as a Bank of America representative. He told Brian that the only way to return the money without triggering a $3,500 tax penalty was to withdraw $10,000 in cash and feed it into a crypto ATM.

How the PayPal refund scam tricked Brian

Oliver had never heard of a crypto ATM before that day. Josh helpfully told him exactly where to find one. It was in a sketchy part of town, and Oliver walked in carrying $10,000 in his pocket.

“I’m on my knees, on a cement floor, and I’m 85,” Oliver said.

He fed one hundred $100 bills into the machine, bill by bill, watching over his shoulder the entire time. Some bills got kicked back out. He fed them in again. When the machine finally accepted all of them, he photographed the receipt and sent it to Andrew Johnson, just as he had been instructed.

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Then Oliver went home and told Andrew it was done. Andrew told him they still had to take care of his refund. He told Oliver to type in the number 200.

FAKE PAYPAL EMAIL LET HACKERS ACCESS COMPUTER AND BANK ACCOUNT

Oliver typed it. Andrew’s response came fast: “Oh my God, my boss is going to kill me. It’s $200,000 we’ve transferred to your account.”

This type of scam is becoming more common, and it often involves criminals impersonating trusted platforms like PayPal.

“PayPal does not tolerate fraudulent activity, and we work hard to protect our customers from evolving phishing scams,” a spokesperson for PayPal told CyberGuy. “We always encourage consumers to learn how to spot the warning signs of common fraud, including our tips on the PayPal Newsroom for identifying phishing emails that attempt to impersonate trusted brands. We further recommend contacting Customer Support for assistance through official channels such as the PayPal app and our Contact Us webpage, and never responding to suspicious, unexpected emails.”

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How the scam escalated to $200,000 in gold

Oliver opened his bank account again. The fake mirrored site showed $200,000 sitting there. Josh Wilson was back on the phone with a new plan. This time, the crypto ATM would not work because the amount was too large. Oliver needed to liquidate $200,000 from his stock and bond portfolio, convert it to cash and use it to buy gold coins.

Oliver protested. He told them to just reverse the transfer. They said it was impossible.

“This is my retirement money. 50% of my retirement money,” he said.

The scammers told him not to breathe a word to anyone. Josh specifically warned him that telling his broker the truth could trigger tax problems. So Oliver called his broker and said he had his eye on a piece of real estate he wanted to flip. The broker processed the sale without question.

YOUTUBE JOB SCAM TEXT: HOW TO SPOT IT FAST

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Oliver went to a gold coin store, wrote a check for $198,560 and waited two to three days for it to clear. Andrew Johnson stayed in regular contact the entire time.

When the gold was ready, Johnson gave Oliver one final instruction. A courier would come to his door to pick up the box. Before handing it over, Oliver should ask the courier for a password. The password was “blue.”

The courier arrived. He was driving a black Mustang. He said the word blue. Oliver handed over the box.

“He told me the password,” Oliver said. “I handed the box, and off went my $200,000.”

The moment Brian Oliver realized it was all a scam

The day after the courier left, Andrew Johnson called back with urgency. He told Brian Oliver another $200,000 had landed in his account, and they needed to do the whole thing over again. That was the moment it broke.

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“That’s when I came out from under the ether of this scam,” Oliver said. “And I said, this cannot be right.”

He immediately called the Gainesville Police Department.

The high-stakes sting that brought down a scam courier

Detective Justin Torres of the Gainesville Police Department took the call and started working the case immediately. The scammers had asked Oliver for photos of the gold and the purchase receipt, which gave law enforcement about a day and a half to set up an operation before the courier was scheduled to return.

Detective Torres pulled in four officers from the department’s Gun Violence Initiative unit, a team of intermediate detectives trained for exactly this kind of boots-on-ground work. They set up covert and marked vehicles around Oliver’s residence at a careful distance.

“It was pretty high intensity because I’m listening to Mr. Oliver’s conversation with Andrew,” Torres said. “And I’m also trying to be a good distance away to listen to my radio and be able to broadcast what I need to to the other officers on the outside.”

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The scammers were suspicious. They kept pushing Oliver to be more compliant. Oliver pushed back. The goal was to keep them on the line long enough for the courier to show up. The courier, a man named Seth Wayne, drove in from Tampa. The officers waited. When he arrived, they arrested him. The case went to trial. Seth Wayne received an 18-year prison sentence.

A federal jury has since convicted a second courier in the same scheme. Atharva Shailesh Sathawane, 22, an undocumented immigrant from India, was found guilty of conspiracy to commit wire fraud and money laundering, with Brian Oliver among his victims.

Sathawane was arrested after the Gainesville Police Department set up a second sting operation at Brian’s home. Court documents showed Sathawane was involved in more than 30 transactions across multiple states, contributing to nearly $8 million stolen from elderly victims. He faces up to 20 years on each count, with sentencing scheduled for Dec. 16 in Gainesville, though he is appealing his conviction.

How refund scams are hitting multiple victims

The scam began with a convincing message and quickly escalated as criminals guided Brian Oliver step by step through fake account activity. (Halfpoint/iStock/Getty Images)

Ten other victims testified at Seth Wayne’s trial. They had come from all over the state of Florida, and their stories made Oliver furious.

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Some had received fake arrest warrants, official-looking documents claiming their identities had been tied to gun running. They were told the only way to clear their names was to pull their savings and buy gold, which would be placed in a special locker in Washington, D.C., until their names were cleared.

One victim lost $1.8 million. Another lost $4.9 million. A third woman lost over $1 million across two separate pickups by the same courier. Her husband was in hospice care in Florida while all of this was happening. She drained her entire life savings, sold her condo and had to move in with her daughter and son-in-law in Alabama, leaving her dying husband behind.

Where the money from refund scams actually goes

Once the gold or cash leaves a victim’s hands, recovery is nearly impossible. Most of Seth Wayne’s deliveries went to parking lots at McDonald’s or shopping centers, where he handed the money directly to a controller. One pickup went to a jewelry store, where an employee came outside to collect it. That connection is still under active investigation by the IRS and FBI.

The call centers running these operations are overseas. Higher-level couriers in the United States are still being investigated. The full network is, as Detective Torres put it, “very intricate” and “very complicated.”

Seth Wayne himself was a mid-to-upper-level courier. He was also paying other couriers and compensating his handler. When investigators downloaded his cell phone after a judge-approved search warrant, they found evidence that he had researched exactly what he was doing before deciding the money was worth the risk.

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SCAMS THAT AREN’T ILLEGAL (BUT SHOULD BE)

The defense of “willful blindness,” the idea that a courier can claim ignorance and escape responsibility, no longer holds up in Florida courts. Seth Wayne found that out the hard way.

For a deeper look at what Oliver went through, you can hear the full story on my Beyond Connected podcast at getbeyondconeccted.com.

How to stay safe from refund scams

Detective Torres laid out the most important red flags clearly, and Oliver added a few from painful personal experience. Here is what both of them want you to know.

1) Hang up on urgency

Scammers manufacture pressure because it works. If someone on the phone is telling you that you must act right now, that is not a real emergency. That is a tactic. Torres put it directly: “They want to make you believe that you have to do all this right now.”

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2) Never call the number they give you

If someone calls claiming to be from PayPal, your bank or a law enforcement agency, hang up and find the real number yourself. The number embedded in Oliver’s fake bank website looked completely legitimate. It was not.

3) Pause for ten seconds

Literally ten seconds. Detective Torres confirmed what many security experts say: “If you pause these scams for just 10 seconds, many of them will just fall apart.” A scammer who is pushed back even slightly will often overreact, and that reaction will feel wrong.

4) Isolation is the biggest red flag

The moment someone on the phone tells you not to tell a family member, friend or neighbor what is happening, stop. That instruction exists for one reason: to prevent you from getting help before they get your money. “Once you start hearing that isolation conversation, that is the biggest red flag,” Torres said. “You need to hang up the phone.”

5) Gold is always a scam signal

Oliver made this one simple: “If you’re told to go buy gold, the only reason they tell you to buy gold is because it can never be traced. It’s a scam.” No legitimate company, government agency or financial institution will ever ask you to buy gold coins and hand them to a stranger.

6) The courier at your door means stop

If you have already bought gold and someone is coming to your home to pick it up in a box, Oliver’s advice is direct: “Stop right there. It’s a scam.”

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7) Never move money to fix a ‘mistake’

If someone claims they accidentally sent you money and asks you to return it, stop right there. Real companies fix errors on their own systems. They will not ask you to withdraw cash, buy crypto or purchase gold to correct a transaction.

8) Verify your account on your own device

If you need to check your bank account, use your official banking app or type the website yourself. Do not trust links, screens or phone numbers provided during a call. In many cases, scammers create fake sites that look identical to the real thing.

9) Be wary of step-by-step instructions

Scammers often stay on the phone and guide you through every move. That level of control should raise concern. Legitimate companies do not walk you through withdrawing cash, using crypto ATMs or buying gold to solve a problem.

10) Bring in a second person

Before moving a large amount of money, pause and call someone you trust. A quick conversation with a family member or friend can shift your perspective. In many cases, that outside voice is enough to stop a scam in progress.

11) Limit how much of your information is online

Scammers build convincing stories using real details they find online. This can include your phone number, home address or financial history. To reduce that risk, consider removing your information from data broker and people-search sites. While you can do this manually, it often takes time, which is why some people use a data removal service such as Incogni to help automate the process and keep their information from resurfacing.

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Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com.

Get a free scan to find out if your personal information is already out on the web: Cyberguy.com.

Scammers often operate behind the scenes, using technology and social engineering to manipulate victims into handing over cash or valuables. (Paul Chinn/The San Francisco Chronicle/Getty Images)

Kurt’s key takeaways

Brian Oliver lost $200,000, leaving him with only half of his retirement savings. Today, he says he is slowly sinking toward bankruptcy, and the odds of getting that money back are slim. Even so, he chose to go public so others could hear his story before it happens to them. What makes this case different is that it led to real consequences. Detective Torres and his team moved quickly and set up a sting operation. As a result, they arrested a courier who later received an 18-year prison sentence. Meanwhile, the IRS and FBI are still investigating the larger network. However, this kind of outcome is rare. In most cases, victims lose everything and never see justice. These scams are complex, often run from overseas, and are designed to move money fast. Because of that, law enforcement usually focuses on the people closest to the victim and works backward. In the end, Oliver’s turning point came during a second demand for money. At that moment, something felt off, so he paused. Then he said, “This cannot be right.” That instinct matters. In many cases, that brief pause is enough to break the scam.

If you were in Oliver’s position, at what exact moment do you think you would have stopped, and what would it have taken for you to make that call? Let us know by writing to us at Cyberguy.com.

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BEWARE SOFTWARE BRAIN

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BEWARE SOFTWARE BRAIN

Today on Decoder, I want to lay out an idea that’s been banging around my head for weeks now as we’ve been reporting on AI and having conversations here on this show. I’ve been calling it software brain, and it’s a particular way of seeing the world that fits everything into algorithms, databases and loops — software.

Software brain is powerful stuff. It’s a way of thinking that basically created our modern world. Marc Andreessen, the literal embodiment of software brain, called it in 2011 when he wrote the piece “Why software is eating the world” as an op-ed in The Wall Street Journal. But software thinking has been turbocharged by AI in a way that I think helps explain the enormous gap between how excited the tech industry is about the technology and how regular people are growing to dislike it more and more over time.

In fact, the polling on this is so strong, I think it’s fair to say that a lot of people hate AI. And Gen Z in particular seems to hate AI more and more as they encounter it. There’s that NBC News poll showing AI with worse favorability than ICE and only a little bit above the war in Iran and the Democrats generally. That’s with nearly two thirds of respondents saying they used ChatGPT or Copilot in the last month. Quinnipiac just found that over half of Americans think AI will do more harm than good, while more than 80 percent of people were either very concerned or somewhat concerned about the technology. Only 35 percent of people were excited about it.

Poll after poll shows that Gen Z uses AI the most and has the most negative feelings about it. A recent Gallup poll found that only 18 percent of Gen Z was hopeful about AI, down from an already-bad 27 percent last year. At the same time, anger is growing: 31 percent of those Gen Z respondents said they feel angry about AI, up from 22 percent last year.

Now, I obviously talk to a lot of tech executives and policy people here on Decoder, and I will tell you, they all know AI isn’t popular, and they can all see how that’s playing out in real life. Here’s Microsoft CEO Satya Nadella talking about how the tech industry needs to make the case for the investments it’s making in AI:

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Satya Nadella: At the end of the day, I think this industry, to which I belong, needs to earn the social permission to consume energy because we’re doing good in the world.

I think it’s safe to say that the tech industry and AI have not earned any of that social permission yet. Politicians from both sides of the aisle are opposing data center buildouts. Politicians in local communities that support data centers are getting voted out of office. And in the most depressing reminder of how much political violence has become a part of everyday American life, politicians who’ve supported data centers have had their houses shot at. OpenAI CEO Sam Altman has had Molotov cocktails thrown at his house.

It’s sad that I’m going to have to say this again on the show, and it’s sad that we’re going to have commenters who disagree, but this violence is unacceptable. If you want to meaningfully oppose AI in a way that lasts, you should speak loudly with your dollars in the market and your attention online, and you should speak loudly with your votes. You should participate in a democratic regulatory and political process. Anything else will get dismissed and perpetuate the cycle. That dismissal is already happening.

I also think it’s incredibly important for our politicians and tech executives to make sure our political process makes people feel empowered, not helpless, which is a specific kind of nihilism they have all greatly contributed to. The violence is a result of that helplessness and nihilism. And the most powerful people in our society ought to reckon with that, especially as they run around saying AI will wipe out all the jobs. I’m not even exaggerating this. Here’s Anthropic CEO Dario Amodei saying he thinks AI will wipe out all the jobs:

Dario Amodei: Entry-level jobs in areas like finance, consulting, tech and many other areas like that —- entry-level white-collar work — I worry that those things are going to be first augmented, but before long replaced by AI systems. We may indeed —- it’s hard to predict the future — but we may indeed have a serious employment crisis on our hands as the pipeline for this early-stage, white-collar work starts to contract and dry up.

What I see when I encounter clips like this is the true gap between the tech industry and regular people when it comes to AI — and also the limit of software brain. Like I said, everyone in tech understands how much regular people dislike AI. What I think they’re missing is why. They think this is a marketing problem. OpenAI just spent $200 million on the TBPN podcast because the company thinks it will help make people like AI more. Sam Altman has said so explicitly:

Sam Altman: Oh, they are genius marketers and I would love to have better marketing. Somebody said to me recently that if AI were a political candidate, it would be the least popular political candidate in history. And given the amazing things AI can do, I think there’s got to be better marketing for AI.

It feels like someone just needs to say this clearly, so I’m just going to do it. AI doesn’t have a marketing problem. People experience these tools every single day. ChatGPT has 900 million weekly users, trending to a billion, and everyone has seen AI Overviews in Google Search and massive amounts of slop on their feeds. You can’t advertise people out of reacting to their own experiences. This is a fundamental disconnect between how tech people with software brains see the world and how regular people are living their lives.

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Image: The Verge

So what is software brain? The simplest definition I’ve come up with is that it’s when you see the whole world as a series of databases that can be controlled with structured language and software code. Like I said, this is a powerful way of seeing things. So much of our lives run through databases, and a bunch of important companies have been built around maintaining those databases and providing access to them.

Zillow is a database of houses. Uber is a database of cars and riders. YouTube is a database of videos. The Verge’s website is a database of stories. You can go on and on and on. Once you start seeing the world as a bunch of databases, it’s a small jump to feeling like you can control everything if you can just control the data.

But that doesn’t always work. Here’s an example: Elon Musk and DOGE showed up in the government, and the first thing they did was take control of a bunch of databases. And they ran into the undeniable fact that the databases aren’t reality, and DOGE ended in hilarious failure. It turns out software brain has a limit, and the government isn’t software. People aren’t computers, and they don’t live in automatable loops that can be neatly captured in databases.

Anyone who’s actually ever run a database knows this. At some point, the database stops matching reality. And at that point, we usually end up tweaking the database, not the world. The AI industry has fully lost sight of this. AI thrives on data. It’s just software. And so the ask is for more and more of us to conform our lives to the database, not the other way around.

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Let me offer you another example that I think about all the time, especially as AI finds real fit as a business tool. It’s the idea that AI is coming for lawyers and the legal system. The AI industry loves to talk about not needing lawyers anymore, which is already getting all kinds of people into all kinds of trouble. But I get it. I’ve spent a lot of time with lawyers. I used to be a lawyer. My wife is still a lawyer. Some of my best friends are lawyers.

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I also spend all of my time at work talking to tech people. And so over time, I’ve learned that the overlap between software brain and lawyer brain is very, very deep. Alluringly deep. If the heart of software brain is the idea that thinking in the structured language of code can make things happen in the real world, well, the heart of lawyer brain is that thinking in the structured legal language of statutes and citations can also make things happen. Hell, it can give you power over society.

There are other commonalities. Both software development and the law depend heavily on precedent. We have a body of case law in this country, and we use it over and over again to help us resolve disputes. Much like software engineers have libraries of code that they turn to repeatedly to build the foundations of their products. I can go on.

At the end of the day, both lawyers and engineers do their best to use formal, structured language to guide the behavior of complicated systems in predictable and potentially profitable ways. I am far from the first person with this idea. Larry Lessig wrote a book called Code and Other Laws of Cyberspace in 2000. It’s just as relevant today as it was a quarter century ago.

And so you have this intoxicating similarity between law and code, and it trips people up all the time. People are constantly trying to issue commands to society at large like it’s a computer that will obey instructions. There are examples of this big and small. My favorite are those Facebook forwards insisting Mark Zuckerberg does not have the right to publish people’s photos. Honestly, I look at these, and I think it would be great if the law was actually code. Maybe things would be more predictable. Maybe we’d feel more in control.

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But law isn’t actually code, and society and courts aren’t computers. I have to remind our fairly technical audience on Decoder and at The Verge all the time that the law is not deterministic. You simply cannot take the facts of a case, the law as written, and predict the outcome of that case with any real certainty, even though the formality of the legal system makes people think it works like a computer, that it’s predictable.

Because at the end of the day, it’s actually ambiguity that’s at the very heart of our legal system. It’s ambiguity that makes lawyers lawyers. Honestly, it’s ambiguity that makes people hate lawyers because it’s always possible to argue the other side, and it’s always possible to find the gray area in the law. That’s why prosecutors end up working as defense attorneys and why our regulators tend to end up working for big corporations.

So you can see the obvious collision between software brain and lawyer brain. This thing that looks like a computer isn’t actually anything at all like a computer. A lot of people even argue that the law should be more like a computer, that the system should be verifiable and consistent, and that merely issuing the right commands at the right times should lead to objectively correct outcomes.

Bridget McCormack, who used to be the chief justice of the Michigan Supreme Court, was on Decoder a few months ago pitching a fully automated AI arbitration system. Her argument to me was that people perceive the traditional legal system to be so unfair, they will accept a worse outcome from an automated system as more fair as long as they feel heard. And if there’s one thing AI can do, it’s sit there and listen all day and night. I don’t know if any of that is correct or even workable, but I do know software brain, and that is pure software brain. The idea that we can force the real world to act like a computer and then have AI issue that computer instructions.

You can see the same thing happening in every other kind of industry. You don’t hire a big consulting firm to actually come in and study your business and make it more efficient. You hire them to make slide decks that justify layoffs to your board and shareholders. Big consulting firms are great at this, and now they’re just going to generate those decks with AI. They are already doing this and the layoffs have already begun.

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Any business process that looks like code talking to a database in a repetitive way is up for grabs. That’s why Anthropic has been so relentlessly focused on enterprise customers, and it’s why OpenAI is now pivoting to business use. There’s real value in introducing AI to business because so much of modern business is already software, collecting data, analyzing it, and taking action on it over and over again in a loop. Businesses also control their data, and they can demand that all their databases work together. In this way, software brain has ruled the business world for a long time. And AI has made it easier than ever for more people to make more software than ever before, for every kind of business to automate big chunks of itself with software. The absolute cutting edge of advertising and marketing is automation with AI. It’s not being in creative.

But not everything is a business, not everything is a loop, and the entire human experience cannot be captured in a database. That’s the limit of software brain. That’s why people hate AI. It flattens them. Regular people don’t see the opportunity to write code as an opportunity at all. The people do not yearn for automation. I’m a full-on smart home sicko; the lights and shades and climate controls of this house are automated in dozens of ways. But huge companies like Apple, Google and Amazon have struggled for over a decade now to make regular people care about smart home automation at all. And they just don’t.

AI isn’t going to fix that. Most people are not collecting data about every single thing that they do. And if they’re collecting any at all, it’s stored across lots of different systems — your email in Gmail, your messages in iMessage, your work schedule in Outlook, your workouts in Peloton. Those systems don’t talk to each other and maybe they never will, because there’s no reason for them to. And asking people to connect them all freaks them out.

Even taking the time to consider how much of your life is captured in databases makes people unhappy. No one wants to be surveilled constantly, and especially not in a way that makes tech companies even more powerful. But getting everything in a database so software can see it is a preoccupation of the AI industry. It’s why all the meeting systems have AI note takers in them now. It’s why Canva, which is design software, now connects to corporate email systems. My friend Ezra Klein just went to Silicon Valley, and he described the people that are actively trying to flatten themselves into a database:

Ezra Klein: You might think that A.I. types in Silicon Valley, flush with cash, are on top of the world right now. I found them notably insecure. They think the A.I. age has arrived and its winners and losers will be determined, in part, by speed of adoption. The argument is simple enough: The advantages of working atop an army of A.I. assistants and coders will compound over time, and to begin that process now is to launch yourself far ahead of your competition later. And so they are racing one another to fully integrate A.I. into their lives and into their companies. But that doesn’t just mean using A.I. It means making themselves legible to the A.I.

You can give it access to everything that’s there: your files, your email, your calendar, your messages. It operates continuously in the background, building a persistent memory of your preferences and patterns so it can better act on your behalf. The cybersecurity risks are glaring, but there’s a reason millions of people are using it: The more of your life you open to A.I., the more valuable the A.I. becomes.

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I’ve reviewed a lot of tech products over the past decade and a half, and all I can tell you is that it is a failure when you ask people to adapt to computers. Computers should adapt to people. And asking people to make themselves more legible to software, to turn themselves into a database, is a doomed idea. It’s an ask so big, I can’t imagine a reward that would make it worth it for anyone, even if the tech industry wasn’t constantly talking about how AI will eliminate all the jobs, require a wholesale rethinking of the social contract and — oops — also the latest models might cause catastrophic cybersecurity problems that might lead to the end of the world.

Does this sound like a good deal to you? Can you market your way out of this? This only makes sense if you have software brain, if your operative framework is to flatten everything into databases that you can control with structured language. The people paying thousands of dollars a month to set up swarms of OpenClaw agents and write thousands of lines of code, they’re people who look at the world and see opportunities for automation, to repeat tasks, to collect data, to build software. AI is great for them. It’s even exciting in ways that I think are important and will probably change our relationship to computers forever.

For everyone else, AI is just a demanding slop monster. It’s a threat. I’m not saying regular people don’t use Excel or Airtable to plan their weddings or have fun throwing PowerPoint parties, or even that AI won’t be useful to regular people over time. I think a lot of people enjoy data and tracking different parts of their lives. There’s my WHOOP band. I’m just saying these things aren’t everything. Not everything about our lives can be measured and automated and optimized. It shouldn’t be.

And so the tech industry is rushing forward to put AI everywhere at enormous cost — energy, emissions, manufacturing capacity, the ability to buy RAM — and locked into the narrow framework of software brain without realizing they are also asking people to be fundamentally less human. They then sit around wondering why everyone hates them. I don’t think a couple haircuts are going to fix it.

Questions or comments about this episode? Hit us up at decoder@theverge.com. We really do read every email!

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