With a SIM-swapping attack, scammers hijack your phone number to gain access to apps on your phone—including banking apps.

THE FEDERAL TRADE COMMISSION SAYS THE PERCENTAGE OF PEOPLE WHO WILL OPEN A TEXT MESSAGE WHEN THEY RECEIVE IT IS AS HIGH AS 98%, AND THOSE ARE GOOD ODDS FOR A SCAMMER. IN FACT, I JUST GOT ONE THIS WEEK ...

Authorities across the United States are investigating after racist text messages – some with references to “slave catchers” and “picking cotton” reminiscent of the country’s painful and bigoted past ...