Texting scams, also known as “smishing” (SMS phishing), are becoming increasingly sophisticated and prevalent. Scammers use text messages to trick individuals into providing personal information, clicking on malicious links, or making payments. Here’s a look at some of the most common texting scams and how you can protect yourself. Bank Alerts and Financial Scams Scammers
ByUnderstanding Required Minimum Distributions (RMD) is imperative for effective retirement planning. RMD rules can be complicated and difficult to understand, so we’ve outlined common questions and explanations to help you.
ByIn recent years, the term “deepfake” has become increasingly common, often accompanied by concerns about its potential misuse. But what exactly is a deepfake, how can you identify one, and what steps can you take to protect yourself from deepfake-related crimes? Let’s dive into these questions. What is a Deepfake? A deepfake is a type
ByA Health Savings Account (HSA) is a tax-advantaged medical savings account available to individuals who are enrolled in high-deductible health plans. HSAs have three main tax advantages.
ByRetirement plan contribution limits are reviewed each year and are occasionally adjusted by the IRS. Table 1 below summarizes retirement plan contribution limits for 2025. Table 1: Retirement Plan Contribution Limits (2025) Retirement Plan Type 2025 Contribution Limit Catch-up Contribution Limit Individual Retirement Account (IRA) $7,000 Age 50+: $1,000 Simple IRA $16,500 Ages 50-59: $3,500
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Time Is Not As Limited As You Think
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A simple mindset shift can take you from "there's never enough time in the day" to calm, collected productivity.
Saying 'Please' and 'Thank You' to ChatGPT Costs OpenAI 'Tens of Millions of Dollars'
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When it comes to AI, apparently it's more environmentally friendly (and cost-efficient) to skip the niceties.
Nine Ways to Protect Yourself From ‘Impostor’ Voice Scams
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A secret word, a silent text message and some deep breathing can shield you from scam callers.
The Five Things You Shouldn’t Tell ChatGPT
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The more you share with an AI chatbot, the more helpful they can be. But you may want to consider what information you share with these human-sounding tools, including your Social Security number or y...
How to Avoid the Copycat Hotel Websites That Are Ripping You Off
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Some lesser-known hotel-booking websites charge hefty fees you won’t pay on the hotel’s site or major online travel agencies.Market commentary is intended for convenience, educational, and informational purposes only and should not be construed as individualized advice or recommendations. The discussions contained on this page are not a substitute for investment advice from a professional adviser. Readers should not use this content as the sole basis for any investment, financial planning, tax, legal or other decisions. Rather, a professional adviser should be consulted, and independent due diligence should be conducted before implementing any of the options referenced. While information presented is believed to be factual and up to date, Schultz Financial Group (“SFG”) does not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. Due to various factors, including but not limited to changing market conditions, this market commentary may no longer be reflective of current opinions or recommendations. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change.