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Duffy's Crystal Ball Report: Cybersecurity Edition Hello Reader In this issue: The Power of passwords Protect personal information Keep devices up to date Cybersecurity shorts Software updates Cybersecurity Lessons for This School Year As we begin the back-to-school season, it is important to review good cybersecurity practices with school-aged children. Many children are introduced to computers and the Internet through school-based technology. Here are some cybersecurity topics to discuss...

Duffy's Crystal Ball Report: June Cybersecurity Edition In this issue: Protecting the Digital Assets in Your Estate Plan Savvy Cybersecurity quick links Software updates Welcome to your June Savvy Cybersecurity newsletter. Read on to learn about the importance of digital assets in your estate plan and how to protect and secure them. Protecting the Digital Assets in Your Estate Plan Estate planning isn’t just about passing down physical assets like homes, bank accounts, and investments. In...

Duffy's Crystal Ball Report: Cybersecurity Edition Hello Reader Welcome to your May Savvy Cybersecurity newsletter. Read on to learn more about common Social Security scams and how to protect yourself from them. Protect Your Social Security Benefits from Scammers Scammers are constantly evolving their tactics to target seniors, and one of the most common ways they do this is through Social Security fraud. In 2023 alone, over $126 million was lost to Social Security scams according to the...

Economically speaking, I know that it feels a bit like the end of the world right now. Are things pretty uncertain at the moment? Obviously. Does the horizon look pretty gloomy? Undoubtedly. Until this trade war is behind us, the craziness will probably continue. And it may be a while. There’s only one person in the world who could know when this might come to an end, and I’m not sure even he knows what the timeline looks like. But you know what? It’s all going to be okay. I mean that most...

Duffy's Crystal Ball Duffy's Crystal Ball Report: “Tariffs: A Buying Opportunity?” Hello Reader Just a couple of weeks into his second term, President Trump is picking up right where he left off by imposing new tariffs as he seeks to push his policy agenda forward. As is always the case in these notes, I’ve done my level best to be as apolitical as possible[1]. My only goal here is to help everyone better understand tariffs and their potential impact, clear up some misconceptions, and discuss...

Duffy's Crystal Ball How AI is Changing Cybersecurity—And What You Need to Know Hello Reader Artificial intelligence (AI) is making cybersecurity both stronger and more challenging. While businesses use AI to protect data, cybercriminals are also using it to develop more advanced attacks. We all must understand these risks and how to defend against them. Deepfake scams: Don’t trust what you see or hear AI can now create incredibly realistic fake videos and voice recordings, known as...

Duffy's Crystal Ball Duffy's Crystal Ball Report: Signal in the Noise: Q1 in Review Hello Reader I'm excited to share our review of the 1st quarter of 2025 that we call "Signal in the Noise." This phrase is comprised of two important components: Signal is meaningful information, and Noise is the random, often unwanted, distraction that interferes with the signal itself. In a world filled exclusively with "breaking news," it can be difficult to maintain the long-term perspective required to be...

Duffy's Crystal Ball Duffy's Crystal Ball Report: “The 5-Year Anniversary of Chaos” Hello Reader “The 5-Year Anniversary of Chaos” It’s a unique quirk of humanity that the further removed we are from major historical events, the more mundane they seem to have been. Even just five years ago feels like a lifetime ago, but it was a wild time. Today, I want to offer a very brief review of the COVID crash as I believe there are a few lessons that might help us endure our current environment. While...

Duffy's Crystal Ball Duffy's Crystal Ball Report: “Well, That Escalated Quickly” Hello Reader What happened to all the optimism from a month ago?! It’s long gone. It’s like it evaporated overnight. Last week, with the market down a mere 3%, something interesting happened: Investor sentiment fell off a cliff. According to the American Association of Individual Investors[1], last week’s investor sentiment reading reported some of the lowest levels of optimism and the highest levels of pessimism...