Text message scams keep coming and keep morphing. Know what the latest barrage looks like - deploying new ways to hook you into getting ripped off. Also, high mortgage rates can be avoided when conditions are right for a family member to make the loan. Learn how to lend to loved ones without the tax consequences.\n\nNew Text Message Scams: Segment 1\n\nAsk Clark: Segment 2\n\nFamily Loans & Taxes: Segment 3\n\nAsk Clark: Segment 4\n\n\nMentioned on the show:\n\nWhy You Should Never Click on Random Text Messages\n\nDon\u2019t click on that random text. It\u2019s a scam\n\nManaged Payout Funds vs. Annuities: How Do They Compare?\n\nBest Rewards Credit Cards: Top Picks for 2022\n\nThe One Place You Can Still Get a 3% Home Loan: Your Family\n\nFrequently Asked Questions on Gift Taxes\n\nApplicable Federal Rates - Internal Revenue Service\n\nShould You Buy Out Your Leased Car?\n\n\nClark.com resources\n\nEpisode transcripts\n\nClark.com daily money newsletter\n\n\nConsumer Action Center Free Helpline: 636-492-5275\n\n\nLearn more about your ad choices: megaphone.fm/adchoices\nLearn more about your ad choices. Visit megaphone.fm/adchoices