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Today’s most dangerous cyber threats don’t come from hackers breaking into systems- they come from someone convincing you to open the door for them. When most people think of cybercriminals, it conjures up the notion of dimly lit rooms full of nefarious characters feverishly typing computer code, attempting to access your sensitive personal data. But in today’s cybersecurity landscape it’s almost always much simpler; the criminals ask for information directly, and many people unknowingly provide it. These scams, referred to as “social engineering schemes,” manipulate your trust, sense of urgency, or make you afraid. The perpetrators use these tactics to manipulate you into sending money, clicking a link, or handing over access. These attacks don’t require technical sophistication; they rely on something much more powerful, your willingness to act- quickly, emotionally, and often without verifying critical details. The Real Risk: It’s About What They’re Asking You to Do It doesn’t...
06.24.2025 Today’s most dangerous cyber threats don’t come from hackers breaking into systems- they come from someone convincing you to open the door for them. When most people think of cybercriminals, it conjures up the notion of dimly lit rooms full of nefarious characters feverishly typing computer code, attempting to access your sensitive personal data. But in today’s cybersecurity landscape it’s almost always much simpler; the criminals ask for information directly, and many people unknowingly provide it. These scams, referred to as “social engineering schemes,” manipulate your trust, sense of urgency, or make you afraid. The perpetrators use these tactics to manipulate you into sending money, clicking a link, or handing over access. These attacks don’t require technical sophistication; they rely on something much more powerful, your willingness to act- quickly, emotionally, and often without verifying critical details. The Real Risk: It’s About What They’re Asking You to Do It doesn’t...
As investment stewards, we at Manchester Capital seek to preserve, protect, and grow client assets given the prevailing market, economic, and political climates. We do not take political positions, believing that doing so could unduly influence our financial decision making. Instead, we focus solely on our mission of helping clients achieve their financial objectives. It is through this lens that we review the market’s response to the first 100 days of the second Trump Administration—beginning January 17th, the final market close before inauguration, and ending 100 days later with the market’s close April 30th. While the first 100 days is an arbitrary metric, it is instructive in understanding the market’s attitude toward the administration’s actions. Market Performance and Volatility During this 100 day period, there have been 78 trading days for the market. Using the S&P 500 as a market proxy, the market closed January 17th at 5,996.66, peaked February...
The recent swoon in the market could be attributed to confusion and uncertainty around the United States’ new tariff and trade policy. The Trump administration has announced a flurry of current and potential future tariffs, that are changing and evolving almost daily, making it difficult for investors to adequately understand the goals, the economic impacts, and the potential unintended consequences. As such, the market has traded down on general uncertainty about our overall trade policy. Tariffs were a campaign promise to rectify certain inequities among our trading partners. As expected, shortly after the inauguration, the new administration announced tariffs on three of our largest trading partners. These tariffs were presented as a way to pressure Canada, Mexico, and China to assist with curtailing our immigration and fentanyl problems. Some tariffs were imposed, some changed, some delayed, and some are still being negotiated. The lack of clarity has caused confusion as...
If you have seen your property and casualty insurance premiums rise significantly over the past several years, you are not alone. Across the United States, coverage for homes, autos and valuable collections have increased at a double-digit pace. Unfortunately, few families can expect any moderation in the coming year, particularly those in higher risk “Cat-rated” areas. Affluent homeowners in Florida, California and several other states can expect to see premium increases of at least 20% and may also have to accept more restrictive coverage terms. Others may even have difficulty securing coverage at any price.1 Against that backdrop, here are some answers to questions you may have about the cost and availability of coverage to protect your family, your home and your possessions. Presented here is an article by HUB International, republished by permission. Consult your insurance professional to discover why it’s happening, what to expect and how to minimize...
