You're a pretty tech-savvy person. You know how to avoid common scams. You can spot phishing e-mails a mile away – even spear phishing e-mails tailored specifically to fool you.

Would you like to put your skills to the test?

Jigsaw offers an online quiz to test your phish-detecting acumen. The quiz, based on the results of multiple worldwide security training sessions, features eight modified examples of real-life phishing scams – including the infamous attack that tricked John Podesta into allowing Russian hackers access to Hillary Clinton's campaign. All quiz questions are challenging and relatively subtle – there are no stereotypical Nigerian princes here. Since Jigsaw is a division of Google, you can trust that it’s legit; Google probably already knows more about you than you suspect!

You're presented with a fictional e-mail and asked to determine whether it's legitimate or a phishin...

Married couples have the choice of filing their taxes jointly or separately. What is the best option for you and your spouse? Generally, it is to file jointly – but there are several factors to consider before making your choice.

Obviously, the first hurdle is that you have to be married. For tax purposes, you are considered married if you were married on the last day of the tax year, even if you are in the process of a divorce that has not yet been finalized. Joint filing status is not available to couples in civil unions or domestic partnerships.

Thanks to the Supreme Court, married same-sex couples must file their federal taxes jointly or as a married couple filing separately – single status is not an option.

Assuming you meet the marriage criteria, how do you decide? Start by considering the disadvantages of filing separately and think of how many...

For Valentine's Day, we hope you bought a thoughtful gift for your significant other. It's the thought that counts, of course, but let us give you a tip or two: women like jewelry. And, when it comes to fine jewelry, you should give thought to insurance.

Fortunately, your family's everyday jewelry is probably covered by standard homeowner's or renter's insurance (at current market value less any deductible), assuming you carry such insurance. However, if you have valuable or very sentimental pieces of jewelry, the coverage may be lacking.

How can you tell whether your coverage is adequate? The following steps can help you reach the best decision.

• Inventory and Appraisal – You cannot figure out if your coverage is sufficient if you do not assess what you have. You need a list of items and their current value for any insurance claim, as well as for a police report in case of theft.
  
  Create a spreadsheet with each piece l...

Tax season is upon us, accompanied by many new federal tax changes. If you are one of the many Americans struggling to understand how to fill out your tax forms, the IRS — yes, that IRS — may be able to offer you free assistance.

The IRS offers the Volunteer Income Tax Assistance (VITA) program to certain taxpayers that require aid with preparing their returns. The program is generally available to those making $55,000 per year or less, elderly or disabled taxpayers, or those who have difficulty understanding English. VITA locations are sprinkled throughout America's community centers, libraries, shopping malls, and other public locations.

The VITA program is staffed by IRS-certified volunteers who can assist with basic tax preparation questions, and in some cases, electronic filing. Filing advice covers many of the common tax forms and their impacts, including many varieties of 1099 fo...