The scam text test: Spot danger before you tap

Your phone buzzes. The text reads, "Your package is delayed. Confirm your address here." A little later, it's a text message about an unpaid toll, suspicious bank activity or an account that will be locked unless you act now.

That's how scam texts work. They don't always look wild or obviously fake. They look routine, urgent and easy to deal with in a hurry. The good news: You don't need to memorize every scam. You just need a quick way to test suspicious messages before you tap. Here's...