We use our smartphones for just about everything these days, and that makes them a prime target for scammers. Online banking often relies on a code sent in a text message to verify the account holder's identity, but criminals have figured out a way to impersonate the phone and intercept these messages. This is exactly what happens when Jeff receives an SOS message on his phone, and before the day is over, thieves steal tens of thousands of dollars from him. The good news is, there's a simple thing we can all do to safeguard our phones and our accounts today.