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The Artifex Navigator

Savvy Cybersecurity January 2017 Edition

Posted by Doug Kinsey on Feb 17, 2017 5:18:05 PM
 In this issue:
  • ‘Cardless ATM’ technology leads to major fraud 
  • Emerging threats: Netflix and Gmail phishing attacks
  • Cybersecurity shorts: Tax refund delays, the danger of a peace-sign selfie, a WhatsApp scam, and much more

“Cardless ATM” technology leads to major fraud

Kristina Markula’s Cancun vacation may have left her feeling refreshed—but a fraud left her bank account dry. Markula returned home to find nearly $3,000 missing. According to her conversation with security expert Brian Krebs, Markula tried to log into her Chase banking app while on vacation via the hotel Wi-Fi but was denied access. Thinking it was because she was in a new location, she continued her vacation without worry. However, when she returned home to San Francisco,

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Buckets or Pies?

Posted by Doug Kinsey on Jan 25, 2017 1:34:34 PM

 

As fee-only financial planners, the overriding concern we hear from people approaching retirement is “will I have enough to live on?”  Followed closely by “how can you make my money grow, without exposing it to a lot of risk?”  After the dramatic economic downturn in 2008, even the most confident investors can become a bit skittish when they think about relying on their investments for the next 20 or 30 years. 

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Topics: Retirement Planning

Financial Planning - Will Taxes or Probate Costs Reduce Your Estate?

Posted by Doug Kinsey on Jan 18, 2017 10:57:33 AM

Safeguarding the future of your loved ones is one of the most important parts of what effective Financial Planning is all about. Unfortunately, however, when you don't have a financial advisor who is on your side, chances are that your heirs and beneficiaries will receive only part of your estate. This is because the rest will go towards taxes and administrative costs that can center around commissions or other charges calculated as a percentage of your total assets. True fee-only Financial Advisors don't accept commissions or compensation based on product sales or other related costs. This means you get more comprehensive advice because they don't have to choose between what's best for you or what's best for them. Why is this so important in helping you minimize estate shrinkage and allowing you to achieve your lifetime personal goals?

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Topics: Financial Planning

Financial Planning Shifts: What Will the Next Four Years Look Like?

Posted by Doug Kinsey on Dec 1, 2016 2:12:59 PM

Every time the Presidency changes from Republican to Democrat or vice versa, the American public expects shifts in national fiduciary policy. That being said, we had a recent election, and President-Elect Donald Trump has now proposed many new policies, including adjustments to federal tax rates. He proposes, for example, eliminating the head-of-household exemption, which would impact single parents. Since we live in a period of flux, it's a good time to consider how to shift our financial planning goals, especially if our current investments aren't meeting our needs.

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Topics: Financial Planning

Happy Thanksgiving to our Clients and Friends

Posted by Doug Kinsey on Nov 23, 2016 9:48:01 AM

 

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Topics: Thanksgiving

Looking at the World Through a "Skilleidoscope" Part 4-Putting it All Together

Posted by Doug Kinsey on Nov 17, 2016 2:08:00 PM

In this final article of my four-part series on finding skill in the investment world, we'll walk through an example of how we can use our new skill-based process to enhance our chances for investment success. Up to this point, we've discussed the large role that luck plays in investing; creating our individual strategy; and some of the tools we can use to tease out luck from skill. We'll now put those tools to use.

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Topics: Investments

Looking at the World Through a "Skilleidoscope" Part 3 - Constructing our Lens

Posted by Doug Kinsey on Nov 10, 2016 7:00:00 AM

 

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Topics: Investments

Looking at the World Through a "Skilleidoscope" part 2 – Establishing our Perspective

Posted by Doug Kinsey on Nov 1, 2016 2:57:49 PM

 

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Topics: Investments

Looking at the World Through a "Skilleidoscope" for Better Investment Results

Posted by Doug Kinsey on Oct 24, 2016 3:39:13 PM

Have you ever looked through a kaleidoscope? You know, one of those tube-shaped objects with mirrors and colored glass that make beautiful patterns when you rotate it? I'm going to ask you to consider looking at your world differently, and consider the various roles that luck and skill play in almost every outcome. We're going to use a new tool, a "skilleidoscope" that will help us identify where skill is actually present.

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Topics: Investments

Artifex Financial Group's Quarterly Market Review 3Q2016

Posted by Doug Kinsey on Oct 20, 2016 4:20:10 PM

Here is our Quarterly Market Review for the 3rd quarter, 2016.  In addition to the usual statistics, we've included an article regarding presidential election years, parties and investment returns.

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Topics: Investments

Welcome to the Artifex Navigator

Commentary on the world of finance, and other things

We at Artifex believe in enhancing the wisdom of our clients and readers.  While most of our topics will be related to investments, personal finance, and the economy, we also endeavor to include thought-provoking commentary on topics that will help you expand your "mental models", as referred to by Charlie Munger and Warren Buffet. We want you to learn from us and others how to think logically and see the world through an informed lens.

Some of our regular topics include:

  • Monthly "Savvy Cybersecurity" updates with tips to keep your data safe
  • Economic and market commentary
  • Financial planning and investment management best practices
  • Thoughts to improve your mindset and your life
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