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Savvy Cybersecurity March 2017 Edition

Posted by Doug Kinsey on Apr 21, 2017 9:47:02 AM

In this issue:

  • CIA's Vault 7 and How to Hack-Proof Your Devices
  • Emerging threats: FAFSA tool brought offline after criminal activity, ransomware hitting Macs, and more
  • Cybersecurity shorts: Russians charged in Yahoo breach, 99% of Android users are vulnerable to security attacks, and more
  • Software updates
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Topics: Savvy Cybersecurity

First Quarter 2017 Market Review

Posted by Doug Kinsey on Apr 18, 2017 10:36:54 AM

Our quarterly review of the markets is complete and ready for your review.  You may read it by clicking here.

As always, let us know if you have any questions.
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Topics: Investments

Savvy Cybersecurity February 2017 Edition

Posted by Doug Kinsey on Mar 13, 2017 12:30:55 PM

In this issue:

  • New Tax Season, New Tax Frauds
  • Emerging threats: Can you hear me? scam and a new form of skimming
  • Cybersecurity shorts: President Trump's cell phone, a hotel chain breach, last year's cost of identity theft, and more
  • Software updates

Welcome to the February 2017 edition of the Savvy Cybersecurity newsletter. As always, this month was full of cybersecurity happenings—from a fast food restaurant breach to a police station hit with ransomware.

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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

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
Please join us on this journey!

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