Tag Archives: Equifax

Q 4 2017 Newsletter Video Audio Podcast Review By John Kvale

Welcome to our Video and Audio Podcast Review of our Q 4 2017 Newsletter. For those on the road or just unable to grab the time to read, our podcast type review gives you the behind the scenes insight to our thoughts, observations and deep views of the entire Newsletter.

Click here for direct link to an electronic version (an early peek-good ole fashion paper versions are on their way to you shortly) and here for our Newsletter page

Let’s get going!

Q 4 2017 Newsletter

International Market Analysis

In a quest for value, it may be appearing overseas with our friends across the pond. Our core article of the newsletter discusses P/E Price Earnings along with the more smoothed CAPE or cyclically adjusted price earnings which is just a 10 year average ratio. With multiple looks at a long awaited possible long term positive trend, the next 3-5 years may be in the corner of  our overseas friends.

Tripit our App of the Quarter

After stumbling upon a neat app from a dear friend, “Tripit” makes our app of the quarter. Bet you have no idea just how many different reward programs you are involved … after loading them into our app of the quarter, your life will be easier.  Constant price reviews after the purchase along with multiple handy reminders may make this a fun – non financial review and item for you to try out this quarter.

Equifax Update and To Do’s

Our most popular posts on street-cents.com our blog, was the discussion of the Equifax breach. Our theme “Chillax” if our information had not been comprised before, it will eventually. The best defense in this case is an offensive preparation, BEFORE the next breach.

Break In: Yahoo announce after our discussion much more information had been compromised than originally thought …

Not IF, but WHEN our information is compromised …

1 Minute Video Reviews and Screen Shots

With tons of fun and compliments, our half dozen set of 1 minute video’s also make the Newsletter. If you like to talk like I do, full appreciation for just how hard it is to make a 1 Minute video… haha

Here is a link to our 1 Minute Video Page on our Website

Here is a link to all the Videos here on our blog

Parting Thoughts

Shhhh, we have a secret that we want to tell, but are forbidden for a couple of more weeks. We will only say it is an honor!

Watch for a reminder of our hopefully awesome Saturday Before Thanksgiving-Early November 18 Holiday Party at the Dallas Arboretum from 1-3 pm and free reign of the park until 5! Fun times !!!

Thanks for the time!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
www.jkfinancialinc.com
www.street-cents.com

September 2017 Podcast Video, Financial Planning and Capital Market Update- By John Kvale

Here is our August 2017 Monthly review. If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format.

Enjoy!

September 2017 Video

 

Financial Planning Tip(s)-

Equifax breach

One of our most popular posts this month was here on the Equifax Breach.

Update, it appears the site Equifax set up, after entering some of our individual information to see if our privacy was compromised, defaults to yes for everyone.

The good news was this breach occurred months ago and if we have not had problems yet, at least the aggressive hackers are not using our information.

As mentioned in our post, it is not a matter or if, but when our personal information we be divulged. We need to all act accordingly and protect ourselves to prevent the eventual problems a loss of our information may create.

Real Estate Wire Fraud Issuesfraud-2695269_960_720

Briefly, this important  post about Real Estate Wire Fraud is worth noting again. While after the fact, this type of fraud looks easy to detect, in the throws of what is a stressful time (buying a new home or the like) fraudsters are taking advantage of our vulnerabilities.

If there are any last minute changes to your closing, BE SURE to contact the receiving party to confirm they are legitimate.

Capital Market Comments

United States Dollar Talk

With a few “Sky is Falling” US Dollar headlines, we addressed these concerns front and center in this Post and also in our coming newsletter with the chart below from our fellow blogger and former economist  Scott Grannis and Bloomberg.

20170907_150433563_iOS

Not only is the Unites States Dollar not undervalued, its still too strong using recent history as a guide!

See you at the end of October.

Happy Fall Season!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
www.jkfinancialinc.com
www.street-cents.com

Equifax breach and what to do about it?

On Thursday of last week Equifax announced it had a breach of possibly 143 million people who may have a credit report on file.

Before you jump off a cliff, understand this ranks only as the Fourth largest breach in history…. big, but not even close to the largest from yahoo, about 1.5 billion from 2013-2014.

This is again a modern day Bonnie and Clyde!

Breach Occurred in JulyEquifax

Here is the website Equifax is giving for information that also contains a link to a page that will allegedly check to see if your information has been compromised.

Before you jump in and check your information on the Equifax site, read the following:

The website they have given to check to see if your information was compromised says yes to any inquiry according to a  New York Times reporter… hmmmm

What to do? – Calmly take actions

Assume your information has been compromised !- It will most likely be eventually anyway, if it was not already …. so again no jumping off a cliff, it’s better than be held up at gunpoint “Modern day Bonnie and Clyde”

Monitor your credit from now on- Credit.com, credit karma and many others that guard your credit are a good place to go. Many credit card companies and mortgage companies send your soft, high level score monthly, keep an eye on your report for fluctuations.

Check your credit annually,  here in our article on how to safely do this in what is called a soft check so as not to hurt your credit.

Have all of your credit cards send you an email after every transaction- its easy and a good safety net.

You can opt for the free Equifax year, if you do you must do this by November 21st. We would not recommend the monitoring after the free year unless you have an incident. There will likely be a large number of people who forget about the free year and actually become a paying client to Equifax after their breach… real irony !

Expect more breaches in the future, but if you have done the preventatives above, you will be fine.

This too shall pass and likely not nearly the incidents many are calling for!

End of our all our credit?  …. nah … pesky modern day Bonnie and Clyde, and a need to heighten our radars from now on? … YEP !

Have a Great “Less Worrying Credit” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
www.jkfinancialinc.com
www.street-cents.com