Here is the link (which is a private page) to The Pursuit of Financial Happiness(TM) Daily Research Links for Week #388. I am now working on Week #399. The Week #388 is a Pdf which is ten pages long with active links for you to follow. You may want to bookmark the above Daily Research link and visit as you have time. These links are available on a current Daily basis by e-mail (just those days links) to subscribers to The Pursuit of Financial Happiness(TM) Daily Research Links. To request a subscription, contact me at mjscpa@sbcglobal.net.
These links contain differing viewpoints which are worth reading and, therefore, do not connote my approval or disapproval. They are articles, audio, video, Pdf documents, studies, etc. on macroeconomic and financial issues of value in understanding what is going on in various countries, the world, and the markets.
You might also want to check out the home page of my professional website www.mjscpaplan.com.
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Thursday, November 2, 2017
Monday, October 16, 2017
Daily Research Links for Week #387 (August 7-13, 2017)
The Pursuit of Financial Happiness(TM) Daily Research Links for Week #387 are 12 pages long and can be found here. I am presently working on Week #397. The Daily Research Links contain a variety of viewpoints worth reading and digesting; it should not be assumed I agree or support any particular viewpoint, particularly when I am presently a variety of viewpoints on an issue or subject.
These Research Links are in the original language, may contain audio, video, long studies, etc on macroeconomic and financial issues These help me understand what is going on in the world, in different countries, market sectors, companies, and economies.
These Daily Research Links can be sent by e-mail world-wide on a current daily basis if one wishes to subscribe by contacting me at mjscpa@sbcglobal.net.
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These Research Links are in the original language, may contain audio, video, long studies, etc on macroeconomic and financial issues These help me understand what is going on in the world, in different countries, market sectors, companies, and economies.
These Daily Research Links can be sent by e-mail world-wide on a current daily basis if one wishes to subscribe by contacting me at mjscpa@sbcglobal.net.
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Monday, October 2, 2017
Daily Research Links for Week #386 (July 31 - August 6, 2017)
Here is the link to The Pursuit of Financial Happiness(TM) Daily Research links sent daily to subscribers world wide for Week #385. It is 13 pages long. I am now working on Week #395.
As I have indicated, the links do not reflect my agreement but only that they are worth considering. The links may be audio, video, pdf documents, long studies,as well as news and other articles, and are always in the original language (not translated).
This is research I do on a daily basis as a fiduciary fee only registered investment advisor. No matter where you live in this world, if you wish to subscribe to The Pursuit of Financial Happiness(TM) Daily Research Links you may contact me at mjscpa@sbcglobal.net.
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As I have indicated, the links do not reflect my agreement but only that they are worth considering. The links may be audio, video, pdf documents, long studies,as well as news and other articles, and are always in the original language (not translated).
This is research I do on a daily basis as a fiduciary fee only registered investment advisor. No matter where you live in this world, if you wish to subscribe to The Pursuit of Financial Happiness(TM) Daily Research Links you may contact me at mjscpa@sbcglobal.net.
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Friday, September 29, 2017
Data Breach: Lock or Freeze Credit
If you have had your credit information stolen or exposed to a data breach, such as Equifax, you need to monitor your credit and bank accounts.
The data breach at Equifax apparently compromised personal information in one of its credit monitoring programs (where consumers can "safely" have their credit monitored for unauthorized use) which included birth dates and social security numbers. While they are now offering a free (and new) lifetime credit lock program where you control who has access to your credit information, I would be reluctant to trust them again. Their initial response to the data breach was tardy and the initial data breach customer service website they set up looked like a phishing website.
If you have recently received notification that a debit or credit card is being replaced as the result of a data breach, you would be wise to assume it is probably Equifax related.
Immediately monitor your credit card and/or bank accounts twice daily. You can use Credit Karma to monitor Transunion and Equifax and Credit Sesame to monitor Experian; both are free. I would avoid any credit monitoring service which charges a fee.
For the most part, a credit lock program are designed to be continuing fee services and are marketed by credit reporting services, while a credit freeze involves an initial fee and a fee for each temporary lifting (should be $10 --- if you are over 65 years old, an active duty military, or a victim of identity theft it should be free). The Illinois Attorney General provides information, including form letters for each credit reporting service, on what the fees should be for different individuals and I would expect other state attorney generals to also provide this information. You should also be able to get non-state specific information from the Consumer's Union.
On the whole, you would probably be better off with doing a security (credit) freeze then getting netted by what is normally a more expensive credit lock marketed program. Do the credit (security) freeze.
Update 10/3/17:
It may cost victims of Equifax data breach $4.1 billion to freeze credit.
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The data breach at Equifax apparently compromised personal information in one of its credit monitoring programs (where consumers can "safely" have their credit monitored for unauthorized use) which included birth dates and social security numbers. While they are now offering a free (and new) lifetime credit lock program where you control who has access to your credit information, I would be reluctant to trust them again. Their initial response to the data breach was tardy and the initial data breach customer service website they set up looked like a phishing website.
If you have recently received notification that a debit or credit card is being replaced as the result of a data breach, you would be wise to assume it is probably Equifax related.
Immediately monitor your credit card and/or bank accounts twice daily. You can use Credit Karma to monitor Transunion and Equifax and Credit Sesame to monitor Experian; both are free. I would avoid any credit monitoring service which charges a fee.
For the most part, a credit lock program are designed to be continuing fee services and are marketed by credit reporting services, while a credit freeze involves an initial fee and a fee for each temporary lifting (should be $10 --- if you are over 65 years old, an active duty military, or a victim of identity theft it should be free). The Illinois Attorney General provides information, including form letters for each credit reporting service, on what the fees should be for different individuals and I would expect other state attorney generals to also provide this information. You should also be able to get non-state specific information from the Consumer's Union.
On the whole, you would probably be better off with doing a security (credit) freeze then getting netted by what is normally a more expensive credit lock marketed program. Do the credit (security) freeze.
Update 10/3/17:
It may cost victims of Equifax data breach $4.1 billion to freeze credit.
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