Coming Soon ANOTHER Sizzling New Vault Feature – Estate Planning Flow Chart (Clients)

In our final sizzle feature (most likely) for this year (16) for our New Total Vault, we wanted to wet your appetite and let you know this feature is available and will be rolled out slowly due to the complexity.

Estate Planning Flow Chart

We get the Wills complete, the Trusts are set up, the beneficiaries appointed, and the decisions made. Then we stick all those fancy documents in our New Total Vault and the originals in our safe place…and…. well …. we forget what we set up !

NOT ANY MORE !

Your New Total Vault has not only an Estate Planning Flow Chart, but an all inclusive calculator and estimator.

Check this out:

Easy to visualize — once set up, can be created with live information at the click of a mouse!

Flow Chart for Estate Planning

Here is the calculation section:

Estate Flow Chart Calculations

 

Our Goal is to have this up and running for everyone as we review our Estate Planning Documents… Lofty… yep…just a step for steppers!

If you have  a desire to complete this early,  just let us know, we will move you to the top of the working group !

Have a Super 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

 

Third time is charm for nasty 1 800 Virus – BEWARE

Over the summer, while out of the office upon visiting a non-professional web site, an announcement popped up and my computer began talking to me….

“Alert… alert… you are about to get a Virus on you computer… Call 1 800 …”

Third time is a Charm

Last week we heard of a third such incident of such virus… BEWARE !!

What is interesting is in our small sample, this same virus has invaded both Windows and Apple products… A few handy steps and remindersVirus

  • Do not call…it is a fake
  • Make sure you have updated the latest updates of your platform
  • Run a virus scan after you stop the program

 

 

Modern Day Bonnie and Clyde … invasive, but not as dangerous !

Have a Great 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

 

 

 

 

 

 

Vacation Galore… or not …Back to School

Those with kids in the system hurry to get in the last bit of freedom before the school year gets going. This week, and the next, make up some of the busiest vacation weeks of the year. Low trading volumes, “out of office reply” and voice mail pile ups set the tone..

Those WITHOUT kids in the system are ready for the others exit ….. the rates drop and the space is ….well  … available… cheers to all of you wise ones !!!

My residence is in the former group…it’s all good !

Back to Black(School)

According to my gang, Monday the 22cnd “The Official” start of school is a death sentence … known as Black Monday (The Capone homestead started this week!) 

Someone told me the kids were sad and mad … Catchie and true!

  • Early to bed, early to riseA photo by Brooklyn Morgan. unsplash.com/photos/vlSyS1VLCoQ
  • Study
  • Structure
  • Learning new things
  • Shorter daylight (personal least favorite)
  • Pool Closures (OUCH)
  • Meeting new friends (this point is ok!)

These events come all at once, again according to my gang … to make for nothing short of torture … the end of summer break..

BUT … but  the start of multiple sporting seasons ? Crickets….

Ahhh… all of this starts next week…at least for my gang…

Enjoy your Friday and your weekend ! Talk to you next week!

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

 

New Personal Vault Handy Uses – Secure Handoff Via Upload – Ideas for Safekeeping Items (Clients)

Occasionally we have such secure documents that sending them over the world wide web is just not a good idea. Documents containing Banking information, complete Social Security numbers, estate documents, tax information, or other similar types of confidential information are good examples of super securely needed transported documents.

New Vault Secure Handoff

Not to worry, we have a solution !

Navigate to your New Personal Vault and upload that document securely to the shared folder and we will be able to download it from our side, completely avoiding an email on the web. NICE!

What to save in your Vault?

  • Wills and all Estate documents- fast, easy access
  • Tax information
  • Voters Registration Cards
  • Pictures — Your kidding.. no we are not — You can save those in your My Docs folder — we will not see them – but you will still have instant access

Anything you need access !

Break In – How about a folder system for your auto repairs and servicing ? Just set one up for myself over the weekend — finally a good place for that information- rather than clogging up the glove compartment !

Here is an exhaustive list that actually resides…. In your Vault !

Vault List 1

Vault List 2

Ok.. Ok… you get the point… Great, Safe, place for FAST access !

Have a Great 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

 

 

What to do when your email is hacked ?

Although slightly less invasive than having your identity stolen, losing control of your email can be dangerous and should not be taken lightly.

Break In– Recently we helped a relative discover a nasty email hack on an IPhone… It was called “Prayer of the Day!” and downloaded a bogus and controlling email on the IPhone .. as far as we could tell, no damage was done, however the hack was the best and most controlling we had seen… Bottom Line… BE CAREFUL when you click on unknown links…even if they may seem harmless!

First, just as in the identity loss, breathe … this likely will not be the last time such an event occurs, and if you are lucky, it is the first….

Here are the steps:

  1. Change your password- fast- make it complex, preferably with symbols as there are only 26 English letters, nothing to a savvy hacker!
  2. Other Password used sites- If this was your favorite password…the secret is out, time to change it on all of your other sites you use it !
  3. Recapture your email – Contact your provider or follow the steps to regaining control of your email if you have lost it (Many times you may still have control, if so you may ignore this step)
  4. Sent box review – Look in your sent box to see if any sent emails are found – See next step
  5. Notify your contacts- It is a good idea to let those that may have received a bogus email from you that you have been hacked – Not to worry, they will understand… heck they may be on the other end of the hacking eventually anyway!
  6. Run your Virus Scan – There may still be something in your system, it is a good idea to run a complete scan of your computer after you have updated the above information — it is possible you will find nothing…safe over sorry !

Preventive Steps

  1. Watch Out – Be careful when clicking on ANYTHING unfamiliar
  2. Help thy neighbor- If you see something fishy from a friend or contact, let them know immediately…this may stop the spreading of unwanted hacks…

Modern Day Bonnie and Clyde

In the old days it was a weapon … this seems to be the new way of destruction … annoying, painful, unnerving …. but not as dangerous…!

Have a Great 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

 

 

 

 

Boring but beautiful … Olympics … Hot Hot Hot … Tennis weekend…

There is an old Wall Street saying… goes something like this…

“Never short (bet against) a sleepy, boring Market!”

The most recent week was record breaking in lowest volume, boring and non-interest… all the while, domestically and across the globe…. markets grinned in beauty as they climbed higher… NICE!

Things getting better? Markets sure think so!

Olympics

Are you guys as interested as we are? What can you say… Phelps is incredible … more gold’s than he can carry… Looking forward to more events !!

Temperatures

Hot Hot Hot…. Those of you reminding me that as winter ended we stated we would not gripe about the soon coming warmth….So we are not complaining.. just saying, as we wipe our brow…

Speaking of hot…. a slightly western state tennis tournament for my 11 year old this weekend looks to be interesting….

Ahhh…but today is a Friday… Enjoy the last few summer Fridays as they are coming to an end soon ! All Good !

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

More Sizzle from the New Personal Vault … Living Net Worth and Bank Ready Asset and Liability Page… Sizzle Sizzle (Clients)

So we now know how to find your New Personal Total Vault, you know how to load items into your Vault and link any and all asset accounts, from anywhere.

As a result of all of that hard work, our next Sizzle is a living Net Worth and Bank Ready Asset and Liability page…

If we have successfully linked all of our accounts and updated our property and other values, this sheet will be accurate on a daily basis…WOW !!

If you are having troubles linking… NO PROBLEM we can help with all…. just let us know what you are having issues with !

Did we tell you this would be easy? Well it is !  HERE WE GO…

Log in as you usually do

Click on the Reports Tab, (Circled in Red)

Your Net Worth Statement will appear, (Circled)

Click on Web Print (Circled in Red) to download a printable, controllable Net Worth Page .!!

Net Worth Shot W Red Circles.jpg

 

For those that need a bank signature ready Asset and Liability page, we have you covered too!

Click on the Report Selection drop down tab (circled) and click on Asset and Liabilities Statement

Statement of A and L W Red Circles.jpg

This is a rather long report, as such we cut to the bottom so you may see the signature area

Statement of A and L SIGNATURE W Red Circles.jpg

Again, you may utilize the Web Print Feature to get a hard copy of this report and keep your banker happy !

Hope you think this is as neat as we do !

Have a Great 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