$treet-¢ents – Making ¢ents out of the senseless Capital Markets

Revisiting the 4% Rule … A theory that 4% draws are ok … In light of recent new publications!

A high-resolution, professional financial blog splash image set inside a modern corporate office. In the foreground, a dark wooden executive desk features an angled widescreen curved monitor on the left displaying a orange-line stock chart titled "US 10-Year Treasury Yields" tracking multi-decade market cycles, labeled "Post-2008 Worry Era" and "Recent Regime". On the desk sit two digital tablets showing financial graphs, a paper notepad, documents, a pen, and a white coffee mug. Behind the desk in the center of the frame is a prominent glass whiteboard featuring black dry-erase text and diagrams. At the top, "THE 4% RULE: THEORY vs. REALITY" is written with "4% RULE" circled in orange. Below it, handwritten notes read "Is a 4% draw rate truly 'SAFE'?" and "Bengen's Theory, Poked & Prodded!" Annotations lead down to a comparison diagram titled "MYTH vs. FACT: PORTFOLIO GPS", illustrating a fluctuating dashed line labeled "Fixed 4% Withdrawal" alongside a steadily rising solid green line labeled "Active, Adaptable Plan". The background features a spacious financial trading floor with large floor-to-ceiling windows overlooking a city skyline, an overhead ticker display showing market data, and background office personnel working at computer workstations under soft, modern lighting.

J.K. Financial, Inc. 4% Theory/Rule revisited Our Manifesto

John Kvale CFA, CFP
September 4, 2026

Clients/Clients only: Email of Expired Instructions …. Cyber back at it with Medicare Breach …

J.K. Financial, Inc. Expired Instructions no action needed

John Kvale CFA, CFP
September 2, 2026

August 2026 Financial Planning and Capital Market Audio Video Podcast format Review … 30th Annual Party Reminder/Invite … Cash Purchase Reminders … Social Security Reminder to review … FIMA/Bessent/Warsh … By John Kvale CFA, CFP

Infographic for the August 2026 Financial Planning and Capital Market Update. The top banner announces the 30th Annual Holiday Party on Sunday, Nov 22nd at 1 PM. The left column features a video and podcast player displaying the August 2026 Update title and a professional portrait of John Kvale. The middle column outlines Financial Planning Tips: 1) Cash Purchase Reminder regarding homeowners and title insurance, 2) Social Security Reminder to confirm annual benefit records, and 3) Bottom Line advice on account recommendations. The right column highlights Capital Market Comments including Bessent interactions and FIMA, Operation Baby Twist ($10 billion vs. the 2011 twist), and the Jackson Hole update with FOMC Chair Kevin Warsh. The bottom includes links for Videopress and YouTube.

August 2026 Review by John Kvale

John Kvale CFA, CFP
August 31, 2026

Warsh on deck at Jackson Hole … Old term making a come back … Friday

Long-term historical line chart from Koyfin tracking US Treasury yields from before 1990 through August 2026. US10Y (10-Year Treasury yield): Shown in orange, trading at 4.674% (+2.1bp / +0.45%). US30Y (30-Year Treasury yield): Shown in purple, trading at 5.192% (+1.8bp / +0.35%). Macro Trend: Both yields exhibit a multi-decade downward trend from near 9–10% levels around 1990, hitting extreme historical lows around 2020 below 1%, before steeply rebounding into the 4.5%–5.2% range by 2026.

J.K. Financial, Inc. Warsh on deck at Jackson Hole Old term making a come back

John Kvale CFA, CFP
August 28, 2026

One of the most important yet forgotten items when paying cash for a new home!

An infographic vector illustration titled "Cash Purchase? Don't Forget!" designed with a clean white and blue layout with green and orange accents. The center features a hand receiving a house key above the phrase "You are the protector." On the left, an icon of a house under a protective umbrella displays the text "Homeowners Insurance: Protect Your Investment." On the right, an icon of a document with a magnifying glass and shield displays "Clear Title: Title Insurance is Essential." The bottom banner reads "Have a Great 'Homeowners and Clear Title Reminder' Day!"

Homeowners and Title Insurance importance when purchasing a new home

John Kvale CFA, CFP
August 26, 2026

FIMA – Foreign and International Monetary Authorities and its recent use … Part 2

Image containing text from the Federal Reserve website explaining the Foreign and International Monetary Authorities (FIMA) Repo Facility. Heading: Foreign and International Monetary Authorities (FIMA) Repo Facility Paragraph Text: "The Federal Reserve established a repurchase agreement facility for foreign and international monetary authorities (FIMA Repo Facility). By creating a backstop source of temporary dollar liquidity for FIMA account holders, the facility can help address pressures in global dollar funding markets that could otherwise affect financial market conditions in the United States. Its role as a liquidity backstop also helps to support the smooth functioning of financial markets more generally."

J.K. Financial, Inc. Bessent FIMA use Part 2

John Kvale CFA, CFP
August 24, 2026

Operation “Baby” Twist … IRS sending notices all of the sudden! … More FIMA soon … Friday

Uncle Sam picture on the Beach

J.K. Financial, Inc. Baby Twist - IRS notices

John Kvale CFA, CFP
August 21, 2026

Podcast Celebrities from Visual Capitalist … Stunning Revenues!

A graphic box titled "Key Takeaways" with a dark green accent bar on the left, containing a bulleted list of three summary points: Joe Rogan leads the ranking with estimated annual earnings of $82 million. TBPN hosts John Coogan and Jordi Hayes rank second at $70 million following the podcast's acquisition by OpenAI in 2026. The top 20 span true crime, sports, business, politics, self-improvement, and pop culture, with every entry earning at least $18 million annually.

J.K. Financial, Inc.

John Kvale CFA, CFP
August 19, 2026

FIMA – Foreign and International Monetary Authorities and its recent use … Bessent Props the Japanese Yen … Part 1 ….

Image containing text from the Federal Reserve website explaining the Foreign and International Monetary Authorities (FIMA) Repo Facility. Heading: Foreign and International Monetary Authorities (FIMA) Repo Facility Paragraph Text: "The Federal Reserve established a repurchase agreement facility for foreign and international monetary authorities (FIMA Repo Facility). By creating a backstop source of temporary dollar liquidity for FIMA account holders, the facility can help address pressures in global dollar funding markets that could otherwise affect financial market conditions in the United States. Its role as a liquidity backstop also helps to support the smooth functioning of financial markets more generally."

J.K. Financial, Inc. FIMA Bessent JPY Intervention

John Kvale CFA, CFP
August 17, 2026

Back to School … Preview FIMA use, 4% Rule, Emergency fund … Friday …

An illustrated cartoon scene depicting the end of summer and the start of the school year. A group of four disheartened students with backpacks walk slowly toward a brick high school building. A large white banner hanging above the entrance reads "WELCOME BACK STUDENTS! STARTING THIS MONTRAY." A bulletin board to the right features flyers for "SUMMER CAMP PHOTOS" and "FALL SPORTS TRYOUTS," while scattered autumn leaves lie on the concrete sidewalk, symbolizing the transition into fall.

J.K. Financial, Inc. Preview FIMA, 4% Rule, Emergency Fund

John Kvale CFA, CFP
August 14, 2026