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

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

The Market Structure has continued to changed … Why we need to understand!

Title: Chasing Speed: A timeline of Progression in Racing, Running, and Internet. Indianapolis 500 Winning Times (Green Trendline): Tracks winning race times decreasing from Ray Harroun in 1911 (~6 hours 42 minutes) through Bill Arnold (1930) and A.J. Foyt (1961), down to modern times around 2 hours 50 minutes. Fastest Mile Run (Orange Trendline): Highlights running speed progress starting with Walter George in 1886 (4:12.75), Roger Bannister breaking the sub-4-minute barrier in 1954 (3:59.4), and Hicham El Guerrouj setting the world record in 1999 (3:43.13). Global Internet Speed (Blue Exponential Curve): Demonstrates rapid technological growth starting from 1990s 56kbps dial-up, moving through 2000s broadband (1–10 Mbps) and 2010s fiber, up to 2020s gigabit fiber and 5G connections (1–2+ Gbps).

J.K. Financial, Inc. Market Structure Update - Faster and Faster

John Kvale CFA, CFP
August 12, 2026

Why you should Check your Social Security Statement – No Matter your age! Confirm you received credit for your Payments/Earnings History! Going on Five time to fix ours!

Double Check that Social Security Statement

John Kvale CFA, CFP
August 10, 2026

Market Structure Preview … On the way back home … Friday

J.K. Financial, Inc. Market Structure Preview

John Kvale CFA, CFP
August 7, 2026

Google is great, but DO NOT use it for searching for a specific website address! Second Clever Cell Text in two weeks – Be Careful!

An infographic titled "Boost Your Cyber Safety Today! 3 Essential Tips to Protect Your Digital Life." A hand holds a smartphone displaying two browser examples: typing a web address directly into the URL bar is marked with a green "Correct" checkmark, while searching for a URL in a search engine is marked with a red "Incorrect" X. A warning bubble next to the phone features a phishing hook icon and says, "Watch out for Scam Texts! Do NOT Click." In the bottom right, an icon of gears and a download arrow is accompanied by the text, "Software Updates: Keep Your Devices Updated and Patched Regularly!" The bottom left corner features the text "Cyber Safe Blog" against a light blue background with faint digital circuits and padlock icons.

J.K. Financial, Inc. Cell Text and Cyber Update Reminder

John Kvale CFA, CFP
August 5, 2026