Hydrogen, a renewable savior option? Maybe!

We stay enamored with the future of our energy sources, and the future of our planet as well….

Another great chart from our friends at Visual Capitalist:

Hydrogen_Part2_V6

Have a Great “Possible Hydrogen future” Day!

John A. Kvale CFA, CFP

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

Why we write here on Street-cents! Explanation of Our Writings – Per Question from the Field (Readers/Followers/Clients)

It’s unclear who pushed across the finish line the final decision to start a blog – memory says a long time journalistic teaching sister, but the Mrs. says she had a hand in it – more to lose with crossing the latter than the former.

In 2010, almost two thousand articles ago, this Blog – Street-cents.com was started!

Recently an interesting article written by Seth Goden said the first 200 posts are the toughest. Not sure if that was true here, but it did take some time to get organized into the current three times per week posts and the discovery of subject matter –

Our Writings

Being shorter format here, when you guys show interest it spurs Newsletter articles, future ideas (Part 2 or 3) and deeper dives into similar subjects.

All of our posts are original such the occasional spelling mistakes, apologies!

Articles are posted M W F at 10:30 AM central time.

What a great way to pivot into subject matter based on YOUR interests.

What a great way to deliver information to a lot of people at once…

What a great way to speak to everyone during trying economic or market times…

Subjects are so various we know not all will apply, our hope is to cover so much ground that we eventually hit everyone…

We do this for information, education, self clarity, communication, and to let you guys know whats going on in our lives …

20190309_162121191_iOSWhen do posts get written?

Mostly at very odd times – The majority of this post was written during an early am rain delayed tennis tournament from a hotel room while waiting for it to dry- not kidding – not sure why the ideas pop up, but an attempt to get the information down here as it occurs seems to make for the best posts!

Why Videos?

Video is to get you even more the spirit of what our subject matter and for those less likely to read, but visually or audibly inclined…

We love it when you comment –

Please share with your friends!

We are complimented, and honored to have you take just a few minutes out of your day to read/listen to our thoughts.

Have a Great “Why We Write” Day!

John A. Kvale CFA, CFP

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

Sharpening the Saw at the Financial Planning Association Annual Convention …. Getting Closer to POOL time …

Thursday and Friday of this week were dates for the annual convention of our local Dallas/Fort Worth Financial Planning Association (FPA), the organization that makes up the Certified Financial Planning (CFP) designation….

We make great efforts to always make the event, and we did so this year …

Sharpening the Saw

Sometimes it can seem that we end up in a bubble of our own thoughts unless we get out and hear what others are saying, especially the so called “Experts” in our field….

It is nice to learn new ideas and especially nice when we hear of other “Trending Techniques” in the industry that we are already using…

Here is a neat chart from Thursday’s session that reminds us of the current income tax rates….

Tax Bracket Chart

There were over an hours worth of techniques around managing these rates … WAY more than can be explained here …. but all useful in certain situations….

With a fairly heavy week of information, we will ease your eyes and let you ride into the sunset of the weekend without further complication… we WILL bring some of this information to the forefront in the not too distant future… so your not off the hook completely…haha

Pool Time ? ALMOST!!!!

Having a totally outdoor family … and no Pool, the opening of local Pools is exciting….

It’s not here yet, but just one more week … Can’t wait !

Have a Great “Almost Pool Time” Weekend!

John A. Kvale CFA, CFP

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

 

 

Earnings Matter, ultimately the most, let’s take a peek at how they are doing

With earnings being the ultimate driver of Capital Markets it’s always good to stick our heads down into the weeds occasionally to see how corporate managers are navigating the waters.

Our favorite go-to source for this information is from our friends at Factset, a research arm that does terrific tracking …

Here are a few charts with our notes:

This following is an estimate of Earnings for the remainder of 2019 and for the year 2020 – notice expectations are positive year over year 2018 to 2019 but not much growth is expected from the analyst community – Tariff agreement would likely change this expectation quickly…

img_1243-e1557890593225.png

Next up, how the change in estimates has occurred in real time – take note of the drop near the end of the year 2018 – while it looks like a larger than normal drop, and we prefer it increasing, it is only about a 5% total expected drop but again still a year over year increase as seen from the prior chart.

img_1242-e1557890631119.png

Lastly, we had to throw one of our favorite charts in from our friends at JPMorgan – the lagging blue line, that actually looks out of place, is the current market expansion rate – note how slow this expansion (2007-current) has been. We find this very interesting as even the 2001 expansion was at a much faster pace than our current. Could we be entering an extended period of slower, but more stable growth? This would also speak to lessened concerns of inflation and lowered expectations moving forward…

img_1244.png

Overall, lets give corporate managers an A to almost A+, especially those dealing with overseas trading partners of any kind.

Have a Great “Update Earnings” Day!

John A. Kvale CFA, CFP

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

Why the fine print can still be important!

Occasionally it is easy to let our guard down and …. Trust the System….

While we try never to be negative, but slightly skeptical … helps keep unfair practices from our Wallets.

Recent Reminder of the Small Print

This is a quick snap shot from the cell, such the slight blurred view…

Yes that is an annual percentage rate charge of almost 100% – wish we could invest with those types of returns… but this is an annual charge … Think this is the highest charge ever seen…

img_2797

This offer came via a unique letter that look like an offer for a charitable donation … reading the fine print, it was actually a short term loan offer in disguise, sign your name and return the letter and your on the hook for an almost 100% annual loan….

Skeptical, not negative … it happens still ..

Hat tip ZC!

Have a Great “Read the fine print” Day!

John A. Kvale CFA, CFP

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

Mother’s Day Weekend – Friday

This week, our family received a Great Mother’s Day Gift as our tennis player won her first national tournament in Doubles.

Way to go Sophia !

Happy Mother’s Day to all ! Hope you enjoy!

Mothers day

Have a Great Friday and super weekend… talk to you next week…

John A. Kvale CFA, CFP

 

Sometimes Market Movements Make Sense – but not always

The Hissy fit that Capital Markets threw in late 2018 were puzzling, if not weird, at best.

Oddly, there are more times than not puzzling or strange market movement that the so called “Pundits” can reason why things occur, but really “Only the Shadow Knows!”

The recent market movement, although very small in context, makes sense.

Smart Market?

Over the weekend, it appears that talks broke down on the China trade deals, and Tariff threats have made the headlines again…

This is fast news and can change in a nano-second, so knee jerk reactions are NOT needed or worthy! 

This time, the market pause makes sense as increased concerns over the Tariff talks may cause slow downs in certain areas…

Here is a very short term chart that speaks to what makes some sense AT THE MOMENT!

5-7-19 SP 500

Will it turn into something more? Maybe, or Maybe not, but it does make some sense, IN THE VERY SHORT TERM!

Longer term, just a speed bump in the Parking Lot of Investing!

Have a Great “Sensible Market” Day!

John A. Kvale CFA, CFP

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