Author Archives: John Kvale CFA, CFP

Hard Rain Doesn’t Last as Long – Too Much of a Good Thing … Santa Overload

Given our Tennis travels we often find ourselves in some real crazy weather –

We have a saying “Hard Rain Does’t Last as Long” – because.. well it doesn’t, it just cannot rain real hard for a long time – Market Participants parallel here!

Too Many Santa’s

Last year we took a picture, this year we stopped and shot this video –

Seasons Greetings and Happy Holidays

 

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

Break In: Last Minute Tax Harvesting -Merry Christmas – Office Holiday Hours – Favorite Holiday Party Picture – First Day of Winter … Shortest Light day – Friday

Break In: With the recent market movement, tax harvesting was made more efficient – as such we made adjustments this week – much later than normal, but in taking advantage of what we are given, we jumped on the chance to shore up our taxes a bit more!

On Wednesday as mentioned here in our blog – we were spot on in what Capital Market Participants wanted – but Chief Jerome Powell did not lend any word to “One and watch” (raises that is) – not only did he not say one and watch, but he did say one and more -raises that is!

With a weak group of rookies at many a helm, market were sloppy- again as mentioned..

A possible government showdown shutdown left those same rookies running for the hills yesterday –

While many may say we have been given Coal for Christmas – weak hands lead to interesting movement – even during off times – Santa Claus Rally anyone??

Holiday Hours

Today the doors will close at noon as all of our gang’s are released for the Holidays ! Next week the doors will open mid-week briefly — I will be out New Years week as the school calendar once again this year pushed their holidays at the end of the calendar! Jen will be in late New Years week to hold the fort down!

Good News

Here we mentioned our new computers were to be installed – and as of yesterday we seem to have most of the kinks worked out – Faster, smaller, and much easier to remote in to is our Merry Christmas to us … gifts, by necessity… all good!

Favorite Holiday Party Picture Ever

The girls came up with this idea – and everyone loved it — My Favorite!

Jen Cathy and Monica

JK Financial Holiday Party - 111718 - Bret Redman -181

Happy Holidays

Today is Friday, and it is hard to believe the first day of Winter making it the shortest light day of the year! Ready for more light starting tomorrow – Finally!

Have a Great “Almost Christmas” 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

 

The New Normal – All Eyes on the Fed today – Raise ? More Raise?

Today at 2:30 Eastern time, Jerome Powell, the head of the Federal Open Market Committee (FOMC) will make the decision to hold to his earlier promise of raising rates  a tiny .25% and more importantly signal possible future rate increases…

The New Normal

By looking at this multi-decade chart below, it is easy to see that rates are no where near their highs…

After being low so long, the new normal may be lower – market participants seem to think/want so …

From our perch, the best outcome today would be a raise once and “check the data” statement …

We will know in a few hours- do not forget, there are skeleton crews on much of Wall Street – making for a possible sloppy response….

12-19-18 Fed funds

Have a Great “New Normal Rate” 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

The Wonders of Electronic Communication- Speaking of Technology, Our Nerd Holiday Presents … New Desktops installed today – Patience

There is some disagreement on who suggested we start a blog …

We struggled on the name – Street-Cents was a play on words and meant to decipher, and make fun at times of ridiculous “Breaking News” flashes …

It was really rough writing and no organization originally … Lot’s of writers block too !

Slowly, more people took notice …

Slowly the author learned how to deliver concise information that catered to the lack of time everyone has this day and age …

This post is nearing number 1500 – yes fifteen hundred posts/articles…

Our Blog Review

As of yesterday, our blog has been viewed 30,350 times from the following areas across the world…. WOW !
Stats ‹ $treet-¢ents — WordPress

Technology is making the world small (maybe flat?) and we really enjoy the ability to share information so seamlessly across the world….

Thanks to all of you for taking a few moments three times a week to review our “All Original” posts… We are glad to share the word!

New Desktops Today

After multiple “Blue Screens of Death” on Jen’s computer, we are having new boxes installed today – trying to get in front of the most ill timed crash, even though long time followers know we generally try to do our Technology upgrades during the slower summer season…

Good Bye old Friend….

Old Desktop

The new speed will be welcomed, but P-A-T-I-E-N-C-E  will be needed as we try to get the new machine working seamlessly before years end…

Have a Great “Nerd Christmas” 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

 

 

Donald “The Brain” At it AGAIN Early Next Year – Friday

Those long timers know Donald W. Capone III, CFA as our portfolio manager, planner and industry respected technology person, such “The Brain” label… as well as a super father, to top it off…

It’s  human nature to take this all for granted occasionally – he doesn’t fly like super man you know — haha – kidding!

The Brain Does At Again

Several years ago at an industry gathering of over 3000 folks in a western coast town, the key note speaker begins with a review of all the neat things that had happened during the year and those that were instrumental in developing these items…

32 minutes into the three day event, up pops … Guess who?

20170202_163108888_ios

A fellow professional tapped my shoulder, “Isn’t that your partner on the big screen?” “No he is at home this trip!” No, he was on the big screen talking of the use and adjustments of new portfolio tools…

Sorry the picture is not better, but it was the best possible on such short notice ….

This time he doesn’t catch us off guard as he is expected to speak to a large group early next year as well as attend several round table Q and A’s !

Well done DC “The Brain”

Ahhh … today is a Friday, closing in on a Holiday Season, New Year and some much needed R and R family time for all… Enjoy and 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.
jkfinancialinc
street-cents

Who brought the Grinch to a usually Happy December Markets – Three Possible Items

As we have mentioned here and here, November and December are historically the best times for markets, with the latter having pole position.

While no one knows for certain, and we are watching a ton of different indicators, here are three items of note, worth reviewing.

Before we begin, earnings – one of the most important part of capital markets future, are still positive and this year looks to be one of the best on record!

Three Grinch items to review

Inversion Watch – 10 year treasury yield

We have spoken tons of time about the inverted yield curve and a major part of that curve as well as the inversion, is the current rate of the 10 year yield. This chart shows the recent movement of the 10 year yield moving down – this could be expectations of a slower future economy/growth OR it could be just some big money buying bonds – either way, a Grinch twinge to the capital markets.

12-11-18 Ten Year Treasury

Technical testing of markets

Oddly, even as we mention in this post the Grinch – in reality the capital market participants are taking their sweet time to test and re-test their levels – ignoring the happy months of November and December – Whatever makes you happy guys!

12-11-18 SP 500

Is Sentiment Grinchy? – Worth Watching

With 2/3rds of GDP (Gross Domestic Product) being consumer spending, consumer confidence is one of the most important parts of the economy – No Grinch here!

Capital Markets have forecasted many more bad times than have occurred – but in so doing they have also accurately forecasted “Bad Times!”  –  For now, we are doing our “No Grinch” dance, but watching closely and respecting all!

Have a Great “No Grinch” 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

Cool Chart – How to Stay Invisible on the Internet … Timely

Facebookers have learned some of their information is not super safe….

Here, last year we calmed those that were worried about the data breach of Equifax, and the possible problems which, for the record, thankfully DID NOT OCCUR!

With these concerns and a more and more loss of privacy technology latent society, this chart from our friends at Visual Capitalist is one of our new all time favorites…

How to Stay Invisible on the Internet

It’s long…showing just how many ways we all access the internet….. maybe a manifesto would be the better term… ENJOY and good luck adjusting the electronics!

how-to-be-invisible-online

Have a Great ” Stealth Internet” 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