Category Archives: Education

Top 50 Websites in 2023, From Visual Capitalist … Feeling Well but from the Road!

Good news… the feeling under the weather is much better, still low on stamina but that will pass… other news… On the road most of this week, testing that Stamina comment ..haha

Sure we spoken of this before, but worth a revisit early on in the new year —

Top 50 Big Boy Web Sites of 2023

Thanks again to our buds and Visual Capitalist

Still no idea who Yandex is…and finding YouTube more interesting and a go to for almost everything including most recently product comparison reviews and electrical light switch installation help!

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

Look out Educators … AI (Artificial Intelligence- Chat GPT) Takes Education System by Storm … Uh oh!

Coming from a large family of educators, the 15 year old (Pierce) earlier this week proudly showed off the ability to type in a sentence and an AI (Artificial Intelligence) called Chat GPT spit out a beautifully complete paragraph about whatever the sentence described.

Uh Oh …

AI – Artificial Intelligence coming by storm

Those with super keen memories will note, a find of AI art via Dall-E-2 occurred earlier this year and with great relief, most of the non graph or humorous post pictures are now created via AI with just a request of a sentence and an all original picture is created…..

This image was made by request “Frog Unhappy getting an email!” used during an unsubscribe post here

But what if it was a paragraph request that sounds like the following:

“Write a paragraph about the signing of the declaration of independence in 10th grade level!”

Uh Oh

Trust us it works extremely well … so good Microsoft has an offer for 49% of the company for a mere $10 billion….announced today… just a few days after the 14 year old find….

Did we say this system has only been open to general users for a few weeks…. the reason we cannot show you the answer from above as the site has been down almost all day!

Good Luck fellow educators, this may be challenging!

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

Kastle Back to Office Update – New Measuring Index – Week Days in the Office … Ah ha

One of our favorite finds over the last two years is the Kastle Index… now indexes

For those newbies, this security company has taken the information and made it into a very useful index since they have the data from their security systems…

With a request from the field for more granularity on the calculation, (hat tip MR) a new data set/Index has been created that shows interesting but not surprising work characteristics…

Kastle Back to Work Barometer

Holding steady just below 50% – with some outliers on either side ..

Kastle Over Time Occupancy Measurement

Another view of the leveling off of back to work characteristics near the right of the graph…

Kastle Weekly View

Here is the new view that brings some clarity to the overall back to work index….. Monday and Fridays are clearly work from home days still!

We have lessened our reviews of this type of information, but still find this worth a look, especially if there are new data series, such as this!

Have a Great “Back to Work more Clarified” 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” gets asked to be “Brain Date Ambassador” (Cannot make the name up) at upcoming conference … Well done and Congrats

Newbies may not be in the know, so we will happily give a little brag to our resident “Brain”… Donald the Brain that is…

When first announced many years ago … new access to some extremely sophisticated portfolio software tools became available, after tons of due diligence … Donald was ready to take it under his wing and we were off to the races…

Word sneaked out of his use and knowledge by the developers and later he became a Beta user, The Brain was instrumental in trial runs of updates and changes in programming as well as new design directions and applications….

Total control of positions, taxes, possible tax scenarios, specific level basis control to mention a few were the platform features … in non- “Wall Street Gibberish” controlling risk in our investment portfolios and paying as few taxes as possible… is the main function of this software…

The Brain First Surprise

Here is an post from an event in 2018 — to give you a bit more granularity

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…

The Brain as Brain Ambassador – Requested Yesterday

The inbox of Donald showed a request yesterday of being a coincidentally named “Brain Ambassador” have not gotten to the bottom of the request name yet but running with it for now….

Apparently someone still knows his knowledge of the platform!

“Would you be willing to have advisors have a Brain date at the conference and answer specific questions about the software?”

Honor and a pleasure…. yes of course he will…

Well done “Donald the Brain” autographs please….

Have a good day and Friday and enjoy your weekend…. Travels next week .. but will still be chirping here!

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 October can be a Bumpy Month … Halloween? No

Our content in this venue is sometimes informative (we hope), sometimes clarification of headlines, sometimes educational, sometimes humorous and self-deprivation, and in this post more of a diary for our own education and collective remembrance.

Why October can sometimes be spooky for Capital Markets?

Probably the spookiest October that many may only read about is October 1987, but long-term historians will note that while the fourth quarter is generally a good quarter for capital markets (likely not the case this year with a FOMC yielding an interest rate rocket – ok, digressing), October can be rather spooky.

Why?

Year End for Many Mutual Funds – A very large number of mutual funds in the order of North of 20% have their year-end in October. This creates unique pressures across-the-board both on stocks that have done bad and false increases on stocks that maybe have done good as mutual funds close their books down for the year. As a sidenote last month, September garnered over 10%-year end mutual fund companies.

Black Out – With the official start of earning season being early October, publicly traded companies are restricted from purchasing their own stock. As of the most recent reading approximately 30% of exchange volume was estimated to be company buy backs…. Yes, your read that correct…30% of daily volume … Wow! Once the black out commences, by law companies are no longer allowed to purchase their company stock until a certain date after their public filing. The purpose of this is of course to cut back on any perceived manipulation. This absence of a normal one third volume of trading can make for “thinner” markets and spookier.

Confession Time – The Clock has run out – Publicly traded companies, many of which are on a fiscal year (tax year ends 12/31), the final quarter becomes the quarter of confession especially If earnings are skewed much differently than what capital market participants expect. This force is a pseudo-named “Confession”, as the calendar has just run out of rope forcing the final grade for the year in some cases.

Seasonality – As mentioned above, weird things have happened in October, creating a weird feed back loop. This means, that by knowing sometimes things can get spooky in this month, market participants and thereby Capital Markets can get spooked easier!

Mix it all up and we get a witch’s Brew of spooky times in October. 

But guess what?

We have let you know in advance, and we are not calling for a Spooky month, but there is a reason this post/memoir/diary is coming out now…. Just after a few spooky huge up days in Capital Markets…

Boo… We have your back!

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

Finally Use of Electronic Wallet … Time Saver as Jogging season kicks in … Friday before week of Travels

It’s Friday …. How about a non-financial … fun education personal experience …. Let’s go!

With a challenge from several friends for a half Marathon in the fall (13.2 miles) the jogging arm band for the cell in order to listen the afore mentioned podcasts is in full motion.

Most joggers, present party included hate ANY type of pockets, or any items that would bounce/chafing as the jog continues….. aka no wallet or cash or credit card !

Post a jog … in a familiar place the front of the grocery line and without a form of payment…. A mandated new transaction was on (hunger over technology embarrassment)

Meet the Cell Phone Wallet

The growling stomach and the few fellow shoppers over the shoulder mandated a Wallet payment attempt…. yaa yaa probably a lot of you already know this, but I bet a few were similar and only put their boarding pass in their Wallet….

Looks like this:

You can put more than just boarding passes… i.e. Payment Cards…

Pick the one you use and push the phone towards the checkout device (luckily this was a feature…sure not all devices have this) a face or code is entered on the cell ….. and boom, transaction completed (at least that is what happened, was the first!)

Speaking of Boarding Passes… Next week Garners (Happily) mid-week travels…. but always tethered by electronics ….

Talk next week – some from afar- but still talk!

Enjoy your Friday and 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

Super Handy Computer Screenshot Feature … Friday

About a two years ago, the number one son (Pierce) after watching struggles on completing these posts, formatting problems incorrect file format….

“Want me to show you an easy way to get that chart into your post?”

Windows key, shift and S key all at the same time!

This puts your screen into a cropping copy mode and you just drag the mouse to what you want copied to the clipboard…

Looks like this … always use the crop mode, but in doing this post realized there is a lasso and full screen mode as well…

Brilliance!

A huge time saver!

Used every week and often multiple times weekly and frequently all in the office use as well!

Known as the Pierce Screen secret!

Another break from the Financial “Stuff” All bets are off for next week…. Newsletter gets more words this weekend too!

Have a good day, Friday and Weekend – talk 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 Drinks the Most Beer? …. Visual Capitalist …

Almost hit you with …

“A hotter than expected CPI (Consumer Price Index) led market participant selling yesterday!”

Heck that is old news and news we expected and items we have been talking about a lot AND will talk about in our coming Newsletter….. We are prepared….

How about some fun?

Who Drinks the Most Beer?

From our favorite friends at Visual Capitalist

How about Per Capita

Go Czech republic go Wow! 28th Consecutive Winning Year…. Wow Wow!

Have a Great “Beer Consumption Informed” 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 Most and Least Livable Cities Globally … Light Viewing to Start the week … From Visual Capitalist …

From our favorite interesting facts website and friends, Visual Capitalists ….

While promising a lighter week last Friday, the month passed faster than thought, mandating our Monthly review mid week…. so a bit heavier than promised… with travels on the Docket this week and a Long Holiday Weekend… Friday will be light for sure!

But heck it is a Monday and this is a neat light start to the week…. while very quantitative, you need to be a very worldly person to have an opinion ….. no USA locations made the list!

From the Article ….

This map uses annual rankings from the Economist Intelligence Unit (EIU)

A Quick Note on Methodology

The ranking attempts to assess which cities across the globe provide the best living conditions, by assigning a score on 30 quantitative and qualitative measures across the five categories with the following weightings:

  1. Healthcare (20%)
  2. Culture & Environment (25%)
  3. Stability (25%)
  4. Education (10%)
  5. Infrastructure (20%)

Have a Great “Best and Worst Cities” 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

Bloated Inventories – Using Wall Street Knowledge for Main Street Use – Good time to make a MANDATORY Purchase

The headline almost read “Good time to make a Discretionary Mandatory Purchase”, but not being an English expert that probably is some sort of a miss punctuation or double negative…. Yes Mrs. Cane (English Teacher) still not good at punctuation … digressing…

As a Frugal Financial Advisor, “Mandatory” is placed squarely in the headline on purpose! But we wanted to bring Wall Street mishaps to Main Street savings.

Now is a good time to make a Mandatory Purchase

For those not following Wall Street ….the major retailers in an effort to overcome some of the supply chain issues have greatly overstocked their inventories by accident…..  At this time this includes almost all of the major retailers and most of the electronics retailers but not yet as much the major home and home builder type of stores. 

Not only are the inventories bloated, but companies are warning margins will be lower as they blow out these inventories…..

Here’s the sizzle, using our self as an example with the aforementioned signing of our new five year extended lease, as a regular practice it’s time to spiff up the office.

We have found fantastic electronic deals as we are in the process of upgrading much of our non-core computer items.

Again if you have a pseudo-mandatory purchase, the bloated inventory and markdowns which many publicly traded companies have already stated they are aggressively doing, may be a handy time to make again a “Mandatory” purchase.

While prices are likely at low levels, they can always go lower, but we have found seasonally around the holidays frequently prices pop up in advance to only be marked down to the normal price.

Again this is not a greenlight to go recklessly purchase items, and it may sound funny from a Frugal Financial Advisor to mention this, but we are taking advantage of something the largest retailers and electronic stores are telling us and in our experience are finding good deals on these “Mandatory” upgrades.

Have a Great Frugal Finder 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