Category Archives: Education

Plate Tectonic Evolution from 1 Billion Years Ago to the Present in 40 Seconds ….From Visual Capitalist and Earthbyte

Our friends at Visual Capitalist drew attention to this awesome visual, but we had to source the information for posting on our website at YouTube from Earthbyte …

Here is the Visual Capitalist

Here is the YouTube site for Earthbyte

This is worth 40 seconds IMHO

Very cool and helps understand the Earthquake frequency better!

Enjoy and thanks again Visual Capitalist and Earthbyte!

Have a “Better Plate Tectonic Shift Understanding” 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

Interesting Fleet (Boat) Monitoring Site MarineTraffic.com – The Worlds Water Transportation

We continue to find very neat websites that are great for monitoring various types of population and transit….

First it was the TSA its self….

Then a VP seeing our research showed us her company website that has fancy enhanced features at Fligence.com

Then we stumbled upon the Kastle back to work monitor

Then Indeed job openings indexes

Now another new tracker… but this time boats!

Marine Traffic – Marinetraffic.com

Last week on an Institutional Investor conference call, one of the presenters mentioned watching Marinetraffic.com

Music to our ears…. another cool way to review the Economy and world transit.

The following is from the website, but there is also a very neat downloadable cell app, that has most of the same features.

With a monthly subscription (certainly a Naval person’s must) you can slice and dice the worlds naval transit in almost any way one would want….

Without a subscription, our situation, there is still a TON of neat information— on the live site you can hover over each boat and get more information!

All Ships

Cargo Ships

Pattern is very interesting, looks like close to shore for protection?

Tankers – Oil, LNG and other similar commodity transportation

More direct and less shore line hugging- interesting – maybe they are bigger?

Fishing Boats – How neat is that!

Satellite tracks these guys …certainly in areas that would be expected- warm!

USA Coasts– Wow – Gulf of Mexico

Look for us to review this in the future….

Sure wished we would have known of this before, but better late than never!

Have a Great “Marine Traffic” Day!

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

Department of Defense Releases UFO Statements and Video, Another Full Report Due Any Day Now

So we always talk Economics, Financial Planning, Interest rates or other Financial “STUFF” ….

We do read other subject matters … and have a funny sense of humor (some may say weird or strange, but that is ok-haha) … We wanted to bring your attention to a soon to be released report from the Department of Defense.

In a cannot make this up manner, the December 2020 Stimulus package included the mandatory release of UFO information within six months of the bill…. that would be by the end of this month…..(Ok, so we drifted back into Financial STUFF again)

No idea why or how a UFO report release founds its way into a Stimulus bill, but again cannot make this up!

One of Many Prior Releases

In doing our research we ran across a neat release that pointed us to a video that was downloadable…..

On April 27, 2020 the Department of Defense released a Navy Pilot video…

Release statement

Here is the video:

Over the last four years, there have been a dribbling of reports released. Here is a good article from Scientific American printed yesterday that takes enough sides of UFO’s, no matter your thoughts you will be supported…

Not sure why these releases are happening …

No idea why now ….

Will be very interested in reviewing the new release, which if holds on due date has to be released in the next few weeks…

Odd this was embedded into a Stimulus Bill…

Have a Great “UFO Report Release” 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

Fun Friday Challenge – Notice the Paper Vehicle Plates – Family High of Seven in One Four Mile Radius

We have spoken of this before, but recently on a fairly short jog of four miles, seven paper vehicle plates were spotted. Over the past few weeks the family has been counting relentlessly to see who can see the most in an outing.

Fancy locations seem to have fancy vehicle paper plates, with more normal areas having more normal vehicle paper plates, but THEY ALL seem to have tons of paper plates!

Who is buying all of these New or New to them Cars?

Buyers Versus Inventory – It Makes Sense Now

You know we could not leave this alone…just too interesting!

Inventory Down

Sales Up or at Least Rebounding FAST

Long journeys will likely lead to a much larger number than we have topped so far…

So your fun weekend challenge, see how many paper Vehicle plates you see over the next few days!

Have a Great Day, Friday and Weekend – Thanks for reading, 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

Most Popular Cities Measured Monthly 2004 to 2020 – Animated Chart from Latos Charts

With a heavier, long Monday post and in the throws of Taxes for many, present party included…. we went light with a fun animated chart for you viewing pleasures!

From Latos Charts YouTube Channel

Had no idea how popular Paris France is!

Based on top 15 City Internet Searches

Music: Kevin Macleod

Have a Great “Most Popular 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

Make it to Year 2030 and You will Likely Live Over Age 100 – From Mauldin SIC Conference

As noted with our excited post last week, we are once again in the throws of the John Mauldin SIC – Strategic Investment Conference.

So far this years most ear catching moment has nothing to do with finance but comes from two Doctors who are repeat speakers from last year to give the group a Covid related update.

Their predictions last year (think at a time where a lot of uncertainty abounded) were spot on and almost unbelievable accuracy. So accurate they hardly needed to update their presentation.

Knowing we teased you with the headline, stay with us please … and take a quick moment to review these two Doctors backgrounds/Credibility! – Pretty Awesome stuff!

These guys are not show boaters!

So maybe not Dr. Culver’s best look … think super smart professor we have all had in our life!

Make it to 2030 and You will Likely Live Over Age 100

My mouth almost dropped when I heard these two stately Doctors utter the words above.

There is a super cool chart that the Doctors had in their slide deck, and of course it is the ONLY slide that had “Not for Reproduction” …. so in honoring their request … here is a recreated slide from their predictions.

Since 1850 average mortality has increase 2.5 years every ten years.

From 2020 to 2030 the Doctors believe we will see an increase age expectancy of 30 years, yep THIRTY!

That is the huge jump in the chart on the very far right upper expected mortality age 112 !

Much of this is due to the expected pull forward of knowledge earned from Covid and the various Vaccines.

The Doctors repeatedly mentioned that they expect a youthful elder years as well, not just extended longevity!

Recommended Life Style and Personal Health Monitoring

Here is a quick Legend for the abbreviations:

  • Blood Pressure
  • Body Mass Index
  • Fasting Blood Sugar
  • Cholesterol
  • No Tobacco
  • Stress Management – VERY INTERESTING! Newly added by the Doctors

For the record, those are not low hurdles using my own situation as an example!

Look for a more detailed review of this in the coming Newsletter!

Have a Great “Make it to 2030, live to over 100” 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

Musk Hosts SNL … Mauldin SIC Conference … Robert Kaplan Talks Taper

Being probably the least fan of SNL – Saturday Night Live – in our family, it is on the calendar to attempt to stay up this weekend and watch Elon Musk host SNL. Once announced there has been some grumblings among actors, a fiery Musk Tweet and fiery Tweet response that are likely no more than showmanship, but like many I can’t wait to see the show!

Ratings increase? Bet so!

John Maulden SIC conference

Last year the John Mauldin SIC – Strategic Investor Conference – was available virtually … and once again it is this year. This conference lasts for two weeks and started this week … has close to 50 high-powered guests, with complete replays and slide decks … we are excited to present the high points of some of these speakers just as we did earlier this week with the Warren Buffett Berkshire Hathaway annual meeting and our Q 3 2020 Newsletter

Taper Talk – Floating the Balloon ?

Local favorite Dallas Federal Reserve chair Robert Kaplan who is not a voting member of the FOMC but still remains on the board this year was the first to mention the word Taper – Well he didn’t really mention taper but mentioned the slowing of asset purchases.

No more than a few days later Treasury Secretary Janet Yellen also mentioned something with regards to asset prices and the possibility of slowing purchases.

With a rather yawning capital market response, it would not be beyond a reasonable belief that they are floating some of these out to see market responses.

Look for more comments from us on this and a very watchful eye for more speakers slowly adjusting the aircraft carrier.

Friday

Ahhhh… but today is a Friday heading into a wonderful spring weekend and a possibly very entertaining SNL skit tomorrow night!

Enjoy, 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

Oracle of Omaha …. Warren Buffett Berkshire Hathaway Annual Meeting … Finally Made it Through … Thoughts

Each year for the last five (which is about when they began streaming the meetings), I am always enthusiastic about listening to the Berkshire Hathaway Annual Meeting, which prior to social distancing was more like a sporting event than a shareholder meeting.

Oh, for those that may be wondering, Berkshire Hathaway is headed by Warren Buffett age 90 (not Jimmy – being silly here) and Charlie Munger age 98. The name stems from a bankrupt textile company turned massive conglomerate filled with Insurance Companies (Geico) Railroads, and home builders (largest manufactured home builder in US) just to name a few.

Back to the meeting… Buffett honestly says (and it is true) the actual meeting is BOORING and Buffett even discourages folks to listen to the formal section, BUT there is an opening ceremony of such where Buffett has a 5-15 minute planned discussion followed by 3-3.5 hours of Q and A, most of which is known, but a few are sent in live and carefully reviewed and presented by Becky Quick of CNBC.

Finally A Way To Get Through The Meeting

So the last five years were a terrible failure as the attention span drifted before the entire meeting could be consumed…. Hey these guys are 90 and 98 and move at their own pace, but a wealth of VERY interesting opinions as well as knowledge.

This year a freak accidental trial was successful and made for a very enjoyable meeting review.

After finding a replay of the meeting on YouTube then cranking the speed up from 1x to 1.25 to 1.5 and finally landing on 1.75x normal speed, ta dah … the meeting was happily consumed with full 100% attention AND SOME NOTES!

These are in no sort of order, but basically organized as well as possible given the jumping of topics due to open questions – So here we go, hope you enjoy!

(These a not my opinions or thoughts, only a replay of Charlie and Warren’s high points)

Intro Discussion

Very Pro USA and Complimentary to Capital Creation in the USA

Brings a list of top largest 20 companies in the world, with total domination of USA

Currently have $145 Billion and only need $70 Billion – Current Asset Prices are Not Inviting to Warren and Charlie – Market is too fully priced (Sound Familiar?)

Sold Airlines to allow them to get Federal Funding

Munger Comment – His extra age seems to have loosened his muffler!

Higher State Taxes Chase some smart people away – Silly

SPACS are being created for Wall Street Not Investors and useless use of other peoples money – According to Charlie

Been and actor so long I do not know what I believe – Dogging on politicians and bad CEO’s

Buffett – More Politically PC

Low Interest Rates are causing very high asset prices

Inflationary prices are coming through the home building and other sectors, economy is red hot! Steel and scarcity of product

Furniture store red hot

More inflation going on than meets the eye- Yep

Both Admire Larry Summers convictions to Inflation concerns!

Great Closing Q & A Question:

What was greatest thing learned last year?

Munger: If you are not somewhat confused by what has happened you are not paying attention-

Buffett: Very interested in how this all works out!

Ok, so there you have it. 3.5 Hours condensed into one blog post with some high points that just by chance coincide with some of our thoughts….

Have a Great “Finally Made it Through a Berkshire Meeting” 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

New York, LA, Chicago, Rural Equivalent …. Interesting Population Density Comparison

We love to break the monotony of the usual Financial “Stuff” with an off topic just to keep it fun…. Fortunately there are some really interesting and unusual charts that grab our attention frequently!

Our friends and Visual Capitalist continue to push out some of the neatest charts ever ….

New York V Rural Comparison

new york city population density equivalent map

LA V Rural Comparison

los angeles county population density equivalent map

Chicago V Rural Comparison

Population Density Equivalent

Have a great “Population Density Comparison” 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 Student Loan Debt Has Grown So Fast – Change In US Household Types of Debt – Interesting Chart From HowMuch.net – Paired with Another Interesting Chart that Explains from Visual Capitalist

We ran across this neat chart below from “HowMuch.net, a financial literacy website”… which stunned us.

The comparison growth of student loan growth versus other types of debt is amazing.

For the record we are huge fans of higher education, but not the debt that may come with it.

So we set off to see if there were a cause and effect for the above chart…

Thanks to our friends at Visual Capitalist the following chart answers a lot.

The small blue shaded area is inflation, compared to how fast Tuitions have increased… No wonder the gigantic growth in Student Debt…

Have a Great “Cause and Effect” 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