Category Archives: Investing/Financial Planning

Tax Comparison Chart – Link to 2018 Tax Estimator

Posted on June 22, 2018 by | Leave a comment

In our continued pursuit of Tax Research and Planning ideas, we wanted to show you these items …

More on this in the coming Newsletter-

Here is a neat graphic comparing 18 and 17 Taxes

TAX Comparison 18 to 17 FINAL-TCJA-Filers-Chart

Broadly – the bottom line, across the board, taxes will be lower.

Favorite Detailed Tax Analyzer

After scrolling the net for a good tax estimator, we came back to our old favorite site, Dinkytown….

Here is our 2018 Dinkytown favorite 2018 Tax Estimator.

This link is to the more detailed version as there is a basic version that did not give us enough comfort in doing estimates….

Have a Great “Less Taxing” Day!

Happy Friday!

John A. Kvale CFA, CFP

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

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Your Guide to how much Tariff talk should Matter – World Exports in One Chart

Posted on June 20, 2018 by | Leave a comment

Thanks to our friends at howmuch.net, an absolute timely chart on the total goods and services moving around the world.

We find this interesting given the rhetoric being bantered around in the headlines and giving capital markets an excuse to frown!

Take a moment to see rhetoric versus total exports/trade-

top-exporters-countries-2017-d071

Have a Great “Total Value Export 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.
www.jkfinancialinc.com
www.street-cents.com

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Posted in Investing/Financial Planning, Market Comments, Political

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Where did all the stocks go? Implications

Posted on June 18, 2018 by | Leave a comment

In a strange and subtle way – we have slowly but surely, had fewer public stocks available.

A preview of our coming Newsletter Article …

Where did all the stocks go?

Economics 101 says if we have the same demand and less supply, price will rise-

2017 Declining Stocks US and World Comparison

We were surprised to find out the total US stock headcount is down by almost 50% over the last two decades….

Key findings and reasons-

  • According to many, the costs have risen dramatically to nearly mid-teens percentage of total public offering
  • Continued initial public offering “Pops” – think SNAP – only to fizzle much below initial offering price
  • Increase demands from governance once public
  • Mergers – big public companies getting bigger through acquisition
  • Public company Buybacks – While an entire article could be written on this subject, in brief buybacks lower the total shares outstanding of a company are an appealing use of extra capital as a buyback increases reported earnings all other items considered AND are more flexible than a dividend. Lowering the dividend is very politically incorrect as it may lead investors to believe there is company weakness, with little to no similar mandates on buybacks.
  • Less flexibility being a public company – this especially true from home grown or family run companies
  • Adequate access to capital – in recent years capital from various sources such as debt offerings or venture investors has made it less necessary to go public, once a mandate for liquidity

So if there are less supply and at least similar demand — valuations may be increased!

Look for complete analysis in our Q 3 Newsletter.

Have a Great “Less Supply- Higher Price” Day!

John A. Kvale CFA, CFP

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

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Clumping – A must given new tax laws … Friday

Posted on June 15, 2018 by | 1 comment

We are finally digging our teeth into the new tax laws … they are not 100% set in stone yet as there are many unanswered items… and likely IRS statements that will clarify and change items as the year progresses…

There is one item we are pretty confident-

Clumping of Expenses

We are going to speak at length on this over the year, so not to worry about being reminded…

The new standard deduction amount is $12k – Making for a hefty hurdle to itemize for married couples ($24k), especially with a NEW $10k SALT (State and Local Taxes) deduction limit…

Clumping TaxesAre your eyes glazed over yet? It’s ok, we will be digging deeper into this throughout the year ….

Drawing from IRA’s is also in play under the appropriate circumstances … look for more on this shortly as well…

Today is a Friday … and while a little heavier than our normal post for the weekend … it sets us up for what is to come on our tax talks… get out and have some fun … talk to you next week!

Oh… and for those wondering, the 13 year old had 9 matches total and won 6 – in some VERY HOT conditions… All good!

John A. Kvale CFA, CFP

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

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Posted in Investing/Financial Planning, Tax Related

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TripIt – Re-review of our App of the Quarter – Its already paid for itself many times over!

Posted on June 13, 2018 by | Leave a comment

With travel season in full throttle go mode … We thought it timely to update you on an App of the Quarter we did in our Newsletter about a year ago … We will feature it in our coming Newsletter too … it is super neat and deserves the space in our opinion!!

Re-Introducing TripIt — A Second Appearance App of the Quarter

It does not take too many of these notifications to pay for the ~$50 annual pro-version of this app — Kinda like getting a nice present out of no where.

 

IMG_1025

Not sure about you guys, but once the flight is booked, the trip usually falls to the back of the importance line – not with this handy – keeping you frugal app …. It keeps on checking the prices.

I called Southwest and was happily give a credit against my account under the confirmation number. The credit made the next short flight across Texas free!

Look for more detailed review in the Newsletter as this App also has some very neat time departure and check-in time related and cool mapping features for finding lounges in various airports…

Hat tip again to SW for showing this neat tool!

Have a Great “Efficient Traveling” Day!

John A. Kvale CFA, CFP

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

 

 

 

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Posted in General Financial Planning, Investing/Financial Planning, John Kvale, Personal

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Finally …. The Surprise Summer Project – Helping you find Lost Money — Anywhere in the USA

Posted on June 11, 2018 by | Leave a comment

A few quarters back a notification was sent to someone in our group that there were lost money available. Eventually it was retrieved, and an idea was formed…..

Once again you guys have given us a super idea – and you finally get to hear of our surprise summer project.

USA Search of Lost Funds

If you have moved multiple times, have a relative that was …. well let’s say not super good with their finances … or anyone close that may come to mind who may not have a good grasp on their finances – we have a fun new service we are embarking on over the summer.

We have retained a search service that will scroll all of the states in the USA and look for any lost funds.

We have no idea where this will go, but thought it very unique and fun, especially if we find a few golden pots at the end of those lost money rainbows…

Clients – look out, we will be emailing you lists of possible found money – a few guinea’s have already been contacted and we have had fun with our family members as a test before rolling this out to everyone — sorry sister that $3k was not yours!

If you have someone (living or deceased) that you think may have funds lost, please email monica@jkfinancialinc.com with the proper name and we will run it through our new system ….

Now we are off to treasure hunt – hopefully lost money that we can find for you!

Have a Great “Found Money” Day!

John A. Kvale CFA, CFP

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

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Summer Trips … App review … Unique Service Teaser … Our Post Schedule Reminder for some curious in the field …

Posted on June 8, 2018 by | Leave a comment

We know many of you are taking your first (much deserved) trip of the summer … some are already on their trip.

Cruise, family, relocation, beach, cooler climates in the North…just to name a few…

Enjoy! You deserve it!

App Re-Review

Shortly we will re-review a neat App that will make its second appearance in this Tripitquarters coming Newsletter as it has been updated and we have over a year of usage under our belt. The premium version has paid for itself in cost and convenience MANY times over… worth the re-review …

Tennis – Texas Grand Slam

Speaking of trips …Today we take a trip that will hopefully extend into some length. The biggest Texas Junior Tennis tournament of the year begins tomorrow in a small west Texas tennis-2042723__340town. With over 1000 juniors not including parents and siblings, caravanning to the small town, hotels and evening dining spots are at a premium….

In true pro-like format – Play until you have two singles losses and one doubles — then pack your bags and go home!

Unique Service Teaser

As announced earlier here, While the cat is away the mice will not play – Monday we announce our Unique Summer Fun Service that will hopefully put some extra money in your pocket — Yes Money directly into your pocket.

Hopefully we have your interest!

Here is a hint …

lost-1190422

Watch for Monday’s Post… this is going to be fun!

Shhhh … Blog Post Schedule Reminder

Shhhh …. Don’t tell anyone, but we post every Monday Wednesday and Friday at 10:30 AM Central time … If you are not getting a post on these days, check your spam filter as we occasionally find our hard work and bright ideas end up in the junk file – oh no!

Ok … maybe too much coffee this am, or maybe excitement for the Tournament … either way … It’s a Friday, heading into a wonderful sunny summer weekend, enjoy yours, talk to you next week!

Have a Great Summer Friday Day! Safe Travels to All!

John A. Kvale CFA, CFP

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

 

 

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Posted in General Financial Planning, Investing/Financial Planning

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