In the good old days our physical home address was the most important item for delivery of mail and physical identity. Not sure if your mailbox is like many, but for the most part paper delivery is WAY down and expected that in the next few years many entities (Credit Card, Mortgage, Paychecks… any kind of monthly statement) will completely discontinue options for paper delivery …. this is a much greener approach, and will certainly help our environment – we know it may be uncomfortable for some, but likely inevitable!
Email address replaces Home Address – Our Collective Responsibilities
Given the above mentioned facts, with our email address now been our most likely contact … similar to our physical address in the good old days, new restrictions for our collective security are welcomed, needed, and expected.
It’s for our own collective safety that to change an email address on a delivery should be more secure!
In today’s more secure and safe environment for us to change an email address on your information we will now need to submit a signed document – ok … it’s a bit of a pain, and in the good old days when delivery was mostly to our physical address we could do it for you – but that was as they say … the good old days.
With 95% of our clients receiving all of their information completely electronically we feel like we are the norm, and accept the new responsibility but slightly more challenging changes to our electronic delivery.
Docusign Anyone ? More to come on this soon!
Just a heads up in advance, when we change our email there will be additional documents for our collective security to make the change.
We will make it super easy, but there will be an extra step.
Sorry for the hassle but again certainly for our collective security!
Have a Great ” Email is New Home Address” Day!
John A. Kvale CFA, CFP
Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.
32.862841
-96.808100
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Good News From Interest Rates – Friday
While the FOMC (Federal Open Market Committee) led by Jerome Powell have been lowering short term rates, see notes by us here, here and here….
Until just recently, longer term rates were following short term rates down…
Good News From Interest Rates
While the FOMC does control short term rates, they have much less control of longer term rates and actually by lowering short term rates they were hoping for this….
Higher long term rates are our friend … Possible reasons:
10 Year Treasury Rate
If we showed a longer term chart you would see it still has a ways to go as we are only nearing 2% – half full guys… have to start somewhere… For now, good news!
Newsletter Under Way
We have some really neat items under way for the Q 1 2020 (yikes- did we just say that) Newsletter… we have found some great Government Public sources of information that we think you will really like – now on to pulling it all together for brevity and clarity — never thought those research paper skills would be so used – Sorry to all the English teachers that did not get full effort..yes you told me so! haha
Today is a chilly Friday and Thanksgiving is just around the corner…
Have a Great 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
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Posted in Economy, FOMC, Interest Rates, Investing/Financial Planning, Market Comments
Tagged 10 Year Treasury, FOMC, Jerome Powell