Category Archives: Personal

Short Day, Long Holiday Weekend! , Great Topics Coming … Why Your RMD May Be Less than Last Year? … Back to Basics Part 2 … Inflation Analysis …

Long time followers have heard of times when the subject matter gets tough… Some Call it Writers Block, think it more Writers Fatigue… haha

Maybe it is the turn of the calendar… maybe excitement from new research and technology we have acquired…. No matter, the post subject glass is VERY full! Looking forward to delivering to you!

Short Day, Long Weekend

With most of our gang out at noon today, we will be following suit for the safety of fellow patrons on the streets!

Early release is due to the Monday honoring of MLK day, which means Capital Markets, Banks, Government entities and our office will also be closed… Enjoy!

Not to worry, with LOTS to talk about we look forward to sharing!

Have a Great Friday and super long Holiday 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

Happy Happy New Years !!!! YAY, Goodbye 2021 Hello 2022! YAY YAY, Our Covid Experience … Maybe helpful for some

We wish everyone a very happy new year as we welcome 2022 in at midnight tonight, hope you are able to spend it with those important in your life enjoy … will talk to you in 2022!

Our Covid Experience, A possible helpful pointer or two

Last week upon returning from a brief snowboarding trip with the 14-year-old, approximately 24 hours after arriving back said 14-year-old ran over 100° temperature for about 12 to 14 hours.

With a wonderful visit planned with my 93-year-old father and other family members, in an abundance of caution, Pierce and I each were tested for Covid.

On Christmas Day Pierce tested positive I tested negative.

Pierce post fever only had minor sniffles and I had no symptoms that could be absolutely pinpoint for sure … the temperature differential from the slopes to back home was almost 90° and would expect a runny nose and the like!

Feeling confident we were out of the woods but once again with a visit on the horizon, Pierce and I both tested positive in less than three minutes on a 15 minute rapid test on Tuesday of this week… visit cancelled….

No one else in the family tested positive and we feel fine except for maybe being a bit stir crazy.

Wanted to share this with you to let you know that the spread of this may be at least in part because there are no symptoms or very small ones. A good thing and bad … so to speak!

Needless to say we will as they say be … “home for the holidays” … Movies anyone?

Cheers, be safe out there everyone!

Enjoy the turn of the Calendar! Talk to you on the other side!

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

Department of Transportation (DOT) Travel Volume Updates … Urban still Lag … Rural Rocking and Rolling

Over the weekend, the latest Department of Transportation (DOT) road travel update hit the in-box….ya ya, a bit nerd like to look forward to an update from the DOT, digressing…

While we have analyzed this before, here back in May of this year and we really like the fact that the graphs are the exact same but just updated, so it is an easy comparison…..

A new observation – Look at the graph just after the Great Financial Crisis of 07-09 – Peaking in 2009 and taking 5, yep Five full years before regaining a new high… WOW!

This speaks to the brevity of this most recent recession…. Coming up shortly a review of the Q1 2022 Newsletter will speak directly to the more normal lengths of slowdowns…. i.e. 2020 was a real short one, and 07-09 was a longer, bigger one!

DOT Total All Roads

Urban (City) Highways

The lack of recapture is completely due to Urban highway traffic (A few times lately in my personal city driving, find this hard to believe, but small sample size).

Continued work from home/remote, speaks to this shortfall!

Rural Highway

Notice the fall was shorter, recoup much faster and currently as of this year, a complete recovery….

This makes sense as rural transportation is extremely important, and as such, much less discretionary!

Have a Great “DOT Transportation Update” 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

Merry Christmas, Happy Holidays, Seasons Greetings

Best Wishes…..

John Kvale and the entire Gang at J.K. Financial, Inc.

Cheers!

Office Hours … Mostly Out … Staggered but Tethered … Happy Holidays!

Today all of our gangs get out for the Holidays at noon…. Whew, we made it!

Anyone else feel like the dash from Thanksgiving to the Holidays were REALLY short this year? Digressing…

Office Hours … Mostly Out … Staggered but Tethered

Each of us are 100% mobile and can even receive calls to the office while away….

We all have trips planned … possibly pent up wishes!!!

With the Financial Bottlenecks completely stalled, we are very glad to have most all of our “Known” year end “To Do’s” completed- YAY!

Of course, emergencies happen, my actual travels are on the weekends, although early next week will likely be weak Wifi … and it may take us a bit longer to get back to everyone, thanks for the understanding in advance!!

Happy Holidays … No way to stay off the keyboard that long, so expect some cheerful short posts over the 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

Happy Thanksgiving … One Last Time Re-run of the Most Popular Video Ever Due to it’s Blooper Authenticity

Next year this time, the Tennis player will be a Senior…. so figured this would be the last year to run this Blooper, all original, no editing, most popular Video Ever….

If you cannot laugh at yourself, who can you laugh at….

Oh, here is what they look like today, in a quick sassy pose…

Maybe this was the early sassy beginnings….

No Matter… HAPPY THANKSGIVING!

Gobble Gobble…

John A. Kvale CFA, CFP aka Blooper Thanksgiving Dad!

BREAK IN – Financial Processing Bottlenecks Continue to be Delayed, DO NOT PROCRASTINATE … Party Tomorrow … Crooks are Still Out, Credit Card Fraud X 2 … Friday Before Thanksgiving Week … Office Hours Next Week, Technology Tethered Mostly

BREAK IN – Financial Processing Bottlenecks Continue

We mentioned earlier, but want to reiterate that we are seeing slowing of processing especially manual (think human touch processes) as we near the end of the year.

DO NOT PROCRASTINATE any unique financial transaction as there is likely a slow player somewhere in the Financial Food chain! Curve balls happen, but really try to anticipate any unusual Financial movements you may have from here to years end… it will make for a much less stressful ride to the finish line!

Party, it’s a Party Party – Tomorrow DAC 3-5 pm

We look forward to seeing all of you at the party tomorrow at DAC from 3-5 PM…

We lucked out on the weather and as such will have an indoor and outdoor area to meet and greet… Moving closer to Norm once again! YAY

Crooks are NOT on Holiday

As mentioned here, the travel schedule has happily fired back up, for the record in a very quick time…

With a two day turnaround trip to another state about two weeks ago, the large Fraudulent charge was not a surprise and caught immediately….

The second immediate charge of slightly different amount but to the same company slipped through the cracks as a slow processing of the original charge…. Well done there Mr. Crook…. but no harm done…

Needless to say, the Crooks are out in full force…. Oh… and for the record a new Travel Only Card is in the works for just this type of defense …

Friday Before Thanksgiving Week – Office Hours

Ahhhh…. Today is a Friday heading into a Thanksgiving Day Week…

With the kids off the ENTIRE week for the first time ever, we will be loosely covering the office in alternating shifts, thanks to tethered technology… (None of us are 100% on where we will actually be, thanks again Mr. Technology!)

Expect MAYBE one last posting of the most popular video EVER, Blooper’s Happy Thanksgiving!

Have a GREAT Friday, enjoy your day, weekend, and restful Holiday Week 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

Finland the Mysterious Email Eating Culprit … Yes FINLAND! Search Reveals Exact Details … Hamina, Finland

Finland? … No Way – Yep!

In a somewhat fascinating and you just can’t make this up experience, Google‘s move of a server farm to Finland has shed light on our mysterious email issues!

Break In – for those interested … a last minute search on Google for the server farm revealed the actual site is Hamina, Finland

Actual Google Picture of the site….Very pretty, but watch out, will eat your secured emails if you have a tight Cyber system….

Google Moves Server Farm for Gmail to Finland

Those followers and some who were unfortunately a participate in our email losses, which we blamed on an overzealous spam filter, turned out not to be the case at all.

Sometime recently Google moved a large group of their servers or opened a server Farm in Finland! Yes Finland, who would’ve thought!

Being in the industry we are, as many followers know, we take our collective cyber security very serious. As such we have most countries blocked even before the spam filter, meaning emails from certain countries will not even come to our spam folder and will be blocked completely!

With Google‘s new server farm moving to Finland, unbeknownst to us, Finland was of course turned off as a country to receive emails (as a side note it’s currently turned back on), but with the rerouting @Gmail‘s from Google … the discovery of Lost emails were made.

While we blamed our overzealous spam filter (sorry about that spam catcher), the Google shift actually created the problem, which was a very simple fix upon discovery.

Lesson learned, if you do not hear from us in a short time PLEASE let us know as we always get back to everyone quickly and a lengthy absence would mean something like this has occurred.

Who would’ve thought Finland would end up being the problem to eat our emails!

Lesson learned, have a great Friday and much more respect for Finland!

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 Capone aka “The Brain” Interviewed Again for his Expertise … Well Done “DC” !

Those of you that have ever been on a call with “The Brain” (aka Donald) ….and have heard him clicking the keyboard doing scenario analysis, such as exact tax implications post a move as well as detailed allocations and historical analysis, may wonder how he has all of this information at a moments notice….

The technical name is IRebal, a super powerful portfolio and investment tool! Donald has mastered the program, helped update the views and also given valuable input on the most important future direction of the tool…..

Donald “The Brain” Gets Flattering Publicity

This is directly from a major industry publication Wealth Management

“The landing page [of the dashboard] tells you all the info you need right off the bat … and allows you to make that quick decision on a visual level and ask yourself ‘do I need to dig into something deeper?’ That ‘yes’ or ‘no’ just did not exist in the old view,” said Donald Capone, the main portfolio manager in the two-advisor shop of J.K. Financial, Inc. based in Dallas. In the older version, getting to that step required him to run a seperate query. 

He said that the firm used the right term when calling the re-design of the interface a “modernization.”

“It definitely looks like you would expect it to now—it’s doing the exact same thing we’ve been doing with it from the beginning but now it matches with what expectations are of what software should look like these days,” said Capone. That should make it easier for new users to adopt the tool, he said. 

“It looks more inviting, less daunting,” he said of the new grid interface, which allows advisors to drill down more deeply right from the screen without losing their place and having to navigate back. There are also improved filtering features and simpler navigation, he said.

Well done Donald, just great!

Have a Great “The Brain Does It Again” 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

TSA Throughput Update … Are We Traveling Again? Sorta …

As mentioned last Friday, with travels under the belt. wonder of the actual number of bodies headed back to the airports was born.

No doubt, there are fewer flights, less direct and certainly less convenient from a personal sample standpoint… oh and a lot more delays and changes….

A click over to the TSA government website for an updated graph…oh, thank goodness the formatting is better, making the graph much easier to create in short order and accurately (hat tip JP) … those with permanent memories of our posts may recall a web site mentioned here that was neat and had all sorts of cool features…. which is now subscription based…. grrr …. Not to worry, new TSA Formatting to the rescue…

Updated TSA Throughput as of 11-6-21 – Getting Closer

While at a Halloween get together, the night before a trip, mention of the up coming trip(s) garnered multiple comments from former road warrior travelers (weekly) that they were permanently grounded and had no plans or intentions to move from the Virtual meeting to the actual in flesh….

Wonder if my small sample size means the difference noted in the graph above is from the Business Traveler… were not very many on my small sample size!

Have a Great “TSA Updated Traveler” 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