Category Archives: John Kvale

Another Positive Friday … Pre-View March Review and Emotional Cycle

With Negatives still topping most headlines, I am running with another Positive Friday as we head into a weekend… those that missed, this is the third Positive Friday, here and here are the prior two for an extra Positive Moment … but now this weeks Positives:

  • Every Day is a Day Closer to Normal
  • March is behind us
  • If you are able to read this, it’s a pretty darn good day!
  • We all have each other
  • Our Country continues to work in Unity
  • Stimulus Rebate Checks to over 90% of the population are getting ready to be sent
  • Unemploymentfor the Self Employed is coming
  • No Mandatory RMD’s this year
  • Forgiveness Loans to Businesses to Keep Employees on the payroll

Next week we will return to our regularly scheduled three times per week Posts which will include a belated March Review Video (Hair Salons are not essential…look out) and an Emotional Cycle Graph that is homegrown along with forthright ways our family is keeping spirits in check!

Until then…..

Have a GREAT “Positive” Friday and Weekend, Stay Safe!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

Another Positive Friday …

Last weeks positive Friday garnered so many comments and Thank You’s that I thought it worth repeating as it’s so much easier to find negatives even if you are trying to avoid them…but there are lots of positives occurring.Unity hands-1939895_1280

  • On a very personal note, I’m happy to announce that my 92-year-old father was able to navigate the online virtual doctor appointment with complete success – Now if he can do it, we can do it if need be!
  • The Federal Reserve continues its policies and has begun adding liquidity to the Fixed Income Market – More on this soon
  • There was a $2 trillion stimulus package announced-which is wonderful news and helps bridge businesses and workers
  • It appears multiple countries are beginning to flatten the curve
  • Some parents may be finding out … it’s not the Teacher–hah – (Hat tip Cousin)
  • Spring is one week closer, its getting warmer … and the sun is up longer every day!
  • If we only had three more days like Wednesday we would be back to all time highs in the Capital Markets! (That will make you go hmmm- not kidding)
  • Our Country, Government and residents continue to work together in fantastic unity!

Have a GREAT “Positive” Friday and Weekend, Stay Safe!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

On Line Study/Work Tips For Those At Home … Interview of a Two Year Veteran

We know many of you may be faced with children or young adults doing school work from home.  Long time followers know that the 15-year-old is in year two, working 100% online university … from home, airplane, coffee shop, or basically wherever.

As such, she granted this interview in part for her soon to be fully on-line schooled 12-year-old brother.img_6377

We made this semi-formal so that she would understand the seriousness of what we were trying to do, and also feel honored to be part of those of you who may be helped by her experiences over the last two years … I asked candidly and did not direct her…

Tips for Those Working From Home for School

What tips or suggestions have you learned over the last two years?

“It’s very easy to get behind make sure that you stay caught up …”

“On-line is more difficult for me than being in-school and listening to your teachers speak directly.”

“It’s a big adjustment socially as you will not be able to visit with your friends, and there is a void of social contact.”

“For me the school day is much shorter and I get more accomplished in a shorter period of time than I did at school, allowing for other activities such as Tennis.”

“I’ve learned to work anywhere, while I have my favorite places such as the formal dining room table, when necessary I can easily work in my room or most any other quiet place!”

“It’s very easy to get distracted with other devices or social media … stay away or you will get behind fast”

“Be prepared with good note taking skills and supplies and make sure that you keep up if you’re in a classroom lecture because you will not likely be able to ask a question.”

“Online foreign languages are very difficult to do!”

Thank you Sophia for the candid responses… I really was hoping she would say it got easier as she learned how to do it, but she was firm on her second point!

Here are a few from my perch…

Watch your posture, it is easy to get in a slump situation, especially with a laptop.

Take breaks and walk around, in an office environment, the water cooler does provide a break…not so much at the house.

I think clearer and am more creative when out of the office working … we will see if this has stamina..hah

Personally I like a bright place that I can see out and light shines in (some times even the back yard), the rest of the gang does not, as it cuts back on the Monitor light… each to their own!

A low volume wireless color printer has been invaluable … Ours was about $75 but the replacement cartridges are about the same as the printer cost…

Hope this helped!

Have a Good “At Home Tips” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

Updated Market Thoughts and Two Corona Resources … Spring Break …Office Hours Next Week

While we have fun in our writings here, the real reason for this venue is for times like now!

Over the recent week there have been a number of events occurring that are causing Capital Market jitters…. here are our updated candid, serious, thoughts.

Market Update and Corona Resources

The cancellation of most sporting and almost any other group events has sent chills down many, and has filtered into the Capital Market movement –

Given our fight our flight wiring, each of us have two ways to digest these events… couple of examples

“Cancellation of almost all sporting and group events!”

  1. Wow, this must be really bad, I better hunker down and get ready for a terrible event…
  2. Wow, they are really doing a great job on nipping this in the bud quickly, this will be over faster than we know!

“Capital Markets are really jumping around, and have dropped in value!”

  1. Wow, the value in my 401k/Investment Portfolio/Company Stock plan has dropped, look at the money if have lost…
  2. Wow, this is what we have been waiting for, we have been prepared and things are on sale finally, in a year, I bet I will be really glad to have re-invested or made additional opportunistic (but not heroic ore reckless) buys!

Clients – We are on point two in both cases, its really easy to go down path one, maybe much easier…but try to stay on point two!

Our Best Corona Resources

In keeping you on point two above, we feel it is important you stay informed… as such we have the following two best of the best websites for Corona Virus Tracking…

Johns Hopkins Dashboard – Mentioned earlier- This is great for tracking specific geographic areas and we are closely monitoring the chart in the far right lower corner for a leveling of growth… this site is updated less frequently but daily at least

Worldometer Corona Tracker – This is updated constantly and give you an almost live feed of information, although not as pretty format as the above…

Blending these two will give you a good, comprehensive view of what it going on… IF YOU WANT TO FIND OUT… all of us may not!

We have no idea how long this will last and we have no idea what Capital Markets will do… no one does at this time.

In time, this will pass… when the all clear bell rings, Capital Markets will likely be much higher as relief is priced in quickly!

Careful on your reading or listening in-take… the most EXTREME predictions tend to make the headlines!

Office Hours and Spring Break

Accomplishments for the year continue as next week is Spring Break for the school bound 12 year old,  who was also part of the early year goal to spend more time….

Careful when you give them the go ahead on Spring Break Wishes…grrrr

Current the two of us are out of town, in a warmer place that would accommodate the two dogs… with other family members arriving soon.

We will be in and out of the office next week, but fortunately have good Wifi in our location!

Sorry for the HEAVY post today, but wanting to give you our best and candid thoughts!

Have a Great Friday!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.


Spring Has Sprung … at Least Here in the South, Time Change Weekend …. Friday Enjoy

Our gang is not fond of the dark months….

Seemingly extra rain made for dark AND WET months this year….

Think that is a light at the end of the tunnel, not an on coming Train…

Time change is this weekend…. YAY – The family will gladly give up the sleep for the light in the evening….

Harder to get to sleep on time… WORTH IT!

Spring Has Sprung

Usually by the time each season nears its end, we are ready… this year, we were ready a few weeks (maybe a month..haha) ago… but finally here it comes… pics from the back yard and the neighborhood, again here in Texas…

The tree in the back yard is famous for being the first to bloom… no idea what type it is, but it is ALWAYS first across the blooming finish line…


Ran across this on a local neighborhood bridge while headed for a long walk…. lots of colors…  SPRING HAS SPRUNG!


Today is a Friday… enjoy your weekend…

More Heavy stuff next week if necessity dictates!

Happy “Spring has Sprung” Friday!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.

Happy Valentines Day! Abbreviated Day, Long Weekend … Presidents Day Reminder Monday

A Happy Valentines Day… especially to all the ladies, moms, Mrs., Grandma and guys too!

What a Rainy and chilly week it was here in the south…

Made for a Great Writing week (A lot last weekend too) much to our Editors Happiness…

With the kiddos out on the street today at the half way point, we are headed out early for our collective protection…

In a continuation of the goal for the twelve year old, yours truly will be out of town this weekend and Monday in honor of Presidents Day.

Capital Markets, Banks, Government and Our Office will be closed Monday as well.

Happy Presidents Day!

New Toy … Look for Neat Office Stuff Soon… after we figure out how to get around the no fly zone restrictions due to local airport…grrrr

John A. Kvale CFA, CFP

Fast January, Tax Audit Pre-View, “AO” … Friday

Not sure about you guys, but in several conversations this week, as well as a few reflection times, it was super hard to believe January is almost gone… Wow!

Speaking of Fast January, how about already another Friday… with a short week and turn around travels next week, looks like we are in full stride….

Tax Time Commeth

Given the mailbox (and inbox) is likely beginning to fill with those pesky tax forms, we have a few neat stats on Tax/Audits/IRS reviews to share soon… We actually attempted to get them into the Q1 2020 Newsletter to no avail… a good problem (too much content) … We think you may find some of the statistics very interesting, but of course never push the gray when dealing with Uncle Sam!

Here is a Teaser:

TaxAudit 2018 stats

AO – Australian Open

Regular readers know sports … and especially Tennis (Australian Open) is big at the homestead…. between a 17 hour + time zone change and the 15 year old deciding to do 6 am — YES … 6 am tennis practice, the candle has been burning a bit at both ends…. maybe the reason for the Fast January… all good!

Ahhh….but as mentioned early, today is a Friday…maybe a Fast Friday in January, but still a Friday … enjoy your weekend and get ready for some fun Tax Facts Next Week!

Have a Great “Fast Friday” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.
A Dallas Texas based fee only
Financial Planning Total Wealth
Management firm.