Category Archives: Video

Q 4 2018 Newsletter Video Audio Podcast Review By John Kvale

Welcome to our Video and Audio Podcast Review of our Q 4 2018 Newsletter. For those on the road or just unable to grab the time to read, our podcast type review gives you the behind the scenes insight to our thoughts, observations and deep views of the entire Newsletter.

Click Here for direct link to an electronic version (an early peek-good ole fashion paper versions are on their way to you shortly) and here for our Newsletter page

BREAK IN – Save the date for the Holiday Party

November 17th – Saturday before Thanksgiving – Dallas Athletic Club from 3-5 pm

DAC

Let’s get going!

Q 4 2018 Newsletter

And here is your review!

Capital Market Talk

Earnings and Markets Eventually Converge

In this hugely in depth article, first we discuss the effect of earnings eventually driving capital markets, but disconnects can occur. It can even be a good thing for Capital Markets to WAY underperform earnings, as they are this year because in brings valuations back in line.

Here is the key graph

7-13-18 EPS Growth and Mkt Growth 10 year avg

Higher Rates, a Short Term Headwind, Eventually a Tailwind

With sustained lower rates over the last decade, memories have faded on the tugging headwinds that higher rates have – IN THE SHORT TERM – on the mandatory safety asset class of bonds.

Higher rates are a great thing as Bonds/Fixed Income Assets have a place for almost all investors due to their safety and liquidity.

Once the headwinds subside our fixed income investments will have ridden the yield curve higher and begin paying more income in the form of yield – into our pockets – Finally!
bond index V Interest Rates

Too High of Rates Can Create Trouble

Too high of rates or an overshoot CAN create trouble … or a recession…

Our friends at JPMorgan – historically show that rate is about 5% – yea FIVE percent –

We disagree and think a lower level may now be this tipping point, due to the decade low interest rate level we have just experienced-

Current at two percent, we have a long way to go before getting too antsy
JPMorgan Rate Level for Slowdown

Inverted Yield Curve Update

So far to good- no inversion yet!
9-28-18 90 day to 10 year Inverted Curve status

Financial Planning

This series of articles came out of no where and in like domino fashion, once one was done the next took form and fell into place-

PLUP graph

App of the Quarter – Hardware

Our editor took the fancy picture out due to copyright fears, but our experience with the Firestick has been exceptional – Here are the highlights of our findings

  • Great Savings compared to just full service in many cases
  • Does not take as much internet speed as we thought
  • Bring your home on the road
  • Multiple devices used at once
  • Cuts back on duplicated services
  • Allows cherry picking services

Enjoy the fall –

See Ya next Year – Wow 2019 here we come!

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

September 2018 Podcast Video, Financial Planning and Capital Market Update – By John Kvale

Hello and Welcome to our September 2018 Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format as well as Video too!

Newbies – We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets and current events!

This is month two of our upgraded Laptop, which means a new recording system of Audio and Video — while still working the kinks out, we are getting the hang of it – Enjoy!

September 2018 Video

Financial Planning Tip (s) –

The Emergency FundMoney - dollar-941246_1920

In our post here, a shortened version of an article in the coming Newsletter, we review all, about a much needed Emergency Fund, and the levels for certain scenarios.

Reasons to be slightly bigger-

  • Possible Job Change – Need to be higher on emergency funds
  • New Family Member- Higher is better
  • New Home – Expect unforeseen expenses – they always occur (Has anyone ever built or bought a home in less time and for less money than they thought? Nope, it’s in our nature)
  • Salary Fluctuations i.e. Commissions – Error on the higher side of that emergency fund
  • Others dependent on you – Business owner, large family, solo income earners, college or wedding – Higher is better

Reasons for a normal to smaller Emergency fund-

  • Dual Similar Incomes – Lower Emergency fund is ok
  • Very stable Job – Smaller side of the living expenses will
  • Very fixed income stability – Pensions, Social, etc.

High Deductibles – Why to Consider

In this post, we discuss the reasons for considering a Higher Deductible lifestyle –

Break In – There are always situations that a High Deductible will not work, we are just pointing out the advantages, under the correct circumstances!

Auto Insurance: One of the best ideas to consider a high deductible – take a look here at the great examples of why.

Home Owners: Another great coverage to consider a higher deductible.

Health Insurance: Once again a good one, but certain situations can easily negate the advantages of this!

Capital Market Comments – Interest Rates and Bonds

Short Term Headwinds Of Higher Rates on Bonds

This busy chart gives a great picture of the short term effects of interest rates on bond. Coming from such an extended long period of unusually low rates, we are reminding ourselves along with everyone else, this is very normal phenomenon and will correct itself with time by putting extra dollars in our pockets in the form of higher yields.

Have a Great Day – Talk to you at the end of October!

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

street-cents

August 2018 Podcast Video, Financial Planning and Capital Market Update – By John Kvale

Hello and Welcome to our August 2018 Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format as well as Video too!

Newbies – we like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets and current events!

Break In – We finally upgraded our Laptop, which means a new recording system of Audio and Video — five year old laptop technology was long in the tooth – Hope you Enjoy!

August 2018 Video

 

Financial Planning Tip (s) –

The PLUP – Personal Liability Umbrella Policy

In our post here, a shortened version of an article in the coming Newsletter, we review the PLUP or Personal Liability Umbrella Policy- You likely need one!

Cost

In a world of sometimes seemingly ever higher costs, the PLUP is very affordable. Experiences have shown annually, cost of usually between $200 – $500 for $1 Million – $2 Million in coverage.

Insures your base Coverage are correct

Another neat and settling feature of the PLUP is that it mandates that your standard or base coverage are correct.

What you are protecting Coverage

The most obvious assets at risk are after tax dollars such as checking, savings and investments including Revocable Trusts.

Estate Planning Part 1 – Wills and the Basics

In a reappearance due to constant usage, we also brought back our Estate Planning Series here, Part 1.

  • Will
  • Power of Attorney
  • Healthcare Power of Attorney
  • HIPPA – Release of health information
  • DNR- Cease and Decease – Do not Resuscitate

Estate Planning Part 2 – Trusts

In Part 2, a second repeat article, here, we discuss Trusts of all sorts and their usage.

  • Revocable Trust
  • Testamentary Trust
  • Irrevocable Trust
  • QTIP- Qualified Terminal Interest Trust
  • Credit Shelter A/B Trust
  • Generation Skipping Trust
  • Irrevocable Life Insurance Trust

Capital Market Comments

Small Business Optimism Hits All Time High –

With earnings booming it is not surprising to see Small Business Optimism reaching all time highs — It is always nice to recall that while there are fast moving machines, making trades in nanoseconds and huge amount of data is being deciphered electronically to get and edge – BUT and it is a big BUT – There is ultimately a human behind the machine!

She/he is pretty happy!

8-15-18 Gallup Small Business Optimism

Have a Great Day – Talk to you at the end of September!

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

street-cents

 

1 Minute Video Series Part 8 – Using Your Cell Phone to Upload Documents to Your Vault

Missed any of the 1 Minute Vault Series?

Here is a link to them on our main web page of JK Financial, Inc. and here is a link to them on our blog site here, and then here on our YouTube site.

Part 8 Uploading Important Documents to your Vault

In the eight of an every growing Vault series … and yes we are trying to keep these around 1 minute knowing time is valuable –

In this video here is what we discuss:

  • Opening the Vault Tab in your Personal Vault
  • Scrolling to the area to add something to your Vault
  • Safely putting your cell in photo mode to snap your important document – your document WILL NOT be saved to your cell for ever more security and safety
  • Boom – Showing you the document location upon loading

 

Have a Great “Cell Uploading Document Vault” 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

 

1 Minute Vault Video Series Part 7 – Using Your Cell Phone to Access Your Vault

If you don’t remember parts 1-6, do not worry. it has been some time since we originally put them out.

Here is a link to them on our main web page of JK Financial Inc and here is a link to them on our blog site here, and then here on our YouTube site.

“New” Vault Update

Ok, so it is not so “New” anymore, but there have been continual updates with TONS more to come.

In this 1 minute video, we show you the following:

  1. Download Our Neat Vault Logo App Looking Link to your Cell phone
  2. Update the Title of the Vault Logo Link
  3. Open the Cell phone Vault log in page from your phone

 

 

Have a Great “Cell Phone Access Vault” 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

 

July 2018 Podcast Video, Financial Planning and Capital Market Update – By John Kvale

Hello and Welcome to our July 2018 Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format.

July 2018 Video

 

Financial Planning Tip (s) –

Social Security – Taking Early

The general rules of Social Security are to wait until as long as you can. In our post here, and the chart below, may give pause to that thinking.

Many situations are different, deeming great thought and analysis needed before commencing OR delaying your Social Security Benefits.

2018 Social Security Crossover

Favorite Pension Benefit Option

Joint Survivor – As mentioned above in our Social Security review, situations vary. While our favorite options for Pensions is the 100% joint survivor –

  • Less Changes in the future
  • Straight forward
  • Simple

As mentioned in greater detail, in our post here, consider all options before making your final decision as this one is irrevocable !

Capital Market Comments

Turns Out, Over the Long Term Earnings do Drive Markets

With earnings booming and Capital Markets treading water, this chart caught our eye and in this post we discussed in greater detail current earnings AND the fact that over the longer term (see chart below) markets do EVENTUALLY react to earnings.

7-13-18 EPS Growth and Mkt Growth 10 year avg

Have a Great Day – Talk to you at the end of August!

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

Bet you didn’t know we had a YouTube Channel – Vault and Other Video’s Coming Soon – Friday Tennis

After a heavy week of Pension Benefit Options and a Super Heavy 90 day Treadmill/Earnings update… let’s slide into this hot weekend on easier ground…

Did you know we had a YouTube Channel?

Yep, we do – it’s out there and holds all of our Video’s from the very beginning. It also lets us easily embed the videos in other places!

JK YouTube Channel pic

Take a look, here or at the link at www.youtube.com/jkfinancialinc

Ok, so there is nothing edgy or slanted, but there is a tone of great information on it… take a look as see for yourself!

Here is our most popular Video EVER, for obvious reasons (its a few years old and wrong season, but we can always use a laugh)  …

 

Speaking of Videos ….

Vault and Financial Planning Video’s Coming Soon

Our Vault has undergone some updates – NICE – and we want to update a few of our current “How to Vault” videos (Six 1 minute Fun Video’s found here or on our Youtube Channel) as well as add to the details of several of our most popular posts.

The Vault Videos will stay at 1 … yes ONE minute – long time listeners and readers know that is really hard for me, but with such good feedback, we will keep it right there – if possible – haha!

Several of the more complicated items, such as Estate Planning Checklist and the Inverted Yield Curve series will make the cut as well.

Hope you enjoy in advance!

So it is a Friday … and that means you are headed into a Summer Weekend – Please enjoy and stay hydrated, which is what we will try to do with the 13 year old, as she play a tournament in a farther Southern Texas City, but it will still be HOT!

Don’t forget to spend time with those who are important in your life… it goes fast!

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.
www.jkfinancialinc.com
www.street-cents.com