Tag Archives: Commodities

Just how big is Oil … Friday Away from Office

Posted on January 20, 2017 by | Leave a comment

A really cool chart follows below.  After a big Roth article mid week, we thought it nice to coast into your weekend…

Today is a Friday and I am out of the office, returning on Monday… Enjoy your weekend! 

What a fabulous chart by VisualCapitalist…

So much is always spoken of Gold or other Commodities such as Silver or Iron. This chart puts it all into perspective.

Think a movement from $140 to $28 a barrel doesn’t have a global ripple ? Think again! 

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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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August 2015 Financial Planning Tip, Capital Market Review (Video)

Posted on September 2, 2015 by | Leave a comment

Welcome to our monthly Economic, Capital Market, and Financial Planning tip of the month.

This months Financial Planning Tip of the month is when you may NOT want to file an insurance claim !

Once again a special thanks to all of  YOU … the best clients and friends, as your experiences have again given us the subject matter for our Financial Planning Tip of the Month.

For those new to our writings, we touch on the most pertinent Financial “stuff” along with a video of my mug that has even more specialized details of the latest month as well as this post.

Ok…let’s go!

 

August 2015 Video

 

VIDEO

YouTube Direct Link 

 

When NOT to file an insurance claim

  • Deductible is near the full value of claim or the net claim is very small — not worth the ding on your history
  • Inability to prove value of claim- i.e. Jewelry
  • Coverage amount has greatly declined/depreciated – old roof

Thinking of insurance as a major dollar safety net (not piggy bank) is a good idea and will keep you on the correct path in most cases. Also… One of the biggest reminders is to know your coverage and think twice about calling your carrier as you may end up with a chink on your record, just by calling!

We were honored to have our article posted on ABC News, USA Today, Yahoo and credit.com. Best of all, this was an actual experience and conversation!USA Today Article Circle JK

Give us a call if you have any confusion/questions!

Commodities falling No more – Maybe?

Last month we mentioned commodities- oil had fallen dramatically.

Certainly could go lower. Hated by many – Zig when others Zag!

Suddenly there is life in oil and commodity related instruments.

8-31-15 WTI 5 min chart

Time will tell!

Have a Great Day!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225JK Street Cents Logo

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July 2015 Financial Planning Tip, Capital Market Review (Video)

Posted on August 3, 2015 by | Leave a comment

Welcome to our monthly Economic, Capital Market, and Financial Planning tip of the month.

This months Financial Planning Tip of the month is a reminder of another important account Title issue !

Once again a special thanks to all of  YOU … the best clients and friends as your experiences have again given us the subject matter for our Financial Planning Tip of the Month.

For those new to our writings, we touch on the most pertinent Financial “stuff” along with a video of my mug that has even more specialized details of the latest month as well as this post.

Ok…let’s go!

VIDEO

YouTube Direct Link 

 

To Trust or not to Trust – Do I need a Revocable trust? – Another great estate Planning Tip: LivingTrustEstatePic

  • Privacy
  • Avoids probate
  • Corporate law versus probate law
  • Easily changed
  • Can lead to inadvertent mistakes in Estate Planning
  • May dramatically help in higher probate cost states (Think CA and FL)

Trusts, once thought only for aristocrats have become much more mainstream. They are easy to set up and easy to change. Revocable trusts, the most common, are great planning tools. The revocable trust, while providing little creditor protection and virtually no federal estate tax benefits, in many cases is a great solution for organization and a way around a hefty probate cost state.

Give us a call if you have any confusion/questions!

Commodities falling

7-31-15 Bloomberg Commodity Index

Not only did this broad-based commodity index take out the 2008/9 lows, but it dropped to a never seen before low !

Certainly could go lower. Hated by many – Zig when others Zag!

In the endeavor to find assets that are not frothy, a never seen before, all time low, MIGHT be one.

Never go all in of course — but does not look frothy!

John A. Kvale CFA, CFP

http://www.jkfinancialinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225JK Street Cents Logo

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Q 1 2015 Quarter Performance Report Cover Letter (Clients)

Posted on April 13, 2015 by | Leave a comment

Dear Investor:

To Raise or Not To Raise, that is the question

As the year commenced we felt very comfortable that short term interest rates (think checking accounts), currently near zero would begin normalizing back towards their longer term average of 5% (maybe not all the way, but at least begin moving from zero). Recent economic data has been weak enough to put doubt Federal Reserve officials, as well as in most market participants timing of an expectation of mid-year, to later in the year.

We have been proponents of higher rates sooner, as we think the usefulness has run its course and may now be doing more harm than good. We still believe rates will rise, but maybe at a slower pace.

US Markets

US Capital markets ended the quarter right near where they started. This is not surprising as earnings are the ultimate driver of higher prices (most of the time) and earnings are actually expected to be down significantly this quarter and about flat for the year 2015.

In this quarters Newsletter, we dig deep into multiple charts for a straight forward view of the current US Capital market valuations. In short they are at least frothy as we compare the current market “feel” to 1998 or 1999.

International Markets

International market, which we have been “leaning” towards for some time took off like a rocket, however, the strength of the US dollar against the rest of the world essentially negated the gains. The sudden strength of the dollar against the rest of the world is and was not unprecedented, but the speed at which is happened did break tons of records. The good news on currency movements is they work themselves out over time.

Commodities

Also a subject of our current Newsletter we discuss black Gold, oil, as well as the shiny material, gold. While we never go “all in” in any investment, our commodity holdings may be a terrific value. Due to their extreme volatility, we are always cautious with our exposure.

IN CLOSING we wish you a happy spring here in the USA and look forward to the changing of season across the country and the world for those across the various ponds!

Sincerely,

 

John A. Kvale CFA, CFP

Enclosure (Q1 2015 Performance Report)

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Q2 2015 Newsletter Complete … Review and Video too!

Posted on April 10, 2015 by | Leave a comment

The Q2 2015 Newsletter is complete and posted here and here with a short video explaining our main thoughts:Q 2 2015 Newsletter

  1. Younger generation financial planning and a special offer from us !
  2. Feels like 1998 or 1999 again … lots of charts
  3. Three LAST MINUTE tax ideas for 2014
  4. Commodities .. Black and Shiny Gold review along with our thoughts

Q 2 2015 Newsletter You Tube Picture

 

 

Watch for it in your mailbox, we hope you enjoy!

Today is a Friday, heading into a Master Golf Weekend … signaling spring is officially on the way!!

Enjoy your day and weekend !

John A. Kvale CFA, CFP

http://www.jkfinancailinc.com
http://www.street-cents.com
8222 Douglas Ave # 590
Dallas, TX 75225

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