Hello and Welcome to our September 2019 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!
BREAK IN :
November 14th from 6:30 to 9 PM – Perot Museum – For the Evening
Newbies –
We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets and current events!
September – 2019 Video
Financial Planning Tip (s) –
RMD Season is here – Is your DOB between 7-1-48 to 6-30-49 ?
In this post, we reminded all of those with the unique option of deferring that first RMD an extra year on the perils of the double income from that deferral decision…..
Defer at your own risk and make sure you will not jump a tax bracket by doing so!
Mortgage Rate Update – Time to Refinance?
Mortgage rates (the drop there of – in rates) caught our attention and in this post, we reminded of eleven (just counted them – was surprised so many) items to think of when/if you should refinance – its a big decision and there are many variables, if you didn’t catch the post and have been in your loan for a few years, be sure to take a look … another reminder will also make its way to you in the Q 4 2019 Newsletter –
Capital Market Comments –
Inverted Yield Curve Update
In this post, early in the month we reviewed the definitely inverted yield curve…. and spoke to this being one of the slowest recoveries on record…. just after our post, the yield curve did normalize on positive trade talks…. Look for more details in the coming Q 4 2019 Newsletter-
FED Lowers Again, but only by .25%
Jerome Powell Chief of the FOMC (Federal Open Market Committee) lowered rates by .25% to the 1.75 to 2.00% range, which will directly effect our overnight money, such as checking accounts and money markets…
Their fear is the prior mentioned Tariff saber rattling causing an extended slowdown….
We prefer they save that gunpowder for a real fire, but just pouring a small bit of gasoline on the coals is ok for now!
Have a Great Day – Talk to you at the end of October!
John A. Kvale CFA, CFP
Q 4 2019 Newsletter Video Audio Podcast Review By John Kvale
Welcome to our Video and Audio Podcast Review of our Q 4 2019 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
Let’s get going!
Q 4 2019 Newsletter
Click for PDF/printable version of Newsletter
And here is your review!
Is it Time to Refinance?
With Mortgage rates moving lower, we discuss the major items to think of when refinancing your Mortgage.
Our most clever point is we like to have an 18 month payback for the costs when refinancing… this serves as a good barometer on when to refinance, irrespective of the size of your Mortgage.
Tariff Talk
It’s been going on for a long time
Trade Wars AKA Tariff talks have been around for a long time. This is not our first rodeo… notice how trade has been more efficient over time!
End of Year Tax Reminders
While there are a lot of reach back tax items i.e. Things we can do next year for this years taxes… there are many that have a firm year end deadline-
We hope you enjoy … talk to you in ….. 2020 WOOOW !!!
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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Posted in Audio, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Medicare, Newsletters, Podcast, Political, Tax Related, Vault, Video
Tagged End of Year Tax, Home Mortgage, Interest Rates, Mortgage Refinance, Perot, Property Tax, Social Security, Tax Reminders, Tom Clark