Tag Archives: Unsubscribe

December 2017 Podcast Video, Financial Planning and Capital Market Update- By John Kvale

Here is our December 2017 Monthly review. If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast format.

So Long 2017 … Hello 2018 .. Nice to see you!

December 2017 Video

Financial Planning Tip (s) –

You have been IRMMAAtized – Options for Relief

In our post, here and here we discuss the Medicare Means testing levels, both historic and what we are faced with in 2018.

Due to the faster lower Tiers of income, the Social Security Administration has casted a wider net for all of us.

Here are the new levels, again from our post AND in even GREATER details in our Q1 2018 Newsletter.

2017 V 2018 Medicare IRMAA levels

A life event change may create relief – Life events not limited to the following-

  • Marriage
  • Divorce/Annulment
  • Death of Your Spouse
  • Work Stoppage
  • Work Reduction
  • Loss of Income-Producing Property
  • Loss of Pension Income
  • Employer Settlement Payment

Please see our Q1 2018 Newsletter for detailed instructions on how to get relief from these faster grabbing surcharges.

Personal Spring Cleaning in the WinterUnsubscribe monitor-608241__340

Personal Reminder Email Tip

In our post mid-month here we discussed cleaning your emails to lower the Tidal Wave of daily emails.

After almost four weeks we are down to a trickle.

What was most interesting were the different experiences of who was up front and nice about the “Unsubscribe” request and who was down right dirty about letting us off their list. Surprised and disappointed with some companies.

Capital Market Comments

VIX – Fear Index Goes into Hibernation

We initially wrote in our Newsletter article and Blog post here, the VIX went to sleep … after another few closes below 10, we are coining it “Hibernation”

VIX as of 12-15-17

From 1990 to 2016 this Fear index closed below 10 a total of 9 times. During the year 2017, it has closed below that level 52 times and counting !!

Wow … Hibernation!

Interest Rate Increases

Just few years ago, with former FOMC (Federal Open Market Committee) chair Ben Bernanke running the show, a miscalculated mention of a pending interest rate increase threw the Capital Markets into a tail spin – and that was just a mention of one small .25% increase. WOW-

When the history books are written on this period of time, FOMC members “Listening” to markets may be prominent, and possible reason for success.

In 2017, the FOMC raised rates 3 times with very little market disruption. They are on record for 3 more in 2018. The best part of this, market participants are not throwing a hissy fit and seem to be welcoming the increases.

Today, we think NOT increasing the rates as forecasted would cause more harm than increasing – exactly the opposite of just a few years ago. Way to pivot FOMC officials.

2017 Fed Funds Rate Bar Graph


Happy New Year!

John A. Kvale CFA, CFP

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

Handy Lower-the-Volume of Emails Tip – Holiday Schedule

Seems like only yesterday “You’ve got mail” was exciting and breath was held for the next email. Fast forward to today and 200+ emails daily is routine.

About two weeks ago a decision was made to cut the volume of emails down on the research/personal email.

The personal email intakes all the daily research and had become the go-to recipient for any “must give email info” for whatever item was being purchased or reviewed. The business email has no research and is just reserved for client contact as much as possible.

The Unsubscribe ExperienceUnsubscribe monitor-608241__340

Certain not a pioneer in this exercise but check out these results.

Daily emails of 200+ were the regular occurrence. Miss a day or heavens two … the tidal wave of email deletions was very time consuming.

After deleting only the necessary emails … be honest here. The line in the sand for this exercise was if there was no recent memory of opening the email … “Unsubscribe!”

The first day after 10-15 Unsubscribes, the time was too much and the delete button took over.

The next day around 10, followed by a declining amount daily. After a week, the Unsubscribe was used only a few times AND the 200+ daily email count was down to well under 100.

One interesting item was learned during this experience. Many of even the more “Proper” email sources were very difficult to complete the Unsubscribe experience, making for a bit of a brow raiser concerning the legitimacy of the company itself.  Definitely leading to hesitation for said product in the future.

Now missing a day or two will not feel like an email tidal wave is waiting… Go ahead, give it a try … so what if it’s not spring, you can still do some cleaning!

Holiday Schedule

Next week is normal, BUT the school calendar has pushed our gang’s Holiday break to the first full week AFTER the New Years !

Our official start of 2018 will be the 8th of January … we will remind again.

Have a Great “Less Email Cluttered” Friday and super weekend.

John A. Kvale CFA, CFP

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