Tag Archives: Visual Capitalist

Rates… Fastest Increase Review … Looking Forward for Effects … Newsletter Precursor …

Posted on May 24, 2023 by | Leave a comment

This is an updated chart from our favorite buds Visual Capitalist…

Last year we spoke of the speed of interest rate increases a lot… given the unique pace at which rates increased AND the super low level of (zero is about as low as you can go) starting point … it became a shock to the financial system….

So in all likelihood, rates are near their top for the foreseeable future….what lies ahead?

We will have more on this in the coming Newsletter but rates 500 times higher than they were just a few quarters ago AND looking to stay higher… there are major implications..

Debt/Financing costs higher =

Better safe investment returns aka Fixed Income/Bonds

More costs to debtors (lower returns for those using debt because of higher costs)

End of companies requiring very low costs to make profits

Have a Great “Fastest Rate Increase Effect” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Debt - Debt Management, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments

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How Much to Tip? Restaurant, Transportation, Hotel … Personal funny notes …

Posted on April 26, 2023 by | Leave a comment

Break In – Jogging season has arrived in full force … tend to be chatty after a long jog, especially in the cool weather… funny personal stories … warned!

With the “Tax Month” aka April, almost over, a monthly video review coming your way, and travel season nearing….

Our friends at Visual Capitalist came through with a three part graph that we just could not pass up…

Enjoy!

World Restaurants – How much to tip?

Funny personal story – while on a trip in one of the much lesser foreign tipping countries below….

Could not figure out why the great service at the bar …

Then bar tenders began fighting over our service as we rounded up, not only in a lesser tipping country, but a foreign misunderstood currency that was WAY too much… But … GREAT service for sure! ooops

Transportation – Taxi aka Lyft Uber

Another personal insight – The earlier or more unusual the time, the better the tip –

Running late and made it for sure a good tip (rare late arrival, but has happened)

Always a good tip, as any lost or left behind items seem to find its way back quickly – very frequent when the kids were younger!

Hotel Tips Protocol

As a family we try to always leave things nicer than the way we found them… especially in the individual owner world of Airbnb or VRBO —

Always leave a nice tip for everyone…again similar to transportation, the large numbers of power cords, video game accessories and “Unique” personal items that have made their way back more than compensate!

Told ya that jog makes for chatty! ha

Have a Great “Know Your Tip amount” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Education, John Kvale, Personal

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Global Happiness – The worlds Happiest Countries another fun Chart from Visual Capitalist ….

Posted on March 29, 2023 by | Leave a comment

We thought you might like a fun chart from one of our favorite sources, Visual Capitalist …. this time, how about Global Happiness…

From the article:

To create the index the map is based on, researchers simply asked people how satisfied they are with their lives. Scores were assigned using these self-reported answers from people living within various countries,

Source:

https://www.visualcapitalist.com/worlds-happiest-countries-2023/

Have a Global Happy Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Education, Investing/Financial Planning

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Price Changes 2020 – 2022 – Consumer Related (CPI – Consumer Price Index) – Visual Capitalist

Posted on February 27, 2023 by | Leave a comment

Over the weekend, with rain and overcast for the better part of 4 days… the wheels were working on the February review as well as the Newsletter….

Another nice chart popped into the email box from our Buddies at Visual Capitalist concerning Consumer Costs ….

While you may have seen some similar charts, the layout of this is terrific, as usual ….

Health and Education have run off to the races over the years….

Have a Great “Cost Increase Review” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Economy, Education, Interest Rates

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Top 50 Websites in 2023, From Visual Capitalist … Feeling Well but from the Road!

Posted on January 25, 2023 by | Leave a comment

Good news… the feeling under the weather is much better, still low on stamina but that will pass… other news… On the road most of this week, testing that Stamina comment ..haha

Sure we spoken of this before, but worth a revisit early on in the new year —

Top 50 Big Boy Web Sites of 2023

Thanks again to our buds and Visual Capitalist

Still no idea who Yandex is…and finding YouTube more interesting and a go to for almost everything including most recently product comparison reviews and electrical light switch installation help!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Education, John Kvale, Personal

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How Snowflakes are Formed … Very Relevant in Our Neck of the Woods recently… Preview of more AI (Artificial Intelligence) and good ole Federal Funds Rate (Increase this week)

Posted on December 24, 2022 by | Leave a comment

Ya ya … it was 100+ degrees for like 60 days this summer….those afar go ahead and giggle (many have already jabbed- tha’s cool and deserved – haha)… in the 20’s suddenly and the schools in our area were closed T-Friday — Make up Weather days here we come…. amazing how out of sorts the schedule can get with just a few snow days….digressing

How Snowflakes are formed

Of course from our buds at Visual Capitalists… thought timely for sure!

Travels Coming – Previews

With some business and pleasure travels planned – south and north soon, early work on posts are on deck… Want to talk more on AI (Artificial Intelligence) if you missed it, we spoke about it here- who knew it would be so cutting edge… not us – and our good ole friend Federal Funds Rate which were raised this week….

Ahhhhh….today is a “Thaw out Friday” and “See how much School can be forgotten in Three… no Four Days” Weekend…

Enjoy your Friday and weekend1

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

Leave a comment

Posted in Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Retirement Planning

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Make Up Travels – Fun Start to the End of Year Holiday Season – Billion Download Club of Music Via Spotify and Visual Capitalist …

Posted on November 28, 2022 by | Leave a comment

With a short turn around trip early this week and a bit of a Thanksgiving whirl wind conclusion…. ByTheWay Thanksgiving is really becoming a favorite Holiday – Everyone for the most part is “Thankful” …. some seasonal Movies commence that are usually light hearted and fun…. even some radio stations go 24/7 Holiday tunes… what is not to like? Ok… digressing…

With the end of the month coming, a make up from bad weather trip early this week…. and Donald the Brain with return home transportation troubles…. A lighter start to the week … speaking of music?

Billions Downloaded Music Club – Spotifiy and Visual Capitalist

See Below for details – tried twice and picture still not great quality

Here is the site from our friends at Visual Capitalist – Top 20 of a total 300 club!

Track NameArtistPlay count (billions)Track length (secs)Release date
Shape of YouEd Sheeran3.32332017
Blinding LightsThe Weeknd3.22002020
Dance MonkeyTones And I2.72092019
One DanceDrake2.51742016
rockstarPost Malone2.52182018
Someone You LovedLewis Capaldi2.51822019
SunflowerPost Malone2.51582018
CloserThe Chainsmokers2.42442016
BelieverImagine Dragons2.32042017
SeñoritaShawn Mendes2.31902019
bad guyBillie Eilish2.21942019
PerfectEd Sheeran2.22632017
Say You Won’t Let GoJames Arthur2.22112016
STAYThe Kid LAROI2.21412021
Don’t Start NowDua Lipa2.11832020
God’s PlanDrake2.11982018
Heat WavesGlass Animals2.12382020
Lucid DreamsJuice WRLD2.12392018
Thinking out LoudEd Sheeran2.12812014
Bohemian RhapsodyQueen23542018

Have a Great “Ease into Holiday Season Post Thanksgiving” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

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Posted in Donald Capone, John Kvale, Personal

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October 2022 Financial Planning and Capital Market Review – DMA Reminder – By John Kvale CFA, CFP

Posted on October 31, 2022 by | Leave a comment

Hello and Welcome to our October 2022 … 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 audio format as well as Video!

Dallas Museum of Art

2 PM Saturday Afternoon November 19th before Thanksgiving Weekend

Newbies –

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

Hope you enjoy!

October 2022 Video

YouTube

Financial Planning Tip(s)

New Retirement Contribution Maximums

  • 401(k), 403(b), most 457 plans, increased to $22,500 (2023), up from $20,500 (2022)
  • Catch up for those over 50 is increased to $7,500 (2023), up from $6,500 (2022)
  • Total max 401(k), 403(b), most 457 plans including catch up is $30,000 (2023) up from $27,000 (2022)
  • limit on annual contributions to an IRA increased to $6,500 (2023), up from $6,000 (2022)
  • IRA catch up for those age 50 and greater remains $1000
  • Annual Gift Exclusion amount increased to $17,000 (2023) from $16,000 (2022)

Highlighted in this post

Capital Market Comments

Fastest Interest Rate Increase EVER – That’s a long time1

Our friends at Visual Capitalist are at it again with a superb chart we have been watching for, here in this post we highlight the following chart of just how fast this interest rate increase has been – fastest ever that is

Recall this is a TEMPORAY headwind to Fixed income instruments, that show up in greater magnitude due to the FOMC’s aggressiveness…

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.

jkfinancialinc

street-cents

Leave a comment

Posted in Audio, Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments, Monthly Review, Podcast, Retirement Planning, Video

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Fastest Interest Rate Increases Ever, and that’s a long time … Friends at Visual Capitalist

Posted on October 19, 2022 by | Leave a comment

From our friends at Visual Capitalist …

This is pressure for now, but pleasure as our income from our fixed pays out more!

When the Fixed Income market breathes, rates typically go down in a slowdown…. even with the Fed raising short term rates… actually especially when they raise short term rates…

Have a Good “Temporary Pressure Eventual Pleasure” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

Leave a comment

Posted in Economy, FOMC, General Financial Planning, Interest Rates, Investing/Financial Planning, Market Comments

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Who Drinks the Most Beer? …. Visual Capitalist …

Posted on September 14, 2022 by | Leave a comment

Almost hit you with …

“A hotter than expected CPI (Consumer Price Index) led market participant selling yesterday!”

Heck that is old news and news we expected and items we have been talking about a lot AND will talk about in our coming Newsletter….. We are prepared….

How about some fun?

Who Drinks the Most Beer?

From our favorite friends at Visual Capitalist …

How about Per Capita

Go Czech republic go Wow! 28th Consecutive Winning Year…. Wow Wow!

Have a Great “Beer Consumption Informed” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

Leave a comment

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