Articles

Written by Max & John Osbon

More Income From Your Portfolio

September 20, 2017 - John Osbon

Investments serve several core purposes. One of these is generating cash flow — income that can be reinvested or spent. Nice levels of income are available if you know where to look. As we rebalance to keep Osbon Capital portfolios risk constant, we are making allocation changes to increase cash flow. Here are some of the methods available to us.

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You Can Beat the Equifax Breach

September 13, 2017 - Max Osbon

Last Thursday’s announcement of the Equifax breach was a monumental moment for personal financial security. Nearly 44% of Americans had their social security numbers exposed by hackers. Here’s what you can do about it.

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What Makes Gold A Useful Investment?

September 5, 2017 - John Osbon

Gold is on the rise again. At $1340 per ounce, it’s up a sharp 23% from 2016 and a solid 11% since March of this year.  This has been one of many strong periods for the heavy metal over the years. Why?  Very simply, gold is a solution for many investment problems.

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What’s your TWA rating?

August 30, 2017 - John Osbon

TWA is back. No, not the airline. This TWA is about your capacity to manage your own investments.  Do you have the time, willingness and ability to be successful? Few do. There’s a way to find out.

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4 Ways To Ease Your Investment Fears

August 22, 2017 - John Osbon

Investors prone to worry can find plenty to be fearful about during this third week in August. Fear is a real emotion that demands attention and understanding. It does NOT require drastic investment action. Here are 4 ways you can live with your investment fears…

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What is the Penalty Economy?

August 16, 2017 - Max Osbon

The penalty economy’s objective is to guide people into paying more than they intend when they are confused, distracted or too busy to care. It’s not necessarily illegal or even unethical. Have you been spending money in the penalty economy?

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The New Philanthropy Page

August 7, 2017 - John Osbon

Charity is a basic human instinct. The desire to help others with money, time or talent is wired into our very selves. With that in mind, we’re pleased to announce this morning the new Osbon Capital philanthropy page.

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What are Anti-Goals?

August 1, 2017 - Max Osbon

Charlie Munger, Warren Buffet’s longtime business partner, has said, “A lot of success in life comes from knowing what you want to avoid: early death, bad marriage, etc.” Charlie was talking about a problem solving technique called “inversion.” We use the term “anti-goals.” Either way, focusing on what you want to avoid is a very powerful tool.

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Decathlon Raises $100k for the kids

July 26, 2017 - John Osbon

Over the weekend, Max and I participated in our favorite event of the year, the D10. It’s a decathlon for professionals from the financial industry and other fields. Dozens of us spent Saturday at the MIT track running, jumping, throwing and lifting. We love the competition and the cause. This year’s Boston event raised $100,000 for pediatric cancer. 

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Four Ways To Give Up Certainty 

July 19, 2017 - John Osbon

In the investment industry, “certainty” is typically defined in terms of a specific guaranteed return. For instance, savings accounts and US Treasury Bills offer certain (but low) returns. T-Bills are finally paying some interest now, a whopping .98% annually. Call it one percent, or $10,000 dollars on $1 million, essentially risk-free.

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To Give or Not To Give

July 12, 2017 - Emily Scott

When asked what one of the bigger personal challenges a philanthropist faces, the answer often is “saying no when asked for funding, board participation, or a time commitment.”  At The Philanthropy Workshop, where I am an alumna, we refer to this as the investment of our time, treasure, and talent.

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Let the kids touch the money

July 5, 2017 - Steve Mott

Would you turn your family checkbook over to a twelve year-old kid? My mother did. It went better than you might expect.

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A Peek at the Future

June 28, 2017 - Max Osbon

I spent the weekend at an invite-only financial regulation round table hosted by Jo Ann Barefoot, senior fellow at Harvard and a veteran of the financial regulation world. Jo Ann founded the Barefoot Innovation Group. Over the course of the weekend we discussed the symbiosis (interaction) of the old guard and the new in banking, lending, asset management and regtech (regulation technology). Here is what we learned.

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5 Summer Investment Goals For Your Kids

June 21, 2017 - Max Osbon

Given that the first official day of Summer was yesterday, June 21st, we thought it would be appropriate to suggest a handful of financial and investment goals for your family to explore over the next thirteen weeks. We’re all busy, so I selected these because they’re short, sweet and effective. See if you can manage to tackle all five before September 22nd.

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Four Reasons It’s Time To Sell

June 14, 2017 - Max Osbon

We’ve noticed that some clients have two problems: significant cash balances as well as significant capital gains. Clients can sometimes be torn between investing more, or lightening up. On an investment journey, those courses of action seem small now but are crucial over the long run. Here are four reasons you might want to sell.

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