Client Portals

ARTICLES

Written by Max & John Osbon

Weekly Articles by Osbon Capital Management:

Fear du Jour

Fears turn over like the seasons change

Jun 5, 2019 - John Osbon ( 6 mins to read)

A trade war that continues to expand, with more countries involved and louder saber rattling. An unpredictable president. Uneven corporate earnings. An approaching election with 25 candidates, each with his or her own policies, prejudices and priorities. A stalemate in Washington, leaving important initiatives like infrastructure stranded at the curb. It’s a lot. No wonder so many people are wo...

READ MORE ›

Our Favorite Tools For Personal Payments and Cash Flow

The Latest Providers We Use To Make Payments Easy, Modern and Painless

May 28, 2019 - John Osbon ( 5 mins to read)

When it comes to paying for goods and services you have many choices these days. The least attractive (besides the quickly disappearing handwritten check) is physical cash, even for small purchases. Over time it has simply become easier to make purchases without paper or coins. In the post-cash era, new payment providers and startups are fighting to gain users and credibility. That means lots o...

READ MORE ›

Four Points to Consider When Holding Debt

May 22, 2019 - Max Osbon ( 5 mins to read)

There are many ways to borrow money. It could be a mortgage, personal line of credit from a bank, home equity line of credit (HELOC), student loan or a personal loan. When done properly, investors can leverage debt to their benefit. While lenders may make efforts to differentiate their offerings, what matters above all else is the rate you’re paying to service the debt. Let’s take a look at the range of interest rates and three other key elements to…

READ MORE ›

The Fiduciary Care Checklist

May 15, 2019 - Max Osbon ( 6 mins to read)

Last week’s Beyond Meat IPO was stellar as the Uber IPO was about to arrive. Then Uber flopped big time. And new tariffs with China sent markets straight down. Events like these can make you wonder what steps you need to take, if any, and which information is practical and useful. Fiduciaries think about this every day. Here’s a checklist for fiduciary care of a portfolio. Classify every item ...

READ MORE ›

Ten Tips for College 2019

May 8, 2019 - John Osbon ( 11 mins to read)

Guest Post This week's post is guest authored by Dana, an engineer and former US Army Officer, and a close friend of Osbon Capital Management. My spouse and I applied to college in pre-internet days. We now realize how much times have changed! With our oldest child a high school senior this year, and with two others on deck, we had to come up to speed on “College 2019.” Here are ten lessons ...

READ MORE ›

How Much Financial Pressure Are You Putting On Yourself?

Apr 30, 2019 - John Osbon ( 5 mins to read)

Warren Buffet says, “Don’t risk what you already have for what you don’t need.” Like most sage remarks, this seems so obvious, but has big implications for how we live and make decisions. When we overreach financially, we open the possibility of going backward instead of forward and experiencing much more stress and uncertainty than necessary. Is this happening to you? What are the signs and wh...

READ MORE ›

Not All Bad News Is Created Equal

Apr 23, 2019 - John Osbon ( 4 mins to read)

This week is a major earnings week. If you follow business news it’s quite likely you are going to hear the term “earnings recession” this week. If you do, please immediately remind yourself that an earnings recession is not the same thing as an economic recession. There’s no reason to panic over this R word. Let’s take a closer look at the details for a better perspective. The other kind of r...

READ MORE ›

The Devil’s Financial Dictionary

Apr 15, 2019 - John Osbon ( 7 mins to read)

Long time financial writer Jason Zweig published The Devil’s Financial Dictionary in 2015. The book is both factual and lighthearted. It’s easy to see our personal weaknesses in Zweig’s Dictionary. He says that the definitions are “mostly true.” He also uses a red dollar sign to flag things that may not be technically true, but still say something about the industry. I have been reading the Dic...

READ MORE ›

Investing With Retirement in Mind

Apr 9, 2019 - John Osbon ( 6 mins to read)

A quick check of the top news stories over the weekend showed four prominent articles about retirement - how to retire, figuring out if you have enough, what to do if you are stuck, and so on. Apparently, retirement is on the minds of many investors, young and old. This news focus reminded me that retirement investing is a lifelong endeavor. It’s a good idea to invest early and as if you are go...

READ MORE ›