Insights on markets, emergent trends, history, innovation, risk management, global economics, strategy, policy, and other topics that catch our attention. Inspired by ongoing research, conversations and events. Written and edited by Osbon Capital Management and published every Thursday morning.

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2024 will bring more positive novel surprises. New years always do. In 2023, it was the dramatic acceleration in AI, which touches nearly every industry, and the early stages of an answer to the obesity epidemic with GLP-1s. Here is a list of what’s on our minds going into 2024.

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Maximize Your Health and Wealth

There aren’t many free lunches in healthcare, tax planning or investing. The Health Savings Account (HSA) comes pretty close. Designed to help you save and pay for medical expenses, HSAs are an example of a major investment and tax benefit hiding in plain sight. Less than 15 percent of those eligible use them. Do you?

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Prepare for New Tax Plan

Between now and year-end — and perhaps well beyond — we can expect the popular news to be dominated by the tax reform debate. The last tax reform law to pass muster was in 1986, thanks to President Reagan and Speaker Gephardt.  Their reform was a true bipartisan effort. It seems we’ll need another two-party effort to reform our system this time around. How can you protect yourself now if you don’t even know if a bill will pass or what it will include? Read on…

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Only 1/3 of investors like their portfolio

Research shows that only 1/3 of investors are currently comfortable with their investment portfolios. That’s a very low satisfaction rate, given how long and hard people work for their money. If you’re one of the many people not happy with their portfolio, we want you to know we are expanding our investor client base at Osbon Capital to include people who don’t yet meet our usual $5M threshold for investable assets.

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More Income From Your Portfolio

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

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?

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?

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

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?

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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