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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A Peek at the Future

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

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

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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Another Crisis Anniversary

It’s been one heck of a year. Almost one year ago our crisis year began. From Brexit to Trump to Brazil this past year it has been one unexpected event after another. How can a reasonable person invest through such chaos? If we look more closely, you’ll see there’s a way.

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The D10: Ten events. Infinite challenge.

Our favorite event of the year has a new name for 2017 – The D10 – but the big idea hasn’t changed. Each summer we run, jump, throw, lift and more, all for charity. The competition is fast approaching in July. We’re excited, working hard to get ready, and raising money for Dana Farber too.

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Investment Journey

It happens to many of us. You get to the point where you decide about your family’s investment management. It can happen when the dollar amounts or time required to manage investments exceed what’s comfortable for a do-it-yourself situation, or the legal, tax or estate planning aspects get too complicated. Four prospective clients are going through that right now: an entrepreneur couple, a lawyer, an independent woman and an investment executive. If you are curious about how they do it, read on about this real-time investment journey with real people.

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New Technology For Estates

Where do you keep your most important information and documents? Are they secure, easy to access and available to share with others who need them? A new tool from Fidelity just made that whole issue much simpler and more convenient – for you and your family. Fidelity now lets you store, access and share digital copies of your family’s most important documents, at no cost. This is cloud computing at its best and most personal. Read on for simple next steps.

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Three Budget Habits of the Truly Wealthy

Budgeting is like dieting, when it’s too strict it quickly falls apart. Fortunately there are simple ways to get around the challenges linked to budget discipline. Lead by example and teach your family members to follow these habits and you’ll ensure their financial stability in any environment. Here are three tried and tested habits:

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Are Your Millennials Missing Out? 

It’s not surprising that financial literacy is a top concern parents have for their kids. Whether it’s watching children struggle with money decisions, or worrying about them responsibly handling their eventual inheritance, parents have good reason for concern. Kids don’t learn much about personal finances in school, and in many families it’s not a typical dinnertime topic. Here are some steps you can take to build strong family habits around shared financial literacy:

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