Weekly Articles by Osbon Capital Management:
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How Big Is Your Financial Cushion?
At some point in your financial life you have more money than you need to live on, so you invest it. But even after you have built a big nest for the money eggs, you still need a cushion, an emergency fund, or some readily available cash that’s always there when you need it. But how much do you need? Here are four ways to help you find the answer.
How To Prepare For The Crash
Wait a minute. What crash?! No need for panic. I am absolutely NOT saying a crash is right around the corner. But big, scary declines are standard market events that happen, on average, about once a decade. This week is almost exactly the eighth anniversary of the end of the stock market crash of 2008-09. It’s just common sense to ask yourself from time to time how well prepared you are for the next one. Let’s take that opportunity right now and look at the bright side for some benefits.
Seven Habits of Truly Successful Families
For several weeks we’ve been discussing what Charlie Collier found when he studied what made wealthy families truly successful over the long term. While panning for nuggets from our previous posts, we see seven indispensable practices that maximize family wealth, and here they are…
Social Capital is Your Bond With Society
This is the third in our series on true family wealth. We previously discussed the most obvious form of wealth — financial capital — and the most important form – human capital. Today we move on to social capital. Your family’s social capital is used to care for others beyond your family.
The Most Important Component of True Family Wealth
This is our second in a series exploring the elements of true family wealth. Last week we covered the obvious and most easily measured one, financial capital. This week we’re on the most important one, according to family and wealth expert, Charlie Collier. As you consider your own family, this category deserves lots of attention. So what is it and why’s it so important?
Is Robotic Investing Right For You?
Is a machine up to the task of managing your money? A lot of venture capital money is betting yes as more and more “robo-advisors” hit the market. Fascinating stuff, but the closer you look, the more algorithms, formulas and artificial intelligence come up short. Technology has a big role in investing, but there are still many circumstances when human touch and insight just can’t be replicated. Here’s a guide for managing your money in the robo age.
Sentimental Stocks and What To Do With Them
You probably know someone in this situation, or maybe you’re in it yourself: holding a large position in a single stock. You might have earned it over a long career at the company, or inherited it from a spouse, or received it as a loving gift. Through appreciation and steady, increasing dividend reinvestment, the position has grown quite large. But has it grown too big? Has this legacy stock become a potential problem, representing needless and dangerous risk? Here are some thoughts:
How You Can Put Solutions Into Your 2017 Resolutions
Savings are so important to your financial goal. How many times have you started the year by resolving to put more money into savings and investments? If it’s more than once, it’s safe to say the resolution didn’t work. With New Year’s resolutions you may maintain your resolve for a few months, but if old habits take over, it’s back to the drawing board the following year. It doesn’t have to be that way. Here’s what we suggest to get out of the resolution loop.
Should You Have An Investment MRI?
Healthcare went through a revolution when MRI (magnetic resonance imaging) became commercially available in the ‘80s, courtesy of GE. X-rays could show bones, but MRIs could show soft tissue all around the bones, and even everything inside the skull. Doctors went from looking at skeletons to looking at whole bodies.
Similarly, we take an investment MRI approach to portfolio analysis, looking past the basics of stocks, bonds, alternatives and cash. Our MRI reveals what is actually happening, why, and how. Here is what we look for:
