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Weekly Articles by Osbon Capital Management:

A Message of Unity

Independence Day 2020

Jun 30, 2020 - John Osbon ( < 1 minute to read)

For this July 4th on Saturday we are sending out a picture of the various American Flags that have existed throughout the founding of our country. You can see how the stars and stripes have changed in number and design. These flags are a reminder that our country has changed a great deal in 244 years, and will continue to change as we progress forward. How many American flags have there been? 27 Since the founding of the United States in 1776, there have been 27 different versions of the...

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The Math of Retirement

3 Important Questions

Jan 29, 2020 - Max Osbon ( 5 mins to read)

There are many ways to look at your financial circumstances over the course of a lifetime, but at some point we all give some thought about how well prepared we are for retirement. Will money be tight, or will we have plenty to live the life we envision? Do we need to make changes in investments, spending or expectations? Let’s explore three financial elements that affect the math of retirement...

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Consensus Is Rare

Disagreement is essential for functional markets

Oct 15, 2019 - John Osbon ( 5 mins to read)

It’s difficult to get a broad idea across in one headline. When it is done in the investment media, the bias almost always skews negative, mostly for dramatic effect. If all indicators were bad, everyone would want to sell and there would be no buyers. With positive consensus, on the other hand, there would be no sellers. A broad and balanced take on the market, with both positives and negative...

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Free Is Not Free

Why You Should Be Skeptical When Prices Drop to Zero

Oct 7, 2019 - Max Osbon ( 7 mins to read)

Schwab made the headlines last week when the company announced it was cutting its trading commissions to $0. While this may seem like a great deal and an obvious win for consumers, there is more to the story and cause to be dubious. Specifically, if Schwab earns nothing via buying and selling securities for its clients, then how does it actually make money? It’s a question worth asking. Let’s f...

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100-Year Bonds for the United States

Better to Issue Than to Own

Sep 3, 2019 - John Osbon ( 5 mins to read)

The US Treasury has been considering issuing 100-year bonds for some time. Based on recent comments by the US Treasury Secretary this may actually happen this year. These are unusual monetary times that allow the government to lower its financing costs. But what are the implications for US individual investors? Do bonds due in 2120 make sense for you? Current long-term rates in the US For exp...

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The Almighty Dollar

Dollar Strength Benefits Investors

Aug 26, 2019 - John Osbon ( 4 mins to read)

Heading into the final third of the investment year there are few sure things for investors to count on. One sure thing, however, is the US dollar. It has been appreciating slightly for years, and has been strong even though the US economy would be doing better with a slightly weaker dollar. Why do we believe dollar strength will persist? The only game in town The major currencies competing f...

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Our Favorite Theories, Principles and Laws Named After Famous Thinkers

What Can We Learn From Eponymous Laws?

Aug 13, 2019 - Max Osbon ( 9 mins to read)

This week we decided to have some fun by exploring our favorite eponymous laws, theories and principles and how they fit into the world of investing. This is a list I’ve been wanting to write for a while, at least since I discovered Sayre’s law two years ago. The fantastic thing about these observed laws is that they are based on real people’s experiences, cultivated over a lifetime of work and...

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Steps To Prepare The Next Generation For Wealth

Jul 30, 2019 - Max Osbon ( 5 mins to read)

Wealthy families often find themselves debating how to best approach the subject of family wealth with their children. The hesitation tends to center around how to share information about wealth while maintaining motivation and instilling the values of hard work and responsibility. What's the right age? What's the right level of detail? Where should you start? Here are steps you can take right ...

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A History Lesson from Ray Dalio

A look into the past investment decades and where we are today

Jul 24, 2019 - John Osbon ( 5 mins to read)

Ray Dalio published his “Paradigm Shifts” on July 17. I recommend it for any investor who wants an intelligent, dispassionate history of investing broken down by decade. Ray Dalio and Bridgewater, the hedge fund he founded, have the money and the track record to back up his assertions. Is another paradigm shift happening now? What does Ray Dalio have to say about paradigms? Dalio says that “u...

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