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Weekly Articles by Osbon Capital Management:

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 of promotions, free trials and millennial-oriented advertising. Beyond the marketing, here is what we’ve found works…

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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 learned about today’s college admissions process. 1.…

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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 what can you do about it? Signs of financial self-pressure Do you make a…

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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 Dictionary for several weeks and have picked out a few favorites for you to…

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Avoid the Situations that Lead to Investment Mistakes

Apr 3, 2019 - Max Osbon ( 6 mins to read)

Why do people sometimes make bad decisions? Even smart, open-minded, thoughtful people can and do make poor choices. But why? This article is inspired by a conversation between two of my favorite thinkers, Shane Parish of Farnam Street and Adam Robinson, founder of the Princeton Review. Their research identifies situations where we are prone to mistakes and poor judgment — specific circumstances where we should just not make any important decisions. Here are the fundamental sources of mistakes, often inevitable,…

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When Is Passive Too Passive?

Mar 12, 2019 - Max Osbon ( 7 mins to read)

Regular readers and clients know Osbon Capital Management as an early and continued champion of index investing. Five years ago the distinction between active management and passive indexing was fairly well defined. Passive meant holding a market cap weighted basket of stocks. Active investors practiced stock picking, and some market timing, hoping to avoid the losers and find the winners. Over time that distinction has become far more nuanced. We now see many variations and shades of passive… and clear…

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Warren Buffett’s Insight Never Gets Old

Feb 27, 2019 - Max Osbon ( 5 mins to read)

On Saturday, Berkshire Hathaway released its annual shareholder letter. For investment professionals and BRK aficionados, it’s something to look forward to every year as must-read. The beauty of the letter, penned by Warren Buffett, is how well his comments about Berkshire, one of the world’s most valuable companies, apply to individual investors. Here’s what we learned this year from the 54th annual letter:

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A Look At Business Cycle Confidence

Feb 20, 2019 - John Osbon ( 5 mins to read)

The business cycle has gone onward and upward for ten years. That has meant positive returns for investors in equities, debt and real estate alike. The question of when it ends seems to be a perennial question. It's a question that we hear often from clients, prospects, friends and family. Headlines can be particularly unhelpful as their news model is often reliant on triggering emotional reactions for clicks. To us, it doesn’t look like the cycle ends anytime soon. Here…

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How To Know A Client

Feb 13, 2019 - Max Osbon ( 5 mins to read)

We often start new client conversations by asking a simple and direct question, “What does the ideal investment relationship look like to you?” No two answers have been the same. Whether the individual is most interested in sharing ideas, taxes, trusts and estate, investing or something else, a good advisor actively works to know and understand their client. Here’s what that looks like.

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