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Boz & Company LLC

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Boz & Company LLC provides fee-only investment management and financial planning services. Investment Management and Research.

Boz & Company LLC provides fee-only investment management and financial planning services based on the value investing principles of Graham and Buffett.

11/01/2026

All that glitters is not gold.

"Binance, the world's largest crypto exchange by daily trading volumes, said on Thursday that investigations had 'uncovered additional points of breach,' contrary to initial findings that suggested the hack involved a single compromised laptop.

The hack played out in real time, as billions poured out of accounts on Thursday evening, sending crypto executives into a frenzy.

Chainalysis said the attackers have 'laundering patterns we have not seen before,' attributing the hack to TraderTraitor before the FBI confirmed the findings."

- DailyMail.com

A multi-agency federal investigation uncovered malicious North Korean cyber activity called 'TraderTraitor.'

10/21/2026

“'These accounts are the most tax-efficient way to save for healthcare expenses during retirement, especially Medicare premiums,' says Roy Ramthun, an HSA specialist.

To begin with, HSAs are tax-favored savings accounts that are paired with high-deductible health insurance.

So dollars go into the accounts tax-free. Then they grow tax-free. And if they are withdrawn for unreimbursed, qualified medical expenses, they are also tax-free.

HSA owners who delay reimbursements to let HSA assets grow can claim these paybacks later—even decades later. But they must have records supporting the claims. Many HSA owners digitize receipts to keep details straight, but a shoebox could also work.

Remember that HSA reimbursements cover a far wider range of health expenses than insurance. Among other things, they can be used for Medicare premiums (see below), a wig after chemotherapy, nursing-home expenses, a guide dog, contact-lens solution and even a home renovation to cope with disability."

- WSJ.com via MSN.com

An HSA can cushion the blow of medical expenses, but it’s also a tax-favored investment vehicle.

10/16/2026

"Meta said its new model, called Muse Spark Open, was built for coding and agentic work but acknowledged that Chinese open models are still superior for software development and some other tasks. It is the second open-weight model Meta has released since the company overhauled its AI efforts last year.

Apple’s Mac Mini and Mac Studio computers have proven popular among AI developers looking to run sophisticated models locally in their home or office. Apple’s computers are highly efficient, especially in how they use computer memory necessary to run models.

The Meta-Apple collaboration marks a new chapter for two companies that have long been foes."

- WSJ.com via MSN.com

The partnership gives developers a new way to run sophisticated AI without renting computing power from the cloud.

10/15/2026

"Social Security benefits will increase by 3.6% in 2027, following the latest inflation adjustments.

The Social Security Administration said it will start notifying people about their amount in November via its online portal.

An August AARP survey of 1,085 Americans ages 50 and up found just over half of recipients say Social Security is their main source of income."

- BusinessInsider.com via MSN.com

The Social Security Administration announced a 3.6% cost-of-living adjustment for 2027. Average monthly checks for beneficiaries will increase by $75.

10/13/2026

In the U.K. and Europe: The tragedy of the Commons.

"Who can we tax in order to pay benefits to others?”

"The U.K. is paying more for its debt than spendthrift France or historical basket cases like Greece."

"The U.K., like its European peers, is caught in a vicious cycle."

"Some seven million people [in the U.K.]—more than 10% of the population—now claim at least one or more sickness or disability benefits. The numbers are growing fastest among working-age people who should be powering the country’s economy, surging more than 60% in the past six years to 4.7 million from 2.9 million in 2019."

"The scale of the payout has become a scandal. No other western country has seen such a rise in disability claims. In the U.S., the number of people getting federal disability payments has fallen in the past 15 years. The most recent figures show some 10.6 million working-age people in the U.S. claimed one or both main Social Security programs for people with a disability, in a country with a population five times bigger than the U.K."

- WSJ.com via MSN.com

The U.K.’s welfare bill has ballooned, its borrowing costs are now higher than any G-7 nation and it’s paying more for its debt than even spendthrift France.

09/28/2026

"About 2,200 income-restricted apartments, or 8.3% of the city’s affordable housing stock, are sitting empty, according to CoStar. It is the highest rate since 2000 when the firm started tracking.

Portland’s affordable-housing sector was already stressed. Owners are dealing with rising costs for insurance, utilities and mortgage payments. But they also have higher rates of tenants who are behind on rent. As Portland’s downtown declined and crime rose, some owners say they have spent tens of thousands of dollars a month for private security around their buildings.

In June, Mayor Keith Wilson sent a letter to the City Council warning that the city’s affordable-housing portfolio was on the brink of 'financial insolvency' and that 'major housing assets may cease operations in as little as six months.'"

- WSJ.com via MSN.com

Rarely has the Oregon city seen such a narrow price gap between market-rate and affordable units.

09/12/2026

An educated populace is a more productive, prosperous one. Holding both the teachers and students accountable.

"There’s a reason education experts have taken to talking about 'the Southern surge,' not the 'red state rise.'

And sometimes, the unions can be won over—or beat. Consider recent victories in New Mexico, Maryland and Massachusetts, where advocates built the political will to adopt reforms despite pushback from their unions.

In New Mexico, lawmakers unanimously passed new legislation bringing the state’s literacy policies closer to Mississippi’s, including on issues like teacher licensure, coaching and curriculum. Amanda Aragon Bernabe of NewMexicoKidsCAN, a leading advocate for the reforms, said the biggest victories involve laws requiring schools to test young children for reading progress and to notify parents of the results. Parental notification is a key accountability component of Mississippi’s policy."

- WSJ.com via MSN.com

Powerful teachers’ unions are an obstacle to reform. But Mississippi’s dramatic breakthrough proves that evidence-based literacy can succeed anywhere.

09/12/2026

"Yields on conventional U.S. debt are rising because investors no longer regard Treasurys as safe, says Hanno Lustig, an economist at Stanford University."

Nominal interest rates are once again on the rise, not just inflation rates, but also real rates, reflecting the higher real cost of borrowing by the U.S. government related to the matter of trust.

- WSJ.com via MSN.com

For investors in or near retirement, inflation is always a threat. TIPs can get it under control.

09/07/2026

"The best trips don’t just change our scenery. They change us."

"No doctor is writing prescriptions for a week in Portugal (yet!), but the case is building. A review of recent travel studies found that the psychological benefits of a vacation, like improved mood and sleep, don’t vanish the moment you’re back at your desk. Even the anticipation of a trip leads to feeling happier about your family, your health and your finances than when you have no travel planned."

"Similarly, a meta-analysis of 55 controlled clinical trials involving more than 4,400 participants over three decades found that the same ingredients that comprise a good vacation—passive, peaceful activities, like time in nature, or active pastimes, such as hiking—are good for our mental health."

"Awe functions as 'a primary driver of feelings of happiness, meaning, purpose and social connection in one’s life,' partly because it puts a person’s big problems into perspective, making them seem smaller, says Piff. 'Feelings of awe connect people to the larger things they are part of, the natural world, the universe, all living things,' he says."

- WSJ.com via MSN.com

Forget the staycation. Research reveals that travel can build stress resilience, sharpen cognitive health and ward off depression far better than staying home.

09/07/2026

"College-educated workers ages 22 to 34 years old have only seen worse unemployment in the past two decades during the pandemic and the economy’s slow rebound from the 2007-09 recession."

"The more physical and in-person the work is, the lower the unemployment tends to be by that occupation’s own historical standards."

"Especially among younger workers, those with less education are more likely to be missing from the labor force. That includes nearly a quarter of those with a high-school diploma, compared with about one in seven for those with a college or advanced degree."

- WSJ.com via MSN.com

Unemployment among younger workers who didn’t go to college has rarely been lower in recent decades. It is the opposite story for college graduates.

Address

525 3rd Street, Suite 200
Lake Oswego, OR
97034

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

+13608591150

Website

https://www.bozcompany.com/

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