Michael's Investment Perspective:
Navigating Wealth, Risk, and Life’s Lessons

 As the automotive industry accelerates towards electrification, the landscape of vehicle maintenance is undergoing a significant transformation. Historically, investing in companies like Snap-On Inc. (SNA) —a leading manufacturer of professional tools and equipment—has been a sound strategy for capturing the universal and ongoing need for mechanical maintenance. Snap-On’s tools have long been indispensable for maintaining everything from cars to heavy machinery, offering steady demand regardless of which automaker or technology dominated the market. However, with the rapid rise of electric vehicles (EVs) , this once steady demand for mechanical tools may soon face disruption. Electric vehicles represent a fundamental shift in how cars are built and maintained. Traditional internal combustion engines (ICEs) are complex, requiring a wide array of mechanical parts that need regular service—oil changes, tune-ups, filters, belts, and more. Snap-On has thrived in this environment, suppl...

 When managing a trust, especially one designed for a child with special needs, such as a little girl with Autism, it’s important to ensure that every financial decision is made with care and precision. One effective and low-risk investment for trusts is I-Bonds, which offer a combination of inflation protection and steady growth. However, as interest rates shift, you might find that the fixed portion of your current I-Bonds is no longer competitive with the rates now being offered. In this post, I’ll outline a simple strategy for redeeming I-Bonds and rolling them into newer bonds at the higher rates without needing to touch a personal or external bank account—specifically through TreasuryDirect’s internal mechanisms. This method is perfect if you don’t have a dedicated bank account for the trust and rely on custodial brokerage accounts for other investments.