The Three Killers of Misunderstanding Investing | investing

An annual delight of mine is reading Warren Buffett’s annual letter to shareholders. Buffett has very much influenced me as a financial advisor and how I manage investments. In this year’s letter he writes, “Investing is often described as the process of laying out money now in the expectation of receiving more money in the future. At Berkshire we take a more demanding approach, defining investing as the transfer to others of purchasing power now with the reasoned expectation of receiving more purchasing power – after taxes have been paid on nominal gains – in the future. More succinctly, investing is forgoing consumption now in order to have the ability to consume more at a later date.”Whew, it brings tears to my eyes. Each time I meet with a client, I always try to reframe the concept of “money” and “investing”. Money is all about purchasing power and it’s all about buying things at some point in time. It’s laughably simple, but to me I can think of no other concept that common investors miss. Here are three implications of missing the concept:1. Responding to volatility – It is human nature to run from scary things. Each time the market goes down, investors panic out of the market. In my opinion, the only time an investor should take his or her foot off the gas pedal of investing is when they have decided that it is time to buy things in the near term. Otherwise, all sails should be up, your hand should be on the helm and you should ignore the reports of monsters in the waters or that you’ll sail off the edge of the world. If you think about when the money you have invested will actually buys things, the answer is often not in the foreseeable future. Naturally it’s different if you are living off your investments in the present time particularly if you are in long term care rapidly draining them down, but this answers the important question of when you are going to buy things. Volatility must be looked at as only that: volatility. Volatility is simply the price of admission that you must cope with in the task of seeking to outpace inflation. Historically, speaking of the broader capital markets, volatility has never ended up being a long term risk.2. Being irrationally conservative – If an investor embraces the concept that you are taking an amount of money that has purchasing power, investing it in something and that when it is done it will have a different purchasing power afterward, then he or she would probably keep as little money in cash equivalent investments as possible. I think it’s always important to assess how much cash somebody needs to have on hand, but then to highly discourage having anything more than that figure. I have no idea why somebody would get a CD for money that they are not likely to spend in their lifetimes. If somebody gets a $100,000 one-year CD earning 0.50% when inflation is 3.00% in essence they’ve lost 2.5% or $2,500 at the end of the term. If each year this was sent as a bill, I have a feeling people wouldn’t do this as much as they do. Elsewhere in the Berkshire annual report, Buffett notes that since 1965 the dollar has fallen by 86%! It takes $7.00 to buy what $1.00 bought back then. Investors who are earning a rate less than inflation are kidding themselves if they think that they any portion of that interest as “income”. And to turn the knife, that “income” is usually fully taxable. Cash is like oxygen, you want a little around you to breathe, but anything beyond that should be promptly deployed.3. Jumping into Bubbles – This type of investment shows the ugly side of supply and demand. Sometimes an investment will increase in price only because of an expanding pool of buyers and not because the investment is increasing in value. There will be a group of buyers in an investment. More are attracted to that pool not because of the investment, but only because they believe that the buying pool will expand further. The investors are not investing because of what the asset will produce (usually the asset is a zombie from a rational standpoint), but rather because they believe that in the future other investors will desire it even more. The essence of a bubble is that it doesn’t have to do with the investment itself and that there isn’t anything to numerically justify it, it’s all about expecting future buyers of the asset. To me, gold is a bubble. It is a zombie asset and the only thing driving the price is the hope that in the future somebody else will come along who will buy it for more than what you bought it for. This isn’t investing, it’s speculating. If you were given one ounce of gold when you were born, when you died you would have… one ounce of gold. The cruel experience is that investors usually see prices rise and it justifies their investing hypothesis – at least for a while. As a financial advisor, there’s no shame in telling people they shouldn’t invest in something based on principle and then to see the prices of that investment rise afterward. There’s no shame in being temporarily wrong.I think that when investors seek to denominate their money in a manner which orients it around the reality that people purchase things now and in the future, then they are likely to let go of their primitive fears that cause them to do foolish things. 5 years, 10 year, 50 years, 100 years from now humans will consume more than they do now. When you have money denominated (or invested) in a stock, it is a piece of a company that in the natural flow of business will raise its prices along with seeking to expand its sales (which all things equal, should happen simply by population growth and also perhaps by the emerging consumers across the globe). Some investments are designed to keep up with rising prices, others are not designed that way.There are strategies that compliment this, but before investing you have to embrace that it’s about purchasing power and guarding that. Secondly, that if you aren’t exercising your purchasing power (otherwise known as buying things), it’s unlikely that you have any rational reason to cash out your investments. History has taught us that this approach consistently works so long as people don’t let their emotions take the helm.

VoIP Services – Enjoy Easy Calling | business services

The latest VoIP services allow the ‘next generation’ users to make the most of unified communications. The internet telephony services deliver a competitive edge to all its users with efficiency in operations, increased productivity and improved customer services. As a matter of fact, these services help the business entities to establish reliable and secured connections with others at relatively low costs. The business entities can make the most of these services to dramatically simplify and improve their business communications as well as increase the agility of their enterprises.As per the predictions, it can be said that in the upcoming 20 years or much sooner, global telephone systems will run mainly on the fiber optics rather than coaxial wires. The advanced internet telephony services using the broadband speed internet connections to transmit the data packets would be the norm as opposed to the wires in the traditional PSTN services of recent times. With the VoIP services, the users are expected to bring about a reduction in the monthly telephone bills by up to 40-60 percent.The most important facet of VoIP phone service is the low costs as well as their easy installation. To make the most of these services, the users would need a service provider, a PC, a broadband connection and an Analog Telephone Adaptor. Usually, the standard equipment such as an ATA is supplied by the providers when the users sign up for IP telephony services. The companies that offer such services are better known as VoIP service providers, wholesalers and resellers.The service providers lead the other two groups by offering some portion of their services, according to the specific needs or requirements. In some parts of the globe, these services are ruling the roost over the PSTN services as they are backed with various features and benefits such as:1. Flexibility: The VoIP services allow the users to enjoy IP telephony solutions in a more flexible way. This advanced service gives a liberty to the business entities as well as individual users to extend or add telephone lines in their exiting systems, for instance.2. Reliability: The business entities must always choose a provider that satisfies and guarantees the maximum quality in the business services. And if possible, one must opt for the provider that offers a free trial for its services. This is because contemporary market is flooded with service providers and many a time it becomes rather difficult to zero in on any one.3. Scalability: The Voice over IP service can be experienced anywhere across the globe, as they are location independent. As a matter of fact, one requires a broadband speed internet connection to get connected from almost anywhere, even from a remote location.4. Additional services: Unlike PSTN services, the voice over IP business services is backed with value-added offers. The users can enjoy 3-way calling, caller ID, call forwarding and call waiting. Importantly, one can even participate in audio as well as video conferencing.5. Cost Advantages: With the Voice over IP services, the users can cut down on their monthly telephone bills. As a matter of fact, cost advantage is purely dependent on the selection of the VoIP service provider and more importantly on products that the users use.To conclude, the Voice over IP services are backed with some very extraordinary features that are driving its rapid adoption by both business entities as well as casual users in diverse parts of the world.


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