WARREN BUFFETT : Millionaire dangdai

Mi hausa tawntawte zinga hmingtha em em reng Warren Edward Buffett hi kum 1930  August 30 khan a lo piang a, an unau hi pathum an ni a, a upa ber dawttu niin mipa awmchhun a ni bawk. A pa hi stock-broker a ni thin a, a hnuah politics luhchilhin Congressman (an MP)-te pawh a ni ve hman hial a ni.

Warren Buffett anga naupan tet atanga sumdawnna zeizia man hi sawi tur an tam lo ngawt ang. Kum 6 mi lek a nih laiin a pu grocery dawr atangin cent 25 in coca-cola pack 6 a lei a, cent 5 hlepin zu han hralh leh vek a!!  A rualpuiten infiamna hrang hrang an buaipui laiin a ni chuan sum a lo siam tawh tlat. Kum 6 mi a nih hian sumdawnna awmzia a man mai a ni lova, a practice daih tawh tihna a nih chu.

Kum  11 a nih hian khawvel sumdawnna lian lutuk, stock market-ah a lo inrawlh hman daih tawh bawk. Hemi tum hian Company pakhat Cities Service-ah share pathum, dollar 38 man theuh chu amah leh a u hmeichhia Doris-i tan a lei a, mahse, vanduaithlak takin hetia share a lei hnu lawk hian a share lei hlutna chu dollar 38 atangin dollar 27-ah a tla thla thut mai a. A hlauthawng hle a, mahse hralh mai duh lovin a nghak hram hram a, a share hlutna dollar 40 a nihin a hralh ta a. Mahse, hetia a share  dollar 40-a a hralh hnu lawk hian share hlutna chu dollar 200-ah a kai leh ta thut lawi si a, a ui hle. Heta a chetsualna atang hian sumdawnna kawnga zirlai pawimawh tak pakhat a zirchhuak a, chu chu ‘dawhtheihna’ hi a ni.

Zirna lam

Kum 1947 khan kum 17 mi a ni tawh a, High School atangin a Graduate hlim hlawl a ni. High School kal paha a chanchinbu semna atanga a hlawh $ 5,000 ($ 5,000 hi kum 2000-ah te kha chuan $ 42,610.81 zeta hlu a ni tawh) a khawl ran tawh avangin sumdawnna tenau din a bul tan a chak tawh hle a, college kal chhunzawm pawh a tum em em lo. Mahse, a pa chuan ruahmanna dang a lo nei daih tawh a, a fapa chu University of Pennsylvania hnuaia Wharton Business School-a kal turin ruahmanna a lo siam fel diam tawh a. A pa thu awihin Wharton Business School-ah hian kum 2 chu a han awm ve ren rawn a, mahse, an Professor-te ai maha a hriat zawk tlat avangin nuam tihna a nei lem lo.

Hetih lai hian a pa chu kum 1948-ah Congress inthlanna ah a tling lo hlauh mai a, chuvang chuan Warren Buffett pawh chu Omaha a an inah a lo kir ve leh ta a, a zirna pawh University of Nebraska-Lincoln lamah a insuan leh ta a ni.

Harvard-ah an hnawl

Warren Buffett hian a zirna chu a tha tawk lo deuha a hriat avangin University lar tak Harvard Business School-ah admission a han dil ve leh ta a. Mahse, Harvard chuan khawvel History a admission chungchanga thutlukna an siam sual ber ni thei hiala mawi chu siam palhin, “I kum a la naupang lutuk” tiin an lo hnawl a. Hei hi tun thlenga Harvard Business School hotuten an ui vawng vawng tur a ni ngei ang; Warren Buffet chu an school chhuak a nih teuh tehreng nen!!

Hetia Harvard lamin an hnawl tak avang hian Columbia University-ah a zirna chu a chhunzawm ta zawk a. Mahse hei hi a tan chuan a lo fuh zawk mahin a lang ta tho mai. A chhan chu an hunlaia khawvela investor lar tak tak Ben Graham leh David Dodd-te zirtirna a dawn theih phah tak vang a ni. Heng an zirtirtute hian a nun an thlak sak ti hialin an sawi thin.

Buffett-a chhertu Ben Graham

Kum 1920 chho velah kha chuan Ben Graham hi sumdawng lar tak leh fing tak mai  a ni a. Tum khat pawh Rockfellers ho enkawl oil transportation company pakhat Northern Pipe Line ho stock hi $ 65 in an hralh a. Mahse, an balance sheet leh an dinhmun, Grahama’n a han zir chian chuan an share hlutna chu $ 95 a ni daih tih a hrechhuak ta a. Company chu lei a han dil a, mahse, an lo phal bik ikhaw lo mai a. Mahse, a beidawng duh chuang lova, an Board of Directors ho chu engtin tin emaw a ti kual a, an karah lungawilohna a tuh sauh sauh a, an bond tamtak chu a hlutna aia tlawm fe in a leisak nghek mai a  ni.

Ben Graham hian sumdawnna lam hawi lehkhabu pawh a ziak nual a, chung zinga pakhat, The Intelligent Investor  phei chu investment lam hawi lehkhabu ropui berte zinga chhiar tel a ni nghe nghe.

Hetiang a nih avang hian kum 22 mi lek ni a an University-a Buffett-a a rawn luh laite chuan Buffet-a tan chuan idol a ni tak meuh a. Amah atang hian thil tamtak a zirchhuak a ni.

Graham hi Buffett hian a ngaisang khawp mai a. A chanchin a chhiarna atangin Graham-a chher puitlingtu chu Insurance company hriat hlawh lemlo tak GEICO a an Chairman a ni tih a hrechhuak a. Chu pa hmu tur chuan Washington DC lamah a liam ta vang vang mai a. Chutah chuan a tum loh deuhin mi pakhat, Lorimer Davidson-a, an Financial Vice President  nen an va intawng nawlh mai a. Chupa nen chuan darkar 4 zet an va inkawm ta zawk a, chuta tang chuan a bultanna tur kawng a ngaihtuah chhuak ta a. A hnuah phei chuan  a corporation Berkshire Hathaway hmangin GEICO company chu a nei zui ta nghe nghe a  ni.

Columbia-a a zir lai hian Warren Buffet hi Graham-a class a A+ hmu thei awmchhun a ni nghe nghe.

A zirna a zawh hnu a a lo haw chuan a pa hnuaiah hna a han thawk ve ta ren rawn a. Chutah chuan hmeichhe pakhat, Sussie Thompson nen an intawng a, kum 1952 April thla ah an innei ta nge nge a. Room 3 chauh awmna in pakhat chu $ 65 a luahin he hmunah hian an fanu Susie chu a piang nghe nghe. Sum a ren bawk aniang, a fanu lo piang tan pawh chuan drawer-ah khum zu han siamsak a!!

Hetih hunlai hi chuan a sumdawnna kawngah pawh a talbuai ve hle a. University of Omaha-ah zan lam class (Dale Carnegie-a thusawi zirna leh thian siam dan zirna) a kal pah bawk. Chutianga hun harsa tak a hman mek lai chuan vanneihthlak takin a tan hun tha a rawn inher chhuak ve ta hlauh mai a. A ngaihsan em em Ben Graham khan a hnuaia thawk turin a rawn sawm ta hlauh mai a ni.

Ben Graham-a hnuaiah a thawk

Ben Graham-a hnuaiah chuan S & P reports an tih mai chu zirchian hna thawkin, nitin mai hian investment tihna tur remchang zawn chu a hna pui ber a ni a. Heta tang hian an ngaihdan leh duh dan inan lohna pawh a lo langchhuak tan ve bawk a. Warren chuan Company hnathawh dan leh an elpuite laka chungnung zawk nih theih dan ngawt a tuipui a.  Ben Graham erawh chuan an elpuite laka chungnun tumna a nei lova, an sum lakluh a pun thur thur chuan a duhtawk viau thung a. Tichuan, Ben-a hnuaia kum 6 a thawh chhung (1950-56) chuan sum leh pai pawh $140,000 zet a lo khawl hman ta bawk a, hma thar la turin Omaha lamah a liam leh ta a ni.

Tichuan, a unaute leh a thawhpui dangte nen Buffett Associates Ltd an din ta a. Kum pawh a vei hmain $300,000 zet a lo thawkchhuak hman der mai a ni.

Hei pawh hi hlawhtlinna ropui tak a nih tawh laiin ruahmanna lian tak tak a lo la nei cheu mai.   In pakhat, “Buffett’s Folly” an tih mai chu  $31,500 in a lei a. A tira ama bedroom atanga sumdawnna bul tantu khan Office a nei ve ta a. Fa pawh pathum an nei ve ta bawk.

Hma lam a pan zel

Chumi hnu kum 5 chhung chuan an Partnership sumdawnna chuan hlep ringawt pawh 251.0% neiin an kal chho a. An hlawhtling takzet mai. A fimkhur bawk a, a thiante leh mikhual tuma hnenah stock lama sumdawnna kawngah thurawn a pe duh reng reng lo.

Kum 1962 a lo nih meuh chuan a sumdawnna chuan $7.2 million zet a lo hawlh chho ta a. Chung zinga $ 1 million chu ama pual liau liau a ni bawk. US-ah ringawt pawh zawmpui 90 zet a nei hman a ni.

Buffett Partnership sumdawnna bul a tan atang kum 10 a liam meuh chuan an thil neih pawh 1156% zetin a lo pung hman tawh a. Ama mimal sum leh pai pawh maktaduai tamtak a ni ta. Buffet-a tak tak a rawn lang tan ta!

Mi hausa dangdai Buffet!!

Berkshire Hathaway Company lian taka a inrawlh chhoh dan leh a neitu nihna a neih chhoh tak dante pawh hi ngaihnawm tham sawi tur a awm a. Mahse, sawi vek sen a nih rih loh avangin  sumdawng hausa dangte nena an inan loh dan, a danglam bik zia leh amah a entawn tur awmte lo tarlang ila.

Warren Buffett hi midangte tanpuina kawngah a thawk hlawk takzet mai. Kum 2006 khan khawvel nghawr dawt khawpin, $37 billion zet mai chu a thian kawm ngeih em em khawvela mi hausa ber Bill Gates-a te nupa enkawl Bill and Melinda Gates Foundation hnenah a pek tur thu a puang a. Hei hi charity a zawnga la lian ber mai a ni ta nghe nghe. Hetiang taka midang tana thilpek pe tam hi an la awm ngai lo.

Kum 2006 khan Warren Buffet hian a hausakna zawng zawng atangin 99% chu midangte tanpui nana pek zawh vek a tum thu a lo sawi tawh a. Khawvelin mak a ti a,  thil tiha a chhunzawm tak zel avang hian mak tih a hlawh lehzual a. He a thutiam tihhlawhtlin nan hian a khat tawkin a billion lek lekin (!) thilpek hi a pe deuh reng mai a. Berkshire Hathaway-a a share tam tham tak takte chu amahah lut lovin midangte tanpuitu pawl hrang hrangte hnenah direct-in a luh tir mai thin a ni.

Kum 2008 khan Forbes-in khawvela mi hausa berah an puang a, hemi kum hian $ 62 billion zet a nei niin chhut a ni. Amaherawhchu, charity-ah a pek hnem em avangin a kum leh ah chuan a hausakna a tlahniam nasa a, $37 billion chauh a lo nei tawh a nih chu! Kum 2018 a lo thlen meuh chuan charity lamah hian $50 billion vel zet a pechhuak tawh ni a sawi a ni ta hial a ni.

Hetiang taka hausa a ni chung hian kum 1958-a $31,500 a In a lei-ah khan a la cheng ta reng a. Laguna Beach, California-ah dollar mtd.5 man zet in nei ve tho mah se, a cheng peih chuang lo an ti.

Warren Buffet hi thufing tak tak sawichhuah ching mi a ni bawk. A thusawi leh tawngkamte hi fing leh tha pui pui tamtak a awm a. He a tawngkam pakhat te mai pawh hi sumdawnna luhchilh tum tan chuan hriat reng chi a ni:

“Rule No.1: Never lose money.

Rule No.2: Never forget rule No.1”  –Warren Buffet

Sum leh pai hi hloh tur a ni reng reng lo. Sumdawnna ah phei chuan hloh hi a thiang lo.

Hmingthanna/hmingthatna hlawh tur hian hun a duh rei zia hi a hrechiang berte zinga mi a ni ngei ang. Chutih rual chuan chu hmingthatna chu hun reilote chhunga tihchhiat mai theih a nihna pawh hi a man khawp mai a. Chutiang hrechiang apiang chuan nundan an uluk mai thin.

“It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you’ll do things differently” Warren Buffet

Pressure nasa tak hnuaia khawsa thin tan chuan he a thusawi pakhat pawh hi inhnemna tlak tak mai a ni. Miten a dik lo, a dik an tih avanga dik leh diklo hi kan ni lo. Keimahniah kan chian tlat chuan, midang chuan engti pawhin lo sawiin ngaihdan lo siam mah se, nghet takin a din theih thin a ni.

“You are neither right nor wrong because the crowd disagrees with you. You are right because your data and reasoning are right.” – Warren Buffet