As the saying goes, the market goes down faster than it goes up - although over time it goes up more than it goes down. We certainly saw that in Q4, at least through November.

Electronic payments are faster than cash, safer than cash, and easier to track and record.This sets up an enormous addressable markets where there will be 750 billion electronic payments per year by 2020 - and increasing at double digit rates.

While it's not the most glamorous thing in the world, all businesses - particularly large scale enterprises - need efficient service operations.

Let's take a look at a few industries that - while every participant in them certainly isn't of "green dot" caliber - they still provide attractive characteristics that could produce a few select companies definitely worth a look.

Jamie Dimon of JPMorgan Chase (JPM), and Warren Buffett of Berkshire Hathaway (BRK-B) - posted a thought-provoking editorial to the Wall Street Journal. Here are a few things we can learn from it to improve our investing outcomes going forward.

Over the last 30-40 years, this industry has produced some of the best long-term performers in the entire stock market, and yet today, there is more opportunity than ever. This industry is enterprise software.