Hello,

My pen-name is Howard Marks.

I am a stingy and conservative investor.
I hate losing money.
I love the idea of money making money.
I believe in passive income.
I don't like speculation.
I love long term investment.
I am loyal to the art of compounding.
I love to invest in undervalued things, tangible (sales) and intangible (equities)
I look at 2 sides of the coin before deciding to pick it up.

Most importantly, I believe in family & friendship above all else.