Jeff Kowalk

“It is my proposition that the human race has become a collective problem-solving machine and it solves problems by changing its ways. It”
― Matt Ridley, The Rational Optimist

“A firm's income statement may be, likened to a bikini-what it reveals is interesting but what it conceals is vital.”
― Burton G. Malkiel

“The grim irony of investing, then, is that we investors as a group not only don't get what we pay for, we get precisely what we don't pay for. So if we pay for nothing, we get everything.”
― John C. Bogle, The Little Book of Common Sense Investing: The Only Way to Guarantee Your Fair Share of Stock Market Returns

“The man who does not read has no advantage over the man who cannot read.”
― Mark Twain