This is Howard Marks.

Howard Marks Howard Marks Memo - The Winds of Change

Howard Marks: Luck, Risk and Avoiding Losers [The Knowledge ...

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The Impact of Debt

The Impact of Debt

Best Quotes from Each Chapter of “The Most Important Thing” by Howard Marks

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Howard Marks Quotes (Author of The Warren Buffett Way)

Howard Marks Howard Marks Memo - The Winds of Change