I'm making a case against how money managers are handling customers' money. The objective of the customer is not being met if the fund managers are diversifying their assets into hundreds of businesses. If they do this, they are typically performing close to the indexes. But that's not the way wealth is created.

The philosophy to 'buy and hold' is a philosophy that I use to manage funds.

You can't look at the intrinsic value of gold as you can a business. Gold doesn't give you cash flow, and, at the end of the day, cash flow is what is important. Gold doesn't give you dividends.

I wouldn't be where I am, if not for Jamaica. My formative years were here. I wouldn't have the confidence that I have if I wasn't born here, because growing up here I knew I could become anybody I wanted to become. There was no ceiling on top of me.

If people perceive themselves as having very little opportunities to be fulfilled, then it cheapens their life and outlook. The solution is to reverse it; make sure they know opportunities abound.

The mantra of the National Commercial Bank is 'building a better Jamaica.' If this bank is going to be everlastingly successful, it has to take on the ailments of this society.

Doing business in Jamaica is not easy, but it is rewarding.