I'm a personal investor focused on finding value in the 10-Ks of companies which have been relegated to the dumpster. I always strive to make conservative assumptions in my numbers and require a high level of comfort with the company's business model and products before making an investment. I have a degree in economics and have passed all three CFA exams (but I'm not a charterholder). I work as an insurance underwriter during the day and do this investing thing at night. If I can be right two-thirds of the time I'd be ecstatic.