I was born in Maryland and live there to this day. I love that we have mountains, the ocean, Chesapeake Bay, Baltimore and rural areas too. I did my undergraduate work in Physics and focused on finance when getting my MBA. I have always had in interest in personal finance and spend a lot of time working Yahoo Answers helping the new and the young with advice. I am huge fan of the 401K because it allows for almost anyone with a job to be a first generation millionaire with limited risk and expense. I lecture anyone who will listen on the idea of starting young, investing regularly, diversification and accumulating wealth without spending a lot of money on fees or time on research. My articles will typically focus on the long term opportunity of a particular equity and will make a good addition to your diversified portfolio.