I am an individual investor, asset allocation strategist and author of "Master the Markets with Mutual Funds: A Common Sense Guide To Investing Success" . I enjoy saturating myself with as much information and as many opinions as I can. I am also the founder of Allocation For Life, www.allocationforlife.com. It is a subscirber based newsletter service for self-directed individual investors that own my AFL models, which are available at Folio Investing. I manage 6 asset allocation AFL models and manage the AFL Multi-Cap Growth and AFL Multi-Cap Value models.