Professional Credentials: The reports that I write are my personal research and opinions. They are not associated with any firm or organization, and are not intended to be taken as investment recommendations or advice. They combine my passions of economics, finance, writing and education, and are intended mostly as educational material. I attempt to write the articles in an easy to understand down to earth style in an effort to help others with their research. This is my effort to bring understandable and educational professional quality research to the public at large free of charge. General Disclaimer for my Articles: http://seekingalpha.com/instablog/7360901-robert-wagner/2602471-securities-disclaimer-and-disclosure Academic BS Business, Majored in Finance and Economics, Miami University MA Economics w/ Managerial and International Emphasis, University of Oklahoma Career Past: Economics and Finance Instructor at various Universities Past: Mutual Fund Portfolio Manager of Family of Mutual Funds Past: CIO of Mid-Sized Investment Management Firm Professional: CFA Charterholder Please note that the content of this site should not be construed as investment advice, nor do the opinions expressed necessarily reflect the views of CFA Institute.