I'm a retail investor with a modest amount of investing experience. The purpose of my commentaries is to provide a discussion as to why I would make certain investments over others. Disclosure: I am not a broker or advisor. My commentaries or opinions are based on what I use to make investing decisions and therefore the responsibility to do market research and due diligence rests on the reader. As of 2-13-2014, I am Long AMLP, BAC, BKCC, BLW, BX, EWA, EWJ, HE, HTA, MO, and PFE; I own physical silver; and my IRA holds AHITX, AMECX, AMRMX, ANCFX, and NEWFX.