I am a first generation American that experienced our Great Depression; which, together with a lot of "old country" baggage, keeps me creatively occupied and frugal to a fault (so says my wife). My main occupation was business management: for private owners and later for myself. After retiring, I cut my investing teeth during the dot com bubble: '01 moved profits into Forex options. My main retirement activity was investing in the depressed real estate market. Wishing to travel more in 2005, I sold my property, and now hold a solid mortgage portfolio. To consolidate my progeny's somewhat cloudy future, I am adding a market component that could be easily managed by less experienced family. I use a mix of virtual and real accounts testing promising programs for various asset classes. In between, my wife and I do a lot of tropical gardening and world traveling, including "grands" whenever possible.