I and my wife own and operate a popular seasonal pet friendly waterfront cottage resort in Northern Ontario Canada in the summer called Sunny Point Resort, Cottages & Inn. In the winter we become the tourists at our Fort Myers villa. Up until 2011 we owned 10 properties with 37 apartments and a Val-Pak advertising franchise for 25 years until 2008. My business experience is similar to how I invest. I buy quality names for income. Appreciation happens. When the market values decline, my rents from good quality screened tenants always came in and when business conditions suffered my vast array of clients and premium advertising product continued to generate excellent income while inferior advertising businesses failed and declined. I eliminated financial planners when I figured out that 1, the returns they generated were substandard, that 2, as one accumulates more and more money there are less "professionals" to give sound advice and 3, I realized after reading Josh Peters The Ultimate Dividend Investors Handbook that he was buying and holding stocks like I was buying and managing my apartments.