My name is Rick and I am a non-practicing CPA who does some part-time consulting. I have always been interested in the markets and began investing from approx 15 years old. I've been educating my sons Evan and Todd since they were about 15 years old and they have a nice little portfolio at Vanguard. My portfolio is primarily value and dividend based as well as allocations to MLP's and REIT 's. I use the equity in my accounts to sell naked puts on quality companies. The return far exceeds a cash secured put and I have no problem owning any stock if it were put to me.