I'm an individual investor and trader. I'm currently retired. My professional work experience has been in commercial real estate, working for a major supermarket company and for an urban development corporation.

Bear_Mkt is my pseudonym, for reasons having much to do with prying co-workers and nothing to do with investing. Bear is also my usual investing view.

Don't take anything I write as a recommendation to buy, sell or hold any security, investment product or commodity. I'm just a writer and thinker. Worse, I'm neither good-looking nor very smart. No one in New York would ever ask me where Sixth Avenue is. I'm that bad. So do your own research and your own due diligence.