I am a semi-retired fixed income investor located in Western New York near the Pennsylvania border. In 1989 I was hired as a fuel attendant at a retail gas station/ outlet store. Over the course of the next seven years I worked my way up through the ranks to become general manager. This experience is how I gained the majority of my business knowledge, combined with my own readings. Beginning in 1996 my wife Anna and I bulit our own business, retail, mail-order and distribution; which we were fortunate enough the grow into a multi-million dollar enterprise. We decided in 2005 to liquidate our business operations and focus more on family. Since that time the majority of my time spent on financial matters is focused on managing the income stream derived from our portfolio. I hold an Associates Degree in Business Administration from Jamestown Community College.