Couple of degrees (clinical biology, chemistry), have had many occupations and locations, hobbies-basketball, triathlons, tennis. 1996-2003 averaged about 37% a year on a system I developed. System was prevented by legislature and new regulation and oversight, so I missed my million by a couple of years. Have spent another 10 years since then to develop another system-this one probably will work better (fingers crossed).Try not to listen to others, but cant help it if I find someone that seems to have the same picture (at least for a day). Still have to pay son's college and be prepared for REAL retirement (the sick and dying type). Started trading mutual funds in 1980, while trying to support myself in college (yep, no money from the parents). My methods-charting, spreadsheets, back-testing.