I am a retired federal employee (QA Analyst), former teacher and writer, married, and a mother and grandmother. I own my home free and clear. I inherited most of my stocks, and have worked to track and maintain them, as well as learn as much as possible about investing. I am grateful for this gift, and so I honor my benefactor by responsible ownership, and by teaching my children the advantages of smart financial management. Although I was born and grew up on the eastern seaboard of the U.S., most of my immediate family now reside on the west coast. I find the pace of life here not nearly as frenetic as in other locales. My husband and I live in the country with our 4 cats and their various "guests" and "presents." I took an accounting course some years ago, partly to advance in my job, and partly to learn how to better read annual reports. Although I earned an "A" in this course, and had an excellent teacher, completion did not bring me the career advancement I had worked toward, and I did not continue with further accounting courses. Accounting isn't my bag, but I still recommend taking such a class to most anyone beginning or continuing higher education.