Born 1936 in Japan. Graduated from a HS in Kyoto and obtained a BS,MS & PhD degrees in Metallurgical Engineering from Missouri University of Science & Tech. Worked for Fed. Gov. and private industries @ R&D centers retiring in 2005. Hold several patents and two of them are widely used today in heavy industries. I have no financial degree but have been interested in investment since 1962 when the first stock purchase was made. 80% of my retirement money and cash are tied to stocks, mutual funds, equity options, etc. Actively participate in a dozen trades every month.