I am a retired chemical engineer, and I have been an investor for the past 12 years. My portfolio is my full time job and failure is not an option. I am a dividend investor. I believe in holding stocks, bonds, CEFs or whatever that pays hefty dividends above 7% and still have some potential for appreciation. My current portfolio is mostly preferred stocks. but I am diversifying into MLPs, REITs, and bond CEFs. I have done extremely well with this strategy-up 35% since the October 2008 market highs. Because I am a senior, I am not too interested in dividend growth. That is a good strategy but only for younger investors. My primary interest is in learning from other dividend investors so that I can continue to improve my performance. I read dividend articles on the web and I have a good library of books on dividend investing. I am writing a “how to” manual on dividend investing which has two purposes. First, I will give it to my friends to help them, and second it helps me to clarify and better formulate my investing process. I call it a manual because I am not a writer. I believe in the concept of multiple streams of income. In addition to investing, I have a computer company that specializing in computer repair and networking. I also have my own tax preparation business which runs for three months out of the year.