born in Palm Beach Florida, educated in Britain, i moved to Hawaii at the age of 18. married to a European Countess, we have lived abroad for 18 years. primarily between India/southeast Asia and Latin America. an avid reader from a young age with an interest in the history of banking and human nature i turned a modest sum into an amount which enabled me to retire at the age of 35. this was done in the period between 1985-1995 by investing and trading long term and zero coupon treasuries. with the changes made to the methodology of calculating CPI (and Unemployment) in the early 1990s, "normal" interest rate cycles ceased to exist, along with opportunities for large gains by trading zero coupon treasuries. i began investing in stocks in 1996 and so far have earned more than i have lost. i am a surfer and windsurfer.