Retired and reformed Management Consultant, ex-Accenture Partner now focusing on trading and investment. Significant trading activity in 2014, writing options and special situations. On the sideline thus far in trading 2015, with a view that trading risk/return is unfavorable. Still holding high-dividend investment portfolios, with the view that interest rates will rise slower and less than the market expects, leading to adequate or better returns in the mid-term. Especially when considering alternatives: value, growth, GARP, real estate, commodities, etc. Forex offers opportunity this year, but personally not interested nor experienced in that area.