Graduated from college with a Business Degree and a Major in Finance. Self-made. Retired 12 years ago. Began investing in MLPs, REITS, & Preferreds in 1996. Active personal investor for the last 27 years, which includes the Crashes of 1987, 2001, and 2008. The key to investing is time; investing for the long-term requires patience & commitment while we struggle in the short-term with emotion & logic. Dividends reward me for being patient. I prefer to buy income producing assets when they at the lower end of their trading range; the closer to book-value the better. I tend to buy and hold, unless the valuation gets out of whack, in which case I hope to sell, follow, and re-invest at a later date, post correction. Disclosure: (1,) I am making NO recommendations of ANY kind. I am merely sharing my personal ideas, for which it is 100% your responsibility to dismiss, discount or take value in. I typically already own a long position in any equity related to that which I am posting, and you should infer such as to ALL posts. (2.) This information is intended to provide my individual perspective as it relates solely to my personal investment decisions. As I have no knowledge of individual investor circumstances, goals, and/or portfolio concentration or diversification, readers are expected to complete their own due diligence before purchasing any stocks referenced.