An active investor in stocks, options, and mutual funds for over 30 years. My wife and I live in April Sound in Montgomery, Texas. I have recently retired from Contrack International as a Business Manager and retired earlier from the State of Texas Public Education System. Graduated from Baylor University in 1968 with a BME degree in Music Education. Completed a Master's of Music Education from North Texas State University in 1976. Completed Texas certification for Mid-Management and Superintendent of Schools from Stephen F. Austin State University in Nacogdoches, TX in 1988.