I'm a self employed personal investor. I have two professional degrees: JD. and CPCU. I'm a retired arbitrator: NASD-R and NYSE. Most of my employment was in the legal department of casualty insurance companies in Ohio and North Carolina. I was in private practice in Ohio . I consider myself as a novice investor, trying to learn daily. I consider myself as very conservative. I have many friends, who have more smarts than I have in economics and the investing field. I listen to their comments, the same as reading what the seers in prints publish.