Just a regular guy in my late 50's getting serious about investing for retirement. Inspired Oct 2010 by reading Long Term Investing authors on SA (and learned commentators) to cash out mutual fund IRA and start Div Growth portfolio (fat 6-figures). Also have a Brokerage Stock portfolio with present employer 401K. Career; 31yrs IBM VLSI technology and DRAM development 4yrs Silicon Valley High Tech Investing; as of 1/10/2013 Portfolio 1; Cash (0.3%), OHI (33%), MAIN (33 %) , T (33%) Portfolio 2: AVA(5.88%), COP, JNJ(8.28%), KMB(8.55%), KMI(3.2%), LEG(6.6%), LMT, LYB, MAIN(3.3%), MCD(6%), O(2.2%), OHI(1.3%), NSC(5.9%), PAYX(6.5%), PG(7.5%), T(6%), cash (2%), Largest (JNJ, KMB) = 8+%, Present Approx Fwd 1 yr Div = 3.75+ % Portfolio 3; (Brokerage 401K); AVA, CMI, CVX GE, MCD, OHI, PFE, cash = 5%, Present yield = 5+%...... will vary as I add to positions or new ones. Academic; BSEE, MSEE, PhD. Materials Science, Adjuct Professor, Fulbright Visiting Professor (Sweden) The guitar in thumb nail is a Les Paul knock off I built from scratch (someday when I REALLY retire, i would like to build guitars). She looks and sounds fabulous; great Rock-a-Billy tones with selector set to Treble, Blues tone to die for with switch set to Rythm. I have had professional musicians wax poetic over her (makes a dad proud). The only problem, it is a lot harder to play a super-premium guitar at it's level of capability, than to build one.. at least for me.