I've been investing for over forty years, initially in bonds and mutual funds, then shifting to a diversified value oriented portfolio when my portfolio of mutual funds became a victim of style drift from Fund managers. My personal style leans towards value based purchases in the sectors of materials, pharmaceuticals, utilities, energy and industrials. These provide dividend income while waiting for a reversion to the mean from cyclical or collateral declines. My education background is a B.S. in Chemistry, and a MBA from a small private college in Central Florida.