I Received B.S. in 1966; took several courses in Economics, a couple semesters of accounting, one elective in corporate finance and one in business law. Much of what I learned has become quite obsolete in light of ongoing rates of change within the financial world. In financial self-defense, I started investing in April of 2009, fairly close to market bottom, because savings accounts and money market interest rates were less than inflation. I've shifted from seeking capital gain stocks to those dependably yielding dividend income and have made up, to a limited degree the interest income I might have gained had not interest rates for savors essentially dropped to less than zero. I don't consider myself any sort of investing authority or expert in any way, but enjoy reading the columns in Seeking Alpha.