Born in 1930, Caymagnate is getting about as old as dirt. Spent the greater part of life working for wages and did no stock investing until the late sixties when I began purchasing some get-rich-quick stocks. Obviously this was NOT a good plan. Later I began listening to TV market mavens and reading a few stock advisors' newsletters to select stocks. Again.... not a good plan. Then I started using my own judgment on what might be a good investment..... and "why". I left the U.S. several years ago and now reside in the Cayman Islands. I ain't rich... but I'm enjoying life.