Hello Everyone: The only addition I have to my overly wordy intro. is I enjoy communicating with SA reader's. Please, do not hesitate to write personally on stocks or on commentary made within. I have met some very intelligent individuals both domestically and overseas that I communicate with quite regularly to our mutual benefit financially and personal enjoyment socially. If you haven't tried it, do! I look forward to hearing from you and will certainly always respond! Moving along the continuum of time, I have been invested in the market successfully for 30+ years. Part of the general "diaspora" from New York City, (Queens), and now a (retired) educator and self-taught (organic) rancher in West Central Texas I have always had a profound interest in geo-politics and history as it relates to economics. Possessing degrees in politics, electronic engineering, as well as a separate masters in education I have been fortunate to have traveled extensively and worked for several international firms most notably in Sweden and Canada before doing what amounts to missionary work in our public schools, as a humble teacher. My investment philosophy is conservative, yet on occasion contrarian. For example commodities in the early 70's, presently high quality US dividend aristocrats - mixed with some well entrenched or positioned European securities that offer consistent dividends and growth upside. That said, I too believe long-term investment is the "sine qua non" for financial success - unless you are steeped in financial wizardry and luck, which I certainly am not nothing usually takes the place of "time in the market". I have also constructed a firm inner ring of dividend aristocrats that allow my (outward) "concentric ring" to flourish. However, in a dangerously (???) over bought market I have gathered the wagons and sold off a number of smaller European and global equities that have profited during our long bull run-up - while awaiting like Godot the inevitable 20 -30 % correction. I have always invested in dividend stocks, and will continue to do so; I do not "play the market". "Dividends are real money and do not "lie" about a stocks overall performance. The goal always is to be equal to and greater than inflation - beyond the pablum of government disseminated statistics that nothing is costing us more, to buy quality when others flee, to invest and not flip equities for a quick dollar, to hold on, but know intuitively by experience when to sell, if, for example (more concretely agreed upon), if a dividend is cut. I enjoy SA, and believe it is a positive forum for intelligent conversation concerning investment and economics. Again, look forward to hearing from you.