I am an individual investor. Before I retired I was an active trader, but I use a more conservative approach now. Like many in my situation, I am looking for dependable yield. I am not an economist, but have almost enough post-graduate economics credit to earn an MS. I had a hard time with integration, and one can't be an economist without integral calculus. I also have done graduate work in online curriculum design. During my years in Houston I worked as a systems integrator (software and hardware consultant) focusing on Land Use. For a while I was an executive with a geophysical services firm there. I have also been a landlord and owned oil wells. There's nothing like having skin in the game for learning how things really work. Having been away from petroleum exploration and production for so many years, I consider myself to have a layman's knowledge of the economics and technology of the industry. It's a pretty good understanding, but I communicate in words most people understand. Shortly before my retirement I did some consulting for a few large chemical and refining operations. I say operations because some of them were plants owned by major integrated oil companies and some were independent chemical manufacturers. This experience gave me a more complete understanding of the manufacturing end of the energy industry.