Civil engineer using nurtured logical predictive ability to increase my retirement accounts and thereby recover somewhat from the one two punch of a divorce (in 2007 I borrowed to settle and keep real estate) and real estate downturn (2008 my real estate went underwater). "A man who follows an independent and contrary path has no guarantee of making money… but a man who follows the great mass of conventional wisdom is practically guaranteed that he will not." Riches are made through focus and concentration on a few stocks. Riches are kept through diversification . . . Don't try what I am doing without your own extensive research.