By day, I work as a teacher in Berkeley, California. By night, I analyze potential investment targets. In my life, I am interested in Medicine and developing businesses in the field of Education, but when it comes to stocks I can't seem to take my eyes off of the Financials. As a 25-year-old, my investment outlook may differ from that of many other investors. For instance, I don't believe people my age should hold US Government bonds in their portfolio, given the current yields. They may be safe from default, but not from negative real yields. On the other hand, I see opportunity in stocks. I have little interest in trying to predict the short term market trends or engage in trading. In fact, I want most of my long positions to go down in price right now so that I can increase my ownership share. My first ever major position was Apple, but I sold it in the 200's. Today I often comment on articles related to Bank of America because I think Bank of America has great potential and I have made it a major position in my portfolio (about 20% of my worth). Besides BAC, my favorite stock is an insurance company; one which I will write about soon. If I could be invested in any type of business, it would be insurance, for reasons I will also write about soon.