As a professional speaker, offering investment education workshops through Sanitate Associates for the past 22 years, Michael has received outstanding evaluations from lawyers, CPAs, and non-profit organizations. His 2nd book, "Financial Foghorn's Guide to Gold," is available at his website, financialfoghorn.com. He currently writes a weekly, off-beat newsletter vaguely covering precious metals. A former prosecutor and college professor, Michael entered the securities business in 1982 as a retail stockbroker for Dean Witter. He managed over $145M (Big money back in the 1990s) as a portfolio manager for Santa Barbara Bank and Trust. Other relevant financial experience and education: * Baccarat dealer, Kings Castle Hotel, North shore Lake Tahoe. * Lecturer for the University of Maryland in Germany and Japan. * Financial columnist for the American Bar Association Journal. * NASD, NYSE and AAA arbitrator for securities cases in L.A. * Toastmasters for ten years, Club President, Contest winner. * AAII meeting speaker in Pasadena, Los Angeles, and Palm Springs. * Online video financial programs presenter for the Accounting Professionals Education Network (www.ACPEN.com.) A partial list of former speaker workshop clients includes: Money Magazine, Bank of America, Goodyear, J.R. Simplot, Northern Telecom, and American Hawaii Cruise Lines. Law Firm programs: Alston and Bird (Atlanta); Freeman, Freeman & Smiley (Los Angeles); the Fresno, L.A., North Dakota Bar Assns. CPA Society presentations: in over 35 States. Non-Profit Organizations: Cambridge House 2009 Las Vegas Gold Show, The Aspen Institute, City of Hope National Medical Center, The Chautauqua Institution, National Society of Fund Raising Executives, and L.A. Planned Giving Roundtable - 2005 Investment/Gold Panel. Member: California Bar Association; Western Pension Benefit Conference; American Society -Training and Development (ASTD). * Penn State University, 1967; Hastings College of the Law, 1970. * California Community College lifetime teaching credential, 1981. * Certified Financial Planner, CFP Institute, 1991.