I have been self-employed for the majority of my adult life, most recently as the owner of a Brick and Mortar used book store whose property my wife & I sold in 2007 when we semi-retired. Since then, my wife and I have continued to sell books at a reduced volume online and have authored e-books as well as publishing scarce out-of-print Public Domain titles in e-book format. Our e-books are mostly non-fiction in the area of 1) U. S. Civil War, 2) U. S. Indian wars; especially those in Texas & on the Great Plains, and 3) Texas History; both as a Republic and as a state. Our e-book titles can be found by a Google or other search of my name---Harry Polizzi---for any SA readers that may be interested. I have beed investing since the early 1960s, when commission costs on trades were astronomical and detailed information on companies was hard to come by. The Internet has made garnering company information much easier, but finding long term quality companies that pay and will continue to pay/raise dividends to provide a rising stream of income to present/future retirees, remains the difficult trick. My main focus is to uncover these quality companies that pay, and more importantly will continue to pay the dividend income investor a (hopefully) rising stream of dividend income. For those investing for retirement income or those in retirement who need more income, my articles will outline stocks that may help reach those two goals. Occasionally I will focus on an overlooked special situation that promises to fit this same bill.