Over forty five years of investing experience. Three Master's degrees. Retired, except for some rental real estate. Serve on three professional boards dealing with property management and regional symphony orchestras. Play in a super regional symphony orchestra and regional professional concert band. On SA to learn, have fun and tweak some egos..especially progressive dimwits. Disciple of Harry Browne's portfolio system (income, permanent and speculative) with real estate and other income streams. It works. I am a 1%-er.