I spent thirty-six years in the fire service and am now retired. I invest for income and portfolio growth, I watch and research stocks daily. My interest in investing started in 1980 when I was elected to serve as a trustee to the police and fire retirement fund my city has set up. I served in that capacity until about 2004 and during those years I learned a great deal about investing ( mainly that the market goes up and the market goes down) but one thing I did learn real well was that the money managers we hired to manage our thirty-six million dollar fund made mistakes every day. And even though they averaged a pretty decent return on our investments, I was amazed at some of the bone headed moves they made in their buys and sells. I took my responsibility of being a fiduciary very seriously so I was a very outspoken advocate for the members of the fund, over timed I earned the respect of the money managers and city officials involved with the management of said fund. Since retiring I've taken what I learned and have put it to work with my own retirement savings.