Individual investor interested in dividend growth stocks and building an income producing portfolio to cover my yearly expenses. I tend to concentrate my efforts on stocks which grow earnings and dividends, which provides outstanding total returns over time. My primary focus is to invest in companies that pay substantial and growing dividends, with solid balance sheets and strong cash flows, that are trading at or under my calculated intrinsic value for the company. Capital appreciation is of secondary concern but still important. I am a Civil Engineer with a Master's in Structural Design, by profession, but my career was spent in various capacities in Information Technology.