50, dropped out of college to become a hippie and an artist. Have worked as Off-Off-Broadway playwright in New York City and as a nationally broadcast classical music radio announcer. Not a newbie however ----- I've been trading futures since the late 1980's, long-term S&P and Nikkei trades until 1999 when I left my job as an announcer to daytrade S&P full time. I also manage my family's estate, which mostly involves the other end of the risk spectrum ----- ferreting out the best and safest muni bond yields.