I have a bachelor's degree in mathematics and a Master's degree in Operations Research, which focuses on mathematical optimization and statistical analysis. I worked in businesses for over 30 years. Most of that time I managed business, financial, and operations analysts who determined what caused the past and predicted the future. Since I retired five years ago, I've had the opportunity to spend a lot of time on investing. I read several investing books. I listened to everything I could on the financial news. I joined an investment club in which we pooled money. I went to investment seminars. I participated in a small group of private investors. I tried out many investments strategies. I even developed a back-testing model which tested many different strategies over the last 62 years. I've written a variety of investment articles and made presentations at various groups of investors. As a private investor, I now, hopefully, have 20 years to apply what I've learned, discovered, and explained in this book to leave a nice nest egg for my sons.