Jfdunphy earned an MBA in corporate finance from Fairleigh Dickinson University in 1990. Previously, he was a financial reporter for a McGraw-Hill news magazine on chemicals and pharmaceuticals for 15 years. Traded bonds, stocks, mutual funds, and runs own financial firm. Board-Certified Master Financial Professional by American Academy of Financial Management, effective March 21, 2005. Author: "Financial Planning for Senior Executives" ISBN 1-892359-02-2 (Mint Condition Graphics; 1995). Co-author of several computer-based learning disks on finance topics. Independent producer and host of internet radio show on taxes and personal finance "Richard's Shoebox" (Copyright; 2004) on VoiceAmerica.com (Phoenix, AZ), with listenership of 170,000 monthly. Life member VFW Post 7165 and American Legion Post 8 (Clifton, NJ), and Signal Corps Regimental Association. e-mail: [email protected], AIM: [email protected]