Richard Warner graduated magna cum laude from Amherst College, then received a masters degree in international economics and finance from the Fletcher School, Tufts University. He then co-managed international fixed income portfolios for institutional fund management companies in Paris and New York. During his career, Richard developed competitive trading models for fixed income, foreign exchange and equity fund managers.  He also worked for an institutional equity research team specializing in country risk and sector valuation as well as tracking investor fund flows. Currently, Richard manages individual retirement accounts and runs proprietary investment models. He taught courses on investing as an adjunct professor at the Jack Welch School of Business at Sacred Heart University and teaches personal finance and political economy at adult education learning centers in the New Haven area.  Richard's articles have appeared in Barrons and SeekingAlpha.com. He has been a guest speaker at American Association of Individual Investors conferences and at high schools in Connecticut.