Richard Warner graduated magna cum laude from Amherst College, and 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 and sector valuation as well as tracking investor fund flows. Currently, Richard manages individual retirement accounts and runs competitive investment models. He taught courses in investing on the collegiate level and personal finance at adult education learning centers.  Richard's articles have appeared in Barronsand SeekingAlpha.com and has been a guest speaker at AAII.com chapter meetings and at high schools in Connecticut.