An active investor for over 30 years, Terry Ponick shares his market insights here. The longtime music and culture critic for the Washington Times and the Washington Times Communities, Terry had once planned to become an English professor. But he soon ran into the twin buzz-saws of the tenure track job glut and his own libertarian politics. His three degrees in English and American Lit logically led to stints as a waiter in an upscale restaurant; as a stockbroker/insurance agent for two Wall Street firms; and as a contract technical writer/policy analyst, including a 7-year gig at a sub-agency of the White House Office of Science and Technology Policy (OSTP). He currently earns a living running his own portfolios, investing in stocks, bonds, and real estate—where he is still not upside-down.

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