Mr Barth What is the deal with our teacher? Is he for real? …

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What is the deal with our teacher? Is he for real? Well here is the inside scoop!

Ok, so this might be some of the most boring stuff in the world, but it might be of interest to some of you who have very boring lives. If so, read on.

Mr. Barth’s Mini Autobiography — written several year back as a class activity where students and teacher all engaged in reviewing their past.

Educational Philosophy

I majored in Marketing Management in college and spent the better part of my working life starting and running businesses. Much of my approach to things is a business approach. I am very “bottom line” results focused. This is the basis for my approach to my homework, grading and students.

Everything is based on learning, and therefore talk, mindless work and fluff activity, etc. have little value to me.

When I ran my wholesale and my retail businesses, I focused on every item as a standalone profit center. If an item did not produce a profit or contribute to drawing customers to buy other products, something needed fixed. This is my version of “no child left behind.” The only difference is that with students, I can’t fix everything.

I am however very proud of my FCAT gains record.

My Entrepreneurial History of starting businesses.

• First Business (age 7). This is a proud moment in my past but it also has a dark side. I was involved in the unsavory business of child labor, and to make matters worse it involved my little sister. We had some old wood blinds on several windows in our basement, which my dad decided to throw away and replace with something more modern. These consisted of little wood slats about 1/4” wide, about 1/32” thick, and about 31” wide.

They were all sewn together near the ends. They would roll up on a cylinder when closed and unroll to keep the light out of the window when lowered.

Dad saw no value in these, but as an enterprising seven-year-old, I saw opportunity. I surmised that it would be possible to weave these into something I could sell. for profit, namely pot holders. I didn’t really think about the fact that wood can burn, and I didn’t have a product liability lawyer at the time. Since they were headed for the trash anyway, any money I could get for them would be all profit!

What a sweet deal! So I employed a little 3rd-5th grade mathematics (remember I was only seven so I was still in 2nd grade) and measured the slat length, calculating how long they would need to be to get three segments out of each. Once this was accomplished, the slats were marked for cutting prior to the connecting string being cut.

I was lucky in that I had done numerous home construction activities with my dad and knew how to use certain tools. I don’t suggest most 7 year olds be allowed to use a box cutter with a razor blade, but it worked exceptionally well for cutting the string and producing nice clean cuts dividing the wooden slats. The box cutter was out of site and after teaching my 5 year old sister how to weave these slightly over 10” slats together, I resorted to child labor for the real work.

I guess this was my first role in life as a teacher. She must have felt this was just like a kindergarden activity, and I may have offered some small pittance for her effort, so she willingly became my production grunt. I was not into bookkeeping at the time so I don’t really remember how much profit this venture made for me, but it certainly inspired my appetite for future ideas and making money.

I do recall setting the price at $1.00 which was a tidy sum in that day — it would have bought 4 gallons of gas. I think we discounted some, but nonetheless, had I pursued this idea further I could have been the first person to open one of the many successful varieties of dollar stores in existence today!

• Produce Huckster (age 7-12). When one rides around our town there are many

corner produce stands. When I was a kid there were some older men who had converted old school busses to traveling produce stands. The modern one on the right is much fancier than in my day, but the idea is the same.

My family had our own version of this, the family car.

One of the quality experiences of growing up was growing a garden directed by our wanna-be farmer — Dad. There was something about our soil and the upstate New York weather that made for some great produce. We had tomatoes that made anything I have seen since seem dry, flavorless and ridiculously pathetic.

Ours were the size of grapefruit and dripping with juice and flavor. We would sit in the yard and eat them like apples.

Anyway, we had more produce than we could consume even as a family of six. So on Sunday we would load up the trunk, go to church, and then head off to apartment complexes (where people didn’t have gardens) and sell our fresh produce. My sisters and I became experts in the current produce market prices.

We had those incredible tomatoes, green peppers, onions, carrots Bugs Bunny would … for, cantalopes, and lots more.

When we sold out, we would head home, count up our take, divide it up among each other, and deposit it in our college piggy banks. This was a great math exercise.

• Purveyor of Doormats (age 8-9). Expanding on the theme of the pot holders, I saw an advertisement for selling mail-order doormats. Prior to the internet, mail-order was the big thing.

If you wanted something not sold in a local store, you could usually find it in a magazine somewhere. But people didn’t always know where to look. So here was an opportunity to sell something people couldn’t easily find locally.

All I would have to do is convince them they needed it or at the very least wanted it.

Now it was true that there were stores that sold doormats, but mine were “high quality” rubber mats that were personalized with their names on them, such as “Welcome to the Rumplestiltskin’s”. How cool! For those of you who ever find yourselves involved in the business of sales, you must find a way to create excitement or romance in your product.

People buy things because they become emotionally attached to the product or the idea of having the product.

This went pretty well and many were sold, but in order to keep my source confidential it was necessary for me to have them shipped to me and then deliver them. They were somewhat heavy and hard to balance on my bike, so I started looking for other ventures to pursue.

• Christmas Card Merchandiser (age 8-10). When I was young there were no iPods. The great technology at that time was transistor radios.

Transistors were actually the beginning of the technology revolution that got us where we are now. So the state of the art had been tiny 6 transistor radios. My friends and I had maxed out any abilities these were capable of.

They usually came with headphones (to save on the batteries by not using the speakers). We would go to the village dump and scavenge for bigger speakers from old TV’s or radios that we could hook up by splicing the connections on our old headphones. I learned that if I took my radio out to the street in front of our house and held it next to some of the wires running down the telephone pole, I could pick up some radio stations from all over the country.

At the time, this was as cool as having internet!

One thing about technology is that it never stops changing. Suddenly there were new radios coming on the market with 12 transistors and I was craving one. I would scan the Sunday newspaper looking for the latest greatest model. Just as I had saved enough free money (Dad insisted we save 9 of every 10 dollars for college, so that left one free dollar for spending), my dad had a brilliant idea. Now one thing about dad’s brilliant ideas — they didn’t always seem brilliant to me.

So this idea was that I could sell Christmas cards for this company he came across, and they had all these toys and electronics you could get if you sold enough boxes. I sent away for their kit and they really did have a great radio in their catalog of gifts you could earn.

Buying into this scheme, I was selling Christmas cards in March, and by early fall had managed to sell enough to get the radio I wanted. However my dad had other ideas. He slowly convinced me that the radio they were offering was not worth the amount of money I could get paid if I took the cash instead. While this was true, I was not in the mood to wait. He then pointed out that with Christmas coming, there would be new and more incredible radios being sold, another advantage of waiting a while.

Admittedly that was a major enticement, and my craving for the latest technology allowed me to postpone immediate gratification for the promise of something better later on. Ironically this is the decision we must continually confront when making technology purchases today.

Not wishing to leave you in suspense, I took the cash for my Christmas card sales. Dad convinced me to hold off purchasing anything until after Christmas (when prices would come down), and then offered to give me his old 12 transistor radio. You see he got a newer one as a sales incentive at work.

He said this way I could keep my money, have my own slightly dated 12 transistor radio, and use his new one when I was in the house. In other words the best of all worlds — and I drank this Kool-Aid! Like I said — dad was an incredible salesman, and I was still a pretty gullible eight year old.

I continued to sell Christmas cards for several years — for cash. One of dad’s customers was a ham radio operator with one of those hundred foot tall antennas in his back yard. He had an old shortwave radio the size of a microwave oven he gave to me.

I was in heaven being able to tune in radio stations from around the globe. The only downside is that I didn’t learn enough languages to appreciate everything at my disposal.

• Candy Confectioner (age 7-13). One can never escape school fundraisers. Our school, St. Joseph’s, had partnered with the quintessential school fundraiser of all time — World’s Finest Chocolate — back when they had a real 1/4 pound bar of luscious chocolate.

This was a philanthropic endeavor without a profit motive (so I wasn’t totally greedy) although there was an element of school guilt and competitiveness involved.

During our years of grade school, my sisters and I usually took 1st and 2nd place and walked away with nearly all the Virgin Mary statues and second place prizes. We sold more 24 bar boxes than most kids could sell bars. Like any great innovative company, we closely protected our trade secrets and techniques. Two of our best were going to bowling alleys in the late evening after the bowlers had imbibed a few drinks and were a little loose with their money, and hitting office buildings. Sometimes a boss would buy a candy bar for every employee in the place.

Meantime other kids were bothering their neighbors and relatives. One thing I will say about back then, our candy bars were a decent value unlike many of the overpriced things being peddled today. This is a critical rule of marketing which many companies never get — no amount of gimmicks and salesmanship can overcome a crappy product or poor value.

It might work for a while, but eventually it will catch up with you. Once your reputation is established it is exponentially (a math term) more difficult to fix than to merely start over from scratch!

• Needle Threader Merchandiser (age 8). You might not believe this, but there was a day when people didn’t throw away or donate old clothes and buy new ones, but rather fixed old ones and even made clothes from scratch.

So every house had lots of needles and thread. I noticed an ad for litt

le plastic needle threaders in which you would insert a needle, lay the thread across the top, push this little button, and just like that the needle was threaded! I was able to buy these for something like 15 cents in quantity, and the selling price was either 49 or 59 cents, so the profit margins were nice. The sales pitch was that it would save your eyes — a strong selling point for elderly people!

• Pen Merchandiser (age 8-9). The credit for this one has to go to my dad, but I had some major purchase in mind which would entail about $4.00. Dad saw these pens that wrote in either red or blue, somewhat similar to the one you see here.

You could buy 100 for $14.00. He suggested I could sell them for 19 cents each, resulting in a $5.00 profit.

Once again I engaged in child labor by bringing my sister along for these sales expeditions. This has some unfortunate similarities to the preponderance of young women found in trade show booths. Fortunately I was using this as another teaching and learning experience by having my sister act as bookkeeper and counting people’s change.

We quickly found that we had excellent results if we went to the village and called on businesses. They found it interesting that we were so enterprising and were more that happy to buy our wares. Many people would give us a quarter and after my sis pulled out their nickle and penny change, they would just tell her to keep the change.

After a while she tired of this process and decided to cut to the chase and just ask if they wanted their change. I had to explain that that was bad business, and she would have to continue going through the ritual.

The tips nearly doubled our expected profit!

• Distributor of Grit (age 9-10). So I was starting to realize that the life of a saleman or should I say saleskid, is one of an inconsistent and unreliable paycheck. It is always about what you did last week.

I started thinking about how I could create a steady income. I was growing up in what I considered a slightly boring town in upstate NY, and was always sending off for anything that would produce a flow of mail. Stamps were only 4 or 5 cents so what the heck. I saw something somewhere that you could be a distributor of Grit Newspaper.

I realized that if I built up a subscriber base of customers, it would produce a regular income flow as long as I delivered the paper to my customers. I did just that and also became an avid reader of the news that Grit saw fit to print at the time.

It was during this business venture that our nation experienced a traumatic event, the shooting of our 43rd President, John F. Kennedy. John Kennedy had impacted the country and the world by providing inspiration, hope and challenge. It was he who challenged America to go to the moon by the end of the decade — which we did! As a young person who had experienced his passion and inspiration, I was very saddened by our loss of his leadership.

I decided to put on a big subscription push to raised money for his library. I don’t think I raised all that much, but did receive a very nice thank your from the First Lady, Jacqueline Kennedy. It was a big deal at that age!

• Business Printing Proprietor (age 10-15). When I was about 8 our family experienced a traumatic event. My dad, who had fought in World War II in Germany, went to teacher’s college for a year dropping out to become a very successful salesman for a large company, and started a family with four kids, lost his job.

He had made some very good money for over a decade during the prime of his life. There is a lesson here for kids who have a great plan to be a sports star or something else, but don’t think your education is essential for long term success.

When this large company started to experience a profit squeeze, the geniuses at the top decided the best place to cut expenses was the sales people. That was when dad got his pink slip. You see, they didn’t want to cut any of their own expense accounts or jobs.

The problem is that when you cut the sales force, you not only cut expenses, but you cut off your income. That is how they destroyed the company and caused it to go out of business. That is when the people who rightfully deserved to loose their jobs, lost theirs.

So dad tried several different jobs and ended up selling cars. He was actually very good at it, and it kept us all in food and clothing. At some point he needed some business cards and was looking for somewhere to get a better deal and stumbled across this company out of Chicago, called National Press.

He suggested to me that if I ordered their catalog, he would buy his cards from me. Then I could sell to others and make even more money!

National Press sold all kinds of things. Advertising pens, calendars, ashtrays, business stationary, matchbooks, coffee cups. You name it, if a company could have its name printed on it and give it away to lure new customers, I sold it.

I would knock on the door of every business in my village and when I ran out of potential customers I took the bus to the city and started there. I would open a bank savings account at banks so I could pester the tellers and manager to get their business. Since I was a customer they couldn’t be rude and tell me to get lost. At about 14 years old I got in to see the President of Syracuse Savings Bank on the top floor of one of the most prestigious buildings in Syracuse, NY. I didn’t sell him anything since he said they were contracted with some other company (interesting how the top guy in the bank had no power).

Needless to say that sold me on the idea of starting my own business after seeing that people who work for organizations frequently become little puppets with no control of their destiny or ability to make their own decisions. There were many more buildings and doors knocked on — lawyers, accountants, medical offices — and many items sold. More money for college and gadgets.

One of my favorite stories originated from my newspaper delivering activities. I had sold some business printing to the town … home, Maurer’s. The owner had appeased me with a tiny order — probably to be ‘nice to the kid.’ My newspaper route ended at the … home doorstep, and on cold winter days I would sometimes go in to warm up and see if I could use the phone to get a ride home rather than walking. One evening I didn’t find anyone upon entering so I walked around and ended up walking in on the assistant fixing up a body.

Talk about cold!

Anyway, that assistant was Mr. Ayer. and we talked on several occasions. One evening when I stopped in to use the phone Mr.

Ayer pulled me aside and told me he had been waiting for me to come by and dropped the big bombshell on me. He was going to open his own … home and wanted me to help with ALL his printing needs. Talk about brave, boy was I impressed with his entrepreneurial prowess and/or sheer madness. Here was someone preparing to go up against one of the most established businesses in a small town, where a sizable investment and large stately home was required.

This led to numerous discussions about the logistics involved in this brazen … on Mauer’s business. Although I was not a paid consultant, it really meant a lot to me that this guy in his thirties valued the advise of this kid who was only 13, even though admittedly I had a lot more experience starting businesses, small as they were.

Mr. Ayer had found a large old house in the center of town and had begun fixing it up. He had calculated his expenses and knew he would have to undercut Mauer’s prices if he expected to get any customers. He had estimated how many funerals he would need to break even and felt it was doable.

The payoff for my consulting was one of the biggest printing orders yet — everything he needed — business cards, stationary, envelopes, announcement cards, etc.

What made this story interesting was when he called me wanting to buy calendars to give out at Christmas. You see, Mauer’s Funeral Home bought these really fancy desk calendars that looked like they were made of genuine leather (they wern’t) and were mailed out to the over 6,000 residents of our town of Liverpool, NY. Mauer saw this as an investment in putting his name in front of his future customers. Sooner or later in most cases it would pay off, when someone would … and the “who ya gonna call” phone number was right there by the telephone on the desk.

Phones all had cords back then!

Unfortunately I had to inform Mr. Ayer that he could never afford to compete with Mauer on the calendar front. He would have to do battle for customers in some other way. Even going with a cheap calendar, it would send just that message — of cheapness. This would be a devastating marketing move that would be suicidal.

I didn’t point out the irony of the … director needing to utilize his competitor’s services after the …. I told him I would brainstorm and try to come up with an idea for him.

Anyone who really knows me, knows that inside my brain can be a

very dangerous place. This is where the brainstorming occurred that led me to the idea of Ayer Funeral Home Flyswatters. While calendars at that time could cost from thirteen cents to a half dollar, plastic flyswatters could be had for as little as a five cents complete with company name and all.

The challenge would be convincing Mr. Ayer who was still hung up on the idea of calendars.

I showed up with a few discretely hidden samples and my catalog, which would be revealed after the hook and pitch. I started by making the argument that with his limited financial resources he would have to make optimal use of whatever advertising specialty he purchased. There were a lot of people in town and he couldn’t afford to purchase one ‘whatever it would be’ for everyone. He certainly couldn’t afford to replace a calendar every year, along with the necessary postage which could double the costs.

I had his attention because I was completely right and he knew it.

Then the good part came! I pointed out that he would need to target those people that were most likely to be good customers in the not too distant future. I questioned him on who he thought his target market was. Although somewhat confused by this question, he told me it was people who would …. Correct answer!

I then questioned him on the demographics of these people as a group (ignoring things like auto accidents and stupid teenage stunts gone badly). After a few moments he again correctly answered — old people. Two for two! The next question was a little more challenging.

What is it that old people have in nearly every room of their house (unlike a calendar), and in fact frequently deem so important that they might carry it around with them to have instantly handy at a moments notice? Well everyone has to strike out sometime.

The obvious elusive answer was a flyswatter. And up north when air-conditioning was a rarity, every house would encounter flies. And old people had a particular disdain for flies and all kinds of free time to pursue them to their untimely … match with a flyswatter!

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The sales pitch was made and the samples and catalog came out. He warmed up to the idea. They could be given to local businesses to give away as a courtesy to their customers at checkout. Some young person could go around the village and distribute them for a small fee.

I wonder who that could be!

Now came the really tricky part, the fruits of the dangerous creativity of the depths of my brain. Would I be able to convince him that the flyswatter should read. Ayer Funeral Home. You kill them, We’ll bury them. call 315-fly-bury?

The reaction was as expected. This brave man who took on the … home king of Liverpool was stricken with fear. He liked the flyswatter idea but was petrified of the slogan. I pointed out that he would never get the uppity clientele that was the usual Mauer customer anyway and therefore had nothing to lose.

The most important thing was for him to get known and remembered. His customer was looking for value. The slogan would have people talking and could even generate free publicity like newspaper articles.

He might forfeit one or two easily offended customers, but would gain many more. Unfortunately it didn’t work. I would even have wanted one of those myself in my youth.

Fear of the unknown is a very powerful human emotion not easily overcome, even by a great 14 year old salesman. I really do believe he would have reordered many more had they had the slogan. But nonetheless the sale was made, and my commission earned!

More money for college.

• Silver Dealer (age 13-15). If you’ve been paying attention you know that I had a newspaper route. This not only entailed selling people on the idea that they should have the afternoon paper delivered to their door come sunshine (a rarity in upstate NY), rain, or snow, but also involved the collection of money for the subscription. It came to a grand total of 13 cents a week.

I became a master of my multiplication tables up to the 13’s.

Something interesting started happening at this time. The US Treasury had discontinued printing Silver Certificates about a decade earlier and began circulating Federal Reserve Notes. The older silver certificates were redeemable for actual silver dollars (about an ounce worth) and silver was rising in value.

It was being used more in industry as electronics became more popular(remember the transistor radio) and as people started taking more and more pictures with the arrival of the Kodak Instamatic camera (film was made with silver).

I started noticing ads in the newspaper by coin dealers in the city where they were buying silver certificates for $1.05 each. Yes kids actually read the newspaper back then. I instantly saw lots of $ signs, granted a nickle at a time. I started saving all that I collected from customers on my newspaper route.

But that wasn’t enough.

On Friday nights I would race to get my newspapers delivered, hurry to the bank, ask the teller for several hundred one dollar bills and start sorting through them picking out all the older silver certificates. I would go back to another teller and swap the newer bills in for more to sort through. I always expected them to tell me to get lost since this was somewhat of a nuisance for them, but since I had an account there and was always nice to them they continuously accommodated me.

My goal was to leave the bank with as close to $500 in silver certificates as possible.

Saturday morning began my journey to the city coin dealer where my $500 would miraculously become $525. My $20 give or take profit might not seem like much, but it was very significant at the time. To give a sense of this, a gallon of gas cost 33¢, so $20 was more like $200 in today’s money.

I would go around to shop at the department stores, have lunch (which always included a milkshake) at one of the little luncheonettes that were popular back then, and a visit to the Lowe’s Theater for the latest movie (hopefully a James Bond feature). After the nickle bus ride, lunch and a movie, I still usually had 95% of my profit when I got home. This cycle repeated itself on most weekends for several months creating more money for college.

The greatest part was that although the silver certificates were becoming more scarce, the price being paid for them kept increasing.

However it quickly became evident that there was a trend here and it wasn’t linear. It was exponential and did not present a pretty graph for predicting my future profits. However I was able to adapt to the market since the dealers began buying up the silver coins in circulation at the time. Due to the cost of silver the treasury replaced them with alloy coins.

So I began sorting through coin hunting for the silver ones. This was a lot more work, especially once the half dollars and quarters were gone and only dimes were left. Nickles and pennies were never made of silver. Not only did it seem to take forever to sort, but $500 weighed about 28 pounds. Due to the sorting challenge, it I usually fell fairly short of my goal so lugging all 28 pounds didn’t happen too often.

The good part was that the price rose up to over 15¢ an ounce, which more than made up any difference and boosted profits.

Eventually the silver coins became relatively scarce and the sorting became more like panning for gold in a river — more work than the time justified. It sure was great while it lasted. I don’t recall specific numbers but I believe this activity alone paid for over a year (1/3) of my college tuition. I did keep some of the best bills and coins as collectors items and still have them today. Interestingly, the current price of silver is around $30 an ounce and at one point peaked at around $50 a few years back.

One dollar of coins weighed 9/10 of an ounce. At $30 that would have made my weekly profit over $2000 if I still had it all. But who knew.

And I needed to turn the money over each week for funding the next week’s silver hunt.

• Wedding Invitation Proprietor (age 13-16). Always on the lookout for other things to sell, I had noticed an advertisement for a wedding invitation catalog from Elmcraft Chicago. There was this really nice girl on my newspaper route who was getting married. So I decided to send for the catalog and see what happened. At the very least I could get to spend a little time soliciting her (to buy my wedding invitations).

She was easily 8 years older than I, but quite pretty and that suited me just fine. And like I said she was getting married anyway.

The catalog arrived and was only about 1.5 inches thick. My competitors were the department stores in the city that had dozens of catalogs that were nearly a half foot thick. I spent some time with her and mom explaining how the pricing worked and then left my catalog with her for several days.

The next time I saw them they gave me the dreaded news that they were making a weekend trip to the city department stores to see what they had to offer. Unfortunately I already knew, since I had already done my research and checked out my competition. Despite the fact that I had some of the best quality invitations at extremely competitive prices, I feared the immense selection would win out.

Having never taken a college marketing class yet, at 13 I was about to discover a classic fact of marketing. There was a reason Elmcraft was successful with this concise catalog of above average invitations. SIMPLICITY RULES! My potential customer and her mom thought they would spend a few hours in the city and it turned into nearly a weekend. So many books.

So many pages. So many invitations. They left bewildered and confused, returning to the comfort of my simple but beautifully presented products and good value pricing. I got the order for invitations, reception cards, response cards, all the envelopes, engraved champaign glasses, personalized matchbooks cocktail napkins, engraved cake carving knife, and more!

They were a little concerned doing business with a 13 year old, but I assured them that since we were ordering so far in advance of the wedding, they would have plenty of time to order elsewhere if the ‘kid didn’t come through.’ I never realized people spent so much on weddings, and this might have even conditioned my thinking towards not getting married too young. Anyway — more money for college.

The simplicity idea is fundamental in marketing. A stunning number of corporations just don’t get it! The more people an organization gets, the more committees, meetings, etc. leads things to take on a complex life of their own that grows out of control and beyond all reason. One only needs to look at the bureaucracies in education from the federal and state DOE, down to the district level to see how out of control top down complexities do not lead to better performance, but rather inefficiencies.

Then look at the most successful company in the world right now, Apple which now is worth more than any other company in market capitalization, a company that does not have one committee, that simplifies its products into three or four models of each item. When I was reading an article involving marketing concepts back in high school, I remember reading that if you are going to sell ties, you should have a variety of low priced ones, medium priced ones, and high priced ones. If there are too many price points the customer usually gets confused and walks away empty handed.

There were more wedding customers, and then when I moved on to college my mom continued the business. Mom’s have a thing for weddings, so she really enjoyed working with the young girls (although probably not as much as me) and it became almost like a hobby for her that she could make money at.

• Amateur Stock Investor/Trader (age 13-18). My dad was reasonably frugal with his money and had elected to invest his money in the stock market. His timing was pretty good since his early working years coincided with the United States becoming the dominant player in the world economy following World War II and the advent of the Marshall Plan. Needless to say, his portfolio benefited and in doing so perked the interest of me in my youth.

I would observe dad monitoring his stocks in the newspaper, recording their values and dividends on paper spreadsheets, and reading Fortune and Forbes magazine business articles. I subsequently emulated him by scouring through these looking for little hidden entrepreneurial gems I could utilize in my own pursuits. Somewhere during this process I got the bug to invest in other companies other than merely my own inventions.

But for me, investing in the stock market would not be as simple as it looked.

The stock market of the 1960’s was not exactly a place for the average person. Stock commissions were high, one could only buy in blocks (100 shares), and the only people who could get live prices were those who had a seat at the brokerage.

• Used Car Dealer Detailer (age 13-18). coming soon

• Wholesale Food Purveyor (age 25). coming soon

• Swift Company (age 21-23). coming soon

• Andy’s Wholesale Meats (age 23). coming soon

• Holiday Food Corporation (age 24). coming soon

• Self-Employed Business Owner (age 25-46). Reference to Businesses created and run mentioned above

• Semi-Retirement, Stock Trader, Writer, Multiple Myeloma Education Advocate, Education Advocate, and hopefully Philanthropist (‘till I …). Its not over till its over.

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