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I have been a business consultant most of my career and was with IBM for the last ten years of that career. After leaving IBM, I received a Masters in Economics from Purdue and I am currently perusing a PhD in Finance at Berkeley.I am married and have two grown children that live on the peninsula. My children grew up in New Jersey and while they were in college my wife and I moved to Vermont. We moved to the Bay Area in July 2016 from Vermont to be closer to our children and granddaughte