Curried Wealth Building
Finding an Edge

If you want help with your finances, give me a call at 703-791-3243.
About Me
I am an electronics engineer by training and received a BSEE from the University of Pittsburgh in 1985.  I became interested in finances and money in 1987 after the stock market crash.  I basically studied finances in the traditional way, reading Money Magazine, The Wall Street Journal, and Investors Business Daily.  I also read some basic books.
In 1999, along with almost everyone else, I became very interested in the stock market as it seemed to rise every day.  I never bought any tech stocks but I watched them with envy.  For some reason I just didn't get roped into the game.  I instead bought individual stocks that were out of favor.  One of those was Abercrombie and Fitch which I bought for around $8 1/2 and later sold over $ 30.  This was more luck than anything but it did teach me that the crowd is usually wrong.
In 2001 I discovered an alternative to the main stream financial news.  In fact I discovered that the main stream outlets really had no interest in providing the best financial advice, but instead were striving for ratings while, and this is the important part, not upseting THEIR financers.  As I watched the stock market implode and saw millions of investors getting wiped out,I began searching the internet for alternatives.
I first discovered the Prudent Bear web site.  There, I found a weekly article/commentary by Doug Noland, entitled the Debt Bubble Bulletin.  He basically argued that the whole system was built on a mountain of debt which would eventually implode.  I read ALL of his archives which included well over 1000 pages.  I didn't understand much of it at first, but eventually I started putting the pieces together.  This led me to other web sites which included and Financial Sense.
In 2002, I decided I wanted to learn as much as possible about financial matters and started compiling a list of books to read.  Eventually the list was well over 150 books.  I started reading these at a furious rate, sometimes finishing 6-7 boooks a week.  I eventually read over 170 books.  What became clear is that no one path to riches existed.  It really was a case of "more than one way to skin a cat" being true.
I also noticed that A LOT of writers were brain washed into the status quo.  Buy and hold was the mantra.  As I read through the books I was led to obscure books and web sites which further challenged the establishment and raised further questions in my mind.  Unfortunately, confusion was the order of the day and the only thing that made total sense was to get out of debt.
By 2004, I had started to crystallize my approach and really got interested in gold.  At first I didn't think of gold as an investment because I had been so conditioned from the normal media outlets to marginalize any investment that is not a stock or bond.  Upon further investigation I determined that gold and silver were incredible opportunities because of a multi-year bear market.  They had last peaked in 1980 and had basically been on a down trend ever since. 
I initially invested in bullion.  I bought gold at $395 and silver at $4.50.  These have been my preferred assets ever since.  Will they be forever?  No, there will come a time when the "normal" investments will be the right way to go, but for now, paper assets are very risky.
In the Summer of 2008 I decided that my gained knowledge should be shared so that others could benefit from my efforts.  This web site was my answer as to how to share.  I hope you enjoy it and I am always looking for suggestions on how to make it better.  I can be reached at or 703-791-6066.
I live with my wife of 25 years, Jeanie, and my two kids, Tanner 16 and Riley 13 in Manassas, Virginia.
My Philosophy
Here is a brief description of my life philosophy, which directly corresponds to my investment strategy.  
To really explain where I am, I have to start with where I started.  I was raised in the Presbyterian faith and went to church on a semi-regular basis.  This, if you don't know, is one of the less harsh denominations, with little in the way of preaching what is right or wrong.  It tends to be a big get together with a sermon on a "life lesson".  Around the age of 13 I went to a church camp which was affiliated with the Assembly of God Church.  This is very much the polar opposite of the Presbyterians.  Fire and brimstone.  You'll go to hell if you don't do this or that.  To avoid this fate you must be "saved".
In most Pentecostal religions, it is expected that you will eventually declare (in church) that you have accepted Jesus Christ as your lord and savior and pronounce yourself "saved".  This is accompanied with very emotional music and laying on of hands.  It is a very emotional experience.  I was "saved" at 14 years old and didn't really think much of it.  (as could be expected from a 14 year old punk)  I basically continued going to this church because they had basketball and softball teams and the girls were cute.  Pretty much a 14 year olds passtimes.
As I got older and entered college, I pretty much didn't have a religion.  I would answer that I was a Christian if someone asked me but the adherance was weak and uncommited.  This was my religious story for the next 5 years or so.  Shortly after I married my wife, I found a book in a used book store called "Dianetics".  As you may know this is the first book from L Ron Hubbard which eventually led to the creation of the "religion" Scientology. 
If you know me at all, it would be expected that I jumped into this with both feet.  Actually the information is fascinating and a lot of times is very applicable to life.  (I still use lessons learned to this day)  Scientology is very much a cult, but not like your typical cult seen on television where people all live together.  (although there is a segment that does)  At it's very basis, Scientology is a life philosophy and life style.  To be a Scientologist is to be segregated from life.  They have their own vocabulary for everything including marriage and arguments.  This acts to shut you off from those who don't speak the lingo.  This is intentional. 
They want you to start depending on them for all spiritual and emotional help.  They offer courses and "auditing".  The courses consist of reading books and doing drills.  People go at their own pace and finish whenever the course checklist is completed.  Auditing is the other side of the equation where an auditor (counselor) takes you through various questions and techniques that are supposed to help release pent up energy from past upseting experiences.  This can be done standing outside or in a room, or more commonly, with a device called an "e-meter"  (modified wheatstone bridge) which you are attached to via two cans.  A small electrical current is passed through them (and you) and the meter display moves in response to questions and your answers. 
The meter works to some extent and I witnessed things on it that couldn't be explained by basic electronics (I am an electronics engineer).  This gave me great confidence in the religion and techniques.  I made good progress emotionally and actually became quite confident and competent.  This is a common occurence for new comers.  As the luster wears off, warts start to show up that mess up your thinking.  This includes advanced Scientologists with numerous problems and an unusually high percentage of adherents with terrible nicotine habits and unsuccessful monetary situations.
This is troubling because Scientology touts itself as the science of "knowing how to know".  With Scientology you are supposed to become almost superman like in your handling of any life problems or issues.  Scientologists "make things work" and anything less is unacceptable.  Unfortunately, the promises don't match reality.  People who you originally thought super slowly become human.  In fact the higher up a person is in Scientology, the more likely the person is really screwed up.  Due to peer pressure and in an effort to keep up the game, most people pretend things are great and this places tremendous anxiety on them.  (explains the high nicotine use)
Scientology is also very expensive.  Climbing up all the "levels" in Scientology can cost millions of dollars.  Each level promises bigger and better things and abilities which are never delivered.  In fact, it is probable in my opinion, that Scientology is booby trapped to ensure that people don't reach any spiritual enlightenment.
Scientology is also very time consuming.  At my peak, I was spending 20 hours a week at the "church".  I advanced very quickly on the training side of Scientology  (Scientology has two ways to advance: training and auditing)  and became a high level auditor.  The interesting thing is that the lower levels do give people a lot of improvement and they usually feel great.  I believe this is a ruse to trap you into the cult because as things get worse you will tend to fixate on the good points of the past instead of the failings of today.
Scientologists worship L Ron Hubbard.  His picture is literally everywhere in the organizations.  In fact, and this is where the cult behavior is introduced, if you disagree with anything that he wrote, YOU have the problem.  Most times it will be blamed on a misunderstood word and maybe some incorrectly done drills.  These will be continued until you "get it" and then you can continue.  You quickly realize that going along to get along is the path of least resistance.  Later this comes back to haunt you as the irregularities mount and contradictions appear.  Because you are indoctrinated into the "it's you" thinking, if it doesn't make sense, you assume you missed something.  It's actually a beautiful trap and it springs very slowly.  Hubbard eventually, in your mind, becomes omnipotent and any failings of Scientology are the sole fault of its practitioners.  The possibility that Scientology may be wrong or not be workable is the farthest thing from your mind. 
As the levels advance, and I never made it this far, crazier and crazier things are presented to the adherents, and due to their indoctrination, most just go along.  The hundreds of thousands of dollars spent is also a good incentive to keep plugging away.  Eventually people go one of 3 roads.  They either leave disappointed and return to normal life (me), stay in but in only a part time basis which is the largest segment of the church, or you join staff.  Staff is either a full-time job or in the extreme, you join for life and live at the church.  These are the most devoted people since they gave up their outside lives.  Once you are in it is most difficult to leave, and if you do, you are ostracized.  There are many stories of spouses leaving the church and their significant others never speaking to them again.  The brainwashing is that complete.
After I left Scientology and found out it was a dangerous cult, I decided to do a thorough investigation of religions.  This lasted about a year and I found that none really met my criteria.  It seemed that anything organized always turned into something "unpure".  Eastern religions did seem to be more interested in personal enlightenment and betterment but none were perfect.
From that time forward my philosophy has been a hodgepodge of pieces from different religions, including Scientology, Buddhism, and several esoteric studies.  My main philosophy could be broken down into a few thoughts:
1.  Man is more than a body. 
2.  When the physical body dies it's not the end of consciousness. 
3.  A positive outlook has positive effects on influencing outcomes. 
4.  Thoughts can become real tangible things. 
5.  Creative imagination helps form the future. 
6.  The universe (or God if you like) gives MANY hints about what to do next, you just have to be aware enough to see the hints and then act on them. 
7.  Most people go through life and never once follow their instincts. 
8.  That little voice in your head, if you will, is not self generated. 
9.  Positive affirmations and expectations will, if done consistently, lead to positive outcomes.
10.  Almost any disease can be self healed.
If you are interested in where my philosophy comes from I would recommend you start with a couple books.
1.  Fundamentals of Thought by L. Ron Hubbard.
2.  Biology and Belief by Bruce Lipton
3.  Think and Grow Rich by Napoleon Hill
I don't agree with everything in these books but they are quite interesting and give you lots of things to think about.