Began career working for Marsh & Mclennan, in Chicago,  performing actuarial valuations and setup of pension plans. Went on to work in 5 life and health insurers in a variety of marketing, financial, actuarial, service, planning and general management areas. Operated as President of General Life Insurance Company and two subsidiaries of Blue Cross and Blue Shield of Florida. Is a member of the Society of Actuaries, American Academy of Actuaries and is an Enrolled Actuary with the Department of Labor and IRS.

EDUCATION BS CHEMICAL ENGINEERING, 1943 WORK HISTORY 38 YEARS MANAGING PEOPLE, CHEMICAL MAUFACTURING BUSINESSES & PLANTS 3 YEARS MANAGING RESEARCH & DEVELOPMENT 4 YEARS MANAGING BUSINESSES OPERATIONS 5 YEARS TECHNOLOGY COORDINATOR BETWEEN UNION CARBIDE & BRITISH PETROLEUM 25 YEARS AS A SCORE COUNSELOR EXPERIENCE WITH ACCOUNTING TOOLS, BALANCE SHEETS, LEGAL FORMS of BUSINESS, BUSINESS PLANS, BUY or SELL BUSINESS, BUYING A FRANCHISE, BYLAWS, CAPITAL SOURCES, CASH FLOW PROJECTIONS, CONTRACTS AND AGREEMENTS, DEPRECIATION, DETERMINING THE MARKET VALUE OF A BUSINESS, EMPLOYEE DEVELOPMENT &. INTERVENTION, EMPLOYEE MEETINGS, EMPLOYEE OR INDEPENDENT CONTRACTOR, EMPLOYEE SELECTION & EVALUATION, EMPLOYMENT AGREEMENT, EXECUTIVE SUMMARIES, EXPENSE ANALYSIS, FINANCIAL ANALYSIS RATIOS, FINANCIAL EVALUATION, GRANTS &. SOURCES, HIRING, FIRING AND RETIRING, HUMAN RESOURCE MANAGEMENT, JOB APPLICANTS - FINDING, LEGAL FORMS OF BUSINESS, MARKET RESEARCH, NON PROFITS, OPERA TING AGREEMENTS, OPERATIONS IMPROVEMENT, PATENTS, PLANNING LONG RANGE, PLANT LAYOUT, POLICIES AND PROCEDURES, PRIORITY SETTING, PROFIT & LOSS STATEMENTS, PROFIT AND LOSS REPORT UTILIZATION, PROPERTY APPRAISAL, PUBLIC RELATIONS, PURCHASING, RECORD KEEPING, REGULATIONS, SOURCE OF CAPITAL, STAR T UP LICENSES AND REGS, SURETY BONDS,TRADEMARKS and COPYRIGHTS, VAUATION OF A BUSINESS (FAIR MKT VALUE), VENTURE CAPITAL, ZONING