Michael Muldowney grew up in Melrose, Massachusetts, and is a graduate of the University of Massachusetts at Amherst, where he was awarded membership in Phi Beta Kappa. He earned a Master’s Degree in English at the University of Rochester. An Investment Advisor and CERTFIED FINANCIAL PLANNERTM practitioner, he lives in Richmond, Virginia. If you like, you may contact him at teenage.liberal@verizon.net.