James A. Yannes was born in Fulton, N.Y. in 1935 making him both a Depression baby and a member of the Silent generation, born during an era of depression and war. More than any other generation, they went from the bread line to affluence. An engineer by training with a companion degree in Psychology and later a PhD in Religion, he spent some 34 years in the private sector with the latter 20 years in the marketing of advanced communication systems to the International market. Retired for the past 25 years his focus has been on the optimization of the management of investments.