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Life is great! Enjoy while it last.

 
A Short CV and Bio (Click Here) I earned a PhD in Finance from the University of Bath (United Kingdom) in 1998. In 2004, I moved to Scotland (from Cardiff University) where I taught Corporate Finance and Investments at the University of St. Andrews (Scotland, UK), the third oldest university in the English speaking world. In 2006, I received tenure at the University of St. Andrews. The move to Scotland was the single greatest experience of my life; having lived and taught at a university which is associated with centuries of historical achievements and which produced three signatories of 1776 American Declaration of Independence: James Wilson, John Witherspoon and Benjamin Franklin.
  My days as a Professor at the University of St. Andrews, Scotland, UK. This historic site is St. Andrews golf course, 18th green. My office overlooked this beautiful spot.  
     
     
Growing up I can't say was easy but it sure was a heck of a lot of fun. With life, there is definitely a learning curve.
Sailing in the Caribbean   Yes, I was a kid once.
     
     
A night out with graduate students at the Hard Rock Cafe in Cardiff (UK). Tony Hou featured third from the left was a PhD student under me. He is now a co-author/writing colleague, and may I say very close friend whom of which resides and teaches at the National Dong Hwa University in Taiwan.