Hi fellow agents and friends. I meant to send this introduction when I joined the Forum, but intent outran action. When I considered getting L&H licensed last year, I audited class at Insurance Forum University (IFU). The forum was then and is now an excellent resource. I am sure that reading the discussions on the forum helped me to avoid some pitfalls and saved me time and money. After studying for the exam, I got my L&H license in the fall of 2014. In another life time I held securities and life insurance licenses, but I knew I still had a lot to learn, so I became a frequent visitor to the Forum. I must say some of the threads were as long as a lecture, but far more entertaining. In February I decided to make it official and matriculated at IFU, where my studies continue. I’ve read so much here, I feel like I know some of you. I look forward to interacting with you all in the future, as I learn and have my own experiences to share.