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I grew-up in Wyoming, Colorado, and Utah. My father was a livestock rancher.  I attended the University of Colorado, graduating with a double major in Economics and French.  After graduation, I went to OCS in Newport, Rhode Island and was commissioned a Navy Officer.  In 1979, I was assigned to the Port of New York where I ended my active duty to attend Columbia University.  During my summers in graduate school, the Navy sent me to London on active duty (as a Reservist) where I did economic analysis on Cold War issues facing Western Europe.  Later, after Reserve Active Duty tours at the Pentagon, in Asia, with NATO, and to Antarctica (twice).  I retired as a Navy Captain in 1997.
I earned my Doctorate from Columbia Business School in banking & financial markets.  I taught finance at Rutgers University in New Jersey and economics at Barnard College, New York City.  When I moved to San Diego, I joined a boutique accounting firm. the first step to fifteen years of full time professional consulting.  I passed the three CFA exams and was awarded my CFA Charter.  Later. I was President of the CFA Society of San Diego (1994-95) and co-founded Cottingham Aggressive Growth Fund – a registered investment partnership.  From 2002-2010, I was a Director (also Chairman) of USA Federal Credit Union. I started teaching part-time at UCSD in 1994 then fulltime in 2003. I retired in 2017.  I moved to Washington DC for three months to help a friend on his goat farm through the winter.

 

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