Dr. Richard R. Howard II's areas of expertise are as a: health and fitness advisor, researcher, and financier (stock market and real estate). His degrees are a B.B.A. from Loyola University, New Orleans; and his M.P.H ., M.S., and Dr. P.H. from Tulane University 1988. He has served as a researcher in Organic Chemistry at Loyola University in 1973, an educator at Dominican College, New Orleans in 1977, a researcher in Biochemistry at Tulane University School of Medicine from 1978-88, and as a health and fitness advisor at the Howard Medical Clinic from 1982-1990. Dr. Ric is the author of "Vitamin C and Ophthalmic Wound Healing," published in 1988, and other peer review research papers. He was the Veterans Administration grantee in 1984. He was a member of Tri Beta National Biological Honor Society, and his biography is listed in Marquis Who’s Who in America, from 1992 to present, Who’s Who in Science and Engineering, from 1992 to present, and Who’s Who in Finance and Industry, from 1994 to present . Dr. Ric is a student of health and wholeness, as well as the stock market and economic trends- both are great passions. He has spent a number of years professionally counseling in the areas of: health, fitness, nutrition and supplementation, as well as the stock market paradigms of success. He has a desire to help and encourage others to achieve their dreams in all dimensions of wholeness, health, finances, and, if they are so inclined, spirituality. Dr. Ric firmly believes we are only limited by our imagination. Nothing ventured nothing gained. All things are possible through faith. He is currently located in New Orleans, and his interests include health fitness, body building, swimming, running, golf, piano, sexual mastery, and spirituality. He is currently a health professional, PE coach, and stock market investor.