Many of my neighbors are legal immigrants (doctors) and are EXTREMELY intelligent and successful.

There have been plenty of horrible people who have been tremendously intelligent and we have the ability to learn from them.

Great book on financial intelligence.

Obvioulsy, any halfway intelligent investor will be quite leary of taking any position beyond 2 and 3 would be the tops in my opinion. 2.

Now, setting aside what an alien race would think of our intelligence level as soon as they starting picking up stray transmissions of Three's Company and The Love Boat, we have to assume any aliens capable of traveling to our planet are far more advanced and most likely have been sending THEIR radio waves into space for much longer.

He's just really intelligent, helpful and knowledgeable.  

I have no aspirations to be super "rich", I just have a desire to have a high level of financial intelligence and independence.

As @Jason Dillard stated, there is no case law on this yet and yes, I think everyone intelligent realizes they're aching for someone to make an example of to get it on the books so it can then be replayed and rehashed in every subsequent case nationwide.Ultimately, Dodd-Frank is un-Constitutional, communism at its finest and serves no legitimate purpose.

With such a wide variety of intelligent and able people signed up for this site why has there been no app created yet?

Umbrellas are so cheap that you should use one of those as a minimum, just don't get your hopes up that it is going to actually work as intended.Lastly since this exact same topic keeps coming up every week it may be best to search for the most experienced and intelligent poster ive ever read on this exact subject.