David Hall graduated from The University of Texas in December 1980 with dual business degrees in Marketing and Finance.  He went to work for Dean Witter in 1981 and attained both his commodity and stock licenses.  In 1983, David moved to Merrill Lynch where he traded futures accounts for both speculators and hedgers.  David had the pleasure of trading for many top Executives of some of the largest companies in the world along with placing hedge transactions for large oil and gas producers, farmers and metals dealers.  During his years at Merrill Lynch, David was allowed to write a commodity market letter for the firm’s stock brokers in Texas and surrounding states.  The stock brokers appreciated David’s humor in his writing and the easy to understand reasons why different commodities were moving; so,  they could have intelligent conversations on the subject with their clients.  In the year 2000, Merrill Lynch chose to exit the commodities business.