Rick Ray is a world traveler, Forex expert, and professional coach who has spent over 30 years in Thailand. He started his career as a scuba diving instructor and store owner, but his quest for successful retirement investments led him to diverse fields such as networking, internet marketing, and e-commerce. Eventually, he found his niche in the foreign exchange market (Forex) and now teaches Forex trading full time through courses and coaching programs in Bangkok and online. Rick communicates and teaches effectively, helping aspiring learners achieve financial freedom, retirement income, lifestyle improvements, and passive income streams.