My name is Stephen Theard, pronounced Thay-Ard, and I am a native to the South Bay. I was born in Monterey California and spent my childhood growing up in south San Jose. I graduated from Gunderson High School in 1985 and received my Bachelors of Science Degree in Business Administration and Accounting from San Jose State University in 1992. My first career was in public accounting where I spent a total of 9 years working in state and local taxe...