Last week Steve Pomerantz, CFP interviewed me on his nationally syndicated radio talk show "On The Money!". Here are the highlights: Steve Pomeranz: So, you started in the brokerage world; you were very, very young, I understand, and you worked for Merrill Lynch... Then you discovered Warren Buffet, I guess, relatively early on. How did that change you? Frank Byrd: I had been at Merrill Lynch for about three years… I had been the cold-call cowboy. I made 40 cold calls a