Born in the middle of the Great Depression, Victor Colaio grew-up on the lower east side of NYC.He attended Cardinal Hayes High School in the Bronx. He later attended St. John's University where he obtained a BBA.Mr. Colaio's first job was employment as an accountant for a freight forwarder. After serving in the US Army, he held positions with several NYC agencies including the NYPD and FDNY. Subsequently, he accepted a position with the IRS as a tax law pension specialist.He later transferred to the US Merchant Marine Academy as Deputy Head of Budgets. He left government service and joined a Wall St. bond broker-RMJ Securities-where he performed various assignments and retired. He now spends most of his time writing. He lives with his wife Mary Christina.He has a daughter Jean and five grandchildren.His sons Mark and Stephen perished on Sept 11,2001 at the WTC. Victor Colaio now resides on the eastern end of Long Island.