Answers..
1. Why am I an atheist: Because I'm not brutal enough to follow the word of a lunatic despotic rapist a-moral murderer.
2. How did the universe begin: I really don't know, but if you claim your god is responsible then.. Since he created everything, (Colossians 1:16, Ephesians 3:9, Revelation 4:11 & John 1:3), then he created the world’s evil (Isaiah 45:7, Lamentations 3:38). Thus, he is responsible.
Any being who could create situations such as rape, death, malnutrition, disease, molestation and murder is certainly not fit for worship.
Investments = Daytrades gone bad