The following are the disclosures & disclaimers for Please take the time to read and understand these statements.


On December 1, 2009, the Federal Trade Commission (FTC) required that bloggers disclose any interests and biases they may have. According to the rules if I blog for money or receive free stuff that is associated with anything that mentioned on my blog, I must disclose it.

For the purposes of this blog, readers should assume:


1) that for every recommendation, link, or product that I mention on my blog I will receive or have received some sort of compensation (either financially or non-financially).

2) that for every investment or company that I mention, assume that I hold shares or some other financial instrument (for profit), or that I have financial interest in it.


All information and data on this blog site is for informational purposes only.  I make no representations as to the accuracy, completeness, suitability, or validity of any information.  I will not be liable for any errors, omissions, or any losses, injuries, or damages arising from its display or use. All information is provided as is with no warranties, and confers no rights.


I will not be responsible for any material that is found at the end of links that I may post on this blog site. Because the information on this blog is based on my personal opinions and experiences, it should not be considered professional financial investment advice. The ideas and strategies should never be used without first assessing your own personal and financial situation, or without consulting a financial professional.  My thoughts and opinions will also change from time to time as I learn and accumulate more knowledge.

I reserve the right to delete any comments for any reason.  Please be respectful and enjoy!