I am passionate about personal finance as well as sharing my opinions and strategies with those who are also interested.  While I take every caution to provide my readers with the most accurate information and honest opinions, please use your discretion before making any decisions, financial or not based on the information read in this blog.  This is a just a blog.  These are my personal musings.  I am not a financial planner or a professional investor.  I cannot accept responsibility for any losses, damages or inconveniences you may suffer while making use of information from this blog.

I may or may not update old posts and I am not bound to explicitly state any corrections or changes made.  A post is a snapshot in time; it is possible that newer, more updated information is available outside of my dated post.

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All opinions are my own.