Disclosure & Disclaimer


On December 1, 2009, the Federal Trade Commission (FTC) required that bloggers disclose any interests and biases we may have.

To make things easier and less tedious, you should assume that for every recommendation, link, or product that I mention here, I will receive or have received some compensation (either financially or non-financially) — for example, Amazon product links. For every investment or company that I mention, assume that I hold shares or some other financial instrument (for profit), or that I have a financial interest in it — for example, preferred shares, common stock, warrants, or corporate debt of XYZ Corp.


Unfortunately, people need to write one of these, even for blogs:
All information and data on this blog site are 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 at the end of links that I may post on this blog site. Mistakes may happen from time to time. URLs and domains may change hands. Because the information on this blog contains on my personal opinion and experience, it should not be considered professional financial investment advice. The ideas and strategies should not be 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.

Please remember that this is a blog, and you do not need to agree with anything I write. You will also find spelling mistakes & grammatical errors within each of my blog postings. I will be taking a lazy approach to spell & grammar since the posts are not meant to be official reports or papers. I’m only going to give them a quick once-over before posting them. If I can convey the information to the majority of readers, then it’s good enough. I’m not going to waste much time proofreading. If you are going to complain about it, you probably have too much time on your hands! Spend less time complaining, and more time accumulating knowledge and investment activities!

I reserve the right to delete any comments for any reason (abusive, profane, rude, et al.). Keep the comments focused on the real issue.

If you do not agree with this disclaimer, please stop reading this blog.