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The views expressed in this blog are my own and they do not reflect the views of any institutions, for profit or non-profit organizations or businesses and any recommendations of products, services, ideas, thoughts or research on this blog do not guarantee success or returns and may be subject to limitations and do not intend to offend anyone or any group. I may or may not have invested in such products or services with my personal funds. I do not get paid to provide opinions or recommend or market the products or services on this blog. All the information and data on this blog is for informational purposes only. I make no representations as to the accuracy, completeness, suitability, or validity of any information. I will not be held 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. Mistakes may happen from time to time. URLs and Domains may change hands. Because the information on this blog is based on my opinion and experience, 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.