The information on this blog are based on my personal 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.

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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 spelling & 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 waste much time proof reading.  

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