All of the information presented on my website/blog is my own personal opinion.  It should not be used as investment advice - it is for educational purposes only. Before making any monetary or financial decision, please consult with an advisor or licensed representative. Please do your due diligence when making any financial decision and this includes any posts from guest contributors. 

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Please use caution when referring to articles (internal and external). Efforts have been made to ensure accurate information is presented but such may not always be the case. All information is presented without warranty and express the views of the author alone.