This is a weblog, commonly referred to as a “blog”. The opinions and thoughts expressed are my own and DO NOT represent those of my employer, associations or volunteer organizations that I am a member of. As laws, regulations, rules, products and circumstances change, so shall my opinions and thoughts from time to time. Therefore, I reserve the right, in my sole discretion, to update old post without any obligation to explicitly state all corrections made. You are fee to respectfully disagree with me in the comments section of each blog entry; however, I reserve the right to delete any comments for any reason (i.e. rude, profane, abusive, etc. . .). While every effort will been taken to provide the most accurate information and honest analysis, please use your discretion before making decisions/taking action based on the information in this blog. I am not a certified financial planner and you will not be compensated in any way if you happen to suffer loss/inconvenience because of the use of the information provided. The reliance upon any information shall be at your own risk.