Readers,

on advice from my lawyer I have decided to notify you officially that any postings that I write on this site, past, present and future, have been and are strictly my own opinion and personal beliefs.

My postings are in no way intended as finacial advice or advice in any other field for that matter. Any action you may take after reading my posts and the consequences thereof are solely your own responsibility.

I strongly suggest that anyone reading this sites or any other do your own due diligence and be very skeptical of whatever is written unless it can be verified with a credible source.

It is a sad day for freedom of speach when you have to run around with a disclaimer clause in order to state your honest opinions.

F.F.