Let me remind you that I am not an expert on finance nor a professional advisor. My posts are based on personal experiences and research. Be advised that many of my posts will be subjective (my opinion). If you choose to use any information from this site, I will not be liable. After reading my posts, I recommend that you search for more information and form your own conclusions. You are likely to disagree with some of my posts. If so, please feel free to contact me.