1.   Terms of Use

This blog reflects the opinion of the author, and the reader agrees that they are reading of their own free will. None of the content found on this blog should be considered a recommendation. The author is not advising, and won’t advise readers personally concerning topics presented on the blog. To the extent any of the information on the blog may be deemed to be advice, such information is impersonal and not tailored to the needs of any specific person. Please discuss your situation with your personal financial advisor. The publisher shall not have any liability or responsibility to any individual or entity with respect to losses or damages caused or alleged to be caused, directly or indirectly, by the information contained on this website. In addition, any advice, articles, or commentary included do not constitute a tax opinion and are not intended or written to be used, nor can they be used, by any taxpayer for the purpose of avoiding penalties that may be imposed on the taxpayer.

2.   Copyright Policy

Unless otherwise noted, the author is the legal copyright holder of all material on this blog and should not be reprinted or published without author’s written consent.

3.   Hold Harmless

In no event will the author be liable to readers, or any third party for any indirect, consequential, exemplary, incidental, or punitive damages from the readers use of the blog, or any of the content or other materials on the blog.