Things I Take Responsibility For:


All opinions expressed here are my own and not those of anyone else. I am responsible for the content – not anyone else. If I ever have an employer he/she would not be responsible. Any group, organization, religious organization, agency or entity that I may be associated with would not be responsible either. It’s all about my personal opinions that are not financial, legal or any other kind of advice. Please seek the assistance of professional advisors as appropriate. Do not rely on any information in my blog as it is being prepared for discussion/information purposes only.

Mistakes and Stupidity:

I may make a mistake or say something stupid. Actually, chances are pretty good that I’ll do both at some point. I’ll do my best to refrain from stupidity (It’s ironic that I had to retype “stupidity” three times to get it right) but I don’t make any promises. I’m only human and make mistakes just like everyone else – probably more than everyone else. Waaay more. Just for the record; any mistakes belong to me and me alone. Not that I want to claim them but since they’re mine I’m kind of stuck with them. If you are using any information in my blog, you are doing so at your own risk. You should verify the information independently. I am just trying to provide you with things to think about.

Changing My Mind:

Over time my thoughts and opinions may change. In fact, I will tell you it’s a sure bet that I’ll change my mind – often. Posts are intended to give insight at the time the post is written, but not necessarily forever. Current posts may express different opinions than earlier posts. We do the best we can with what we know at the time, and as we learn more we do better. Right?


Many things in the blog come from my brain, and those things belong to me. But if you like a post feel free to link to it! You may use a portion less than 1/3 if you’re going to be picky of a post as long as you link to the original post and give me credit. If you want to use more than 1/3 of a post please contact me to request permission. I’ll probably say “Sure, go ahead!” Thank you for respecting my intellectual and the not-so-intellectual property.

Things I’m Not Responsible for:

Eternal Accuracy:

The information in this web blog is provided “as is” with no warranties and confers no rights. I’ll do my best to make sure all the information, including links, are accurate at the time of posting but there’s no guarantee that information posted today will still be valid or accurate in the future.

Incoming Links:

I can’t control who links to me. If I could you can bet I’d be setting myself up for some major PR juice! If you see a questionable site linking to my blog take it up with them, not me. I don’t submit my blog to “link farms” or directories so if they find me it was all on their own.

Personal Offense:

I promise to try my best not to not knowingly injure, defame, or libel anyone. Posting that Aunt Mabel’s puce sweater is hideous doesn’t count cuz that’s my opinion. Please don’t tell Aunt Mabel! If content matter, bad grammar, slang or punctuation translates or is interpreted into something bad in your country or culture it was certainly not my intent and I will not be held responsible for it. If you’re bound and determined to find insult where none was intended feel free to close the window and not return.

Bad Decisions:

My intention is to do no harmI’m not a financial advisor, lawyer, tax specialist, banker, mortgage advisor, or any other type of trained or licensed expert so what I write is not to be taken as fact nor absolute. Use your own brainpower instead of mindlessly making decisions based on what I write. You won’t be compensated in any way if you suffer a loss/damage/inconvenience because of something that is written in this blog.


Feel free to disagree with me or tell me I’m completely crazy in the comments section of each blog entry where comments are provided fo. Please be polite because my feelings are easily hurt. I reserve the right to delete any comment for any reason whatsoever – like abusive, profane, rude, anonymous comments, and spam. Once a comment passes moderation I won’t be held responsible for the contents of blog comments. And I’m not responsible for any laws that may be broken in any country through the content, implication, and intent of blog comments. Don’t bother commenting just to spam your site because I’m on to you and will delete your comment. But if you’re leaving an honest-to-goodness comment please link to your blog or site – I’d love to see it!

For Information Only

My blog is for information purposes only. Links to other websites are to assist you in finding the information that you are interested in. I have made every effort to avoid copyright infringement. If there are any concerns in that regard please contact me.