Per FTC Guidelines,

I do have financial relationships with some of the merchants mentioned here. I may be compensated if readers choose to utilize the links located throughout the content on this site and generate sales for the said merchant.

(Lack of) Professional Certifications

I am not a licensed professional of any type. The only certification I hold is a Bachelor of Arts degree in Performing Arts Music. I do have personal opinions, sometimes strong, ignorant, or biased. Everything you read on this blog is my personal opinion, not financial advice. The commentary I make in this space is intended for entertainment and/or informational purposes only. This information is distributed on an “as is” basis with no warranties.  I don’t intend to mislead, but my facts, figures, and/or calculations can be incomplete, inaccurate or just plain wrong. The word “you” in the posts doesn’t mean literally you, the reader. In most cases, it means me, the author. Please be sure to double check everything that you are considering taking action upon based on what I write about. Bottom line, please don’t blame me for anything that you do.