"This site may include analysis about the direction of various markets, and information about specific types of investments, as well as specific examples of investments that can be or have been made. All such ideas, opinions, and/or forecasts, expressed or implied herein, are for educational and informational purposes only. They should not be construed as a recommendation for the reader to invest, trade, and/or speculate in these markets. Any investments, trades, and/or speculations made in light of the ideas, opinions, and/or forecasts, expressed or implied herein, are undertaken at your own risk, financial or otherwise."
"Every investor, advisor, or planner makes mistakes, and I make plenty of them. The markets have a way of humbling just about everybody, and the nature of this site is such that obviously I cannot know each person's individual situation. I encourage you to do your own "due diligence," which should include seeking, if at all possible, professional advice. And by all means, "push back" by commenting when you think I am wrong, or when any advice seems incomplete or insufficient. That way, we will all learn, with each person maintaining responsibility for his or her own decisions."