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   The information provided on this web site is free and worth every penny.  Caveat emptor!  The author is not a registered financial advisor, and has no official financial credentials.  I am not associated with any bank, mutual fund, brokerage, or other seller of securities.   The information on these web pages is provided in order to educate individual investors in modern investment techniques.  The information on these web pages is presented "as is", is in no way guaranteed and the author expressly disavows any liability.

   Although this site is aimed at do-it-yourself investors, the effort needed to educate oneself in investing is beyond the interest of much of the population. Therefore, if in any doubt of their own abilities, investors should consult a qualified financial advisor before making any financial decisions.  Repeat: if in doubt, seek advice from a qualified financial advisor.

   The author invests in the market and may, from time to time, hold securities mentioned in these web pages.

   The information presented is not a recommendation to buy or sell any security.  On your own head be it.  Your mileage may vary.   What works for me won't necessarily work for you.  Use industrial-strength condoms.  

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