The thoughts, ideas, and recommendations on this blog are my opinion – straight forward and simple.  Any comments in the comments section is the responsibility of the sender.  I am not affiliated with anything I recommend other than the fact that I’ve probably used it before and found that it made my life or my family’s life better.  I am not a trained business professional, broker, lawyer, tax advisor, accountant or anything else related to personal finances or business practices.

If I’ve answered a question or make comment in discussion forum my answers are my opinion unless otherwise noted.  I will likely have no clue about your personal circumstance so am limited to only providing opinion with information given and what I would likely do were I in similar circumstances.

The readers or commentators are fully and completely responsible for your own choices in life –  all I am trying to do is to provide a philosophical perspective that has worked for me in the past.

Comments or added additional content:

If you choose to comment, thank you, but you are fully responsible for the content.  That said, any comment or additional added content become property of the blog.  I do hope for many comments and look forward to discourse, but please realize that if you leave a comment then it becomes part of the public domain and you hereby grant the blog owner the right and license to display, use, save, copy, reproduce, distribute, or publish (including, without limitation, in another blog post, article or book) your content or comment with no reimbursement.