Disclaimer: The advice and knowledge given in this blog is intended to be for educational purposes. I always strive to give accurate and honest information. However, this advice is given strictly from a perspective of “If it were me in this situation, then this is probably what I would do…” This blog is not intended to give professional or legal advice. Your specific situation may vary, and as such you should seek the service of a qualified professional. I encourage you to be an independent thinker and researcher — I would never advise you to believe anything simply because you read it on the internet, heard it on the radio, saw it on TV, etc. For more information on my personal philosophy, see Proverbs 11:14 and Acts 17:11.

CFPB Disclaimer: I am employed at a federally insured financial institution as my “day job”. My experience in this industry is a major source of my personal financial knoweldge and has obviously shaped my opinions. Although I may discuss general events and topics related to the world of personal finance, I will not discuss nor endorse my employer in this blog. I do not receive any form of commission from my employer. The opinions expressed here are solely my own and do not reflect the opinions of any other company or organization. If an exception is ever made to the above policy, it will be clearly stated in the post.

Disclosure Policy: This policy is valid from 05 March 2014

This blog is a personal blog written and edited by me. This blog accepts forms of cash advertising, sponsorship, paid insertions or other forms of compensation.

This blog abides by word of mouth marketing standards. We believe in honesty of opinion and identity. The compensation received may influence the advertising content, topics, or posts made in this blog.

The owner(s) of this blog is not compensated to provide favorable opinions on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog may occasionally contain content which might present a conflict of interest. This content will always be identified. (See above Disclaimers.)

This blog is a public forum. Therefore, anything voluntarily posted or shared on this blog may become the intellectual property of the blog owner at my sole discretion. This includes (but is not limited to) comments, letters, and personal messages. I am not responsible or liable for content posted by third party users or advertisers.

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