I'm not a financial advisor. I have no credentials in accounting, finance or money management. In college, I majored in Computer Information Systems with a minor in Business Administration. This doesn't make me smart, nor does it make me particularly qualified to give financial advice.
I'm writing about the things I do for myself in this journal. If you decide to do what I do, if you decide to take any of my suggestions as advice, you do so at your own risk.
If you make a million dollars because of something I say here, great! Send me a note and I'll be happy for you. Likewise, if you lose a million dollars, don't blame me for it. Make your own financial decisions based on our own experiences and skill. Do your own research and decide for yourself what's best.
In other words: Free advice is worth what you pay for it.
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