Although I enjoy talking and writing about personal finance and business, I am not licensed or certified in anyway. I am not an accountant, financial adviser, tax or investment professional, or any of such. The information written or discussed here and within is for entertainment purposes only, and up to one’s own discretion. Do your own research or due diligence and  seek professional advise from your financial adviser or accountant before investing or committing to anything involving your own personal finances and risks. What has worked for me might not work for everyone. Ones individual results does not guarantee positive outcome. There is no guarantee in finance and one must work for positive results.