I saw a similar financial disclaimer at Monty Pelerin, and so I decided I better have one.

The author(s) of this blog are amateur DIY investors, not professional investment advisers.  We have no degrees, certifications or any other qualifications which would indicate that the investment tips discussed here are professional.  Please proceed with caution; you are on your own if you take our investment tips.  If you want professional advice, find a professional investment adviser.