All information and thoughts are posted for my own use. There is no warranty, express or implied, that information is accurate or updated. There may be conflicts of interest. I may own stocks mentioned on this site. I may receive payments from companies that I write about (I can dream, right?).

Any information presented here may be time-sensitive. Even if it was accurate when I composed an article, it may be wrong by the time I publish it, and even more likely by the time you read it. Don’t just check the date of the article; double-check any information that you read here.

Any opinions contained in my writing do not constitute advice. I do not know you or your situation. If you choose to act on any ideas contained in this site, you do so at your own risk. Draw your own conclusions, and take full responsibility for your own actions and their outcomes.

Market commentary is intended to describe only the current situation. I cannot explain why we arrived at this point or where we might be going. Investment ideas are simply stocks that look interesting. I do not present complete information or any recommendation.

P.S. My employer disavows any knowledge of me or my actions.