I am not a financial adviser. While I do have over 20 years of business experience which runs the gamut of managing retail stores, advising small business owners, being the CEO and CFO of my own incorporated company, holding Economics and MBA degrees, I am not a registered financial adviser. It is my humble opinion that the information, commentary, and opinion that makes up the pages of this site is sound, accurate, and credible. However, in no way is any of it to be construed as financial advice. It is opinion.