The ideas, thoughts and posts I write here are merely my way of sharing my expe­ri­ences with investing, finances and sometimes food as an ordi­nary con­sumer. I am a certified teacher. I am not a certified or registered financial pro­fes­sion­al; I am a co-author of our financial plan. I am not an accountant, a lawyer or a pilot. Do not take anything I say here as tax or legal advice. Do not start, change or mod­ify your port­fo­lio based on the infor­ma­tion I write about. Any ideas, invest­ment strate­gies, affiliate links and par­tic­u­lar invest­ment com­pa­nies dis­cussed in any arti­cle or on my website are a reflec­tion of my expe­ri­ences and should not be con­strued as a rec­om­men­da­tion. Always con­sult with a tax or finan­cial professional.