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.