This blog and website are for informational, educational and discussion purposes only. It is just our passion for personal finance. We are not selling or advising to buy any financial products. We are just blogging about one of our favourite subjects. You may analyse our opinions and determine if they suit you or not. We hope that your personal finance path to your goals will be covered with success and profit.

Even though topics may be discussed on this blog that involve legal or investment issues, nothing on this blog shall be deemed to constitute the practice of law, legal advice or investment advice.

Since this blog is a venue for discussion only, therefore, the Author will not delete critical comments, or comments portraying a different opinion from the Author’s own. However, the author reserves the right to edit, delete, or not publish a comment if this is deemed to be potentially illegal (this includes, but is not limited to comments containing hateful, libelous and defamatory content).

The information on this blog is general in nature and does not take into account your personal circumstances, financial needs or objectives. Before acting on any information, you should consider the appropriateness of it and the relevant product having regard to your objectives, financial situation and needs. In particular, you should seek independent financial advice and read the relevant Product Disclosure Statement or other offer document prior to acquiring a financial product.

Any view or opinion represented in the blog comments is personal & accredited to the respective commenter/visitor. Blogger also reserves the right to moderate the comments’ suitability to respect racial, religious and political sensitivities, and to protect the rights of each commenter where available. Everything the commenter says in explicitly or expressed in defamatory statements is bound to sedition laws from the commenter country of origin, and may be used against the said commenter.

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