The material on this website have no regard to the specific investment objectives, financial situation, or particular needs of any visitor. This site is published solely for informational purposes and are not to be construed as a solicitation or an offer to buy or sell any securities or related financial instruments.References made to third parties are based on information obtained from sources believed to be reliable, but are not guaranteed as being accurate. Visitors should not regard it as a substitute for the exercise of their own judgment. Any opinions expressed in this site are subject to change without notice the writer is not under any obligation to update or keep current the information contained herein.The writer or his clients may have an interest in the securities or derivatives of any entities referred to in this material. In addition, he may make purchases and/or sales as principal or agent. The Financial Expert accepts no liability whatsoever for any loss or damage of any kind arising out of the use of all or any part of this material. My comments are an expression of opinion. While I believe my statements to be true, they always depend on the reliability of my own credible sources. I recommend that you consult with a licensed, qualified professional before making any investment decisions.