All articles and responses to comments on this site by the author(s) and editor(s) are “impersonal investment advice” and are not “personal investment advice” as those terms are defined by law.

Impersonal advice is of a general and educational nature and not necessarily suitable or appropriate for any individual or particular investor or investment account.

All articles and responses to comments on this site by the author(s) and editor(s) contain opinions which may or may not be correct.  They are a starting point for your research and should not be the sole basis of your research or investment decisions.

Before making any investment decison you should have a plan, that among other things, takes your entire profile into consideration; including but not limited to your psychological and financial risk tolerance, as well as your investment knowlege and experience, the size of your investment account, your financial goals, your income, age, financial needs and obligations, and the total complex of your investment portfolio.  The ideas presented on this site are made without knowlege of your entire profile and therefore may or may not be suitable or appropriate for you.

To the extent that our research is based on past performance of securities or financial markets, the reasonableness or utility of that research must be viewed in light of the fact that past performance is no guarantee of future performance.

It is your responsibility to determine what is correct, suitable and appropriate for you.  If you cannot make that determination, you should rely on the personal investment advice from a qualified investment advisor.

We use information and data sources that we believe to be reliable in support of articles and responses to comments, but we do not warranty the accuracy of those sources.  Virtually all data sources contain some data errors and different data sources do not always provide the same information on the same point

We attempt to use reasonable care making calculations, interpolations, deductions or inductions from our data sources, but we do not warranty that we have done so without error.

Do not rely solely on information found on this site for any investment decision.  No representation is made on this site that any idea presented here is appropriate or suitable for you or your account. Before you make any investment decision do your own investment research or obtain personal investment advice from a qualified investment advisor.

Neither QVM Group LLC nor Richard Shaw assume any responsibility for any investment decision you make based on the impersonal investment advice provided on this site.

If you need personal invesment advice we are registered investment advisors ready to assist you on a fee basis.  Contact us at Richard.Shaw@QVMgroup.com to arrange a telephone conference about your needs and our services, and please visit our advisory site at www.QVMinvest.com.