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This is a site for people who are interested in getting specific answers to highly specific questions. It is a contrartian site. Anyone who asks questions of contrarian people, including other subscribers, should expect unconventional answers and opinions.

You are responsible for understanding and then implementing any strategies that you hear about on this site. We recommend that, before taking action, you consult with investment professionals who are familiar with your finances and who are licensed to practice in your state or province: lawyer, CPA, or other advisor. The Bible says, "In the multitude of counsellors there is safety" (Proverbs 11:14b). Play it safe.

On occasion, members of this site comment on investment strategies. They do so under the protection of the first amendment of the United States Constitution, which guarantees freedom of speech. This also applies to the opinions expressed by any department's moderator. This site is not licensed by any government agency. No one posting suggestions on this site does so as a government- licensed specialist.

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This site is not connected with any brokerage firm, securities or commodities exchange, or other sellers of investments. It is strictly an information site.

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