As an AFC® Candidate, I am not a licensed financial advisor, financial planner, accountant, or attorney.  This blog is written from my personal experiences and is meant to inform and entertain my readers.  It is my intent that my readers will educate themselves further in the area of personal finance and seek the help of a professional as they see fit.  Therefore, I shall not be held liable for any decisions they make regarding personal finance.  I will present information as accurately as possible, but please be aware that there may be unintended errors or omissions.