The information on is provided for for education and informational purposes, without any expressed or implied warranty of any kind, including warranties of accuracy, completeness, or fitness for any particular purpose.

The contents are based on my personal experience, my interpretations of the data, and my computer simulations. Although I made every reasonable attempt to achieve accuracy, I can assume no responsibility for errors or omissions.

Use this information as you see fit and at your own risk. Your particular situation may not be suited to the examples illustrated or recommendations provided, so adjust your use accordingly. Your financial decisions must be based on your own independent due diligence, including consulting with a professional as needed.

Investing in stocks and bonds, or any other security, has potential rewards and risks. You much assess the risks yourself or seek independent professional advice.