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The information contained on this site is the opinion of the individual author(s) based on their personal opinions, observation, research, and years of experience. The information offered by this website is general education only and is not meant to be taken as individualised financial advice, legal advice, tax advice, or any other kind of advice.

Because each individual’s factual situation is different, the reader should seek his or her own personal adviser. Nothing I write here or anywhere else on the internet should be considered advice for financial, or even life decisions.  Always consult with a financial professional to give you advice specific to your situation.

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