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Other than that, I'm a greedy, selfish bastard. I'm not sharing your email with anyone.


  • I am not a lawyer.
  • I don't play a lawyer on TV.
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  • I didn't stay at a Holiday Inn Express last night.

But I will do my best to provide you with useful, reliable information. Before you stake your business on any decisions, I strongly recommend contacting a specialist about your unique situation.

I speak in generalities about trends. I do my best to be statistically and directionally correct. But the specifics of your situation can change everything.


I make every attempt to keep this website as accessible as humanly possible. But I am only 1 person.

If you find a problem with the site, contact me and I will make every attempt to set it right.

Affiliate Statement

Per Amazon's requirements:

"We are a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for us to earn fees by linking to and affiliated sites."

The plain-talk version:

I participate in the Amazon affiliate program as well as several other affiliate programs. If you see a link for a product or service, I probably get paid a commission if you sign up/buy the product/service. I do not recommend products based on their affiliate program, but I would be an idiot not to include affiliate links for the products I do recommend.

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