I trained as a physician. Having a heart attack or stroke? Involved in a major trauma? Been using meth for a year and decided that, at 3AM on a Saturday night, you really ought to have that ingrown toenail checked out? I’m your guy.

Want advice on your asset allocation, estate planning, tax minimization strategies or how to plan for retirement? I’m no wallflower, so I’ll have opinions, but in the end I’m just some dude on the internet. My financial education has come from books, blogs and the school of hard knocks.

My goal is to educate, amuse and empower you. I strive to have a meaningful long-term relationship with my readers, but not a fiduciary relationship. I’m not your lawyer, I’m not your financial advisor, and I’m not your accountant. Please don’t mistake my opinion for professional advice.

I’ll always try to be careful, but there is no guarantee as to the validity, accuracy, completeness, or suitability of any claims made anywhere on this site.

This site and its authors, owners or affiliates assume no liability with regard to financial results, legal results, or tax consequences based on the use of the information provided here.

Advertisers, commenters, and linked sites are solely responsible for their views and content; they do not necessarily represent the views of the site.

This site may participate in affiliate and other advertising relationships with merchants that earn fees or commissions for the site without incurring additional cost to the reader. I may earn something when you click a link or purchase a product mentioned on the site.

Privacy Policy
I’m not a stalker, and I have no evil master plan, but in our age of technology, data gets collected. Cookies get installed – not the kind that make you happy and chubby. It’s up to you to detect and remove them.

When you comment, sign up for newsletters or promotions, or visit other pages from this one, I’ll avoid deliberately collecting personally identifiable information. If you change your mind and ask to unsubscribe, I’ll honor your request (or automate the task) as quickly as I can. I won’t sell or distribute your information.

Since I am learning to use analytics from a company that may rhyme with frugal, data collected may include but not be limited to: what websites referred you to this site, the pages you visit on leaving this site, your internet service provider, etc. It’s collected in a manner that avoid personal identifiers. I’ll use it to see what appeals to readers and learn from what doesn’t, so I can produce content readers find useful and fun.

The site may also provide links leading to other websites. This site is not their nanny, and as such, cannot accept responsibility for those sites’ unsavory privacy policies or other shady practices. This site’s policy does not apply when you click out, so think twice before you click over to something sketchy. If there’s a way to track something, there’s a reasonable chance big brother is tracking it (he’s sneaky like that).

Acceptance of Terms
Through the use of this site, you are hereby accepting the terms and conditions stipulated within this page, including but not limited to the Disclaimer, Disclosure, Privacy Policy and agreement. If you disagree with our terms or conditions, then you should refrain from use of the site (and its related pages). In addition, your continued use of our website following the posting of any updates, modifications, or changes to our terms and conditions shall mean that you are in agreement and acceptance of such changes.