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The blog, presentation, information, or material as well as reply to the visitor’s comments has been prepared for general information purposes only. The information or blog article is the personal view of the author. While we monitor the comments, the comments are written by the visitors and are their opinion and we are not responsible for the same. Information contained on the website or blog, including the article, visitor comments and reply is not intended to constitute a recommendation, offer or advice. It does not constitute a solicitation to any class of persons to act on the basis of opinions expressed thereto. The information contained herein is subject to change without prior notice. We do not warrant that the information contained on the blog or the website is accurate or complete and disclaim any and all liability to anyone for any loss or damage caused by errors or omissions. We assume no responsibility for the interpretation and/or use of information contained herein, nor does it offer a warranty of any kind, either expressed or implied. Before making any decision you should consider whether the information is appropriate in light of your needs and you may wish to consult a professional adviser, financial planner, lawyer or anyone, as the case me be, for further advice.