As always, when reading any financial material, please do your OWN research! Our situations are drastically different and I am in no way, shape or form qualified to offer any financial advice.

The purpose of DIY Finances is not to become your financial advisor and tell you how to manage your finances, but to foster an environment of learning, understanding and discussion so that you will feel confident in taking control of YOUR finances.

However, if you feel uncomfortable with these types of decisions, please consult with an accredited financial advisor. By learning all you can about finances, you will understand what the financial advisor is suggesting and take the advice for what it is worth. You are in control - not the financial advisor.

The information contained herein was obtained from sources, which I believe to be reliable, however I cannot represent that it is accurate or complete. Do not construe the information provided here as authoritative investment advice.

I may personally hold securities mentioned on this site. Neither the information nor any opinion expressed constitutes a solication by me of the purchase or sale of any securities or commodities. Securities mentioned are not necessarily suitable to all types of investors. Please do your own research! Or talk to a qualified, fee-only investment advisor.  Any references to real persons, living or dead are purely coincidental.

I am basically trying to say that I am just an average Joe Investor trying to get by. My advice is worth exactly what you paid for it. Please do your OWN research!