Standard Disclaimer for Essays

These essays and research works are my attempt to consolidate information I've gathered from books and articles I've read, thoughts that have occurred to me, and my own life and work experience. It's online for my own reference, and if you've stumbled upon them, there are a few things you should be aware of:

Primarily, I don't hold myself up as an expert or authority on any subject whatsoever. I read, I think, and I try to figure things out, and will concede that I still have a lot of things to sort out.

Since I'm presently working in the financial services sector, it's probably necessary to say that none of this information represents advice or an attempt to shill, it is based on common knowledge gathered from public sources and contains no proprietary information, and it is not authorized or endorsed by any company whatsoever.

If you're looking for comprehensive information from a recognized authority, there are other Web sites that propose to provide exactly that. If you're looking for personal financial advice or investment guidance, contact someone other than myself.

If you've got a problem with any of that, then just go away.