Was told by a lawyer friend that I needed to include a disclaimer on this site in case somebody makes a bad decision and somehow figures it’s my fault. As a result, the following:


Everything provided on this website is general advice only. It has been prepared without taking into account your objectives, financial situation or needs. Before acting on this advice you should consider the appropriateness of the advice, having regard to your own objectives, financial situation and needs. I disclaim all and any guarantees, undertakings, defamations and warranties, expressed or implied, and shall not be liable for any loss or damage whatsoever (including human or computer error, negligent or otherwise, or incidental or consequential loss or damage) from anything written on this site, any use or reliance on the information or advice on this site and from any insult, injury, liability, loss or damage construed from any text or software written on it or arising out of or in connection with it for me and any entity I’m affiliated with. The user exempts, excludes and will hold harmless this site and its writer, organisations, companies or any related or affiliated entity from any and all liability and must accept sole responsibility associated with the use of the material on this site, irrespective of the purpose for which such use or results are applied. The information on this website is no substitute for financial advice, is opinion and is not intended to cause harm. Use your common sense. Everything written here is the personal opinion of its writer and is in no way indicative of the opinions of any associated entities.