This investment bog (the “Blog”) is created and authored by Elliot Turner (the “Author”) and is published and provided for informational and entertainment purposes only (collectively, the “Blog Service”).  Under no circumstances does the information presented on this Blog represent a buy, sell or hold recommendation on any security.  The information in this Blog constitutes the Author’s own opinions and do not reflect the opinions of RGA Investment Advisors LLC or its affiliates.  None of the information on this Blog is intended to provide any tax, legal, investment or trading advice.  Nothing provided through this Blog whether by the Author or posted by other writers or commenters constitutes a solicitation of the purchase or sale of securities or futures.  In reading this site, you understand that the Author is not advising you personally concerning the nature, potential, value, or suitability of any particular security, portfolio of securities, transaction, investment strategy or other matter. 

The Blog may present excerpts from articles, interviews, SEC documents, company filings, electronic databases and conversations which express opinions on companies, people, investments and/or related matters.  The Author will link to sources of information or other websites.  Links from this site to another site in no way constitute an endorsement of the opinions or advice contained therein.  

From time to time, the Author and/or the Author’s clients may hold positions or other interests in securities mentioned in the Blog and may trade for their own account(s).   When the Author and/or the Author’s clients hold an interest in the securities discussed on the Blog, the Author will disclose that position.  This Blog contains opinions of the author and such opinions are subject to change without notice.  The posts on this Blog are distributed for informational and entertainment purposes ONLY.  Forecasts, estimates and certain information contained herein should not be considered as investment advice or a recommendation of any particular security, strategy or investment product.  Past performance is not indicative of future results.  The Author in no way guarantees any specific outcome or profit.  Investments can lose money over short or even long periods of time.  You should consult your financial advisor before making an investment decision. 

NO GUARANTEE CAN BE MADE IF YOU INVEST BASED ON THE INFORMATION PROVIDED ON THIS BLOG.  WE MAKE NO WARRANTY OF ANY KIND REGARDING THE BLOG AND/OR ANY CONTENT, DATA, MATERIALS, INFORMATION, PRODUCTS OR SERVICES PROVIDED ON THE BLOG.  THE AUTHOR DISCLAIMS ANY WARRANTY AS TO THE ACCURACY, COMPLETENESS, TIMELINESS OF ANY CONTENT OR INFORMATION FOUND ON THE BLOG.  THE DATA AND INFORMATION PRESENTED ON THE BLOG IS BELIEVED TO BE ACCURATE BUT SHOULD NOT BE RELIED UPON BY THE USER FOR ANY PURPOSE.  THE BLOG AND THE CONTENT ARE PROVIDED “AS-IS” AND THE AUTHOR DISCLAIMS ANY AND ALL REPRESENTATIONS, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF TITLE AND MERCHANTABILITY, IF APPLICABLE, AND FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT.  ANY AND ALL LIABILITY FOR THE CONTENT OR ANY OMISSIONS FROM THE BLOG, INCLUDING ANY INACCURACIES, ERRORS, OR MISSTATEMENTS IN SUCH DATA OR INFORMATION IS EXPRESSLY DISCLAIMED.