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Themoneynarrative provides opinions and commentary to investors to assist them with their evaluation of investment opportunities and strategies, which are in no way intended to replace the due diligence required of each investor to ensure that any investment decision is appropriate for his or her circumstances; no opinions or commentary expressed shall be taken as directed to any one investor in that themoneynarrative is unaware of the particular circumstances of individual investors.  Themoneynarrative provides general educational commentary to assist investors; however, readers are advised to obtain such education and assistance as may be required to ensure that their financial interests are safeguarded.  Investors are cautioned that investing has inherent risks, including the permanent loss of capital invested.  Themoneynarrative disclaims any liability for damages and costs of any nature whatsoever, direct or indirect, which may be caused to any party as a result of reliance upon opinions and commentary expressed by themoneynarrative or any posters to this site.