The author of this newsletter is not a registered investment advisor.  This newsletter is intended only for informational and educational purposes only.  It is NOT investment advice and it is not individualized or personalized to meet your specific situation.  Its content should not be construed as personal investment advice.  The information, facts, figures, data and analysis included in this newsletter are believed to be accurate, reliable and credible but nothing has been verified for its accuracy or certainty.  The newsletter does not, nor could it; take into account the needs, objectives and financial situation of its subscribers.  This newsletter may contain forward looking statements which are subject to risks, uncertainties and factors that can cause results and outcomes to differ materially from those discussed.  Photocopying or forwarding of this report without consent is prohibited.
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