Please share your thoughts. Thank you for reading. -------------------------------------------------------------------------------------------------------------------------------------------------------------- DISCLAIMER: I am not a financial advisor. I do have personal opinions, sometimes strong, ignorant, or biased. Everything you read here is the author’s personal opinion, not financial advice. I am by no means an expert. I don’t intend to mislead, but my facts, figures, and calculations can be incomplete, inaccurate or plain wrong. Please don’t blame me for anything you do.