This blog reflects my personal views, ideas, thoughts and opinions, and is not to be construed as representing in any way the views, opinions or guidance of people, institutions or organizations that I may or may not be associated with in professional or personal capacity unless explicitly stated otherwise. All reports, studies, and research cited in the blog are appropriately acknowledged, but any interpretations made or conclusions drawn should be based on your own personal judgment. My writings are not intended to endorse any companies, organizations, persons, products, or services.

This is, after all, just a blog, so its content consists of opinions, and therefore it’s intended only for informational/educational purposes. I expressly disclaim any responsibility for any liability, injury, loss, damage, expense or risk, personal or otherwise, which is incurred or might incur to you as a consequence and/or result, directly or indirectly, of any use of the material and information on the blog. I make no representation as to the accuracy or completeness of any information on this blog or found by following any link on the site. If I provide a link to other sites, or any 3rd party provides a link, I am not responsible for you clicking on these and something goes wrong (or viz a viz right). Any links to external websites, depiction/mention of company/product/service/etc. names or brands, are intended only for illustration and do not constitute personal or 3rd party endorsements.

This blog is intended to provide a semi-permanent point in time snapshot and the manifestation of the various things running through my brain, and as such any thoughts and opinions expressed within out-of-date posts may not the same, nor even similar, to those, I may hold today.

The material covered in the blog is not to be considered as any kind of financial advice, or constitute any recommendation of the same. I reserve the right to be wrong (or right) and learn. Things and opinions might change over time, and I am happy to be corrected.

I do not provide legal, regulatory, accounting, compliance or auditing advice or warrant that interpretations of contemporary issues presented in my (or 3rd party) articles, documents, etc. of the same are correct. Everyone is responsible for interpreting the law and regulations themselves and/or obtaining the advice of a qualified legal counsel concerning any relevant legislation and regulations applicable to your particular situation.

Also, please note that I try to give credit for any pictures, graphs, etc. I use, but sometimes I just might forget so I don’t explicitly claim credit for any images I might apply so please let me know if an acknowledgment is missing.

The information offered on the blog is given in good faith.

Comments & Commenting Policy

Comments are always welcome. However, I reserve the right to edit or delete any comments submitted to this blog without notice due to any reason, e.g., comments deemed to be spam, comments including profanity and derogatory remarks, etc. I am not responsible for the content of any comments posted.

Sponsored Posts, Reviews and Affiliate Links Disclosure

My blog may engage in small-scale advertising or other forms of promotional activities through affiliate programs, (product) reviews, or otherwise. If any affiliate links, compensated (product) reviews or sponsored posts are used, this will be made clear with explicit disclosure.

Currently, I am not doing sponsored posts. Past (product) reviews will stay as they are and therefore I plainly declare that I have received no monetary compensation for the reviews, but in the past, I have obtained books for free from the respective publishers to assess them, and if I have founded them to be interesting enough found interesting, to write a review.


I like chocolate chip cookies, but I think that nowadays you need to be aware of other cookies too.

This blog disclaimer is subject to change at any time.