The opinions, insights and information presented in this blog are purposefully not related to my profession. I do not provide advice. My thoughts, beliefs and the financial perspectives discussed in this blog and on this site are not meant to provide answers or legal/financial advice, but to establish thoughtful dialogue for your consideration. Please contact a licensed financial advisor or Certified Financial PlannerTM for help with personal finance and investment questions. I will not suggest the purchase of financial products or try to sell you anything on this blog. The contents of this blog and site are purely my opinions and only my opinions. Nothing on this blog is intended to malign any religion, ethnic group, club, organization, company or individual.

This blog is for educational and informational purposes only. Although insights, perspectives and ideas in this blog and on this site may involve financial or legal topics and issues, they are not intended to constitute the practice of law, legal, financial or investment advice. Readers should not act or rely on anything discussed in this blog without first consulting a licensed professional who is qualified to provide an informed opinion based on a clear understanding of an individual’s specific situation and circumstances. Readers who act or make decisions based solely on the information in this blog (without talking first with a qualified and licensed professional), do so at their own risk. All readers agree that I, Michael Babikian, have no liability for a reader’s actions, inactions, reliance on and/or decisions made in response to any blog or posting on this site.

Similarly, while I attempt to provide accurate information in links and other references in this blog and site, I cannot guarantee the accuracy of any posting and/or the information that others post here.

If I post links to other websites, please remember that those websites are not under my control. Therefore, I disclaim any responsibility for the content or conduct of any website linked to. I am not liable for any third-party links, and readers must consider the information from third-party links carefully and at their own risk.


I own the content on this site, and it is copyrighted in my name. Although I would like my content widely distributed, I want to protect my intellectual property rights. I appreciate your cooperation.

You are free to do the following without my permission:

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