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While I do have an accounting degree and a background in finance, I am not a professional or financial advisor. Articles posted on this site are informational opinions only. Please make your own financial decisions based on personal research or see a financial advisor.Also, there is paid advertising on this site. There is no obligation on your part to purchase any products or services advertised on this website. In accordance with FTC guidelines some links on this site are affiliate links and if you click on the link I may receive a commission.