Disclaimer is a general information website focusing on basic  aspects of personal finance intended to educate young adults who are starting off their life.  The ideas contained in this website are practically based on the author's real life experiences in her journey of putting her financial house in order.

The ideas and recommendations of the author  should not be taken as legal or any other form of professional advice. You need to do further research and exercise good judgement based on your personal situation and preferences.

Some links within this website may lead to other websites, including those operated and maintained by third parties where the author  is affiliated.  These links are intended for the visitor's  convenience  should there be a need for detailed information on a specific subject matter. The presence of such links does not imply a responsibility for the linked site or may not necessary constitute an endorsement of the linked site. 

Permission is given for the downloading and temporary storage of one or more of these pages for the purpose of viewing on a personal computer. The contents of this site are protected by copyright under international conventions.  Apart from the permission stated, reproduction, distribution, republication, and/or retransmission of material contained within this website are prohibited unless prior written permission from has been obtained.