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      This is a personal blog and is based on the personal opinions and experiences of the blog owner ("the owner").  Any views or opinions represented in this blog belong solely to the owner and do not represent those of the people, institutions or organizations that the owner may or may not be associated with in a professional or personal capacity, unless explicitly stated.

      Any views or opinions are not intended to malign any religion, ethnic group, club, organization, company or individual.

      All content provided on this blog is for informational purposes only and is true and accurate to the best of the owner's knowledge. The owner makes no representations as to the accuracy or completeness of any information found by following any link on this site. 

      The owner will not be liable for any errors or omissions in this information nor for the availability of this information. The owner will not be liable for any losses, injuries, or damages from the display or use of this information. The owner is not a professional, so this information should not be seen as professional advice.  If you rely on any information on this blog, it is at your own risk.

      Downloadable Files and Images:

      Any downloadable file, including but not limited to pdfs, docs, jpegs, pngs, is provided at the user’s own risk. The owner will not be liable for any losses, injuries, or damages resulting from a corrupted or damaged file.


      Comments are welcome but are currently subject to posting approval by the owner. The owner reserves the right to edit or delete any comments submitted to this blog without notice due to :

      • Comments deemed to be spam or questionable spam.
      • Comments including profanity.
      • Comments containing language or concepts that could be deemed offensive.
      • Comments containing hate speech, credible threats, or direct attacks on an individual or group.

      The owner is not responsible for the content in comments.

      The owner reserves the right to change how the blog is managed and may change the blog focus, content and disclaimers at any anytime.