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Articles and comments posted on this site represent the personal views of their authors and are not necessarily mine or or any companies or organisations with which I am associated. I do not accept responsibility for other people’s infringements of others’ copyrights and trademarks.

Apart from any material specifically copyrighted by other people or organisations, I reserve all rights as author and designer of original writing, diagrams, photographs and other material. By posting a comment or article on this site, you thereby agree that I have to the right in perpetuity to edit and publish your comment or article in any form or media, without charge or restriction. You are welcome to use any original content from this site for non-commercial purposes, as long as you include a reference back to here. In turn, I will, where practical, acknowledge any third party information posted here. If I fail to do so, please let me know and, if valid, I will put it right.

The information on this site does not constitute an offer to any person of investments or personalized investment advice. The information on this site is not an offer to buy or sell, nor a solicitation of any offer to buy or sell, any securities or class of securities mentioned on this site. Readers who require personal financial investment advice should retain the services of a competent financial investment professional.

I am a participant in the Amazon EU Associates Programme, an affiliate advertising programme designed to provide a means for sites to earn fees by advertising and linking to and affiliated sites. I receive commission payments from Amazon on products purchased by readers of this website who click on links to those products. I have no responsibility or liability for the products and services provided by Amazon or its affiliated sellers.

Thank you.