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DISCLAIMER: This finance and investing website is created and authored by Robert Desai. The information provided on this website is designed to provide helpful information on the subjects discussed. This website is not meant to be used, nor should it be used, for investment and finance advice. Investments and finance information on this website may be risky and speculative. For proper investment and financial insight, contact Robert Desai directly. The information on this website is based on Robert Desai’s own opinions and is not a suggestion that any particular security, portfolio of securities, transaction, or investment strategy is suitable for any specific person. Robert Desai is not responsible or liable for any actions and consequences based on this website. Robert Desai assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications line failure, theft or destruction or unauthorized access to, or alteration of, the website. References are presented for informational purposes only and are not an endorsement. Robert Desai cannot guarantee and does not promise any specific results from use of the website. You should exercise caution in use and downloading of any content or materials. Robert Desai reserves the right to change any and all website content, software and additional items used or held on the website at any time without notice.