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The owner is not and does not act as a professional within the area of finance, early retirement, financial independence, personal finance, frugality, debt, financial advice or any associated areas, nor is the owner an economist or any other professional advisor. The information on this blog is based purely on subjective opinions, and the information should not be considered as advice for any legal, economic or other situation for any individual or organization. You should always seek appropriate counsel for your own situation from a professional. The reader should always seek local advice and understand his/her own local obligations.