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By subscribing to MoneyMatters, you acknowledge and agree MoneyMatters contains generic commentary and is provided for general information purposes only. No article, matter, issue, suggestion or recommendation discussed constitutes financial advice.  All efforts have been made by individual writers to ensure the matters discussed are accurate.  The contents of any article however should not be relied upon or used as a basis for taking any steps or entering into any products or services whatsoever.  You acknowledge and agree that all articles, matters, issues, suggestions and recommendations contained in MoneyMatters should not be taken in substitution for specific advice and a considered opinion. Readers are strongly recommended to procure comprehensive advice, from suitably qualified advisors, appropriate to their circumstances, financial affairs and objectives, before making any decision and/or embarking upon any course of action. No person or entity involved in the writing of articles and the publishing of MoneyMatters accepts any liability whatsoever for any loss or damage of any kind or nature whatsoever which may directly or indirectly arise or result from any advice, opinion, information, representation or omission, whether negligent or otherwise, contained in MoneyMatters. You further agree not to distribute MoneyMatters wholly or partially, to any other person or organisation or to republish on any other website or social media platform in any form,  either wholly or partially,  without obtaining the prior written consent of Janet Xuccoa and Cheshire Publishing Limited.