This website contains the opinions and ideas of Ed Chang. It is presented with the understanding that he does not render legal, tax, investment, insurance, financial or accounting advice. If such advice is required, the appropriate professional should be consulted. The information on this site may not be suitable for every individual, and is not guaranteed or warranted to produce any particular results. Additionally, no warranty is made regarding the accuracy or completeness of the content, and the reader must assume the entire risk of acting on anything herein.