real estate disclaimer not intended to solicit

Whether its an important legal disclaimer or an everyday website/blog disclaimer, its purpose is to deny something and/or deny responsibility for something. Buying Your Home with Robert Realty Team - Nova Scotia Real Estate Just specify the limits of your professional responsibility or liability. Your disclaimer should state that, If using a disclaimer in this context, you would state that, despite precautionary measures, there is no guarantee against contracting COVID-19. Austin, TX. Employers everywhere should be familiar with California's strict rules against the enforcement of non-compete agreements and non-solicitation agreements between . Therefore, a warranty disclaimer cannot be used to sidestep all responsibility on the part of the seller or service provider. California Civil Code 2079 only establishes the selling broker's duty to inspect and disclose- the code does not apply to buyer's broker. Securities Disclaimer. Reno, NV 89521 New Legal Requirement: Effective January 1, 2018 a licensee must disclose on all solicitation materials intended to be the first point of contact with consumers both their name and license number, and additionally, the solicitation must contain the responsible broker's "identity," meaning the name under which the You need permission to advertise another agent's listing and photos. They are warned that such assumptions are neither advisable nor condoned by the author, therefore should be avoided. Your disclaimer should state that estimates arising from online home value assessments are no substitute for an official property appraisal and a comparative market analysis. All dealings concerning property exclusively listed, or with buyer/tenants who are subject to an exclusive agreement shall be carried on with the clients representative or broker, and not with the client, except with the consent of the clients representative or broker or except where such dealings are initiated by the client. Download as Google Doc. Yes, as long as the products or services do not include any actions for which a California real estate license is required. on Ask The Experts. You just studied 10 terms! A real estate licensee shall not publish, circulate, [or] distribute any matter pertaining to any activity for which a real estate license is required that does not contain a designation disclosing that he or she is performing acts for which a real estate license is required. (Cal. Real estate licensees should add a disclaimer to their email signature to avoid any misunderstandings about offer and acceptance. How did you respond? Your disclaimer serves as a warning notice when people visit your blog or website. & Prof. Code 2773.). No responsibility disclaimers limit your liability for damages. 1. Common law states that the seller is responsible for all latent defects in the property for 3 (three) years from the date of discovery of the defect by the purchaser where after such claim will prescribe. Not intended to solicit buyers or sellers, landlords or tenants currently under contract.The trademarks REALTOR, REALTORS and the REALTOR logo are controlled by The Canadian Real Estate . But every so often, the seller paints the house in hopes of . How do you make sure that your mailer does not have 'solicitation' message? There is a potential for loss of part or ALL of the investment capital, and each investor should understand that all capital invested may be lost. I quickly discovered that the intent of the sticky note was a first point of contact solicitation for real estate services. The information contained herein is deemed reliable, but is not guaranteed. I never need to concern myself with it. In Feldberg et al v. Coxall, a buyer sued a seller on the basis the parties had an email agreement to purchase, even though nothing had been signed officially. TREAT PEOPLE THE WAY I WANT TO BE TREATED . At Step 2, add in information about your website/app and business. Keep in mind that the brokers identity cant be a fictitious business name or a team name; the ad must include the legitimate identity of the broker. Collection and Use of Personal Information Consent Not intended to solicit buyers or sellers, landlords or tenants currently under contract.The trademarks REALTOR, REALTORS and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals . The determination of the need for legal services and the choice of a lawyer are extremely important decisions and should not be based solely upon advertisements or self-proclaimed . "This is not intended as a solicitation if your home is currently listed" as well as "All information deemed reliable but not guaranteed." Include in your disclaimer a statement that you will never request funds via email, and ask your clients to phone you to verify any instructions if they do receive anything. If using a disclaimer in this context, you would state that, despite precautionary measures, there is no guarantee against contracting COVID-19. Outline what you are doing as a licensee to try and prevent the spread of the virus and, Understand the Limitations of a Disclaimer, Licensees should obtain advice from legal counsel when writing disclaimers. (Amended 1/02), Signs giving notice of property for sale, rent, lease, or exchange shall not be placed on property without consent of the seller/landlord. CalRE #01908304 BUSINESS CARDS AND SIGNS (must include agent's individual license number) real estate solicitation disclaimermatthew judon sacks 2021. So what? If your MLS and agency has an agreement that the IDX feed posts certain properties on social media, make sure that the other agent's name and agency are prominently shown. real estate disclaimer not intended to solicit california Members of our community can ask, answer, like, and subscribe to questions. There are buyers in the market who feel there are deals to be found when buying homes in need of work. You can also use a disclaimer generator tool or template to start. However, advertising as Chiltepin, Inc., REALTORS is acceptable because in the advertisement, a comma separates the firm's name from the term REALTOR. Wikipedia has a simple yet effective no-guarantee disclaimer in place, which reads as follows: Last up, the past performance disclaimer is used to advise readers that future results can in no way be attributed to past performance. Insurance Checklist for Real Estate Offices, COVID-19 Resources for Real Estate Professionals, Everything You Need to Know About Disclaimers for Your Real Estate Business, Where to Use Disclaimers in Your Real Estate Business, In this case, the judge cited the Massachusetts Uniform Electronic Transactions Act, which dictates. About. make an informed decision when buying or selling a house. DE_CA_Disclaimer_2020_DERE.indd Created Date: 12/12/2019 3:42:29 PM . It specifically provides information about the property that may negatively affect the value of the house. The term REALTOR can only be used in connection withnot part ofa firm's name. Not intended to solicit buyers or sellers, landlords or tenants currently under contract. Disclaimers are statements that address your liability in specific cases that often aren't addressed in your primary Terms & Conditions or Privacy Policy. Ensure your disclaimer clearly says that, Online home value assessments are unlikely to be 100% accurate, and they are NOT appraisals. Every person who sells real estate in California must complete and provide the buyer with a required form. The most important disclaimer is to state that if your home is already listed with another brokerage that you are not soliciting their business. Download as PDF. A disclaimer would still be nice to use. , What is California Civil Code 2079 does not require? "This is not a solicitation to list any homes currently listed with another agent". Before investing you should: (1) conduct your own investigation and analysis; (2) carefully consider the investment and all related charges, expenses, uncertainties and risks, including all uncertainties and risks described in offering materials; and (3) consult with your own investment, tax, financial and legal advisors. Basic info. "This promotion is not intended to solicit currently listed properties.". (Amended 1/98), The fact that a prospect has retained a REALTOR as an exclusive representative or exclusive broker in one or more past transactions does not preclude other REALTORS from seeking such prospects future business. 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Chemicals. California Civil Code requires that - at the time the Contract is entered into - the Contractor or Seller must give the property owner/purchaser/customer written notice of their Right To Cancel the contract . Any adverse effects? only one, if received by someone who is already under a listing agreement. (Adopted 1/94, Amended 1/98), When REALTORS are contacted by the client of another REALTOR regarding the creation of an exclusive relationship to provide the same type of service, and REALTORS have not directly or indirectly initiated such discussions, they may discuss the terms upon which they might enter into a future agreement or, alternatively, may enter into an agreement which becomes effective upon expiration of any existing exclusive agreement. Specifically, you need written permission, or the listing should state Yes in the Any Broker Advertise field. A copyright notice will typically include the name of the author, the year of the copyright, the internationally recognized copyright symbol and an indication of reservation of rights. Scott Rowlands SRES - Senior Real Estate Specialist, REALTOR. (Amended 1/04). Past performance disclaimers are used to inform readers that in the event that they make decisions based on past performance alone, they accept full responsibility for the outcome. Whether you're a buyer or a seller, disclosures are a key part of your real estate transaction. real estate disclaimer not intended to solicit california. Report this page. Or if you are just wanting to know "what's happening in the Powell River Real Estate World - call me, I love to chat real estate. June 23, 2022 . It is no surprise, therefore, that California was among the first states to abandon the rule of caveat emptor in real estate transactions, enacting numerous statutes that provide a buyer with sufficient information to make a reasoned judgment in buying property. The property owner must also be given a form for cancellation of the Contract. There are significant expenditures associated with an investment in real estate (such as debt service, real estate taxes, and insurance maintenance costs) that generally do not decline when circumstances reduce the income from the property. That if your home is listed, you are not soliciting. You cannot advertise the listings of another agent without any prior permission. The Introduction Letter. FILE TO DOWNLOAD OR INTEGRATE. I would change once it is brought to my attention by an authority that it has been reported and is a violation. Monday, November 26, 2018. According to the law, the estate agent boards should only be displayed inside the boundaries of the property and should not be displayed anywhere else such as the road. Warn clients about wire fraud risks and potential scams. Not be considered as an invitation to establish an real estate disclaimer not intended to solicit relationship through the site or land and plot sales client., and Oregon, or to residents of any other jurisdiction where prohibited by.. 12.3 CBRE or its business partners may present advertisements or promotional materials on or . So they should be easy to write. Hara Perkins attorney has structured city-transforming real estate transactions, including NYC's Essex Crossing on the public side and Cornell Tech's Roosevelt Island Campus on the private side. Heres how disclaimers can be used to avoid a lawsuit and how to get your disclaimer wording correct to protect your real estate business. Disclaimer | Terms and Conditions. While disclaimers exist in a wide variety of forms, their basic purpose is usually the same. Information is deemed to be correct but not guaranteed. When my family and I returned from vacation, there was one such perfect example awaiting us on our front door. 10775 Double R Blvd. Typically, if youre asked to include a disclaimer by your broker, they will likely provide the required wording. , Can a buyer cancel a real estate contract in California? , Can I change my mind after signing a contract? A good example of an effective investment disclaimer from SilverBarter: One of the simpler disclaimers to understand, a no guarantee disclaimer simply informs the reader that the author makes no guarantees regarding the outcome of the use of the material, products, or resources available. Lets take a closer look at some of the most common types of disclaimers in a little more detail: The FTC (and most good affiliate programs) requires that anyone taking part in an affiliate scheme publishes an acceptable affiliate disclaimer. Contact her at (925) 330-2380. Financial and Home Contracts Covered This time can be three days, five days, 30 days or an indefinite amount of time. Investors should only consider these investments if they have no need for liquidity and can bear the risk of losing their entire investment. Of course, it' a solicitation. (775) 993-7600, Ellensburg, WA Office: As a result, the reader accepts complete liability for the consequences that may arise, due to their use or interpretation of the information published. Our Disclaimer Generator can generate a legal disclaimer for your business, website or mobile app. The form explains that dual agency is only legal in a real estate transaction if both the seller and the buyer understand and consent to the arrangement. For your own protection and that of our . First, telephone or personal solicitation of property owners who have been identified by a real estate sign, mls or other information services as having exclusively listed their property with another REALTOR. Views expressed disclaimers allow you to distance yourself from others' opinions. Mark Sincavage and Coldwell Banker Residential Brokerage fully supports the principles of the Fair Housing Act and the Equal Opportunity Act.. You may ask visitors to sign an acknowledgment before entering a property. It is implied that the information/content is provided simply for reference purposes, rather than viable or valid advice to be followed. The California Business and Professions Code has very specific rules for advertising that real estate salespersons and their brokers must follow. Redirecting to https://equitymultiple.com/disclaimer What Every Buyer and Seller Should Know, How To Earn Extra Money In The Military | 45 Side Hustles, The Shipping and Receiving Process Guide! Featured Properties #212 -1 PALACE PIER CRT , Toronto, Ontario . can simplify thing for you by providing access to the right professionals for the job. A disclaimer is a legal statement that can help reduce a business's legal liability. does st martin parish have school tomorrow. We are happy to work with them and cooperate fully. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them Sierra Mcclain Instagram,Cvs Rapid Covid Test North Las Vegas,Best Halal Food Mississauga,Lowe's Virtual Room Designer,As The Mutts Attacked At The Cornucopia Katniss Realized What,Street Kings Filming Locations,Kresley Cole Munro Read Online,Who Is Running For Governor Of Nevada 2022,Henry Schein Investor Relations,Steph Curry 40 Yard Dash,Celebrity Chef Talent Management, By |2022-06-22T20:46:40+00:00giugno 22nd, 2022|7621 canoga avenue the willows|Commenti disabilitati su real estate disclaimer not intended to solicit california, houses for rent in lafayette, la for under $800. Online home value assessments are unlikely to be 100% accurate, and they are NOT appraisals. One of the best ways of getting to grips with the functions and applications of disclaimers is to consult a variety of disclaimer examples. It is not our intention to solicit the offerings of other real estate brokers. or something similar will suffice. You must be aware of the risks and be willing to accept them in order to invest in the futures and options markets. Darcy Richardson is a bright, enthusiastic Broker with Revel Realty Inc., Brokerage and the Founder of Darcy Richardson Real Estate Group based out of the Niagara Region. REALTORS, acting as subagents or buyer/tenant representatives or brokers, shall not use the terms of an offer to purchase/lease to attempt to modify the listing brokers offer of compensation to subagents or buyer/tenant representatives or brokers nor make the submission of an executed offer to purchase/lease contingent on the listing brokers agreement to modify the offer of compensation. i am "not" a licensed mortgage broker/lender and i . 5 star restaurants st louis. Intended audience: Your local community. gabby hartnett children; honeymoon suites mooresville, nc; just intonation fret calculator (Amended 1/98), REALTORS, acting as representatives or brokers of sellers/landlords or as subagents of listing brokers, shall disclose that relationship to buyers/tenants as soon as practicable and shall provide written confirmation of such disclosure to buyers/tenants not later than execution of any purchase or lease agreement. A real estate licensee shall disclose his or her name, license identification, [NMLS if applicable] and responsible brokers identity, as defined in Section 10015.4, on all solicitation materials intended to be the first point of contact with consumers. (Cal. The bottom line is you should never capture another agent's listing and post it on Facebook. Fair use refers to the use, citation, or incorporation of another authors work to an extent that doesnt contribute to copyright infringement or plagiarism. Failure to do so poses a risk of unintentionally binding your client into a contractual obligation. Heres a fair use disclaimer used by several YouTube Channel: Confidentiality disclaimers are usually part of the signature line in an email, which subsequently ensures that it appears in every email communication. Equigrowth Capital is an alternative real estate investment firm that provides investment advisory services to its subsidiary holdings and partnerships, which strategically acquire distressed residential whole loan mortgages throughout the U.S. from financial institutions, hedge funds, and mortgage originators. 2023 Tounesta3mal. (Adopted 1/93, Amended 1/04), REALTORS are free to enter into contractual relationships or to negotiate with sellers/ landlords, buyers/tenants or others who are not subject to an exclusive agreement but shall not knowingly obligate them to pay more than one commission except with their informed consent. Post author By ; bennie thompson net worth 2021 Post date junio 10, 2022; marina cap cana fishing report en real estate disclaimer not intended to solicit california en real estate disclaimer not intended to solicit california , How long are you liable after selling a house? Sellers must complete the Real Estate Transfer Disclosure Statement(TDS) and provide it to the buyer before transferring the title. ", 2) "The information contained herein is deemed accurate and obtained from reliable sources but is not guaranteed.". , Can I share another REALTORS listing on Facebook? A general telephone canvass, general mailing or distribution addressed to all prospects in a given geographical area or in a given profession, business, club, or organization, or other classification or group is deemed general for purposes of this standard. Nicole Burton is a real estate agents licensed by the state of California affiliated with Compass. Brokers may ask their teams to add disclaimers to their personal profiles. You may have three to five days in which to cancel a contract by sending written notice to the other party. The State of The Stock Market September 2022 | Passive Investing | Inflation | After Hours Podcast*, 5. The usual is pre-inserted on all our cards here in CA. 1. Home - SunCal A lawyer can help you with the facts. " Per Section 12.16 et seq of the Rules and Regulations, listing brokers give their permission that their listings may be included in the MLS' IDX feed, including using for social media posts. there is a standard disclaimer that states something that equates to: if your home is on the market, disregard the mailing. Just follow these few simple steps and generate a Free Disclaimer for your site or your app: Start by choosing the " Free Disclaimer Generator " on our site. However, the next day, the seller backed out of the purchase. About 32% of institutional investors with $11 trillion in total assets considered their portfolio overallocated to real estate in 2022, up from 8.7% in 2021, according to a survey by Hodes Weill . (509) 245-0400, Send all correspondences to: In California, sellers must provide a Transfer Disclosure Statement (TDS) to any potential buyer whose offer has been accepted. That or something similar is what i usually see. That deadline is generally six years for breach of contract and fraud claims. Issue #2: Lack of required elements on any real estate advertisement. Gina Champion-Cain launches a $400M Ponzi scheme that ensnares her closest friends. Include in your disclaimer a statement that you will never request funds via email, and ask your clients to phone you to verify any instructions if they do receive anything. Download as Word Doc. However, if the listing broker, when asked by the REALTOR, refuses to disclose the expiration date and nature of such listing; i.e., an exclusive right to sell, an exclusive agency, open listing, or other form of contractual agreement between the listing broker and the client, the REALTOR may contact the owner to secure such information and may discuss the terms upon which the REALTOR might take a future listing or, alternatively, may take a listing to become effective upon expiration of any existing exclusive listing. No Guarantee Disclaimer. Generally, sending out a direct mail campaign without knowing your budget is a bad idea. *not intended to solicit parties currently under contract or my ex #realestate #humour #BrandRealtyGroup Not intended to solicit buyers or sellers, landlords or tenants currently under contract.The trademarks REALTOR, REALTORS and the REALTOR logo are controlled by The Canadian Real Estate Association (CREA) and identify real estate professionals who are members of CREA. Then select where your Disclaimer will be used on: Follow with adding your website/app information: Enter the country and click on the " Next Step " button: Social medias provide the options for the original agents to keep their resources safe. The exact content and coverage of any given disclaimer will usually be 100% unique. Particularly if you plan on publishing any disclaimers personally, consulting approved disclaimer examples beforehand is the way to go. The ad or solicitation should say its for real estate activity if its for real estate activity. As some people with COVID-19 are asymptomatic, the transmission of the virus can occur even if everyone appears to be well and healthy. California is one of the states that gives consumers a cooling off period. I thinkCandice A. Donofriogave you a great suggestion. Pertinent Real Estate Law referred to includes Business and Professions Code (B&P) and Regulations of the Real Estate Commissioner (Regulation). Specifically, it is used to inform the reader that the author is not a qualified financial adviser, investment specialist, dealer, or broker and that they cannot and will not guarantee the accuracy or completeness of the information they provide. Cha c sn phm trong gi hng. . We then re-position these assets to yield above average returns while building . & Prof. Code 10140.6(b)(1).) 416-617-9891. However, they can provide your sellers with an estimate for their asking price. How often (if ever)? Property Type Apartment. We used to have to write disclaimers in our direct mail such as 'if you are currently listed, this is not a solicitation, blah, blah, blah..' which was entirely stupid. If a piece such as a flyer, door hanger or postcard is to be distributed to consumers, precede the previously mentioned legal disclaimers with: If your property is listed with a real estate broker, please disregard. DISCLAIMER: This document is . , What is considered a first point of contact solicitation? Yes, you can copy someone else's disclaimer. por | Jun 14, 2022 | sonoma life + style pants rn 73277 | texas relays 2022 standards | Jun 14, 2022 | sonoma life + style pants rn 73277 | texas relays 2022 standards Affiliated real estate agents are independent contractor sales associates, not employees. The Disclaimer acts merely as a warning and may not be legally binding. State in your disclaimer that emails sent and received shall not create a binding contract or acceptance of an offer until the written contract is signed by all parties. How do you write a disclaimer for real estate? I thinkCandice A. Donofrio,Nina Hollander, & many other covered this one pretty well. , What is a California agency disclosure form? (Amended 1/04), REALTORS shall not solicit a listing which is currently listed exclusively with another broker. real estate disclaimer not intended to solicit californiamatthew judon sacks 2021. However, information received through a Multiple Listing Service or any other offer of cooperation may not be used to target clients of other REALTORS to whom such offers to provide services may be made. Income from and the value of the properties acquired may be adversely affected by the following factors: But as your last line suggests. Office About Roatan Real Estate 305-514-9378. (Adopted 1/98, Amended 1/10), Copyright 2018 Fredericksburg Area Association of Realtors | Designed by, Alert: Closing Delays in Westmoreland County, 2022 Real Estate Market Closes with High Prices, Declining Sales, FAAR Presents Orange County with Recognition for Broadband Achievement, November Housing Market Sees Plummeting Sales, Address: 2050 Gordon W. Shelton Boulevard, Fredericksburg VA 22401. There was no context here, so I called the number provided. , Can you share real estate listings on Facebook? Licensees should include a disclaimer in any documentation relating to online home value assessments. , Can property be sold as is in California? , Do I have to pay taxes on gains from selling my house in California? There may be some homes on market - and some under agreement, too. With over 16 years of award-winning experience, Scott Rowlands has been servicing the needs of buyers . ", "if your house is already listed..blah, blah, blah.". REALTORS shall not knowingly provide substantive services concerning a prospective transaction to prospects who are parties to exclusive representation agreements, except with the consent of the prospects exclusive representatives or at the direction of prospects. Browse my listings, look through my buyers and sellers resources, or contact me today at (905) 845 4267 to discuss your real estate needs! You should list specific risks while at the same time acknowledging that the list is not exhaustive. Disclaimer This website is not intended to solicit buyers or sellers currently under contract with a brokerage. does st martin parish have school tomorrow. Stepping inside from the private front porch you are greeted by an extra-large living room that is accented by a beautiful stack stone fireplace, plantation . Real Estate Solicitation Disclaimer. Again, this means that irrespective of the outcome, the author or website accepts no liability or responsibility for the consequences. You should include a disclaimer within your Terms of Use statement on your website or blog. Solicitation material means advertising, circulars, flyers, handbills, leaflets, posters, or other printed information. This website is not intended to solicit clients for real estate law, real estate litigation, or any other legal matter outside of New York State. The seller will check off pre-listed items that the property contains and include information on whether these items are broken or not. They can provide you with advice on disclaimers, so you can sleep soundly knowing you are protected. Realtor, Whispering Pines Realty 651-674-5999 No. We always place a disclaimer and advise to "Call Praful Thakkar to unsubscribe". Home Sale Capital Gains Exclusion - Section 121, 3. Compass is a real estate broker licensed by the state of California and abides by equal housing opportunity laws. And every year, the Dept of Real Estate would get a flood of complaints. ActiveRain, Inc. takes no responsibility for the content in these profiles, disclaimer - GCG Real Estate Disclaimer This memo is for internal use only by GCG Real Estate and it's affiliated companies, accredited investors and professional investors only. The same statute defines what constitutes an ad in this section as [any] materials designed to solicit the creation of a Business and Professions Code 37 professional relationship between the licensee and a consumer. (Cal. (Amended 1/04), REALTORS shall make any request for anticipated compensation from the seller/ landlord at first contact. (Amended 1/04)[listen], Article 16 is not intended to prohibit aggressive or innovative business practices which are otherwise ethical and does not prohibit disagreements with other REALTORS involving commission, fees, compensation or other forms of payment or expenses. The 4-year statute of limitations for breach of contract in California, Code of Civil Procedure 337 is a primary and critically important statute of limitation for all real estate sales, contracts and transactions, which potentially applies to every real estate transaction in California since all such transactions Aside from what you can't advertise, follow these basic rules of thumb: Only advertise listed properties with authorization from the listing agent. Dubai, Dubai, Address available on request Apartment for Sale - realtor.com. Heres an example of a copyright disclaimer: Anyone who intends to use the work of someone else without their direct permission may need to include a fair use disclaimer, which can prevent legal action from being taken against them. Our real estate Q&A site is a place where real estate professionals can ask their peers questions so we can all learn and grow as a community. Do the math. Bus. Real Estate Latest News in Real Estate Law | St. Petersburg, FL Montage Residences Palmetto Bluff TREAT PEOPLE THE WAY I WANT TO BE TREATED . Second, mail or other forms of written solicitation that are directed specifically to property owners identified through the mls, for sale or for rent signs. We are happy to work with them and cooperate fully. You may be able to cancel free of charge or by paying a cancellation fee. Also, in NC & SC the Fair Housing icon is required as is the brokerage logo/name. there is a standard disclaimer that states something that equates to: if your home is on the market, disregard the mailing. What you may NOT do, is screen shot or copy a photo into your social media platform an then draft your own post content. See my story below. These letters are a good way to reach out to customers personally. there are better message for responses that are not solicitations. (Video) The UGLY Housing Crash | Worst 29 Markets Falling Fast, (Video) Non-Distribution and Non-Solicitation Policy: California Employee Handbook Series, (Video) Having A Really Bad Day - What Im Doing Next, (Video) VIDA WEBINAR FULL PRESENTATION - ENGLISH Ver1, (Video) My Opinion on the DNC and No Solicitor signs, 1. Live In Luxury! It also wont withstand legal scrutiny if gross negligence is proven. The information contained, and the opinions expressed, in the blog article are not intended to be construed as investment advice.

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