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Raylosophy is not a registered financial advisor nor a CPA. The stock ideas and information provided by this site (raylosophy.com) and its newsletter are provided for educational purposes only.

Trading and investing involves risk of loss and may not be suitable for everyone. Only trade or invest with money you can afford to lose. There is no guarantee that you will profit from your trading or investing.

Lastly, you should always do your own due diligence, and seek the counsel of a certified financial advisor before making any financial decisions. Raylosoophy/Ray Smith is simply sharing opinion—with no guarantee of gains or loss of investments.