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(1) The content of this web page has been composed thoroughly. However I cannot accept responsibility for completeness or validity.

(2) All information provided on this web page represents my personal opinion and is not intended as any kind of advice. It shall inform you, but never be your only source of information. Please regard further sources of information and always verify the information presented on this web page.

(3) No information on this web page serves the purpose of investment consultancy. You will never get any kind of investment advice on this web page. No information on this web page is intended as any kind of investment advice.

(4) I do not take on a responsibility for decisions you make based on the informations of this web page. You are self-responsible for your investment decisions and all consequences arising therefrom.

(5) Every mention of securities on this web page serve as information only. No mention of securities on this web page is any kind of investment advice.

(6) No tax related information on this web page is tax advice. It is for your information only. I composed the information thoroughly. However it can be incomplete, outdated or faulty. It is your own responsibility to fulfill your tax liability. In case of doubt consult your tax advisor.