All content on this site is based on my (Mark Tosczak’s) opinions, views and assessments unless otherwise indicated through attribution or citation. Content does not necessarily reflect the views of my clients, friends, family, business associates or others. Information on other sites linked to is the responsibility of the person or people running those sites. Comments made by others on the site reflect their, and only their, opinions and views. Allowing those comments on this site does not mean I necessarily condone, agree or support those opinions or views.


I strive to make the factual content here as reliable, useful and true as I can make it, given limited time and resources. You must do your own research and make your judgments about whether the advice, ideas and information provided here is useful and reliable. Any actions you take based on content or information on this site are entirely your responsibility.

Affiliate Disclosure

Some links on this website may be affiliate links. That means if you click on them and make a purchase, I may be paid a commission. The affiliate relationship generally does not increase the price of your purchase. I only use affiliate links when I have a reasonable belief that a product or service may be worthwhile. However, you must still make your own determination as to the value and reliability of any products or services linked to from this website. Typically I will disclose affiliate relationships in the same post or on the same page as the affiliate link appears. Sometimes this may take the form of the word “affiliate link” near the link in question, sometimes it may take the form of a disclosure applied to the entire post or page.

As an Amazon Associate I earn from qualifying purchases.

Comment Policy

I encourage comments on blog posts. However, I will not tolerate spam or hate speech. This is my website and I retain complete discretion as to what comments to approve or not approve. I also retain the right to remove or alter comments after they are posted. I welcome open, civil, respectful dialogue. Please seek to make a positive contribution to the conversation with your comments.

Last updated: April 29, 2018