Effective Dec. 1, 2009, a new FTC ruling requires that I convey this disclosure to you since I am an Internet Marketer, working on commission basis.   I am an affiliate to some of the companies I link to on this site, however, I have not been given free products or been paid for any reviews.  While I do receive commissions from those companies, I carefully select any company I link to and I believe them to be in full compliance with FTC laws.  Disclaimer: Any responsibilities and liabilities in/re the products and companies I link to are the sole responsibilities of those companies.