I am CamMi Pham, and this is my personal blog written and edited by me. I write to share my personal experiences, exchange ideas and meet like minded people. This blog is not my primarily financially driven.

Information in this blog is my personal opinions. Please note that information on this blog maybe updated and changed without notice.

Beginning December 1, 2009, the Federal Trade Commission (FTC) requires bloggers to provide disclosures whenever there could be hidden interests are unspoken biases related to recommendation.

I am a global citizen, everywhere is my home. FTC only has power in the US but these rules might spread over the world anytime. I believe that every opinion is biased because everyone comes from a different background and draws on different life experiences. To prepare for the future, I decide to add disclosure policy page to my blog to outline my relationship with readers and advertisers.

For every recommendation, link and product I use, please assume the following:

If I get paid to recommend something or use a product, it does NOT mean I will give you or your company a positive review, blog post or endorsement. As a matter of fact, chances are pretty high that I might slam you.

If you comment or email me; I have the right to republish and/or modify your submissions in any online/printed form.

If you have any questions, feel free to contact me info@cammipham.com

This disclosure policy is strongly influenced by John Chow and Tim Ferriss.

[Illustrations courtesy of Louis Gray and Jeannine Schafer]