I am no financial analyst and I do not work for a financial company. I am a rather small, independent ‘investor’ which tries to build his portfolio. I hope I am wise enough in my investments so that my pension time will be without financial woes… and perhaps will come also earlier : ). I tend to invest in companies with business models that I understand. And although I do read the analysis and ideas from financial analyst, at the end of the day I am taking my own decision. That is why at the end there are subjective decisions based on my own judgment.