Wealth Habits (Derastone LLC) is a wealth management firm run by Gabriel Kaplan, CPA. Disclaimer: All content written on Seeking Alpha by Derastone LLC dba Wealth Habits ("WH") is for informational and educational purposes only and should not be construed as a solicitation or recommendation to buy, sell, or hold any specific security or class of security. WH is not providing investment research reports. WH's opinions expressed herein address only select certain aspects of the companies mentioned and cannot be a substitute for comprehensive investment analysis. Any analysis presented herein is illustrative in nature, limited in scope, and is for discussion purposes only. The information upon which this material is based was obtained from sources believed to be reliable but has not been independently verified. Therefore, WH cannot guarantee its accuracy. Any opinions or estimates constitute the author's best judgment as of the date of publication and are subject to change without notice. Fixed income securities are subject to various risks including interest rate risk, credit risk, and market risk which could result in the total loss of the investment.