It's funny that we're forced to say "in my opinion" and "this is not financial advice"... As in my case, I'm always saying my Theory this and my Theory that... In other words... We don't "really" have free speech in certain areas, unless we have a Licence, a Degree or Both ...???
I suppose lying is illegal, or is it only illegal under Oath...??? Perhaps my next post should be Titled... "In my Opinion"... Anyway, "in my opinion" I think you're right... lol...
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I think it is a way of reminding folks that they need to make their own informed decision. Once you have a following of subscribers that believe in you, they can stop thinking for themselves, stop doing the research for themselves and just trust the person putting out the information and that's all good as long as everything goes the right way. But, if it goes south, then those same folks will not take responsibility for their own actions and get upset! Not everyone fits into this category but unfortunately there is quite a descent percentage that does! I guess I use those phrases to always remind folks to do their own research and make their own informed decisions. At least were not being censored putting out this information! That's a good thing! Also, "In my opinion," your comment is spot on:-)