Important Legal Information

Privacy Policy

Personal Information Collected on this Website

No personally-identifiable information is collected on this website from persons that browse our website. The only personally-identifiable information collected on this website is gathered in our comment area and on specified sign up forms, where fields are provided so that you can provide your name and email address to leave a comment or receive a download, newsletter or other emails on updates, giveaways, or other offers. We collect this information so that we can respond to the comments or questions that you post.

Anonymous Information Collected on this Website

We record anonymous data. Most of the information that we collect from this website is anonymous information, such as the pages you visit. Other anonymous data we may collect might include the name of your internet service provider, the website that you used to link to our site, other interests you have, basic demographic information, the websites that you visit from our site, and your IP address. The data is used for statistical purposes only, but you, as the individual user, remain anonymous. We use this anonymous information to help improve the content of this site and to compile aggregate statistics about individuals using our site for internal market research purposes.


This website is for informational purposes only.  Personal finance is…personal.  Every situation is different and it is up to you to make your own choices.

All information on this site is subject to change without notice.  The completeness and accuracy of the content on is not guaranteed.  The founder, author(s) or any individual or business affiliated with this site, cannot and will not be held liable for the use of any content on this blog.

All materials on this site including but not limited to text, graphics, downloads, data, etc. are owned by and cannot be duplicated without explicit written consent.

Any materials downloaded or otherwise obtained through this site are done at your own risk. You are solely responsible for any damage to your computer system and impact on data that results from such download.

Some businesses discussed on may compensate through advertising, affiliate programs or other means.  You are not obligated to follow links found on this site or to do business with these companies. You should independently research any business you choose to patronize.  This site will not be held responsible for any company that you work with or any actions by those companies.

By using this site, you agree to indemnify, defend and hold harmless, its officers, directors, employees, from and against all claims, liabilities or expenses arising out of or related to your improper access to or use of this site, or any violation by you of the terms of use.

This website contains links to affiliate and other websites. Our site does not claim nor accept responsibility for any privacy policies, practices and/or procedures of other such websites. Therefore, we encourage all users and visitors to be aware when they leave our website and to read the privacy statements of each and every website that collects personally identifiable information. The aforementioned Privacy Policy agreement applies only and solely to the information collected by our website.


Nothing on this website or downloads available are to be construed as creating a client relationship. The author is not liable for any losses or damages related to actions or failure to act related to the content in this website. If you need specific advice consult with an accountant, attorney or investment professional who specializes in your subject matter and jurisdiction.

Nothing on this site should be considered individual investment advice.  You and you alone are responsible for your investments.  Before investing, consider the investment objectives, risks, charges and expenses.  The projections or other information on this site are hypothetical in nature, and do not reflect or guarantee actual investment results.  Results may vary.  Please consult a qualified investment advisor and understand the risks before investing.