Privacy Policy

This site explicitly collects only opt-in e-mail addresses and names. No personally identifying information is collected about you except when you specifically and knowingly provide it. We use e-mail addresses and names to contact you periodically with information you have requested related to the content on this site. You may unsubscribe from our e-mail list at any time using the link at the bottom of every e-mail we send. We value our own privacy and that of our users. Our intention and policy is never to release any personally identifying information to any outside organization, except in the event of the sale of our business to another party. We never share, rent, or sell e-mail addresses or other specific, personal information about our users. Due to errors or omissions, we cannot guarantee that personally identifying information will never be disclosed. Also, certain services used by this site may collect additional information, which is disclosed in their respective privacy policies. Cookies may be used to store your personal preferences. Also, third parties may place and read cookies on your browser, or use web beacons to collect information as a result of ad serving on this website. If you choose to turn off or disable cookies, that may affect how you are able to interact with this site. Note that we allow third parties to perform data analytics on user data and serve ads utilizing the user data.

We use Clicky Web Analytics to log and analyze the traffic to our web site. You may review Clicky’s privacy policy here. A “Unique ID” tracking cookie is used for the “legitimate purpose” of identifying unique visitors, but otherwise no “personal data” is logged.


The content here contains personal opinions of the author regarding financial and economic matters. It is for educational purposes only. The publisher and author do not imply or intend any guarantee of accuracy. The information here is not necessarily suitable for every individual: use it at your own risk. No guarantees are made that you will achieve results similar to those described here, or any specific results whatsoever from using the concepts and approaches discussed. No guarantees are implied or expressed. Though reasonable effort has been taken to make this material as useful as possible, there may be typographical mistakes or errors in the content. Neither the author nor the publisher is engaged in rendering professional services including, but not limited to, accounting, tax, legal, or investment planning. This information is not intended as a substitute for such professional services. If specific advice is needed or appropriate, the reader should seek out and engage a licensed professional. The author and publisher specifically disclaim any liability, loss or risk taken by readers who directly or indirectly act on this information. You are solely responsible for your own decisions and actions, and their results.

No Warranty/Liability

The publisher and author provide no warranty or guarantee as to the completeness, accuracy, or timeliness of information contained on this site. By using this site, you explicitly agree not to hold the publisher or author liable in any way for any damages arising, or alleged to have arisen, from decisions you made based on information made available here. The content on this site, is provided “as is” and “as available” and without representations or warranties of any kind, either express or implied. To the fullest extent permissible by applicable law, the publisher and author disclaim all warranties, express, implied or statutory. The publisher and author will not be liable for any damages of any kind, resulting from the use of, or inability to use, this site.

External Links

This site contains links to other sites located throughout the Internet. We do not control or endorse other web sites, and we have not necessarily reviewed or approved any material on other sites. We make no guarantees as to their accuracy, timeliness, or completeness. You acknowledge and agree that we are not responsible for the legality or accuracy of any content, products or services located on any other web sites, or for any loss or damages caused, or alleged to have been caused, by the use of or reliance on any such content, without limitation.


As stated in the footer on every page, all the content on this site is copyrighted material. Please do not modify, copy, forward or post it in any way without permission of the author or publisher. If you wish to share the content with others, please point them to the site itself. Thank you.

User Postings

This site may host blog comments, message boards, or forums and so must redistribute content that is posted by users. Therefore you must grant us certain rights over any such content you post. By transmitting to us, or posting anywhere on the site, information including but not limited to creative ideas, suggestions, comments, and proposals, you agree to grant us a worldwide, non-exclusive, assignable, royalty-free, irrevocable, and perpetual, right to use, reproduce, display, distribute, or sell such content in any media, for any purpose, without compensation. None of the content disclosed in blog comments, message boards, or forums shall be subject to any obligation on our part, whether of attribution, confidentiality, or other. Further, we shall not be liable for any use or disclosure of any content.

Affiliate Links

Disclosure: Some links on this site, like the Amazon and Pralana links, may be affiliate links. As an affiliate we earn from qualifying purchases. If you click on one of these links and buy from the affiliated company, then we receive some compensation. The income helps to keep this blog going. Affiliate links do not increase your cost, and we only use them for products or services that we're familiar with and that we feel may deliver value to you. By contrast, we have limited control over most of the display ads on this site. Though we do attempt to block objectionable content. Buyer beware.