This Financial Disclaimer specifically addresses all investment related
products, publications, and services offered by the Companies as defined
in the Terms and Conditions. All business and income opportunities are
addressed by the Earnings Disclaimer
published on our website(s). Our privacy
policy and spam policy are available on our
website(s) as well.
GENERAL: The
material provided on these websites are for general informational
purposes only. No information on the websites are intended to be
investment, tax, accounting or legal advice, offer or solicitation of an
offer to sell or buy, or an endorsement, recommendation or sponsorship
of any company, security, or fund. You should not rely upon the
information on the website for purposes of transacting securities or
other investments. The Companies cannot and do not assess or guarantee
the suitability or profitability of any particular investment, or the
potential value of any investment or informational source. You bear
responsibility for your own investment research and decisions, and
should seek the advice of a qualified securities professional before
making any investment.
Price quotes on securities are at least 15 minutes old
and are not intended to convey timeliness or accuracy. When
U.S.
exchanges are not open, quotes are only current as of the close of the
last day of trading and are not guaranteed or implied to represent the
close price of the most recent trading day. Before selling or buying any
stock or other investment you should consult with a qualified broker or
other financial professional to verify pricing information.
To
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PERFORMANCE: The products and
services offered by Lifestyle Publishing (hereinafter referred to as "we") presents powerful investment
and personal financial management concepts used by the author to save
money and build wealth and income. The author
firmly believes these concepts can be used by the reader or member
(hereinafter referred to collectively as the "reader" or
"you") to improve the
reader’s financial situation and investment results. However, the
reader must understand that past
performance is no guarantee of future success, and there is no
guarantee that the investment concepts and techniques presented in the
books, courses, and/or associated services, will provide superior results to other
investment methods or prevent loss of principal. Contrary to what many
newsletters and financial pundits may claim, no system can work
perfectly at all times or in all markets, and no one has infallible
insight into the future for any investment. Products provided to save
the reader money should not be construed as "guaranteed" to
save the reader any specific amount of money; whereas many of the
techniques would logically save the reader money or reduce costs, actual
savings are entirely dependent on the reader's current financial
situation and spending habits.
RISK:
There
is risk in all types of investing. In fact, the concept of
“opportunity risk” demonstrates there is even risk in not
investing at all.
Opportunity
risk identifies the risk in selecting one investment that ends up
delivering lower returns on investment than another investment. It is
the sole responsibility of the reader to determine if each specific
concept or technique presented in our books, courses, and/or services
are appropriate for the
reader’s specific financial situation and level of understanding
before using said technique. Should the reader choose to use the
techniques and/or concepts presented in our books, courses, services,
and/or websites, the reader should follow guidelines of prudence
and only invest money the reader can afford to lose.
MARGIN
& LEVERAGE: Some of the concepts and
techniques employed in our books, courses, and services make use of margin and options
investing. All
investing that uses margin (i.e., a “loan” from your
brokerage firm)
and/or options (highly-leveraged derivative investments) is
risky. If you purchase options, there is the risk of losing 100%
of your investment in those options; if you sell uncovered options, your
risk is theoretically “unlimited”. Though the author indicates his
opinion on the level of risk of certain option techniques versus others
in this book, all option techniques involve substantial risk.
AGREEMENT:
Reading and/or applying the concepts and
techniques presented in our books, courses, services, and/or associated
website(s)
indicate (1) that you understand that all realms of investment involve
risk, (2) you accept sole responsibility for any and all actions you
take, and (3) you agree you will not hold the author, publisher, or any
third-party associated with the author and/or publisher of our books,
courses, services, and/or associated website(s) liable in any way. You also agree
the information presented herein is purely for informational and educational purposes,
contains no specific investment security recommendations, and is not
intended to make specific recommendations of investment or tax
techniques or specific securities for your specific financial situation.
You also agree that you understand and accept that past performance is
no guarantee of future success and there is no guarantee expressed or
implied that you will achieve superior investment results, or avoid
financial losses, by using the presented concepts and techniques over any other
specific investment opportunity. If you disagree with any of the above
information, you agree you will not apply the techniques and concepts
presented herein. Furthermore, identification of any specific security,
investment company, or brokerage firm shall not be construed as a
recommendation or endorsement by the author, publisher, or associated
third party; situations and services will undoubtedly change after our books,
courses, and services have been published, and the investor bears the sole responsibility
of assessing currency and validity of all information contained in this
book and/or associated website(s). Lifestyle Publishing DOES NOT RECOMMEND THE READER TRADE ANY SPECIFIC SECURITY
USED AS AN EXAMPLE in our books, courses, services, and/or associated
website(s).
CANCELLATION: You may
cancel any paid subscriptions you maintain with the Companies by
contacting the Companies via email by clicking the following link: rbstoker@comcast.com?Subject:CANCELLATION_REQUEST
The Companies will take action to cancel your subscription as soon as
possible. There will be no refunds for cancellation requests occurring
AFTER an automatic payment has been completed. If a cancellation request
is submitted and received by the Companies prior to an automatic
payment, the Companies will refund the payment upon your request. In
the case of the Millionaire Income Members Only web service, you
MUST maintain an active subscription to the Members Only newsletter to
get the new UserID and Password to maintain your access to the web
service. If you cancel your subscription to the Members Only
newsletter, your automatic subscription payments will NOT be
automatically terminated; you must contact the Companies at the
email link provided above (or log in to the payment processor's website)
to have your automatic subscription fees terminated.
This disclaimer applies to all products and services
offered by Lifestyle Publishing whether
provided for free or for payment made by you or any other user.
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