Financial Disclaimer


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.

GENERALThe 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 access any paid portions of these websites, including but not limited to the "Members Only" portion located in the "members" sub-directory, you must be or become a member. When and if you register to become a member, you agree to (a) provide accurate, current, and complete information about yourself as prompted by the appropriate registration form, and (b) to maintain and update your information to keep it accurate, current, and complete. You acknowledge that, if any information provided by you is untrue, inaccurate, not current, or incomplete, we reserve the right to terminate this Agreement and your use of the Site.

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: 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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