Some of the products sold on this website are products of my own creation, some are products created by others but which I own the rights to and which may include my own edits and additions, and some are products created by others to which I do not own the rights except the right to promote and sell them, for which I receive a commission: these are “affiliate products.” This means if you click on the link and purchase the item, I will receive a commission. Your cost will be the same as if you order directly.

I only recommend products or services I use personally and believe will add value to my readers.

This site may contain affiliate links to Amazon products and/or may generate revenue if any visitor clicks on advertisements presented by Google Adsense or any other contextual advertising program. Affiliate links from sites like Clickbank or Sharesale or any other websites may be present and the site owner may earn commissions by recommending products on this website. This disclosure is in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”

All products and services by my company are for educational and informational purposes only. Use caution and seek the advice of qualified professionals – your accountant, lawyer or professional advisor – before acting on this or any information.

Users of my products, services and website are advised to do their own due diligence when it comes to making business decisions, and all information, products and services that have been provided should be independently verified by yourself and/or your own qualified professionals.

My information, products and services on this website should be carefully considered and evaluated before reaching a business decision on whether to rely on them.

All disclosures and disclaimers made herein or on my site apply equally to any offers, prizes or incentives that may be made by my company.

You agree that my company is not responsible for the success or failure of your business decisions relating to any information presented by my company or my company products or services.