Privacy & Terms of Service

Anything on this website should not be considered financial/legal/insurance advice and/or planning. This site exists to provoke thought and community interaction/learning.  Your decisions are yours alone and I am in no way responsible for your actions. There’s some legal stuff around these topics below, but I just wanted to get that out of the way.  will never disclose or sell your email address or any of your data from this site.  I very much welcome posts and lively community interaction and wouldn’t want to mess that up.

Web Site Terms and Conditions of Use


By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.

Use License- Permission is granted to temporarily download one copy of the materials (information or software) on web site for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not: modify or copy the materials; use the materials for any commercial purpose, or for any public display (commercial or non-commercial); iii. attempt to decompile or reverse engineer any software contained on’s web site; remove any copyright or other proprietary notations from the materials; or transfer the materials to another person or “mirror” the materials on any other server.
This license shall automatically terminate if you violate any of these restrictions and may be terminated by at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
Disclaimer – The materials on’s web site are provided “as is”. makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
Limitations – In no event shall or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on’s Internet site, even if or a authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
Revisions and Errata- The materials appearing on’s web site could include technical, typographical, or photographic errors. does not warrant that any of the materials on its web site are accurate, complete, or current. may make changes to the materials contained on its web site at any time without notice. does not, however, make any commitment to update the materials.
Links – has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by of the site. Use of any such linked web site is at the user’s own risk.
Site Terms of Use Modifications may revise these terms of use for its web site at any time without notice. By using this web site you are agreeing to be bound by the then current version of these Terms and Conditions of Use.
Governing Law – Any claim relating to’s web site shall be governed by the laws of the State of Illinois without regard to its conflict of law provisions.
Legal Age – You may not use the Services and may not accept the Terms if 1) you are not of legal age to form a binding contract with or 2) you are a person barred from receiving the Services under the laws of the United States or other countries including the country in which you are resident or from which you use the Services.
General Terms and Conditions applicable to Use of a Web Site

Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.


Copyright, 2016. is not associated, endorsed or authorized by the Social Security Administration, the Department of Health and Human Services or the Center for Medicare and Medicaid Services (CMS).  Any advice or opinions expressed are strictly those of the author.  Although has made every effort to ensure the contents of this publication are correct and complete, cannot be responsible for the accuracy of information contained herein. Information contained in this site is general in nature. It is not meant to replace or be used in addition to the advice of healthcare, insurance, financial planning, accounting or legal professionals.

The products/and or services descriptions, if any, provided on this are not intended to constitute offers to sell or solicitations in connection with any product or service. Links to various other Websites from this site are provided for your convenience only and do not constitute or imply endorsement by disclaims responsibility for the content and accuracy for products or services described on these sites, or of any other material contained therein.

Information on this Website may contain inaccuracies or errors. Information may be changed or updated without notice. only provides periodic updates to this site; therefore any information presented may be out of date.  Are you still reading?  Wow!  Impressive.

All questions, answers, groups and debates on are written by users of the community. The people who provide the content are not experts and makes no claims and offers no guarantees whatsoever as to the accuracy of any information given. You use and all associated sites at your own risk and cannot accept responsibility for any inaccurate or misleading information given in questions, answers or other content. In particular, you are warned that advice given in one country, state or county may not be applicable in another. It is your responsibility to decide how far, if at all, any advice you receive is applicable in the country, state or county where you wish to use it. By asking a question or posting other content, you agree not to hold, its members, employees or representatives responsible for any loss, damage or other consequences resulting to you from acting on advice or other information seen on Opinions expressed on the site are those of individuals and do not reflect those of

The above applies to all areas of and also specifically disclaims responsibility in the following areas:

Health Information

Any advice relating to health or medical matters reflects the private opinion of the person giving this advice. It is not medical advice and claim no medical authority or expertise whatsoever; this also applies to herbal and other alternative treatments, and dietary, fitness and nutrition-related advice of all kinds. takes no responsibility for any consequences resulting from following such advice. Anyone seeking health and/or medical advice is strongly advised to consult a qualified professional regardless of what he/she may read on  Do not disregard medical opinion or make any changes to your healthcare based on what you may read on this site. You are solely responsible for all decisions you make regarding your healthcare.

Financial Information

Any advice relating to finance, investments, stocks, companies, securities or any other financial matters whatsoever reflects the private opinion of the person giving this advice. It is not the advice of a financial, investment or other expert and, its employees and representatives take no responsibility for any consequences resulting from following such advice. Anyone seeking financial and/or investment advice is strongly advised to conduct their own research or consult a professional financial advisor. Do not disregard professional financial opinion or make any financial decisions based on what you may read on You are solely responsible for any investment or other finance-related decisions you make.

Legal Information

Any advice relating to legal matters reflects the private opinion of the person giving this advice. It is not the advice of a lawyer or legal expert of any kind, and its employees and representatives take no responsibility for any consequences resulting from following such advice. Anyone seeking legal advice is strongly advised to consult a professional legal advisor qualified in the appropriate field. Do not disregard professional legal opinion or make any legal decisions based on what you may read on You are solely responsible for any legal decisions you make.

Our website may contain affiliate marketing links, which means we may get paid commission on sales of those products or services we write about. Our editorial content is not influenced by advertisers or affiliate partnerships. This disclosure is provided in accordance with the Federal Trade Commission’s 16 CFR § 255.5: Guides Concerning the Use of Endorsements and Testimonials in Advertising.