Legal Disclaimer

It is my duty to inform the reader of this book that I am not a financial or investment professional; nor do I claim to be an expert on the topics covered in this book.  I am merely a business instructor who has become passionate and somewhat knowledgeable about the subject of investing.  I have spent a considerable amount of time carefully researching the world of investing.  Although I have taken, to the best of my ability, every measure possible to ensure that the information, facts, and explanations presented in this book are valid, accurate, and reliable, it is possible that there may be errors, omissions, or mistakes of either a typographical nature or within the content itself.  Consequently, the reader is advised to seek professional advice before proceeding with any important financial, legal, tax-related, or investment-related decisions or activities. 

Throughout the book I provide the reader with various examples, concepts, and guidelines; keep in mind that these are for illustrative purposes only and they are not meant to imply or guarantee that you will obtain the same level of success or similar rates of return.  All investment products and strategies carry varying levels of risk. 

This book also presents and recommends the use of various financial, tax-related, and investment-related calculators found on the Internet.  The author cannot guarantee the accuracy of the results these calculators provide nor the extent to which they are up-to-date.   It is always preferable, when possible, for the user to make manual computations in order to compare and validate results.  Alternatively, the user can ask a professional in the related or respective field to verify and validate the results.  It is also the responsibility of the user to read and accept the conditions and terms of use before using online calculators.

For full disclosure, I (Dan Fournier) must inform the reader that I may currently own or have previously owned, some of the securities mentioned in this book.  With the exception of having personal bank and brokerage accounts with a few of the parties listed in this book, I assure you that, at the time this book was first published, I had no business, professional, marketing, or investment relationships with any other parties (i.e., companies, banks, brokerages, associations, organizations, or media) mentioned in this book.  If I develop any relationships with parties mentioned in this book after its initial publication date, I will readily disclose them on the website for this book at http://TheYoungInvestor.net.  I needed to obtain the permission of certain parties in order to include screenshots (figures) of their calculators or display the text of their articles; but in all these cases, I was the one who initiated contact with each respective party.  On no occasion did any of these parties contact me first to have their material included in my book.  Furthermore, I alone decided which weblinks and recommended resources (listed in Appendix A) would be included in this book.  As an educator and author, I value the principle that one who provides information to the public has the responsibility to do so in an unbiased and independent manner; only then can the information provider maintain a respectable level of integrity and obtain the trust and respect of an audience.

The author (Dan Fournier) and the publishers (Trafford Publishing and HorusEye) shall have no responsibility or liability to any person or legal entity with respect to any loss or damage caused, or alleged to have been caused, by the material or advice presented in this book.  By reading this book you fully accept these conditions.