Copyright Notice

Copyright 2001-2002 The Paper Street Company All rights reserved.

All materials contained on this site are protected by United States copyright law and may not be reproduced, distributed, transmitted, displayed, published or broadcast without the prior written permission of The Paper Street Company.

You may not alter or remove any trademark, copyright or other notice from copies of the content. However, you may download material from the CommonSenseAdvice.com (one machine readable copy and one print copy per page) for your personal, noncommercial use only. For more information about reprinting articles from CommonSenseAdvice.com or linking to CommonSenseAdvice.com please email me here. The CSA logo is a service mark of The Paper Street Company. The names of other products and services referred to on the site may be the trademarks or service marks of their respective owners. You may not use any trademark or service mark appearing on CommonSenseAdvice.com without the prior written consent of the owner of the mark.

Disclaimer of Warranties and Liability
You expressly agree that use of CommonSenseAdvice.com is at your sole risk. CommonSenseAdvice.com is provided on an ‘as is’ and ‘as available’ basis. The Paper Street Company expressly disclaims all warranties of any kind, express or implied, including without limitation any warranty of merchantability, fitness for a particular purpose or non-infringement. The Paper Street Company makes no warranty that CommonSenseAdvice.com will meet your requirements, or that CommonSenseAdvice.com will be uninterrupted, timely, secure, or error free; nor does The Paper Street Company make any warranty as to the results that may be obtained from the use of CommonSenseAdvice.com.

The Paper Street Company will not be liable for any direct, consequential or incidental damages, whether foreseeable or not, which may result from the unavailability or malfunction of CommonSenseAdvice.com. You understand and agree that any material and/or data downloaded or otherwise obtained through the use of CommonSenseAdvice.com is at your own discretion and risk and that you will be solely responsible for any damage to your computer system or loss of data that results from the download of such material and/or data. You understand and agree that The Paper Street Company does not guarantee the accuracy or completeness of any information in or provided in connection with CommonSenseAdvice.com. The Paper Street Company is not responsible for any errors or omissions or for the results obtained from the use of such information. The information is provided with the understanding that neither The Paper Street Company nor its users, while such users are participating in CommonSenseAdvice.com, are engaged in rendering personalized investment, financial planning, accounting, legal, or other professional services or advice.

The Paper Street Company encourages you to seek advice from an appropriate personal finance and/or investment professional before making investment decisions. You understand and agree that presentation of any performance data is not meant to imply that similar results will be achieved in the future. Rather, past performance is no indication of future results and any assertion to the contrary is a federal offense. The data is provided merely for illustrative and discussion purposes. Performance data using a wide variety of time periods is provided. Rather than focusing on the specific time periods used or the results derived, the reader should focus instead on the underlying principles. You understand and agree that none of the material presented here is intended to serve as the basis for any financial decision, nor does any of the information contained within constitute an offer to buy or sell any security. Such an offer is made only by prospectus, which you should read carefully before investing or sending money. You understand and agree that the material presented is accurate to the best of our knowledge. However, performance data changes over time, and laws frequently change as well, and my advice could change accordingly. Therefore, the reader is encouraged to verify the status of such information before acting. You understand and agree that any resemblance to any person or persons, living or dead, is purely coincidental.

The Paper Street Company shall not be responsible for any loss or damage caused, or alleged to have been caused, directly or indirectly, by the information or ideas contained, suggested or referenced in this service. Your use of CommonSenseAdvice.com is solely at the your own risk. No advice or information, whether oral or written, obtained by you from The Paper Street Company or through CommonSenseAdvice.com shall create any warranty not expressly made herein. The Paper Street Company makes no warranty regarding any investments made or goods or services purchased or obtained through CommonSenseAdvice.com or any transactions entered into through CommonSenseAdvice.com. The Paper Street Company is not responsible for the content on the internet or world wide web pages outside The Paper Street Company sites. As a convenience to our subscribers, we may provide links to resources which are beyond our control. We make no representations as to the quality, suitability, functionality, or legality of any sites to which we may provide links, and you hereby waive any claim you might have against The Paper Street Company with respect to such sites. The Paper Street Company shall not be liable for any direct, indirect, incidental, special or consequential damages, resulting from the use or the inability to use CommonSenseAdvice.com or for the cost of procurement of substitute goods and services or resulting from any goods or services purchased or obtained or messages received or transactions entered into through CommonSenseAdvice.com or resulting from unauthorized access to or alteration of your transmissions or data, including but not limited to, damages for loss of profits, use, data or other intangible, even if The Paper Street Company has been advised of the possibility of such damages.