Full Disclaimer

Please read the following disclaimer and all terms stated on this Full Disclaimer page thoroughly before using this website.

This disclaimer governs your use of ThrivingIntoRetirement.com. By accessing and using this website, you accept this disclaimer in its entirety. If there are any terms stated herein, or any part of this Full Disclaimer, with which you disagree, do not use ThrivingIntoRetirement.com. Also refrain from following links to any of the affiliated websites provided anywhere within this site.

We reserve the right to change the terms stated in this Full Disclaimer at any time and without notice. Consequently, we recommend that you refer back to this Full Disclosure regularly to confirm that you still accept this disclaimer. By continuing to use ThrivingIntoRetirement.com after these terms have changed, you agree to accept these changes. In all cases, using this website means you consent to these terms, whether in their original form or after being changed, regardless of whether or not you have read them in their entirety.

ThrivingIntoRetirement.com (hereafter referred to as the "Website") is owned and operated by Thriving Into Retirement, LLC. These Terms of Use (hereafter referred to as the "Agreement") refer to any use or access of the Website and any content herein. This Agreement also pertains to all associated sites. By using this Website, you signify your acceptance of this Agreement. If you do not accept this Agreement, do not use the Website.

Everything you read in the Website, as well as any actions you take based on the information provided in the Website, are subject to this Agreement. You are reading content within the Website of your own freewill. If you follow a link, use any content as a recommendation, or otherwise consume content, you do so as your own personal choice and at your own risk.

Any and all information and resources found on the Website represent the opinions of the author unless otherwise noted. All information provided in the Website is intended either for entertainment or educational purposes, or to inspire readers to take appropriate action to try to achieve their desired results. There is no guarantee, implied or otherwise, that the reader will achieve their desired results or the same results expressed by the author. Although some content may appear to be stated as a recommendation, nothing stated or implied should be taken as a recommendation nor a guarantee of results. There is no substitute for common sense and personal responsibility.

The author of the Website strongly encourages the reader to consult a physician or other licensed medical practitioner before making any health, exercise, or dietary changes, or before following any content in the Website that may appear to suggest health, exercise, or dietary changes. Similarly, the author of the Website encourages the reader to consult a licensed financial professional before making any new investments or other financial changes, or before following any content in the Website that may appear to suggest making any new investments or other financial changes. This same encouragement applies to any content that appears to suggest making any changes in your life--consult an appropriate, licensed professional in that field.

Whenever a blogger could potentially be biased due to a financial interest in products or services about which s/he is writing, the Federal Trade Commission (FTC) requires that the blogger disclose that financial interest. This makes it clear that a blogger's recommendations and/or opinions may be financially motivated.

Since it is both personally and professionally important to me to build trust in all my relationships, including that of blogger and reader, I wanted to explain this anyway, regardless of any federal regulation. In the spirit of transparency, I want to inform you that there are elements of ThrivingIntoRetirement.com that are monetized. Many businesses exist to provide value to the consumer, and in exchange for that value, consumers typically pay a fair and reasonable amount in return. While there are no fees associated with using ThrivingIntoRetirement.com, the Website may be monetized by a combination of affiliate links, which I explain in the next section, and advertisers.

If you follow an advertising link, and/or otherwise purchase a product or service from one of our advertisers, ThrivingIntoRetirement.com cannot be held liable for any issues you may encounter with that company or its products and services. We also do not warrant, nor can we support or service, any such products or services.

I am required to inform you--but again, I would state this anyway in the spirit of transparency--that ThrivingIntoRetirement.com contains affiliate links. What this means is that if you follow a link on this site and then purchase a product or service from that company's Website (from within that link), it is possible that ThrivingIntoRetirement.com may receive a small commission for referring you to their site. The price of the product or service is the same for you--or sometimes better--whether or not you purchase it through one of these links. Also, there is no cost to you for simply following the link.

Think of this as a nice way of supporting a business that is adding value to your life without having to pay anything more out of your pocket than than the cost of the product or service you may have purchased anyway. And besides, supporting a useful business, any commissions received will help keep this site up and running, enabling us to continue to provide meaningful content.

While not every link on this site is an affiliate link, it is safest to assume that any link you follow within ThrivingIntoRetirement.com could be an affiliate link.

For example, if I review a book that I found particularly helpful, somewhere in that product review, I may include a link to Amazon.com to make it easy for you to purchase the book for yourself. If you do that, ThrivingIntoRetirement.com will receive a tiny commission for that--again, at no additional cost to you. Speaking of Amazon.com, since I am a member of the Amazon affiliate program, I am required to include this statement:  “As an Amazon Associate I earn from qualifying purchases.”

It is also worth noting that I will only provide affiliate links to products and services I feel confident endorsing because my own experience with that product or service has been positive. To revisit the previous example, if I review a book that did not meet my expectations, I will not provide an affiliate link to that book. Even though ThrivingIntoRetirement.com is a business, one of the primary drivers for the business is to help people, and it is most decidedly NOT helpful to peddle crappy goods and services just to try to make a few cents. My first priority for this business is and will always be to provide you resources to enable you to set yourself up for an awesome retirement.

One slight exception to the guideline that I will only provide affiliate links to products and services with which I have experience might be when I have done considerable research to prepare for purchasing a product or service, but for a variety of reasons, am unable to do so right away. For example, if I have researched which two theme parks in Orlando, FL, I intend to visit when I go there later this year, I may articulate my reasons for the decisions I have made. If it is possible to provide an affiliate link associated with my selections, I may do so. If this is the case, I will clearly state that this decision is based on my research and not (yet) from my direct experience. And of course, after the trip, I may write about it in the travel blog and, if I am happy with the selections I made, include an affiliate link.

Unless stated otherwise, all content contained within ThrivingIntoRetirement.com is Copyright © 2021 by Thriving Into Retirement, LLC. You may not republish, reprint, or reuse any posts, articles, photographs, audio, video, or other content (including the text found within this Full Disclosure page) without express written consent from Thriving Into Retirement, LLC. Please contact me at Dave@ThrivingIntoRetirement.com to request permission to reuse any content. Note that conditions of reusing content will include attribution and leaving all links intact.

This Website uses cookies to enable the pages to load quicker, and potentially to serve ads. We will keep any information we collect about you private. We will not sell your email address, nor will we put you into an email list you did not opt into. If you inadvertently opted into our email list, you will always have the option to unsubscribe.

However, we cannot control, nor are we responsible for, the privacy practices of anyone who may be associated with this Website, including (but not limited to) other readers, companies with which we have an affiliate marketing relationship, other partners or advertisers.

We cherish community at ThrivingIntoRetirement.com. Like any healthy community, all are entitled to their opinions, and we encourage you to share yours with us via comments. To keep the community healthy and respectful, we ask that you abide by the guidelines listed in this Comment Policy. As such, we reserve the right to delete comments that fail to comply, and further to ban the author from posting any further comments.

First, start with kindness. You don't have to agree with me or other commenters, but you also don't have to be a turd about your disagreement. Don't be offensive or rude, and don't disparage me or anyone else in your comments for any reason, including age, gender, race/ethnicity, religion, country of origin, sexual orientation, or political affiliation.

Also, please use common sense. Don't include comments that do not pertain to the topic at hand. Don't include links trying to sell stuff. Don't include lewd or other inappropriate content. Don't include spam or anything else obnoxious like that.

And to keep anyone from hiding bad behavior behind anonymity (an existential threat to civil discourse), please use your real FIRST name (only) and a real email address when submitting your comment. If you don't do this it may not even make it to me, and even if it does, I will most likely delete it without responding.