Legal Disclaimer

The opinions, insights and information presented in this blog are purposefully not related to my profession. I do not provide advice. My thoughts, beliefs and the financial perspectives discussed in this blog and on this site are not meant to provide answers or legal/financial advice, but to establish thoughtful dialogue for your consideration. Please contact a licensed financial advisor or Certified Financial PlannerTM for help with personal finance and investment questions. I will not suggest the purchase of financial products or try to sell you anything on this blog. The contents of this blog and site are purely my opinions and only my opinions. Nothing on this blog is intended to malign any religion, ethnic group, club, organization, company or individual.

This blog is for educational and informational purposes only. Although insights, perspectives and ideas in this blog and on this site may involve financial or legal topics and issues, they are not intended to constitute the practice of law, legal, financial or investment advice. Readers should not act or rely on anything discussed in this blog without first consulting a licensed professional who is qualified to provide an informed opinion based on a clear understanding of an individual’s specific situation and circumstances. Readers who act or make decisions based solely on the information in this blog (without talking first with a qualified and licensed professional), do so at their own risk. All readers agree that I, Michael Babikian, have no liability for a reader’s actions, inactions, reliance on and/or decisions made in response to any blog or posting on this site.

Similarly, while I attempt to provide accurate information in links and other references in this blog and site, I cannot guarantee the accuracy of any posting and/or the information that others post here.

If I post links to other websites, please remember that those websites are not under my control. Therefore, I disclaim any responsibility for the content or conduct of any website linked to. I am not liable for any third-party links, and readers must consider the information from third-party links carefully and at their own risk.

Permissions

I own the content on this site, and it is copyrighted in my name. Although I would like my content widely distributed, I want to protect my intellectual property rights. I appreciate your cooperation.

You are free to do the following without my permission:

  • Link to my site or any specific post on my site.

  • Extract and re-post 200 words or less from any specific blog or posting, provided you link back to my original post.

  • Print my posts in any non-commercial publication (e.g., company newsletter, church newsletter, class syllabus, etc.), provided you include this copyright notice: “© 2013, Michael Babikian. All rights reserved. Originally published at http://michaelbabikian.com.”

You must have my written consent to do any of the following:

  • Use this content for commercial purposes, including selling or licensing printed or digital versions of my content.

  • Alter, transform, or build upon anything posted by me on this blog or site.

I do not permit the re-posting of my posts in their entirety. This is because Google penalizes websites for publishing duplicate content.

Privacy

This blog and site does not share personal information with third parties. We do not store any information about your visit other than to analyze and optimize your content and reading experience through the use of cookies.

You can turn off the use of cookies at anytime by changing your specific browser settings.

We are not responsible for republished content from this blog on other blogs or websites without our permission.

This privacy provision is subject to change without notice.

Comments

By posting any comments, posts or other material on my blog or site, you give me the irrevocable right to reproduce, distribute, publish, display, edit, modify, create derivative works from and otherwise use your submission for any purpose in any form and on any media. You also agree that you will not:

  1. Post material that infringes on the rights of any third party, including intellectual property, privacy or publicity rights.

  2. Post material that is unlawful, obscene, defamatory, threatening, harassing, abusive, slanderous, hateful, or embarrassing to any other person or entity as determined by me in my discretion.

  3. Post advertisements or solicitations of business.

  4. Post chain letters or pyramid schemes.

  5. Impersonate another person.

  6. Allow any other person or entity to use your identification for posting or viewing comments.

  7. Post the same note more than once or “spam.”

I reserve the right (but am not obligated) to do any or all of the following:

  1. Remove communications that are abusive, illegal or disruptive, or that otherwise fail to conform to these terms and conditions.

  2. Terminate your access to the blog in the event you breach these terms and conditions.

  3. Edit or delete any communications posted on this site, regardless of whether such communications violate these terms and conditions.

Finally, you agree that you will indemnify me against any damages, losses, liabilities, judgments, costs or expenses (including reasonable attorneys’ fees and costs) arising out of a claim by a third party relating to any material you have posted or your use of this site.