There is no cost to submit questions or posts, to respond to questions or posts or to look up past questions and answers. Many frequently asked questions about the are answered in our FAQs or help page. Mechanics of Money has not reviewed the posts, other than to try to remove obscene or profane posts reported to Mechanics of Money, on the Mechanics of Money Blog or the Mechanics of Money forums and the views expressed therein are those of the posters and do not necessarily reflect those of Mechanics of Money or it owners, managers, agents, partners, advertisers or affiliates. Mechanics of Money assumes no responsibility for the posts or the information contained therein, nor do they make any claims, promises or guarantees about the accuracy, suitability or completeness of any of the information in the posts. Use the information provided at your own risk. Nothing in any response, reply or other communication coming from or associated with this site is to be construed as tax, investment or legal advice. Investments fluctuate and they often decline in value. You must consult your advisors about your particular circumstances. The information coming from this site should be considered a first step in your researching your issues. Furthermore, pursuant to recently enacted Regulations, be advised that any information coming from or associated with this site is not to be used to avoid the imposition of tax penalties, interest or any other assessment. By posting or submitting material on the or the Mechanics of Money BBS, you grant Mechanics of Money a royalty-free, perpetual, irrevocable, non-exclusive right (including any moral rights) and license to use, reproduce, edit, modify, adapt, publish, translate, create derivative works from, distribute, communicate to the public, perform and display the submitted content (in whole or in part) worldwide and/or to incorporate it in other works in any form, media, or technology now known or later developed, for the full term of any rights that may exist in the content. You agree that you will not use Mechanics of Money to post any advertisement or other commercial message. You agree that you will not post any knowingly false, defamatory, inaccurate, abusive, harassing, obscene, sexually oriented or threatening message or material that is illegally invasive of another person’s privacy. Mechanics of Money will attempt to delete any inappropriate posts as quickly as possible; however, the submissions are generally posted in real-time and are typically not reviewed by Mechanics of Money or its editorial staff before they are posted to the site. You agree that you are solely responsible for anything you post on the or Mechanics of Money and that you agree to indemnify and hold harmless Mechanics of Money and its owners and employees and the participating financial advisors with respect to any claims based upon your posts/submissions to the or Mechanics of Money. You also agree that you understand that the financial advisors that participate in the network and the Mechanics of Money are not affiliated with, employed by or agents of Mechanics of Money, and that we make no representations as to the qualifications of any of the financial advisors who participate in the Mechanics of Money. Any listing, name, content, material of any finanical advisor or their firm found on this site does not constitute any endorsement, recommendation or referral of such advisors or firms. When deciding to hire any professional or firm you should do your own independent research and not solely rely on the materials found on this site. We try our best to ensure confidentiality and protect your privacy when you post questions on Mechanics of Money. Your personal information such as name, address, email address, phone, etc., are concealed from all users of the and Mechanics of Money, including member advisors (unless you provide such information in the body of your questions). Only the Mechanics of Money administrators have access to your personal information. However, because these are public forums, you must also understand that you might lose some privacy by posting your questions or answers on the or Mechanics of Money BBS. Although you can stay anonymous, your facts and your view of the facts may not remain a "secret" any longer. Please remember that no information found at this site, in the database, in the forums or in the responses from advisors in these areas can replace a face-to-face meeting or telephone consultation with a "real live" financial advisor about your particular case, problem or question. The information you find here or in the answers should just be a starting point in finding your answers. Nothing transmitted to or from this website constitutes the establishment of an advisor-client or attorney-client relationship between you or any advisor or attorney.