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By accessing our content, you agree to the following.

You agree that investing, trading, speculating, and similar ventures are inherently risky and may result in substantial losses.

For instance, you know that the U.S. stock market declined by more than 80% shortly after its 1929 high and that larger (and more permanent) losses are possible when investing in all sorts of securities.

Furthermore, you recognize that even seemingly safe securities, like government bonds, have been known to result in very substantial, or even complete, losses.

On the other hand, short selling, or otherwise betting on declines (or other disasters), may not be profitable and could also result in substantial losses.

Investing using borrowed money, leverage, margin, derivatives, or similar methods can result in crushing losses that may exceed the initial amount of money invested. The use of such methods can be particularly dangerous.

The world is risky, the future is inherently uncertain, and life is not fair. You've been warned.

Even worse, betting on such risks and uncertainties (be they from volatility, valuation, or some other source) is itself subject to error and potential loss.

You agree to bear full responsibility for your own investment research and decisions. You agree that Norman Rothery, as well as related persons and information providers, will under no circumstances be liable to you (or any other party) for any damages, injuries, or losses of any kind resulting from your use of any of the information, tools, software, or other media we present.

The information contained in any of our websites, publications, other communications (be they in print, online, or some other form of media) and our work published or presented by third parties {collectively referred to as "content" herein} is obtained from sources believed to be reliable, but we can not represent that it is accurate or complete.

You agree that the content is presented "as is" and with the explicit understanding that its publisher, writers, creators, or related-parties can not be held responsible for any errors or omissions.

From time to time we will make predictions, forecasts, or otherwise talk about future events in the content, in other media, or by other means. Such events may, or may not, come to pass. Indeed, we do not know what the future will bring and more than a few of our predictions have been wrong in the past. You agree that the future is inherently uncertain.

Neither the information nor any opinion expressed in the content constitutes a solicitation by us for the purchase or sale of any securities or commodities.

It is not our intention to provide advice with regard to the buying or selling of any security. Any information contained in the content should not be taken as such.

The publisher or contributors may, at times, have positions in mentioned investments or securities.

Any information obtained from the content that is used as part of any decision with regard to the buying, selling, or holding of any security should be thoroughly reviewed with a qualified investment professional.

Individual securities may not be appropriate for some, or even most, investors. Before any decision with regard to any security is made it should be throughly reviewed by a competent registered investment adviser. Talk with your registered investment adviser, in detail, about your current and any planned investments.

All of the articles, videos, software, files, spreadsheets, or other material in the content is presented 'as is' and is in no way guaranteed for completeness, accuracy, or in any other way. Nor is it guaranteed to be virus free or free from any other defect.

Web sites, and other sources, accessed via hypertext link or other means from the content have, unless otherwise indicated, been independently developed by third parties. We, and related parties, do not warrant the accuracy or completeness of the information contained in such sites. The inclusion of any information, material, content or links in the content should not be construed as an express or an implied endorsement of any third party products or services.

By subscribing to any of our services, you give us permission to contact you by email or by other electronic methods. That includes, but is not limited to, sending you newsletters and subscription-related information by email. See our Privacy Policy for more information.

These terms may change without notice.

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Copyright © Norman Rothery. All rights reserved.

Everything on this site, and its related publications, is to be used by individuals for their own personal research. This expressly does not include republication or redistribution. Furthermore unless otherwise specified, no one has permission to copy (apart from strictly personal use), redistribute, reproduce or republish in any form, information or any other material found at this site. All programs, software, and utilities presented on this site are available for personal use (not abuse) and may not be copied, reproduced, or modified in any way.

Conflict of Interest Notice

From time to time, we may buy, sell, or otherwise have an interest in the securities mentioned in the content.

Generally speaking, our trades should have very little impact on a security's price. In addition, we tend to hold stocks for very long periods of time. Nonetheless, this might not always be the case.

It's best to assume that we, or related-parties, have an interest in the securities mentioned.

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Any other website is invited to provide a hyperlink from their site to any public web page at Stingy Investor without prior permission. Permission is expressly not given to hyperlink to any of our paid content.

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Disclaimers: Consult with a qualified investment adviser before trading. Past performance is a poor indicator of future performance. The information on this site, and in its related newsletters, is not intended to be, nor does it constitute, financial advice or recommendations. The information on this site is in no way guaranteed for completeness, accuracy or in any other way. More...