Yes, this website generates money. There are affiliate and advertising relationships between the website and third-parties, which introduce potential financial conflicts of interests. In the spirit of full disclosure, these conflicts are highlighted and outlined below so that you can make a fully-informed decision as you’re reading the free content.
“For-Profit” as Opposed to “Non-Profit”
The primary goal of this website is to assist intelligent lawyers and other high-income professionals who have invested long hours in their careers achieve their financial goals (although, secretly we’d also like to reduce your stress and anxiety overall). Many of these individuals did not receive financial training, nor have they adequately come up with a plan to tackle student loan debt, buy a house or achieve financial independence.
This site costs money to develop, run and maintain and a significant amount of effort has been expended to find and nurture the relationships with the individuals and companies on this page. We couldn’t have done that without running this site as a “for-profit” business.
Free to the Reader
There is no subscription or charges for premium content. All the information contained in the website is completely free. There are no extra costs for using the links on this site. You are welcome to find other sources which discuss the topics that we cover on the site, although we appreciate you using our links to support the site and also to get the special deals that we’ve negotiated for you.
How This Site Makes Money
This site generally makes money in one of two different ways: 1) Affiliate marketing programs; or 2) Direct Advertisements. The site is compensated if you click on a link from this website and subsequently perform some type of action on the affiliate site, such as making a purchase or opening an account. The site then receives a commission once you’ve taken an action.
All affiliate relationships have been thoroughly considered and involve only companies whose products we believe would be useful to the readers. The affiliate nature of the relationship between the website and the affiliate partners does not increase the costs of the product or service paid by you. In other words, you aren’t worse off by clicking through the links on this site.
Hopefully this will assist you in evaluating the financial conflicts of interest. If you’re having trouble telling content apart from advertising, please contact me. Your privacy is also important. I will never sell or disclose your email address.
Regardless of the above, the FTC requires websites to disclose whenever there could be hidden interests or unspoken biases related to recommendations.
I’m taking the generous offer of Tim Ferris to reproduce his disclosure:
Per the FTC rules, if we interview someone and they grab the bill for lunch, we would need to disclose this. Ditto if we use an Amazon link that gets me 8 cents instead of an Amazon link that gets us 0 cents. If someone gives us a comfy t-shirt with a logo and we wear it in a photo, same deal. Disclaimers all over the place. This would be tedious for us and even more tedious for readers. But rules is rules. To cover our ass and preserve your reading experience, please assume that, for every link and product we use, the following all hold true:
(Illustrations courtesy of Louis Gray and Jeannine Schafer)
General Terms and Conditions applicable to Use of a Web Site
Per FTC guidelines, this website may be compensated by companies mentioned through advertising, affiliate programs or otherwise. Any references to third party products, rates, or websites are subject to change without notice. Please do the appropriate research before participating in any third party offers.
Web Site Terms and Conditions of Use
By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this web site are protected by applicable copyright and trademark law.
2. Use License
a. Permission is granted to temporarily download one copy of the materials
(information or software) on www.dumpsterphoenix.me web site for personal,
non-commercial transitory viewing only. This is the grant of a license,
not a transfer of title, and under this license you may not:
i. modify or copy the materials;
ii. use the materials for any commercial purpose, or for any public display (commercial or non-commercial);
iii. attempt to decompile or reverse engineer any software contained on www.dumpsterphoenix.me’s web site;
iv. remove any copyright or other proprietary notations from the materials; or
v. transfer the materials to another person or “mirror” the materials on any other server.
b. This license shall automatically terminate if you violate any of these restrictions and may be terminated by www.dumpsterphoenix.me at any time. Upon terminating your viewing of these materials or upon the termination of this license, you must destroy any downloaded materials in your possession whether in electronic or printed format.
The materials on www.dumpsterphoenix.me’s web site are provided “as is”. www.dumpsterphoenix.me makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties, including without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, www.dumpsterphoenix.me does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its Internet web site or otherwise relating to such materials or on any sites linked to this site.
In no event shall www.dumpsterphoenix.me or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption,) arising out of the use or inability to use the materials on www.dumpsterphoenix.me Internet site, even if www.dumpsterphoenix.me or a www.dumpsterphoenix.me authorized representative has been notified orally or in writing of the possibility of such damage. Because some jurisdictions do not allow limitations on implied warranties, or limitations of liability for consequential or incidental damages, these limitations may not apply to you.
5. Revisions and Errata
The materials appearing on www.dumpsterphoenix.me’s web site could include technical, typographical, or photographic errors. www.dumpsterphoenix.me does not warrant that any of the materials on its web site are accurate, complete, or current. www.dumpsterphoenix.me may make changes to the materials contained on its web site at any time without notice. www.dumpsterphoenix.me does not, however, make any commitment to update the materials.
www.dumpsterphoenix.me has not reviewed all of the sites linked to its Internet web site and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by www.dumpsterphoenix.me of the site. Use of any such linked web site is at the user’s own risk.
8. Governing Law
Any claim relating to www.dumpsterphoenix.me’s web site shall be governed by the laws of the State of New York without regard to its conflict of law provisions.
9. Use Of Pictures
You may not use the pictures or images posted on Dumpster Phoenix.
Collection of your Personal Information
We do not collect personally identifiable information from our users. We may gather personal or non-personal information in the future.
Information about your computer hardware and software may be automatically collected by Sidebar. This information can include: your IP address, browser type, domain names, access times and referring website addresses. This information is used for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Sidebar.
Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Sidebar public message boards (post & comments), this information may be collected and used by others.
Sidebar encourages you to review the privacy statements of websites you choose to link to from Sidebar so that you can understand how those websites collect, use and share your information. Sidebar is not responsible for the privacy statements or other content on websites outside of the Sidebar website.
We do not knowingly collect or keep personal information of children under the age of 13. If we discover it, we will delete it as soon as possible. Children under 13 cannot use Dumpster Phoenix. We do this to comply with the Children’s Online Privacy Protection Rule.
Opt-Out & Unsubscribe
We respect your privacy and give you an opportunity to opt-out of receiving announcements of certain information. Users may opt-out of receiving any or all communications from Sidebar by contacting us in the reply section below this page.
Changes to this Statement
Sidebar will occasionally update this Statement of Privacy to reflect company and customer feedback. Sidebar encourages you to periodically review this Statement to be informed of how Sidebar is protecting your information.
Effective as of March 30, 2021