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The Frugal Expat articles, Tweets or any other form of dissemination in person or online are all the sole product of The Frugal Expat's personal, individual opinions. These articles are not associated with, in any way, the opinions, strategies, or works of The Frugal Expat's employer, associates, or entities in any way otherwise related to The Frugal Expat. The Frugal Expat is not a registered investment adviser and does not hold any licenses. These are solely my personal thoughts and opinions about finance and/or investments I personally look at or consider – nothing on this site is to be considered investment advice or a recommendation to do anything involving finance or money aside from consulting with your personal financial adviser.

You agree that by reading The Frugal Expat articles, you are acting at your OWN RISK. In NO EVENT should The Frugal Expat be liable for any direct or indirect trading losses caused by any information contained in The Frugal Expat’s articles, blog posts, or other internet-based dissemination methods. Information in The Frugal Expat’s articles are not an offer to sell or a solicitation of an offer to buy any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer would be unlawful under the securities laws of such jurisdiction. The Frugal Expat is not suggesting the transacting of any financial instruments and The Frugal Expat suggests consulting your personal financial adviser with regards to any such transactions.

We publish Information regarding certain stocks, index funds, bonds, savings accounts, and (collectively, “Securities”) that we believe may interest our Users.  The Information is provided for information purposes only, and The Frugal Exapt is not engaged in rendering investment advice or providing investment-related recommendations, nor does The Frugal Expat solicit the purchase of or sale of, or offer any, Securities featured by and/or through the The Frugal Expat Offerings and nothing we do and no element of the The Frugal Expat Offerings should be construed as such.  Without limiting the foregoing, the Information is not intended to be construed as a recommendation to buy, hold or sell any specific Securities, or otherwise invest in any specific Securities. Trading in Securities involves risk and volatility. Past results are not necessarily indicative of future performance.

The Frugal Expat makes no representations, and specifically disclaims all warranties, express, implied, or statutory, regarding the accuracy, timeliness, or completeness of any material contained in this site. Again, you should seek the advice of your personal financial adviser or a security professional regarding your stock transactions.

The Frugal Expat does not, in any way, guarantee that he is providing all of the information that may be available on any topic written. The Frugal Expat recommends, again, that you do your own due diligence and consult a registered financial adviser before buying or selling any security.

The information and opinions contained in the Website are based on publicly available information about companies and persons. The Frugal Expat recognizes that there may be non-public information in the possession of companies or other people that could lead others to disagree with my analyses and conclusions. Any statements, estimates, projections and opinions may prove to be substantially inaccurate and are inherently subject to significant risks and uncertainties beyond The Frugal Expat’s control.

Although The Frugal Expat believes the statements made in the Website are substantially accurate in all material respects and do not omit to state material facts necessary to make those statements not misleading, The Frugal Expat makes no representation or warranty, express or implied, as to the accuracy or completeness of those statements or any other written or oral communication it makes with respect to any company or persons mentioned, and The Frugal Expat expressly disclaims any liability relating to those statements or communications (or any inaccuracies or omissions therein). Thus, shareholders and others should conduct their own independent investigation and analysis of those statements and communications of companies or persons to which those statements or communications may be relevant.

I am not a stockbroker or financial adviser. I hold no licenses and am not registered with FINRA or any other financial body. I am a casual investor making casual observations for the purpose of discussion and open communication and analysis of companies and stocks. All articles are my opinion only and are not suggestions to buy or sell any equity, bond, option or other financial instrument.

This website contains endorsements or advertisements for products and services, which means when you click on a link that I recommend, I may receive a commission.