The Money Street Disclaimer

What Is The Money Street?
The Money Street was founded in 2012 by a team interested in aggregating today’s financial news, creating lively debate of trends in the financial markets and researching ideas that may make investment sense. Our Featured Company focus is on underserved small and micro-cap companies being driven by entrepreneurs but overlooked by Wall Street. This is actually why we name our site Money Street, to provide something different than traditionally Wall Street ideas, which frankly don’t focus on thousands of great opportunities just looking to be discovered.

Our Guiding Principal
The Money Street was created to expose information, to teach, and to bring like-minded people together to look for the next winning investment. We are always striving to be a highly collaborative community, and in doing so we have created the following disclaimer that’s aimed to protect you as much as it keeps our team focused on our why we set out to create The Money Street.

The Money Street Disclaimer
The Money Street is designed to help readers obtain financial information and discuss ways to make personal investment decisions. Information found on the site is either aggregated from other writers / analysts or provided by someone on our team. In our forums, many who post information use anonymous screen names and are people we’ve never met.

We recognize that while we have loads of relevant financial information on our Site, people sometimes post messages in our folders or make statements in our chat rooms that are misleading, deceptive, or downright wrong. They may do this unintentionally or, sad to say, intentionally. The U.S. Securities and Exchange Commission recognizes this and has published information on various Cyberfraud that they have seen. FINRA has provided its own insights into how to  invest carefully in this new, electronic world and NASAA also provides tips on how not to fall prey to online investment schemes.

The SEC, FINRA and the NASAA maintain outstanding websites at http://www.sec.gov and http://www.finra.org,and http://www.nasaa.org respectively, and we highly suggest that you visit them during your investment making process.

Treat the content found here the same way you’d treat anything thing that you have heard for the first time: take it in, marinate on it, substantiate it, ignore message boards posts as those that post on boards could be trying to influence for their own gain and make YOUR OWN decision. Here is a great example of a message board post that clearly demonstrates how some people use them to their advantage:

“ILL ADMIT..alamorosa got me to sell my position…If she/he is short…you got me!…Increased postition in siri and pandora…I only liked the chart and got out even for all my efforts.

This type of banter tears us apart to see, as it is someone not making their own investment decisions and being influenced by a message board posting. We repeat, do not take our word, or anyone’s word on investment advice. Take in the idea and invest in what make sense to you. The fundamental concept is that you should NOT rely upon the information or opinions you read. Rather, you should use what you read here as starting points for doing independent research on companies and investing techniques. Then judge for yourself the merits of the material that has been shared in our forum.

Remember, anyone can show up and use our site: no private invitations to join are required. You shouldn’t make an investment just because some stranger (or even a friend) talks it up; you shouldn’t treat cyberspace any differently.

The Money Street does not guarantee the veracity, reliability or completeness of any information provided in our forums or in any hyperlink appearing on our site. No one could read through the thousands of messages we receive each day, check out all the hyperlinked web sites, and research each one for accuracy. That isn’t why we’re here. Nor are we here to give you hot “tips,” to make “buy” or “sell” recommendations, or to tell you what to do with your money. We’re here to help you to learn how to make investment and personal finance decisions for yourself, and to have fun.

You are responsible for your own investment decisions. The Money Street will not be responsible for any errors or omissions in articles or postings, for hyperlinks embedded in messages, or for any results obtained from the use of such information. The Money Street will not be liable for any loss or damage caused by a reader’s reliance on information obtained in our area, or in a hyperlinked area. If you don’t accept this responsibility for yourself, then you should not use The Money Street.

If you ignore our advice to do independent research of industries, companies, and stocks, choosing instead to trade solely on information, “tips,” or opinions found in our forums, you have made a conscious, willing, free, and personal decision to do so. You have also probably made a mistake.

As cyberspace develops, the freedom and openness from which we all profit can make us the target of touts, hypesters, and frauds. These people could infect our forums, just as they infect other parts of the world. Please proceed with caution and do your homework. And remember: when you access one of these hyperlinked web sites, you’re leaving our area so be wary of those who post hyperlinks to strange web sites.

The Money Street Disclosure Policy
Here at The Money Street, when it comes to matters of money, we believe in transparency and thoughtful research. We dedicate ourselves to delivering responsible investing ideas and sound financial education. That’s why, when it comes to talking about stocks, we think it’s important that you know exactly where we’re coming from. With this in mind, we have developed this disclosure policy to guide our team and communications to our community.

Investors Communicating With Investors
The Money Street is here to represent individual, not institutional, investors teaching and learning from other individual investors. Many financial publications do not permit their writers and editors to own stocks. Here at The Money Street, if we are going to feature a company, we are going to encourage team members to own common stock in that company. Why you may ask?

First, we believe the most effective way to create wealth is through finding and investing in undiscovered stocks. That coupled with long-term ownership horizons of stocks, creates the wealth that enables one to have increased flexibility in their daily choices. The stock market has compounded 10% average annual returns over the last century. We believe in using the stock market as a savings bank, and we strongly encourage treating money management as a lifelong endeavor. Therefore, we think it’d be downright unfair of us to close that avenue of investment to our team members.

Second, and more important, we don’t consider our team to be journalists, but rather individual analysts and communicators of financial opportunities. As a team, we utilize every available medium to teach people of all ages, all income levels, all backgrounds, and all genetic codes about money and its applications in modern life. Therefore, we believe our involvement in managing their own money is critical to their learning more about the subject and their succeeding in their own lives. And who better to write about investing than those who do it themselves?

The Money Street writes about stocks in both free and paid content. We make stock recommendations in our various newsletter services and actually hold some of these shares in our personal portfolios. We disclose our recommendation or ownership until we cease to recommend the stock, or we sell our entire position. Of course, in both free and paid content we will continue to disclose whether the author has an interest in the stocks mentioned.

Internally, we have always strived to operate with the highest levels of integrity and transparency. As such, here are the key components of The Money Street’s disclosure policy and trading guidelines:

  • When a writer writes about a stock that he or she has a position or beneficial interest in, that fact is disclosed at the end of the article.
  • Affiliates of The Money Street provide individualized investment advice and investment products. These companies may recommend or hold securities mentioned in our publications. Editorial personnel have no knowledge of any affiliates’ holdings and/or specific recommendations, and the affiliates’ personnel have no knowledge of any editorial content before it is published. Our affiliates may also have their own disclosure policies, which they may make available on their respective sites.
  • Any purchase of stock must be held for at least 10 days. No day trading is allowed.
  • Am writer cannot write about a stock in the period of 2 market days before to 2 market days after purchasing or selling the stock.

Business and Technology Partners
We have business relationships with an ever-changing assortment of companies, including technology vendors, leasing companies, data providers, banks, distribution channels, advertisers, etc. Many of these companies are public companies operating in industries that we follow. There may be instances in which one of our newsletters recommends a company with whom we have a business relationship, or we may write an article about such a company on The Money Street. These occurrences are unintentional and coincidental, as the business end of The Money Street has no input or influence on the editorial side of things.

Investing Advertisers
As a general rule, if you may see ads from a company on our site and emails, that company is paying us for such placement Additionally, companies pay us for inclusion in specific areas of our site.

Credit Card Advertisers
We may partner with credit card issuers to provide relevant products, services, and offers aimed at helping individuals improve their financial lives. We would receive compensation from these partners. This compensation may even impact how products offers are displayed on this site. But trust that independence and transparency are what matters most, regardless of compensation.

Preferred Partners
We may issue recommendations for preferred partners that we believe in and/or use ourselves. But keep in mind, this site may not include all available offers from our partners. For example, there are thousands of offers available online. We’ll highlight a fraction of them. All picks are made at the editorial discretion of the team.

Distribution Partners
We do distribute our content for additional exposure on large portals, search engine and native content distribution networks.

In Conclusion
We have designed our disclaimer and disclosure guidelines to serve our community, our customers, and our team members fairly. As always, though, you should remember to consider every piece of investment information you receive, here at The Money Street or elsewhere, not as a de facto recommendation, but as an idea for further consideration. Even the strongest policies in the world does not excuse individuals from taking responsibility for their own decisions. Due diligence, critical thought, and use of the most extraordinary device in the world (the human brain) are crucial to your financial success.