This personal finance blog is owned, created and authored by Crystal Rau, and is published and provided for informational and entertainment purposes only. All opinions expressed on this blog are solely those of Crystal, and the owner will periodically offer guest posts as long as they are in line with the thoughts and opinions of the owner subject to review before publishing.  This blog is in no way affiliated with any other organization or institution. No information in the blog should be considered a recommendation that any security, portfolio of securities, investment strategy, or transaction is suitable for any particular person as the owner writes about topics that have personally been successful for herself. The authors on this website are not advising, and will not advise you personally concerning any particular security, portfolio of securities, investment strategy, transaction or other related matters. Anything deemed to be investment advice is not tailored to any particular person and may not be suitable for you.

As the author(s) do not know each readers personal financial situation or risk profile, any information or opinions on this blog are no intended to provide a specific recommendation to make an investment. This blog is only intended to share the author(s) opinions and not persuade you into to making specific investments. If you are interested in acting upon the author(s) said opinion, you need to do your own due diligence and make your own choices with your money based on your unique circumstances.

This blog is not intended to provide any tax, legal, financial planning, insurance, investment, or any other kind of professional advice. You should consult with an appropriate tax, financial or legal professional before taking action based on any suggestions or information on this site. You are solely responsible for determining whether any financial or insurance strategy, product or service, is appropriate or suitable for you based on your investment objectives, risk tolerance and personal and financial situation.

Periodically, the author(s) or its affiliates may hold positions or other interests in securities mentioned on the blog and may trade in their own account(s) based on the information published on the blog. As everyone has different circumstance, you need to do your own due diligence and be made aware of the risks involved when investing in any financial asset. Past performance is not a predictor of future results. Any historical data used on this website is done for the purpose of showing past data and performance for examples or to shape future views which in no way can be predicted.

The author(s) and owner of this blog may hold licenses with FINRA, the SEC, state securities authorities, or nationally recognized financial certifications and may or may not disclose these in the blog.  The author(s) licenses and certifications should not be construed as your own personal financial advisor as it is your responsibility to research before you make any financial decisions.  Faith and Funds, the blog, the author(s), and owner is in no way responsible for decisions that you make financially or otherwise.

Faith and Funds agrees to never sell or distribute your email address to third parties. If you elect to subscribe to the Faith and Funds newsletter you will need to provide your email address. You may unsubscribe at any time.

The blog may periodically provide information from links to share interesting data and opinions, or links to other brokerage companies strictly for your convenience and it not to be construed as any recommendation.  They are sources of information but are not an endorsement of the opinions or advice of the other sites.  The owner and author(s) of this blog does not endorse or recommend the services of any brokerage company and whichever brokerage company you select is solely responsible for its services to you.

There are advertisements (in the form of links and banners) placed on the blog but in no way constitute an endorsement by the owner or author(s) of the products being advertised.

Faith and Funds is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn fees by linking to Amazon.com. If you click on any book links that bring you to Amazon.com links and buy anything, even something other than the product advertised, I earn a small commission, yet you don’t pay any extra.  This helps the owner run and maintain the website through small commissions.

Faith and Funds may have a financial relationship with companies mentioned in this website. This may include receiving access to free products and services for product and service reviews and giveaways. It’s also important to note that this blog accepts forms of cash advertising, sponsorships, paid insertions, or other forms of compensation. The compensation received will never influence the content, topics or posts made in this blog. The owner and author(s) of this blog will only endorse products or services that they believe, based on their own expertise, are worthy of such endorsement. It is your responsibility to do your own research and verify any claims directly with the service-provider or manufacturer of the product.

Under no circumstances will the owner, author(s), it affiliates, partners, employees, or agents be liable to your or any third party for any financial losses, or loss of data from the use of the blog, or any of the content accessed or downloaded from the blog.