Advertising Policies for

Authorized Affiliate and Advertising Policy

One of my dreams has always been to use my passion for working with numbers to earn a modest living by helping others -- namely low-to-middle income families -- to learn how to accurately forecast the financial and emotional consequences of their decisions (to think for themselves instead of relying on self-serving sellers to do their thinking for them).

What's ironic is that the biggest obstacle to realizing my dream has always been that I could never bring myself to charge a reoccurring fee to people who could least afford it. After all, I'm trying to help them reduce their financial obligations, not create another one. And therein lies the beauty of this website.

Since this website is supported by compensated advertising instead of membership fees, visitors who are open and receptive to my teachings are able to access the tools and information for free. And, if they are actually putting what they are learning into practice, will be the least likely of visitors to leave the site by way of advertisements.

On the other hand, the visitors who have no interest in my teachings are often quickest to leave the site by way of advertisements -- some of which departures result in me being compensated by the advertiser for traffic, leads, or sales that originated from my site. And the cool part about that is ...

The visitors who are not interested in my teachings are actually helping to pay for the financial educations of those who are!

Having said that, and wanting to remain a trusted source for unbiased and helpful information, I created this page to fully disclose the compensated advertising on my site.

Affiliate Versus Contextual Advertising

Affiliate ads are ads that I actually place on the site myself. In most cases I choose to be an affiliate of certain advertisers based on the following criterion:

  1. Either I use the advertised product or service myself, or they have been favorably reviewed by those that do.
  2. The product or service helps to solve a problem brought to light in a particular article, calculator, or section.

The following are companies or products that I am an authorized affiliate for:

  • 48Days: Book by Dan Miller entitled, "48 Days to a Work You Love".
  • ACE: Auto Credit Express - Fast same day auto financing.
  • Checks Unlimited: Labels, checks, checkbook covers, etc.
  • Custom photo calendars.
  • CuraDebt: Debt counseling and settlement.
  • Experian Automotive: AutoCheck vehicle history reports.
  • Lending Club: Peer-to-Peer lending and borrowing.
  • Online training library.
  • Mathway: Full-feature version of the free algebra calculator.
  • SiteSell Inc.: The online business building tool I used to create this website.
  • You Need A Budget: Software with apps to help you better manage your money.
  • Vertex42: Excel and OpenOffice Calc spreadsheets by Jon Wittwer.
  • WyzAnt: Tutor/Student Matching Service.

If you do business with any of the above companies and have a bad experience, please contact me and let me know. Every company makes mistakes now and again, but if I get numerous complaints I will remove their ads from the site.

Contextual ads are ads that I don't have any control over what ads appear (distinguishable by "AdChoices" or just "ads"). These ads are served from ad exchange companies that attempt to deliver ads to pages based on the topic of the page.

The following are ad exchanges that serve ads to my site:

  • Google Ads
  • Yahoo/Bing Network

Ads Do Not Bias The Tools and Information

It is important to point out that I build pages and calculators for this website for the purpose of serving the needs of my site visitors. This means that the compensated advertising that appears on this site does not influence the content. I always give my honest opinions, findings, beliefs, and experiences -- no matter what ads appear on which pages.

If you have any questions or concerns about the compensated advertising on this site, please feel free to contact me at anytime.

Dan Peterson

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