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This Web site contains a compilation of more than a thousand consumer finance  columns written by Tony Novak from the 1980s through 2006, updated and reformatted for maximum usefulness today.  New material was added after 2010.

Content is the opinion of the author and does not represent the position of any other person or entity. Information is from sources believed to be reliable but cannot be guaranteed.

The author is paid for product endorsements and has an ownership or other financial interest in the businesses related to the topics covered.

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Accuracy of information and advisor liability

The information in this forum is based on sources that are believed to be true but cannot be guaranteed. Due to the nature of the topics presented, some factual errors are anticipated. The adviser is not liable for effects of relying on information published that is believed to be correct but later turns out to be untrue.

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Responses to most questions are included in the next business day's e-mail but there is no assurance that a response will be made to every question. Some questions may be skipped at the discretion of the Adviser.

The reasons that a question may not be answered are: 1) the question has already been asked and answered, 2) the Adviser has no significant useful information to add to the discussion, 3) the topic does not have widespread implication or s not of interest to most users, or 4) there are too many questions received in a period of time.

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