Hope for your financial life and beyond

Disclaimer/Site Policies


Welcome to Luke1428! We are glad you stopped by of your own free will to read, learn and share. As you peruse the site, here are some things you should know.

General Disclaimer

The information provided on Luke1428 is for informational and entertainment purposes only and the opinions contained here are our own. The owner makes no representations as to the accuracy, validity or completeness of the information on this site or that found by following any link on this site.

Personal finance is unique and involves risk so do your own research and consult a certified professional adviser before making financial decisions. Luke1428 will not be held liable for the results of your financial decisions.

The content of Luke1428 is copyrighted. That means you cannot use, reprint or republish material found here, with the exception being any downloadable materials to be used for your personal, non-commercial use at home. You may reference material found here as long as you mention or link to Luke1428.com. Any other use without expressed written consent is prohibited. If you need consent, use the Contact Form here.

While we do our best to make sure the content on Luke1428 is up-to-date, information changes all the time in our fast paced society. Our site works hard to reflect those changes, but we probably won’t catch them all.

Commenting Policy

Comments are the best way for individuals to connect on a blog. They are yet another avenue to learn from each other and build relationships.

Luke1428 is not liable for the comments posted by its readers. Any comments found on Luke1428 are the expressed opinions and or property of the individual authors.

In addition, the owner of this blog reserves the right to edit or delete any comments submitted to this blog without prior notification for the following reasons:

1. Comments that maliciously attack a person individually, impugns their character or is seen as harassment

2. Comments that contain language or concepts that may be seen as offensive

3. Comments that include profanity (Hey…my kids read this stuff.)

4. Comments deemed to be spam or questionable spam


Per FTC guidelines, Luke1428 is required to disclose if it has financial arrangements with and may be compensated by companies mentioned through advertising, reviews, affiliate programs or otherwise. Luke1428 may be compensated should readers choose to click on advertising links on the various pages of this site.

Luke1428 is not held responsible for the actions of advertisers or sponsors. Please complete your own due diligence before purchasing a product or participating in any third party offers. If you complete a purchase through a link from this site, you must take action with that company to resolve any issue, not Luke1428.

To see our full advertising and legal disclosure, click here.


Some images on this site are covered under creative commons license or downloaded from image vendors (i.e FreeDigitalPhotos.net, istockphot.com, Wikimedia Commons, etc.). Links are provided to the original content for those images. Any other original image that does not contain a link may be freely used, provided you link back to and credit Luke1428.com.

Owners Rights

We reserve the right to change the focus of this blog, shut it down, sell it or change the terms of use at our discretion. It is the responsibility of the user to check back to this page for any changes that may have occurred. Continued use of the site signifies the users acceptance of these policies and any future changes.

The date at the bottom of the page will signify the last date changes were made.

Your Agreement

By using this site, you agree to the terms and conditions listed above. As was mentioned at the top, you are here of your own free will, so if you cannot agree with these policies, do not use this site.

If you have any questions about this site, its content or the above policies, please use the Contact Form here.


This document was last updated January 9, 2014.