Board rules

These rules are disclosed to clarify the various responsibilities of all community members here on Financial Wisdom Forum. They shall be adhered to by everyone to ensure that our board runs smoothly and provides a fun and productive experience for all of our community members and visitors.

  1. Forums

    1. The Your Money ... forums are the main discussion areas on this site. We ask you to concentrate on financial matters: stocks, bonds, GICs, ETFs and mutual funds, financial planning, taxes. #
    2. The ... and Your Life forums are provided as a bonus service to registered members only. #
  2. Posting Do's and Don'ts

    1. Do not post or link to abusive, slanderous, hateful, or otherwise threatening or discriminatory material on sex, gender, race, religion, language or any other material that may violate any applicable laws. Ask yourself whether you would want your children/spouse/parents/boss to see what you wrote. #
    2. Check your motives. Before you post, ask yourself "Why am I posting this?" What are you trying to accomplish? Argue by addressing the ideas not by attacking the person. #
    3. Before starting a new topic, please use the Search box to see if there is an existing topic covering the same subject. If so, post there rather than create a new topic on the same subject. #
    4. Any poster can edit or delete their own post after submitting it, so comments made in haste can be rephrased or deleted within 48 hours. Click on the (Edit post) or (Delete post) buttons. Please add a line indicating the nature of your edit. Further details can be found in the FAQ. #
    5. If you see a post you believe violates applicable laws or one of these board rules, you can inform the moderators and management by using the (Report a Post) button to the right of the objectionable post. Please advise the moderators/management, using one of the Reason selections available in the drop down menu, what you find objectionable about the post you are reporting and ask them to review the problem post. #
  3. Moderation policy

    1. Financial Wisdom Forum is actively moderated to maintain a civil and welcoming environment, something we have spent some time and years to foster. Those who do not like our moderating guidelines are free to disagree and find a new haven elsewhere. #
    2. Moderation policy is established by the Forum's owners. Moderator decisions are final. If you disagree, PM/email the moderators or the Management. Do not contest moderation decisions in public (unless you're looking to be an instant martyr). #
    3. Moderators will intervene to prevent conversations -- we are about conversations -- from turning into personal and/or political feuds and vendettas, and to quash trolling. A post that deliberately attacks a person rather than critiquing the message in the post will be considered over the line. In such case, when posters are asked to back off, not heeding such a call may result in suspension/banning. #
    4. Moderators may edit topic titles and edit (or delete) posts therein to remove illegal, libelous, or other objectionable material. Changes to topic titles and posts will be clearly indicated. In the case of removal of an entire post, the poster will be notified via email or Private Message. If a member has a post removed and wants to argue about it, use a Private Message to the moderator or Management. Arguing about it in the Forum will result in a suspension/ban. #
    5. Generally, moderation will be handled in the first instance by PM to the offender(s), identifying the violation and consequences of further violations, or by a public post by the moderator(s), indicating to all that a post or topic is getting near the limits. That is a warning shot. #
    6. Cross the line, you may be suspended for a week. Cross the line twice, the penalty is a month. Cross it three times, you're gone for good. #
    7. If you are banned or suspended and not sure why or you wish to protest, please email the moderators/Management at the email address provided to you for a more detailed explanation. #
  4. Terms of service

    1. Usernames (accounts)

      Usernames must be inoffensive, in accordance with all other forum policies, and not misleading. Examples of usernames that do not meet these requirements would be any that include profanities, rude/sexist/racist comments, the names of real people other than yourself, political or religious expressions, and recognizable trademarked names.

      Please do not sign up for more than one account (username). If there is a problem with your account, please contact a admin via PM. The list of admins can be found in 'The team' link in the footer. If we discover that one person is using multiple accounts, the least active account(s) will be deactivated. Use of multiple accounts to circumvent forum policies, including suspensions or bans, will be considered a serious violation.

      We do understand that there are certain situations in which more than one account might be reasonable and might already exist from before the implementation of this rule. If you feel you have a compelling reason for maintaining multiple accounts, please send a request with an explanation to a moderator or admin. #
    2. While the administrators and moderators of this forum will attempt to remove or edit any generally objectionable material as quickly as possible, it is impossible to review every message. Therefore you acknowledge that all posts made to these forums express the views and opinions of the author and not the administrators, moderators or webmaster (except for posts by these people) and hence, the administrators, moderators or webmaster will not be held liable. #
    3. You agree not to post or link to any abusive, slanderous or hateful materials that may violate any applicable laws (on libel, sexual exploitation as well as religious, linguistic, racial, gender and sexual discrimination) or that depreciate common courtesy. #
    4. This forum is not a clipping service. Do not copy whole articles. Fair use of copyrighted materials may apply, in instances where the information might quickly disappear from the Web. We encourage members to link to an article and expand on why the article is important. We reserve the right to determine what is fair use. #
    5. You agree not to solicit business although a link to your website in your profile and/or signature is allowed. Soliciting includes posting stock tips, touts, systems, and buy/sell signals without clear educational content and attempting to attract business or website traffic. We reserve the right to determine what is solicitation. Violations may lead to you being immediately and permanently banned. #
    6. You agree that the webmaster, administrator and moderators of this forum have the right to remove, edit, move or close any topic at any time should they see fit. As a user you grant a perpetual non-exclusive licence to the owners of this Forum to store, reproduce, and publish (or republish as the case may be) your messages and any other information you enter. Private information you give us when you become a member, e.g., a valid email address, will not be disclosed to any third party without your consent, except where directed by court order. You agree that the owners, webmaster, administrators and moderators are not responsible for any harm or damages resulting from successful hacking attempts. #
    7. This forum software uses cookies to store information on your local computer. These cookies do not contain any of the information you enter; they serve only to improve your viewing experience. The e-mail address is used only for confirming your registration details and password (and for sending new passwords should you forget your current one). #
  5. Disclaimer

    1. Do not treat anything posted on this forum by anyone - including the site's management - as investment advice. Do your own due diligence or consult a financial professional before proceeding. #