Financial disclaimer

All content and resources are educational and informational. They are not personalised investment, accounting, legal, tax, or financial advice. No outcome or return is guaranteed. Users should verify important information and consult qualified professionals when appropriate.

What that means in practice

Education, not advice

Everything here explains how something works in general. None of it knows your income, your obligations, your risk tolerance or your circumstances — which is exactly what advice has to account for. A general explanation and personal advice are different things, and this site only does the first.

Not a regulated advisory service

Insights by Mike is an educational publication. It is not a regulated investment, brokerage, accounting or financial advisory service, and nothing published here is offered as investment advice. For advice on your own circumstances, consult a professional licensed to provide it where you live.

No recommendations, no predictions

This site does not recommend specific investments, securities, funds, currencies or crypto assets, and does not predict what any market will do. Where a company or an asset is mentioned, it is to illustrate how something works — never as a suggestion to buy, hold or sell.

Templates are starting points

Spreadsheets, calculators and checklists are general tools. Their outputs depend entirely on the assumptions and figures you enter, and they may contain errors. Check the calculations before making a decision on them, and don't treat a number a template produces as a fact about your situation.

Things change

Rates, rules, prices and regulations move — sometimes quickly, and particularly so in Lebanon. An article is accurate to the best of my knowledge on the date it is published. It may not be accurate when you read it.

Past performance

Nothing that happened before tells you what will happen next. Any figure here is history, not a forecast.

No relationship is created

Reading this site, subscribing, or downloading a resource does not create an advisory, fiduciary or professional relationship between you and Mike Sader.

Nothing confidential

Mike's professional work is subject to confidentiality obligations. Nothing on this site draws on confidential client, employer or company information.

When to get professional advice

Please talk to a qualified professional before acting on anything, particularly when it involves:

• investing a meaningful amount of money
• tax, in any country
• a contract, a company structure or a legal obligation
• borrowing, or restructuring debt
• anything you can't comfortably afford to get wrong

Your decisions are yours

You are responsible for what you do with the information here. To the fullest extent permitted by law, Mike Sader accepts no liability for any loss or damage arising from reliance on this site's content or resources.

Found an error?

Tell me and I will correct it. Get in touch — corrections are genuinely welcome and get made quickly.