God's Plan For Gifting Activity
God Bless You This Day!
Thank you for reviewing this activity. It is truly God's Action Plan for our lives.
"For I know the plans I have for you," declares the Lord, "plans to
prosper you
and not to harm you,
plans to give you hope and a future." - Jeremiah 29:11
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The Greatest Secret |
The First Gift
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What is Legal |
God's Plan For Gifting |
To begin with, we are simply a group of like-minded individuals from all walks of life across the
Globe, who in an organized way, through the act of giving find ourselves with blessings returned to us multiplied. It is God's Law at work for believers in His plan and His Word.
This belief is best described in our Bible in Luke Chapter 6, verse 38 which clearly states, "Give, and it shall be given unto you, good measure, pressed down, and shaken together, and running over, shall men give unto your bosom. For with that same measure you mete withal, it shall be measured to you again."
Please read every word of this website and get your every question answered by the person who cared enough about you to share this activity with you. If you can commit to an organized course of action, and follow exactly a few simple instructions, we want you as a participant. If you cannot believe and subscribe to His teachings found in Luke Chapter 6, verse 38, then this activity is NOT for you. Do not submit your application because this activity will not work nor bless you as He has promised to His followers.
If you are ready to take a major step and commit to
a Biblically based course of action found herein, there is a participation form within the website and we would love to have you participate with us.
We wish for each of you all of God's Blessings!
We are an organized activity
organized by a few volunteers and participants that join with other
like-minded individuals who have a belief in the scriptures that by
giving of ones resources freely to benefit others, we in turn will be
blessed. We share, believe, and practice the message found in the
Gospel or Good News. The Bible tells us to do things in an organized manner.
This is our goal. The giving
and receiving of gifts is simply an activity that lends itself to
inviting God’s promise to bear fruit in our lives. We believe for the blessings
is best done in an organized
manner from the goodness of Christ in our hearts, and, never out of
compulsion.
The success of this activity is based
on the belief that in the giving and receiving of gifts in an organized
way as God has taught us, this organized activity will bless each
participant with financial favor in His eyes. To completely understand
the activity first one must subscribe to Luke 6:38. Secondly one must
understand how organized giving and receiving invokes God’s Promise
through the organization of giving and receiving. In this activity one
freely and voluntarily gives a gift to a person assigned by the activity
to receive your gift. The activity will bless you with a voluntarily and freely given gift. So in simple
terms: you give one gift and receive gifts multiplied back to you
through organized giving and receiving activity. This is an
important action to understand because what comes next determines the
success of the activity is based on how and when the steps
are achieved.
The truth is now evident to each
of us as participants in the activity. We are blessed with a Seven-Fold
return of our gift in the activity. One must now ask how this is
possible? The success of each participant and the longevity of the
activity are singularly based on each and every participant sharing this
activity and inviting new participants. This is not man’s requirement as
was written into the activity, but is God’s plan and necessary for
everyone’s success. As a benefit, we move rapidly through the activity
to obtain a Seven-Fold blessing and achieve God’s greatest blessings for
obedience again and again.
Giving is pretty straightforward. There is no guarantee that we will
receive a reward for doing good on this earth. We must understand God Is
God and He will add the increase. The will of God is very intricate so
we cannot, being of finite minds, expect to understand the details.
There is no means for us to expect God to meet our personal expectations
by and through our participation. When sufficient givers are
invited to participate we can expect to be blessed and receive a
Seven-Fold gift.
If spreading the 'Good News' of
the 'Seven-Fold Gift' becomes stagnant and everyone remains in place
with no forward progression towards obtaining God’s financial favor then
the tree will bear no fruit. So please understand this. If you feel
inviting others who could benefit by God’s promise is a burden for you,
then, this activity is probably not for you, as you will not
successfully make the journey to the Seven-Fold gifts.
This belief is best described in
our Bible in Luke Chapter 6, verse 38 which clearly states,
"Give, and it shall be given unto you, good measure, pressed down, and
shaken together, and running over, shall men give unto your bosom. For
with that same measure you mete withal, it shall be measured to you
again."
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The Tender Hearts activity was developed by like minded
people who decided to pull their efforts together and make a difference
by starting an activity to help each other out financially.
The Tender Hearts activity is not only a "Proven"
model for the orderly structure of sending and receiving gifts, but it
has been around for many years because it continues to be a "Powerful"
alternative to help people receive an influx of cash into their homes
quickly.
There are many people who have a sincere desire to help others but may
not know exactly "how" they can. The Tender
Hearts activity is a wonderful process that allows people to
(first) help themselves and then as they become stronger, they’re able
to help others by introducing them to the process.
After you begin participating in the Tender Hearts
activity, you could immediately and dramatically change your Financial
situation within a very short period of time. As your life begins to
improve financially, you’ll want to share this activity with as many
people as possible so they too can experience some financial relief.
You’ll come to understand why it’s called "Tender Hearts"
because this activity makes it so simple to become financially blessed
very quickly.
Here is the
Tender Hearts process...
You first make the conscious decision to participate in this "Private",
"Invitation Only" activity. Then, you are directed to "Join"
and will be presented with the name and mailing address of the person to
whom you send your first cash gift of $1000 to. After your gift has been
received and confirmed by your Gift Recipient, you will be placed in
your inviter’s Cycle of Giving.
New members are invited to participate in the activity by receiving
private invitations from current Tender Hearts members
or KindredHeartsTeam members only.
Once you have accepted your invitation and have sent your first gift,
you will see your name at the top of your Cycle of Giving.
The levels in your Cycle are filled from the new members you invite into
the activity and from other members already in the program.
After your inner levels are filled with members, you will start to be the
"Receiver of Gifts" from new members who fill the outer
ring of your circle.
When all 8 positions of your outer ring are filled, you
will have completed your circle and can choose to participate in the
Circle of Excellence and start again in the middle of
new circle.
Members who you have personally invited into the Activity will continue
to follow you every time they complete their circle. This process
repeats itself again and again.
All members take turns giving and receiving and all members participate
in growing the activity by inviting others to participate.
You can see exactly how you progress through the levels by visiting the
"How It Works" below and on this page.
Do you
think you can do this?
Absolutely you can!
By participating in the
Tender Hearts "Private Activity", you could
realize the true greatness that is not only within you but that is
within so many other people as well. The Tender Hearts
Activity is all about … People Helping People. By participating in this
community, you could create positive changes in your Spiritual and
Financial future.
NOW is the time
to take action!
The person who invited you to Tender Hearts Today is
ready to help you take the next step and make one of the "Best Decisions
of your Life"!
You’ll Be Glad
You Did!
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How It Works
The Tender Hearts activity has one Cycle of Blessing.
Everyone who participates in the activity enters in the first cycle -
the Cycle of Giving. After a you have completed your
Cycle of Giving, have received your 8 gifts and have
invited 2 members to participate in the Cycle of Giving,
you will be invited to participate in the second Cycle... the
Cycle of Excellence. Both of the Cycles are Re-Cycling Cycles
and you can, if you choose, re-enter into them after you fill them to
create an un-limited flow of cash gifts into your home.
All the members you personally invite into the activity are coded to you
and will follow you through each Cycle.
Here’s how the Tender
Hearts program works
The Cycle of Giving
The Cycle of Giving
starts like this... you join and are presented with the name and address
of a member to which you send a $1000 gift to. Then, you invite two
people who need help and want to participate in giving and receiving
financial blessings and you’re on your way!
You will soon start to see the levels of your Cycle begin to fill as
more people accept their invitations to participate and join the
community.
After the 2 levels of your Cycle are filled, the next 8 people will be
presented with your name and address to send you a gift of $1000 each...
for a total of $8000.
Once you have completed the
Cycle of Giving , you will be invited to participate in
it again and again by sending a $1000 gift to another member in the
Cycle of Giving. If you choose to Re-enter into the
Cycle of Giving, you will always follow your Inviter.
THE CYCLE OF EXCELLENCE
If you decide to participate in the
Cycle of Excellence,
you send $3000 to a member in the Cycle of Excellence as
a gift. As your personally invited members fill their Cycle of
Excellence they will also have the option to participate in the
Cycle of Excellence and if they choose to participate,
they will follow you in your Cycle of Excellence which
helps you fill your Cycle faster. After your two levels are filled, 8
members will be presented with your name and address to send you $3000
each as a gift, for a total of $24,000.
Before you receive the invitation to participate in the Cycle of
Excellence, you must have invited at least 2 members in the
Cycle of Giving. Remember, the more people you invite
to the activity, the more people will follow you through the Cycles,
which can put you in the receiving Cycle faster.
Once you have completed the Cycle of Excellence, you
will be invited to participate in it again and again by sending $3,000
to another member in the Cycle of Excellence as a gift.
THE CYCLE OF
GRACE
If you decide to participate in the
Cycle of Grace,
you send $5000 to a member in the Cycle of Grace as
a gift. As your personally invited members fill their Cycle of
Grace they will also have the option to participate in the
Cycle of Grace and if they choose to participate,
they will follow you in your Cycle of Grace which
helps you fill your Cycle faster. After your two levels are filled, 8
members will be presented with your name and address to send you $5000
each as a gift, for a total of $40,000.
You will receive the invitation to participate in the Cycle of
Excellence, since you have invited at least 2 members in
previous cycles. Remember, the more people you invite
to the activity, the more people will follow you through the Cycles,
which can put you in the receiving Cycle faster.
Once you have completed the Cycle of Grace, you
will be invited to participate in it again and again by sending $5,000
to another member in the Cycle of Grace as a gift.
You will quickly see how "Blessed" this
activity really is
because all the members take turns sending and receiving gifts.
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Tender Hearts Boards 5863364165
(Example Board)
There are three
different Cycles of Blessings.
The First Board
is the Cycle of Giving. The blessing is $1000.
The Second Board
is the Cycle of Excellence. The blessing is $3000.
The Third Board is
the Cycle of Grace. The blessing is $5000.
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Here is How it Works!
You enter a (1) one
time gift to enter the desired 2x3 matrix board(s).
When the
Tender Hearts
2x3 board fills up, you will have received seven times the original
gift plus a
re-entry under your sponsor.
You must enter through your
Tender Hearts Team sponsor and
have two invitees to join this matrix. The eight gifts
will be directed to the Senior (You) in the diagram below.
Upon the
completion of each cycle you will re-enter under your sponsor again into
a new 2x3 board with the same blessed amount. Members
will always follow their inviter.
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Please note that the Tender
Heart Matrix fills in from top to bottom one level at a time, left
to right one position at a time based on personal sponsorship.
Additionally, all new sales go into the Tender Hearts Matrix from
your personal sales efforts, team sales efforts, re-entries, and
spillover from your upline sponsors. That's why Tier 1 moves so
quickly!!! It's a team effort!!!!! Just focus on One Matrix and as
you and your team push through Tender Hearts over and over again. |
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We have three different
( 3)
2x3 matrices boards.
Each 2x3 board operates the same. The
$1000
board (Senior) receives $8000,
from (Freshman)
re-enters into a new $1000
2x3 board
again & nets
$7000
Over and Over again.
As you can
see you have leveraged your $1,000.00
one time gift into $7,000 in your pocket.
That's right! Each 2x3 matrix
yields $7,000.00
Over and Over Again.
All for only a (1) one time gift
of $1000. You are now qualified to enter the following boards by
following the simple directions above.
The
Second Board is the Cycle of Excellence. The blessing is $3000.
The Third
Board is the Cycle of Grace. The blessing is $5000.
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Frequently Asked Questions
What is Tender
Hearts (TH)?
Tender Hearts TH is a
systematic approach that will accelerate the person-to-person act of
giving. We are a private community of friends who serve each other by
way of “unselfish giving”…. without regard to receiving in return.
We are not associated with any services. Our activity does not involve a
company, nor is it a membership. It is simply an activity of friends
helping friends and friends of friends.
Is it true with
the TH system, I will have 100% of my gift returned to me on my third
referral?
YES! That's the
cool thing about the TH system. Sometimes you need to help
yourself first. It makes your vision clearer. It also shows
you that the TH system really works. You can see the details in
the tracking system overview. It essentially works like this...
You refer your third person. They will gift to you the amount of
the level they joined. As long as you are participating at that
level, it just so happens that it is the same amount you sent to help
someone else!! You have now experienced the Tender Hearts concept.
I'm from another
country. Can I participate in TH?
Yes! TH welcomes
people from all around the world.
Are there any
hidden fees?
Absolutely not.
How and when do I
receive my gift?
You receive your gift
immediately and directly from the mutually agreed upon method between
you and the person giving.
Can I have more
than one account?
Yes. You may have as
many as you like, but you only need one.
Will I be able to
see my referrals or change my details?
No. For privacy
reasons. You can view and email your personal referrals only.
Do you provide
support?
Yes. We provide
unlimited support (within reason). Your sponsor will be your first
contact. Please read the entire website before asking for support.
How long will this
take to set up?
Your site is set up
within 24 - 72 hours! The Board is updated 24/7 - Monday to Saturday
with the exception or holidays.
Do I need a domain or web hosting account?
No. Your site will be
ordered when you join with your user ID to track your efforts, so all
gifts go directly to the appropriate person. You simply give out your
information and the support team takes it from there.
Do I have to join
all of the processors you offer?
No. The vast majority
of people send cash. There are other options for the exchange of
the gift/pledge but these are to be mutually agreed upon by receiver and
sender. There are many choices to process gifts. It is the
receiver's and giver's responsibility. The support team does not
get involved in personal preferences.
Can I get a
refund?
Your membership is
non-refundable. All gifts/pledges are final. The reason for this is due
to the nature of the gifts and lease payments.
Since TH is a
concept and NOT a company, who can we hold accountable?
Ourselves. People
participate of their own free will. TH utilizes a web presence
that directs member's to information. Everyone is personally
responsible. It has no biases, no agendas, makes no mistakes and treats
everyone the same from top to bottom, whether they live in Peoria,
Illinois or a remote village in Outer Mongolia. Human error and
misconduct have not been eliminated. The voluntary support staff are
readily available to answer questions and solve any problems, etc. TH is
an activity for people with a computer and an email address. It is
intelligent and sophisticated yet is wonderfully simple. Anyone that has
access to a computer and can read an email can grasp this program in its
entirety in short order.
What if I invite
someone do they follow me?
Yes. If someone you
personally invite participates, they will always follow you when they
cycle. But it is important that you keep that in mind if you do not
receive a gift from them that is normal. This is not a matrix
cycler program. On a personal note, after almost 20 years of
participation and research, it is very rare indeed that people are ever
lost. It happens, we are human. We will correct any mistakes
we make. However, if it does, the member does get a replacement or
the person invited.
Is it mandatory to
go up to higher levels?
No not at all.
This is totally up to you when and if you go up to the various entry
levels.
TH is a gifting
program. Is "gifting" legal?
Churches, civic
groups and people of like mind, have participated in organized gifting
activities for over 300 years. The "structure" of the activity
determines whether or not it is legal. ANY so called "business" that is
a ponzy or pyramid scheme (where only people at or near the "top" make
money) IS illegal. TH is neither and therefore, is legal. You can
see the law regarding giving up to $12,000 to anyone, tax free per
year
here.
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FREQUENTLY ASKED QUESTIONS ABOUT GIFTING
What is Cash Gifting?
Private cash gifting is a concept embraced by private groups of
individuals and has been in existence for many years. Our private
activity does not involve network marketing, multi-level marketing, or a
business or commercial activity. There are zero business transactions,
investments and/or securities involved in this activity.
Gifting as a concept is based on the idea of charity and philanthropy.
We are a group of individuals who have come together to help one another
prosper through our group dynamic and team support. Our Cash gifting
program is not a "Get Rich Quick Scheme" based on greed and selfishness.
We have come together for one reason: To help "other" people prosper,
and as result, receive prosperity ourselves through our "gifting
forward" approach.
Is Cash Gifting legal?
In researching this activity, it's important to keep in mind that there
isn't a book out there that tells you what is legal in our society, only
what is not legal. (This is true for every country around the world that
is participating in Gifting).
If you do your research online, you're going to see there's really
nothing saying that cash gifting is illegal. Most of the time it's
people expressing their personal opinions, not facts. And after years of
experience and thorough research, no one has been able to show us ANY
law in black and white stating that giving a cash gift is illegal.
In fact, we learned that both American and Canadian citizens have the
Constitutional right to gift property, cash and other assets. Many other
countries participating in cash gifting also have very similar gifting
laws.
In the United States we have the Preamble, the Constitution and the Bill
of Rights to protect a private citizen's rights to earn, pay taxes and
give away property and cash as long as it's done according to the laws
and codes of this country. The U.S. gifting rules are found in the IRS
Tax Code, Title 26, Sections 2501-2504 and 2511.
In 2008 in the United States of America, the law states that one or more
individuals can give a cash gift to another individual of up to $12,000
each per calendar year without any tax liability to either the giver or
receiver of the gift, because the tax on the gift has already been paid.
Even with this exemption, you can still receive unlimited amount of cash
gifts at any level.
We also found that most well organized Cash Gifting programs require
each participant to use some form of a Gifting Statement and/or
Non-Solicitation form, which when signed, become binding agreements
between two private individuals. These forms are used to ensure the
longevity and legality of a gifting program.
So giving a gift of cash to someone, be it a friend, family member or a
stranger is legal according to IRS code. Again, there's no specific
nation-wide law that we've been able to find to say that cash gifting is
not legal.
Is this a pyramid?
Not at all! A pyramid is associated with an investment scheme, a company
or a business. We are not a company, just a private sharing club. We
have zero sales quotas, we do not sell positions and we do not have an
ever-widening base to the structure, which just keeps going and going. A
pyramid never allows anyone coming in on the bottom to ever reach the
top. Everyone gives the same gifts, works together in a team, and
receives the same gift. In a pyramid, only those at the top profit while
those at the bottom never reach the top. In a pyramid, people can and
have lost their money.
How did this concept begin?
Giving private gifts to one another is an expression of kindness, which
has been going on for centuries. Very much like the traditional "Barn
Raising" where an entire town would come together to help a family in
need. The combined charity and synergy of people helping each other can
create miracles! Governments have allowed its practice for individuals
to share their wealth with families, friends and others. It has been a
means of helping and blessing others on special occasions or when the
need arises.
Many cultures gift as a matter of course. Asian, Jewish and South
American communities gift individuals within their culture on a regular
basis so that they may start a business or buy a home. They in turn gift
someone else to help enhance their lives. Habitat for Humanity is a
great example of private gifting. Everyone participates with their time,
their talents and materials to build a home for someone else. Some
participate with a hammer, some with nails, some with food and others
with the monetary gifts to purchase the supplies, but all create a team
that works together to bless someone's life.
How does Cash Gifting work?
This activity is offered only by means of an exclusive one-to-one
invitation. When someone accepts the invitation, they move through a
natural progression from the giving to the receiving stage of the
activity. In this activity, there is no fixed hierarchy of individuals
who have an advantageous position or unfair advantage over new
participants.
Who can participate?
As stated above, this is a private sharing group, and is offered only
through an exclusive one-on-one invitation to individuals over 18 years
of age. You are invited to learn more about our activity and become part
of something extraordinary.
Anyone can do this. Whether you are currently employed part-time or
full-time, unemployed, retired, disabled, a student, single parent or a
busy housewife, our amazing program will help you generate cash
delivered directly to your door!
Can I have more than one account?
No. There is no need to have multiple accounts. Each time you complete a
Cycle, you will be able to re-enter again and again. So you only need
one account to be able to cycle multiple times. We would like to limit
the membership to one per household. That way more members will be able
to receive gifts quickly.
I’m broke. How can I give someone a Gift?
Napoleon Hill in his famous book "Think and Grow Rich" said a BIG secret
to wealth was OPM! Using other people’s money! How bad do you want
success!? Get creative. (Maybe your can borrow $20 from 10 friends….or
$40 from 5 friends.)
Is this a company?
No, there in no company. We are a team of individuals and we give
"Gifts" to one another. We are not a business or an investment. A
company can’t withhold or misplace our gifts. We are totally in control
and in charge of our own gifts and gift directly one to another.
How can you give to a stranger?
How many times have you given to United Way, the Salvation Army and
other charities? You don't know who got the gift. The only difference
here is that this person will start out as a stranger, but you will get
to know them as part of the team, work with them and perhaps develop new
friendships.
Why would I want to participate?
"Gifting" has changed countless lives for the better. People who were
about to lose their cars and homes have been saved from financial ruin,
college education's have been made possible, and nearly forgotten dreams
have come true, all from participation in "Gifting". "Gifting" is the
fastest way we have found to legally and ethically generate cash.
Can I do this part-time?
Yes. Many people easily work this activity around their existing
schedule. It's a matter of setting priorities and fitting this into your
current lifestyle.
Do I have to be a salesperson to do this program?
Not at all! There is zero selling or pressure. It is simply a matter of
sharing this program and inviting others to participate. We encourage
all members to invite at least 2 people to join the activity. If
everyone invites at least 2 new members to the activity, then the
sending of gifts continues at an even pace. There is no need to invite
more than 2 people, however, the more people you personally invite, the
quicker your cycles will move.
Can I join at any level to begin?
Everyone must begin at the $1000 Cycle of Giving. After filling your
Circle of Giving, you may be invited to participate in higher levels.
You must have personally invited at least 2 members and have completed
the Circle of Giving to be invited to participate in the higher levels.
Once you have completed the Cycle of Giving you can choose to
participate in it again and again.
Are there any administration fees?
No. We do not have any administration or website fees of any kind.
Volunteers manage and participate in Tender Hearts.
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GUIDELINES
Sharing the Tender Hearts program today is by personal, one-to-one,
private invitation only! Privacy is paramount.
There are No Organized Gathelevels of any kind such as
hotel or restaurant meetings, for the purpose of inviting participants.
Such gathelevels would violate the privacy of the activity and give the
appearance of commerce or trade.
Within 24 hours of accepting an invitation to join the activity, the new
participant should send their gift to the assigned Tender Hearts gift
recipient. The new participant will send the gift along with a signed
Gifting Statement and Non-Solicitation Agreement, via private overnight
courier, such as FedEx, USPS, DHL, UPS, etc.
The new participant must provide tracking information from the courier
showing that the gift has been sent in order to let the gift recipient
know that the gift is on the way. If no tracking number or gift is
received within 72 hours of accepting an invitation, the gift recipient
can take over your account and assign it to a new member.
In this private activity, gifts are given freely and without
consideration. There is to be absolutely No Selling. A
gift does not involve the selling of anything and does not earn rights
to anything. Therefore a "Gift" cannot be sold or exploited for any
purpose.
There is to be No Solicitation of participants in this
activity for other interests, activities or businesses. Participants
must always respect the privacy of the activity and its participants.
Any participant found to be in violation of these guidelines will be
uninvited and removed from the activity.
Terminology
In communicating with others, it is VERY IMPORTANT that
the appropriate terminology be used so as not to confuse this private
activity with activities of commerce.
Participants in the
activity DO NOT use the following terminology:
Investment
Paid Earnings
Make
Profits
Dividends
Took In
Play the house
Guarantee
Earn
Getting Paid
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Player
Down-line
Up-line
Return
Paid off
Assured Buy
Multiply your money
Recruit
Income
Payout
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Net
Paid out
Sponsor
Sign-up
Guarantee
Play the board
Sure bet
Pay
Buy-in
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Participants in this
activity May use the following terminology:
Gift
Give
Receive
I have gifted
I have received
Participation
Golden Rule
Invited by
Constitutional Rights
Sharing
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Participant
Giving
Free association
Gifter
Helping others
Right to give
Giving
Nice people
Register your gift
I gave
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Associates
Fellow man
Kindness
Caring
Activity
Family
Community
Invitation
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DISCLAIMER
Welcome and thank you for visiting
Tender Hearts. Tender Hearts is a private association of consenting
individuals 18 years of age and above who willingly and knowingly have
come together for charitable purposes. Participants have chosen to
exercise their right to freely give to others who have joined with the
same purpose and understanding. Access to the the Tender Hearts
community platform and participation in the activity are by DIRECT,
PERSONAL INVITATION ONLY.
Please know that Tender Hearts is not an investment club of any kind
whatsoever. There are no investments here, no paychecks, no products or
services to sell, no seminars to attend, no tapes or manuals to buy, and
no member MAKES or EARNS any money. There are no profit making benefits
of any kind associated with this activity for its members. No benefit or
return of any nature is expressed or implied and no promises or
guarantees of any such return are permitted to be made by any
participant of this activity.
Guidelines have been established to maintain the integrity and high
standards of this activity and to enforce respect for participants.
Participants are prohibited from representing the activity of Tender
Hearts as anything other than as stated above. Maintaining the integrity
of this activity and the privacy of its participants are foremost to
ensure that this activity remains viable for the long-term.
Internet opportunities derived there from, have unknown risks involved,
and are not suitable for everyone. Making decisions based on any
information presented by Tender Hearts Members about our community,
should be done only with the knowledge that you could experience losses,
or generate no benefit at all.
You agree that Tender Hearts is not responsible for the success or
failure of your personal decisions relating to any information presented
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