Welcome! The SUM180 community is intended to be a safe place for members to ask questions and share experiences and insights as they move towards their financial goals. We hope you will join us to share your triumphs or to vent; to give and get encouragement, to laugh, or to discuss any aspect of your financial picture.
The non-interference rule applies to SUM180 Client Advocates as well. Our SUM180 Client Advocates are paid by SUM180 to engage with you and share their insights as experienced SUM180 subscribers, but SUM180 does not control or edit what Client Advocates post. As part of our commitment to transparency, SUM180 Client Advocates and other paid members of the community will always be clearly identified as such in their profiles.
Removal of references to investment advice, investment advisory services, investment performace and other related comments or references from SUM180 community. Because we are not investment advisors and do not offer specific investment advice or recommendations to individuals, and because we want to ensure that at no time should any user, Member or client infer that specific investment advice is being given, we will remove all references to investment advice, investment advisory services, investment performance and other related comments or references from the SUM180 community.
Copyrighted or Trademarked Materials. When sharing content that you do not own yourself, please do not copy and paste the entire article or post. Instead, please share a short excerpt, credit your source, and include a hyperlink whenever possible.
Your personal information. Be very cautious about sharing personally identifiable information in the forums. Remember, anyone on the Internet can read your posts here. Never share information about your accounts on SUM180 or elsewhere, your passwords, or your Social Security number. To protect your privacy while sharing your questions and experiences, you may use a display name and member photo unrelated to your real identity.
Financial advice. We want you to freely exchange stories and advice in the forums regarding what works for you as you move towards you financial goals. However, please keep in mind that advice from other community members is not endorsed by SUM180. Also, please don’t ask SUM180 staff or FI4Me financial advisers to give you personalized financial advice in the forums. Our staff will share generally applicable tips and insights and will answer questions about how SUM180 service works, but if you need personalized financial advice, please use the SUM180 subscription service or schedule a consultation with an FI4Mefinancial adviser.
Personal attacks and abusive language. When you wish to share a perspective that differs from another member’s (and we hope you will!), please do so respectfully and constructively. We encourage debate, but our primary goal in this community is to learn from and support one another – not to “win” arguments. Personal attacks, abusive language, and antagonistic or disrespectful behavior (including slurs, hate speech, and attacks aimed at any race, color, religion, national origin, disability or sexual orientation) will not be tolerated and will be deleted.
Graphic photos or videos. Do not share sexually explicit, violent, or offensive photos or videos in the forums. Offensive or pornographic materials will be deleted.
Solicitations and promotions or ads. Don't ask other members for help in the form of money, gifts, or donations. You may post about your favorite charity, non-profit organizations, etc. , but it is not acceptable to ask another member for money, goods, or services. Similarly, do not spam community conversations with ads or links to your business. Mentioning your work when it is relevant to a conversation is fine, but unrelated promotions will be removed. You are welcome to include links to your professional website on your member profile page.
Phishing and other scams. Phishing, pyramid schemes and cash gifting scams are illegal. Posting information about these schemes anywhere on SUM180 is prohibited. Any such posts will be deleted.