invest better, spend smarter blog published by eSagePrime.

invest better, spend smarter blog published by eSagePrime.eSagePrime Company (“ESPC”, “we”, “us” or “our”, as appropriate for the context) provides consumer research and financial information through its various websites and blogs (eSagePrime.com, InvestBetterSpendSmarter.com, and others).

None of our websites, blogs or other informational materials, or the content contained or published therein (“websites”), provide (or are intended to provide) individual investment advice to our subscribers, members or other users who access our sites.  We conduct research on consumer matters and provide educational information to enhance the user’s experience.

Subscribers, members or other users who access our websites (collectively referred to for purposes of breadth and convenience as “subscribers”) should be aware that investment markets have inherent risks and there can be no guarantee of future profits.  The past performance of any investment or strategy does not assure future results for any investor.  We publish information based on our opinions, our statistical and financial data analysis, and independent research.  We obtain research from public sources and from private sources to which we subscribe or contract.  Although we make every effort to provide the most accurate and updated information possible, our information does not take into account your personal finances and goals, and therefore is not intended to be used, considered or treated as customized investment advice.  The ideas and suggestions which we provide should be treated as educational information to supplement (and not to replace) your own due diligence, research, investment experience and spending strategies. We strongly recommend that you consult with a qualified and competent financial advisor if you wish to obtain customized investment or spending advice.

The proprietary ideas, analysis and other content published on our websites is for the exclusive use of our subscribers, each of whom voluntarily chose to receive and view this information.  Subscribers can unsubscribe at any time by clicking the following link: unsubscribed (click). 

ESPC does not and will not receive any direct compensation for the content published on our websites. However, our company may receive payment from other sources (e.g. subscribers, advertisers, other third parties).  Importantly, we do not receive any direct compensation from or in connection with any particular investment idea that may be presented on our websites. Our investment ideas are generated through independent research and are not impacted by any advertising, affiliate, and/or joint venture relationships with any companies. Our analysis of any company as a possible investment opportunity is independent of any financial arrangement and is based solely on that company’s total business prospects and has no relationship to its advertising placements with our publications or any other publications. The companies that are presented as investment ideas may advertise their products and/or services through our publications. Such compensation, if any, is incidental and not a direct relationship to our analysis or presentation of the companies as investment ideas. An example would be Disney, where we may solicit and/or accept advertising from Disney and also present it as an investment opportunity. In this example, our suggestion of Disney as a possible investment opportunity would be unrelated to and independent of the advertising relationship between ESPC and Disney. However, whenever these dual scenarios may occur we shall endeavor to use our best efforts to disclose such ancillary relationships. There are times when advertisers will sponsor a featured article that reflects the interests of that advertiser. When these situations occur, we will endeavor to use our best efforts to disclose such advertiser sponsorships.


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Jim Tso wants to “give back” and share his 35+ years of successful personal money management experience to help others to achieve their financial goals. Jim created this InvestBetterSpendSmarter blog (IBSS) to provide you with free investing, planning, savings, retirement, and inspirational tips derived from his unique, innovative, and proven approaches to money management. He welcomes and appreciates your feedback.

Jim would also appreciate it if you would kindly share our IBSS website and blogs with your family, friends, and business associates. Thank you!

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