Disclosure of Material Connection:

I frequently promote, endorse, or suggest products and/or services for sale that are not my own.

My recommendation is ALWAYS based on my personal belief that the product and its author will provide excellent and valuable information or service. This may be based on a review of that product, my personal or professional relationship with that person or company, and/or a previous positive experience with the person or company who’s product I am recommending.

In most cases, I will be compensated via a commission if you decide to purchase that product based on my recommendation. In some cases, I may receive the product for free for review purposes, or just to use. In most cases, I have used that product to my personal satisfaction in my own businesses.

IMPORTANT: Always Always ALWAYS do your OWN due-diligence before making any purchases, whether I recommend them or not. Never, EVER purchase anything that you cannot afford.

Avoid purchasing products that do not have a clearly stated Guarantee, or that promise ridiculous results, like “Getting Rich Quick”. Most people don’t do anything with the products they buy, and most of the time, their results are zero – kind of like that Bowflex that I bought that is now serving as a clothing rack… No, there is no such thing as a “Free Lunch”.

I am making this disclosure in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials.”

— RafaelGarrett.com uses affiliate programs for monetization, which means when you click on links to various merchant sites that I recommend in my articles and make a purchase, this can result in a commission that is credited to this site.

Even though I stand behind everything I promote, RafaelGarrett.com and the owner (Rafael Garrett) assume no liability for products created by third persons that are purchased outside of RafaelGarrett.com.