Privacy Policy

Who we are

Our website address is:

What personal data we collect and why we collect it


When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.

An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: After approval of your comment, your profile picture is visible to the public in the context of your comment.

Contact forms

If you contact us using any of the forms on our site, the contact form submission data — IP address, user agent, name, email address, website, and message — is submitted to the Akismet service (owned by Automattic) for the sole purpose of spam checking.

The actual submission data is stored in the database of this site and is emailed directly to Jerry Golden. This email includes your IP address, timestamp, name, email address, website and message.

By contacting us via this site, you are granting permission for Jerry to follow up with you and to be added to our mailing list. You are welcome to unsubscribe at any time.


To initiate and process subscriptions, the following information is used: your email address and the ID of the post or comment (depending on the specific subscription being processed). In the event of a new subscription being initiated, we also collect some basic server data, which is used for the exclusive purpose of monitoring and preventing abuse and spam.


If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.

Functionality cookies, like when you subscribe to our blog posts, are set for a duration of 347 days to remember a visitor’s blog and post subscription choices if, in fact, they have an active subscription.

Cookies are also used for remarketing purposes. We remarket using a Facebook pixel to share retirement income-related content and offers for this website as well as our partner website, To see how Facebook cookies are used and what data is received, refer to Facebook’s Cookie Policy at

To opt out of Google’s use of cookies on our site, visiting the Google Advertising Opt-Out page.

Embedded content from other websites

Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracing your interaction with the embedded content if you have an account and are logged in to that website.


We track analytics using both WordPress site stats and Google Analytics.

For the WordPress stats, the following data is used: your IP address, user agent, visiting URL, referring URL, timestamp of event, browser language, and country code. We do not have direct access to any of this information, however. For example, we can see that a specific post has 285 views, but cannot see which specific users/accounts viewed that post. Stats logs — containing visitor IP addresses — are retained by Automattic for 28 days and are used for the sole purpose of powering this feature.

To learn more about how Google Analytics collects and processes data, visit “How Google uses data when you use our partners’ sites or apps” at You may opt-out of Google Analytics by visiting the Google Analytics Opt-Out page.

Who we share your data with

This site is scanned for potential malware and vulnerabilities by Sucuri’s SiteCheck. We do not send personal information to Sucuri; however, Sucuri could find personal information posted publicly (such as in comments) during their scan. For more details, please see Sucuri’s privacy policy at

How long we retain your data

If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.

What rights you have over your data

If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.

Where we send your data

Visitor comments may be checked through an automated spam detection service.

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