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Risk and Liability Disclaimer

Visitors to this web site hereby acknowledge that they fully understand that the risk factor is extremely high in currency trading and that only 'risk' funds should be used in such trading.

Before deciding to participate in Foreign Exchange (FX) trading, you should carefully consider your investment objectives, level of experience and risk appetite. Most importantly, do not invest money you cannot afford to lose and live comfortably without.

If you don't know what you're doing when trading Forex at 400:1 leverage or higher, you could wipe out your entire account in a single trade. (OK, maybe two trades).

Of course, there is risk in all forms of investing, even in a mutual fund. That is why those who do not understand what they are doing probably should not have been doing it in the first place. After all, who among us would attempt to fly an airplane without knowing how the controls work? Yet every day thousands of eager hopefuls the world over open Forex trading accounts and fly them straight into the ground.

The Greater The Risk, The Greater The Potential Return
If you want 1% per year, you can get a nice bank CD. At an estimated annual U.S. inflation rate of 5%, that CD will start going backwards in approximately 72 days. If you want a potential return of 1% or better per DAY, learn how to trade Forex. Just don't trade the rent money. 

Leverage
Forex trading offers extraordinarily high leverage. For example, when trading a mini contract in the euro/U.S. dollar (EUR/USD) currency pair, you are controlling $10,000 worth of euros on a $200 margin. That's 50:1 leverage. Archimedes would have given an eye tooth for that kind of leverage! However, leverage can be a "double-edged sword." Leverage can work for you, or it can work against you, meaning that any market movement, whether profitable or unprofitable, will have an equally proportional effect on your deposited funds.

Yes, We Have No Insurance
Forex trading position investments are not FDIC insured. Nor, to our knowledge, are they covered by any taxpayer-funded insurance program. If you manage to blow up your entire Forex trading account, don't expect the President to declare your home office a federal disaster area.

Opportunity
Trading in the Foreign Exchange market is a challenging opportunity where extraordinary returns are available to educated and experienced investors who are willing to take above average risk. In fact , you make so much money it can boggle your mind. Which is a very bad thing. Because traders who make a lot of money right away get sloppy and overconfident. So the market slaps them in the face and reminds them who's in charge!

There Is No Magic To Trading Forex
There is no trading "system" that will always work, in all markets, under all conditions, no matter what, forever and ever, Amen.

If you are the kind of person who is inclined to believe such things, we have some lovely oceanfront property in Kansas to offer you. 

If you want to make money trading Forex, you need to know what you are doing. No expert is going to come over to your house every day, sit down at your computer, grab your mouse, log in to your trading account, and put 'Magic Pips' on the board for you. You're going to have to do that all by yourself. 

If you find yourself tempted to spend several thousand dollars for a magic trading system (advertised on TV!) that purports to alert you when to "BUY!" or "SELL!", you are in for a big disappointment. If Forex trading were that easy, J. Fred Muggs would be a billionaire.

No "safe" trading system has ever been devised and no one can guarantee profits or freedom from loss. In fact, no one can ever guarantee to limit the extent of loss.

Holding Us Harmless
This is where we get to the really juicy stuff. Any visitor using information from this web site for trading purposes is responsible for his/her own actions. The visitor to this web site confirms that there have been no promises, no guarantees and no warranties that the trading of currencies will result in a profit or will not result in a loss. Results can and do vary between individuals. The information contained herein is subject to change without notice and was obtained from sources believed to be reliable, but is not guaranteed as to accuracy or completeness and in some cases may contain errors. Any techniques or methods presented are those that have been found to work in the past but may not be indicative of future results.

The visitor to this web site agrees to indemnify and hold The Institute of Higher Earning (henceforth, 'IOHE') and/or any of its independent agents harmless from any and all losses, costs, liabilities, or indebtedness arising from any information they may share with visitor such as, but not limited to, trading techniques, names of books, software programs, training courses, brokers, dealers, money managers, ISP companies, and data feed companies.

The visitors is encouraged to perform his/her own due diligence on any company they intend to do business with prior to any purchase or opening any account. Visitors also acknowledge that they are aware that, at times, hypothetical performance results may be posted on the web site or transmitted to the visitor by another method and hypothetical performance results may have inherent limitations.

No representation is being made that any account will or is likely to achieve profits or losses similar to those shown as hypothetical performance results. There is no guarantee that readers of this document or our websites will make money. Readers use the information and links entirely at their own risk. IOHE does not accept liability in respect of any loss or damage arising from or in connection with any use of the information on or accessed through our information or websites.

Who We Are And What We Do
The owners and staff of IOHE are graduates of The School of Hard Knocks where the tuition is a lot more expensive than four years at Harvard. We are investment researchers who have learned a thing or two about trading and investing, and enjoy sharing our knowledge with others. We are in the business of teaching the mechanics and the psychology of sound Forex trading and money management. We teach. You learn. You trade. You either make money, or you lose money. Life is all about taking personal responsibility. Subject to regulation, of course.

Who We Are NOT, And What We Do NOT Do
IOHE does not give advice, financial or otherwise, nor do we make specific trade entry or exit recommendations. The visitor acknowledges and understands that the parties providing the information on this web site are not CTA's (Commodity Trading Advisors), Commodity Brokers, Financial Advisors or licensed persons of any description, and further understands that IOHE is not a broker, dealer or licensed investment advisor. No staffer or person associated with IOHE and should be considered as permitted to engage in rendering personalized investment, legal or other professional advice as an agent of IOHE.

IOHE will not be held responsible for the reliability or accuracy of the information available in any of our courses or materials. The content provided is put forward in good faith and believed to be accurate, however, there are no explicit or implicit warranties of accuracy or guarantees that readers will make profits. The reader agrees not to hold IOHE andor any of its affiliates, liable for decisions that are based on information received from us.

The visitor further acknowledges and understands that we do not advise anyone whether or not to take any particular position(s) in the market. We accept no liability whatsoever for any loss or damage that may directly or indirectly result from any trade(s) a student may take. All trades and investments that our students may decide to take are understood to be based upon their own final decisions.

No statement or expression made on this web site or in any of our printed materials -- or in any utterance uttered by our utterly terrific instructors -- is, or should ever be, construed as investment advice, or as a solicitation or recommendation to establish any particular market position(s). We are not in the business of marketing or teaching a "system" hypothecated to guarantee any specific performance or results. 

Hypothecation
While every effort is made to evaluate the actual experience of our students, all performance figures must be considered hypothetical, and past results are no guarantee of future performance. That's because the past is no guarantee of the future. In fact, according to Einstein, there is no past or future; It's all an illusion. So be careful out there. And remember, those who forget the past are doomed to repeat it. 

Your Are In The Drivers Seat
Investments in Forex trading positions may lose value and there is no guarantee of a positive return. Do not trade money you cannot afford to lose and live comfortably without. In fact, a person who does not have extra capital that they can afford to lose should not trade in any currency market. Forex currency trading is a form of speculation where you are not depending upon a total stranger to either make you rich or lose your money as is the case with mutual funds. With Forex, you can lose your money all by yourself because YOU are the fund manager. However, you can lower your exposure to risk by employing risk-reducing strategies such as "stop-loss" or "stop-limit" orders. Or you can trade without them. You can also drive without a seatbelt. It's your call. Your hand is on the tiller. Your finger is on the mouse. Caveat Mercator! (Trader Beware)

Practice Makes Perfect
What you put into our courses is what you will get out of it. Mom always said "Practice makes perfect," and Mom was wrong!!! That's right, because only perfect practice makes perfect. Practice doing something the wrong way and you can become an expert at doing it wrong. Correct practicing with your demo account will turn you into the perfect demo trader.

Too bad you can't spend those demo dollars anywhere. So you decide to take the plunge and go "live" with a real trading account. You sit down and make your very first trade with real money. You've picked your trade carefully and are absolutely certain that the market will agree with you and that the price will go in your direction: Up. And you were right! It does go up, for exactly one candlestick. Then it turns around and starts to plummet, straight Down.

Because you didn't know that you will always have a certain amount of losing trades, because you don't know how to set protective exit stops, because you don't know how to get out of a trade immediately with a small and acceptable loss, and because you risked far too much of your entire account on that one single trade (... and you are starting to realize that), suddenly everything you learned goes right out the window as sheer panic overwhelms you.

Your brain freezes, your forehead beads with perspiration and your eyeballs bulge out of their sockets as you clutch the mouse and stare at the screen in sheer terror, watching those horrid red candlesticks coming at you from the hard right edge of the screen!!! Not really.

You see, you are a Student of the Institute of Higher Earning. You know that you will always have losing trades. No big deal. You know when and how to use protective sell stops. You know how to exit quickly and safely. And you know how to calculate how much risk exposure you should ever subject your account to on a single trade (probably in the range of 2%). Because of all these things, you are cool, calm and collected. You are a good student who paid attention to your instructor. And to Mom!

It's Up To You
We believe that our students need to be taught how to be in charge of their own financial future, and to know very clearly what they are doing. Which is why we teach a "stick and rudder" approach to Forex trading. Depending upon others to earn money for you is a passive attitude. We believe that when it comes to your finances, no one is ever going to care about your money, or your financial future, as much as you do. Taking an informed, proactive approach to your finances is the only path to true financial stability. Those who pay close attention to what we teach and put it into practice will very likely make more money than they lose. If they do that consistently enough, they could even become wealthy. 

Other Potential Hazards
The possibility exists that you could sustain a total loss of initial margin funds and be required to deposit additional funds to maintain your position. If you fail to meet any margin call within the time prescribed, your position will be liquidated and you will be responsible for any resulting losses. Consider also the possibility of software and/or hardware failure. There are risks associated with utilizing an Internet-based deal execution software application including, but not limited to, the failure of hardware and software, or, in the event of a major act of international terrorism, the failure of the entire Internet itself! Also, consider market volatility. Any transaction involving foreign currencies is exposed to risks including, but not limited to, the potential for changing political and/or economic conditions which may substantially affect the price or liquidity of a currency. 

There are even "acts of God" to worry about. A micrometeorite traveling through Deep Space for eons could enter Earth's atmosphere and strike your computer right in the middle of a profitable trade! For this reason and others we can't even begin to imagine, every intelligent trader needs to have contingency plans to minimize such risks, such as a well-developed habit of always writing down every trade in progress on a sheet of paper, and knowing the telephone number to the trading desk.

It's your Parachute. You Pack It.
Now that we're all on the same page with regard to risk management, please allow us once again to welcome you to the wonderful world of Forex trading -- the world's absolute #1 most perfect home-based business -- where the prudent student can trade his way to wealth and time freedom. And there is no reason why that student cannot be you.
 

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