Oil Markets Update 11 Oct 2015

Lower costs have brought about oil organizations to strongly cut spending

Prices for West Texas Intermediate crude oil (WTI)

Over the last 18 months, prices for West Texas Intermediate crude oil (WTI) have tumbled from a June 20, 2014 high of $107.26 to an August 24, 2015 low of $38.24. During this same period, prices for Brent crude (Brent) have ranged from a June 19, 2014 peak of $115.06 to an August 24, 2015 low of $42.69. The sharp drop in oil prices is largely attributable to increased supply rather than growing demand

Lower costs have brought about oil organizations to strongly cut spending – OPEC gauges worldwide oil ventures will be sliced by $130 billion this year – and the U.S. Vitality Information Administration (EIA) expects generation will be moderate level in 2016. Expanded proficiency and more noteworthy exertion with respect to oil organizations to penetrate wells in those parts of their oil handle that yield the best measure of raw petroleum will permit oil makers to build generation this year, despite the fact that spending is falling. Note that oil generation decreases after some time, as oil is a draining asset. Over the long haul, the measure of oil created from a given area drops. Lower spending today ought to at last make supply decrease. Less supply ought to result in higher prices.

In the price chart that follows, readers should note that Brent trades at a premium to WTI. This reversal from the historical trend (i.e., WTI used to trade at a premium to Brent) began in late 2010. This change is attributable to meaningful U.S. production growth as well as U.S. law, which generally prohibits U.S. producers from exporting crude outside the U.S. On the other hand, a finished product such as gasoline and jet fuel can be exported. This has benefited the operations of those companies that refine oil.

Oil Market update 11OCT15

On Friday 10/9/15, the House voted to lift the 40-year-old ban on oil exports. This ban was first instituted after the 1970s oil embargo that sent domestic gasoline prices skyrocketing. Many oil companies have been pressing the issue with Congress for more than a year. It is too soon to know whether this vote will lead to a law change, as President Obama has opposed oil exports. The passage may also be more contentious in the Senate.

Over the long haul, permitting export could have a positive effect. It would make oil showcases more worldwide. In addition, fuel prices depend on the price of Brent. The spread in the middle of Brent and WTI would hypothetically limit if WTI could be traded. This could bring about gas prices to fall. Actually, in September 2015, the EIA found that sending out oil could help lower gas prices.

The industry dynamics described above are important factors in DAJK GROUP’s decision to continue to hold investments in oil and gas companies even as prices have fallen.

Our focus is on what we perceive to be well-managed companies with strong balance sheets and efficiently run operations. These companies also pay generous dividends, which we believe to be safe as long as market fundamentals do not deteriorate markedly.

These dividends, in essence, allow investors to be paid to wait. This means their investments provide current income during a period when industry conditions are less than ideal. While such a posture can hamper short-term results, we believe it will serve investors well over the long term.


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DAJK GROUP is the place where investors, business owners, and entrepreneurs can research and find useful information, insight, resources, advice, guidance, and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Our group of expert Oil Trader, Commercial Real Estate Specialist, Asset Management, and Business & Financial Analyst, can help to answer all your questions and to provide you with investment alternative and options catered to your investment strategy.  Sign-up for a free 30-minute consultation with us now!

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Net Lease Investor’s Options and/or Alternatives

DAJK GROUP NNN

 

Net lease investor’s objective is:

1) his target CAP rate;

2) with high or with the lowest net lease management fee.

 

There is a San Diego-based Net Lease Management.

http://netleasedmanagement.com/

“Net Leased Management is a cost-effective administrative and management support solution for net-leased property owners. For a small monthly fee, Net Leased Management provides accounting services, monthly financial reporting, lease administration, property-tax compliance and insurance compliance; handles any landlord obligations; and conducts site visits as needed. We also provide access to a master insurance policy for investors to capitalize on bulk pricing and increased limits.”

 

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Please note a Higher CAP rate is higher the risk and more involvement with property management.

 

Is there any alternative without paying fee or paying the lowest to net lease management?

 

Yes, I highly recommend all our clients/investor to select only a true triple net lease or an absolute NNN lease.

The more fees investor is paying for a third party; his return of investment would be reduced proportionally as well.

In fact, different net lease investor has different investment objectives.  My task is providing all options both pros and cons and both advantages and disadvantages.

Strategically, when the net lease investor combines with his high taxable income with his net lease investment, it would be a greater benefit for him in a long-term investment.

This strategy would accomplish reducing taxable liability: converting his short term to long term gain which in turn will be taxed at the lowest tax bracket, his fixed income from lease revenue is a passive income to an investor.  [Learn more…]

I would inform all my clients about these options and they need to decide how they would like to proceed.

[Learn more…]

 

Growing, Evolving and Pushing Forward!

 

Related articles:

  1. Big Buyer of Net Lease Report – March 2015
  2. Top 6 Terms You Should Know Before Investing in net lease commercial real estate
  3. First Key selection of net lease Commercial Real Estate investment…?
  4. Net Leased Commercial Real Estate (NNN CRE): Step #2
  5. Should you invest in Net leased commercial Property? Or Multifamily or Self-Storage?
  6. How much McDonald invests in net lease commercial real estate?
  7. TOP Net Lease CRE Investment Books – April Selection! **Additional 10% discount!
  8. Case Study: Sale-Leaseback Technique of Wendy’s and McDonald
  9. What is an alternative investment real estate versus vacation home…?
  10. In Hong Kong, the “Mosquito Apartments” sells for $US 2,872 per square foot
  11. Net lease or Triple-net Lease is an Alternative Solution for Removing 12 Headaches in Real Estate Rental
  12. Net Lease Case Study: Family Dollar

 

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Our group of expert Oil Trader, Commercial Real Estate Specialist, Asset Management, and Business & Financial Analyst, can help to answer all your questions and to provide you with investment alternative and options catered to your investment strategy.  Sign-up for a free 30-minute consultation with us now!

Growing, Evolving and Pushing Forward!

For All Ages Teaching Young People about Money: Tips for Parents and Caregivers

Money Tips for Parents and Caregivers 2

 

Tips to help parents, guardians and caregivers show a child — from a preschooler to a college kid — why and how to become responsible with money.

It’s never too early or too late to introduce everyday financial concepts to a young person. And, you don’t have to be a financial expert. Here are tips.

Engage in regular conversations about money-related topics: That includes discussing with your child what you are doing, and why, when you manage money at home, around town or with the bank. For example, consider talking about similar products that have noticeably different prices at a store, and how you decide what is a good deal. And, you can explain that having a savings account at a bank has advantages such as income from interest, peace of mind of knowing the money will be there when you need it, and FDIC deposit insurance coverage for each customer up to at least $250,000 if the bank fails.

“If you are using plastic to pay for purchases, consider explaining the difference between a debit card, which is like writing an electronic check, and a credit card, which requires the consumer  to make a payment in the future,” said Luke W. Reynolds, Chief of the FDIC’s Outreach and Program  Development Section.

Even with automatic transfers, such as direct deposit of your pay, consider using your bank statements to show how money can move in or out of your account.

And, special times of the year — like during tax time or your workplace’s “open season” for selecting health insurance — present  opportunities to explain financial decisions.


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Consider giving an allowance as a teaching tool.  It can be a positive way to teach kids, even those who are preschool age, about money management. But before you give the first allowance, help your child decide how much he or she will spend now and how much to save for future goals. Then, help your youngster see whether that target is being reached by looking at a bank statement online or a paper copy. Also talk through the tradeoffs involved with spending decisions, such as how buying one toy may mean forgoing going for the opportunity to purchase another item the child also wants.

“There are many approaches to how best to structure an allowance, particularly whether to tie it to work such as household chores, so each family will need to decide what is best for them,” Reynolds added.

Think twice before giving a child more money if he or she runs out of funds before the next allowance payment. That’s because part of the benefits of waiting to enjoy a bigger reward.

And, for younger kids, consider paying an allowance in smaller denominations to make it easier to learn counting and saving skills.

Help your kids develop a healthy skepticism of advertising and unsolicited inquiries: In general, teach children how to analyze advertisements; they need to know that “special offers” often are not the great deal they appear to be.

Even young consumers are targets for identity thieves and among the victims of scams and rip-offs. Information for parents on protecting children’s personal information from identity theft is available at www.onguardonline.gov/topics/protect-kids-online

Highlight Series – For All Ages: Teaching Young People About Money

  1. For Pre-K to Grade 2: Earning and Saving Right From the Start
  2. For Grades 3-5: The Creation of a Comparison Shopper
  3. For Grades 6-8: Tips for the Teen Years…and Beyond
  4. For Grades 9-12: It’s Like … How to Speak to High School Kids About Money. Totally!
  5. For College Students: Passing Big Tests on Money Management
  6. Computer Security Tips for Bank Customers: A Basic Checklist
  7. Changes Could Help Boost Credit Scores
  8. A New Way to Save for Children with Disabilities

A complete e-book series can be requested with our Concierge Services Form.  It will be emailed to you within 24 hours.

For Pre-K to Grade 2: Earning and Saving Right From the Start

Children in this age group are naturally curious about the world around them, including money. By introducing several basic concepts — and being a good role model — you can help them gain financial skills that can last a lifetime.

Learn about how money is made and used: Children can be introduced to money as soon as they learn to count. Even if you usually pay by credit or debit card, once in a while use bills and coins so your child can learn about the different values. Imaginary games, such as pretending to be at a store or restaurant, can help teach money concepts, too. Role playing with real coins can be especially advantageous because it can teach children the values of different coins, but remember that coins are a choking hazard for younger kids. The U.S. Mint has resources for parents to use at www.usmint.gov/.

Learn about how money is earned: Getting paid for little chores will allow your child to learn the value of working and earning. Consider making a chart for jobs your child can perform and include the payment amount for each completed task.

Start to save: Consider separating spending money from savings. Begin with clearly labeled jars or piggy banks for your child to divide up his or her cash. This will show your child that spending and saving should go hand in hand.

Understand the difference between needs and wants: For your child to make good spending decisions, he or she will need to be able to identify and distinguish needs (things you cannot live without, like food and shelter) from wants (toys and candy). One game you can play involves singling out items in your house and asking your child if it’s a need or a want…and why. You can try the same thing while shopping.

Borrow responsibly: Children at this age generally don’t understand the difference between buying and borrowing — they have to be taught how to be responsible for borrowed items and to return them on time. Help your child create and maintain a list of items he or she has borrowed from friends or relatives, along with the date due. Doing so will support the concepts of responsible borrowing and personal accountability.

For Grades 3-5: The Creation of a Comparison Shopper

Kids in this age group are ready for meaningful lessons about saving and spending money wisely. Many also are ready to open their first savings account, if they haven’t already. Here are key concepts to teach.

Think before you buy: Continue discussing with children how to separate their needs from their wishes. Also help them think how to prioritize how they use their money. Consider, for example, making a household shopping list and asking your child to number the items in the order of importance.  Also use visits to the store to point out how advertisements can lead to unnecessary purchases or steer consumers toward products that are more expensive than alternatives.

Try to stick to a budget: Creating a simple spending plan at this age will teach him or her to set limits on expenditures, prioritize spending choices, and avoid running out of money. Younger kids may verbally agree to a spending plan, while older kids can write it down. You will likely need to help the child keep written track of spending so both of you can monitor the progress.

Consider opening a savings account with your child: Shop together for the account, and pay particular attention to the account balance needed to open the account and to maintain it without incurring fees. Also point out the interest rate, which will be expressed in advertisements as the “Annual Percentage Yield” (APY). Many banks offer special savings accounts for young people that can be opened and maintained for less money than a regular savings account.

Consider reviewing with your child one of the savings account statements that shows transactions. “If you also encourage your child to keep a log of the money in the account, that could be an opportunity for you to work together on a simple math exercise and learn the value of keeping track of money,” said Luke W. Reynolds, Chief of the FDIC’s Outreach and Program  Development Section.

And when you’re at the bank to open or access an account, ask a customer service representative to talk about what the bank does (it takes deposits, makes loans, and so on) and that money kept in a bank is safe.

Know that there are different ways to pay for things: Children can benefit from understanding where the money is coming from when people pay for purchases by writing a check or swiping a credit or debit card. Use your bank and credit card statements and ATM withdrawal receipts to explain that actual cash is either deducted from an account or it must be paid back by a certain date.

 

A Complete e-book will be emailed to you within 24 hours, please sign-up using Concierge Services Form


 

If you would like to inquire about our Concierge Services, please sign-in our free consultation

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Our group of expert Oil Trader, Commercial Real Estate Specialist, Asset Management, and Business & Financial Analyst, can help to answer all your questions and to provide you with investment alternative and options catered to your investment strategy.  Sign-up for a free 30-minute consultation with us now!

Growing, Evolving and Pushing Forward!


 

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Fine Artwork Can Leverage for Additional Liquidity – Creative Finance

Art Collection 3


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Our recent study showing creative investors especially net lease commercial real estate have increased using their art collections as collateral loan.  The question is WHY?

The value of their art collection has increased significantly for last several years now.  However many art collectors do not want to sell their arts because of too expensive when they sell as mentioned in our previous blog, “The Best Way Creating Liquidity Value of Your Art Collection – Borrow

There are more willingness banks and smaller art lenders are aggressively offering loan secured by art collector.

For art collector (borrower), it depends on what type of loan, the loan-to-value (LTV), annual interest rate and terms.


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There are two types of secured art-loans

  1. Recourse
  2. Non-recourse.

Recourse loan where art is required as collateral for the loan but the borrower also has to provide a personal guarantee of payment.  That means if the borrower defaults and the bank can’t recover the full amount of the loan by selling the art, it can make a claim on the borrower’s other assets.

Non-recourse loan where it does not require borrower’s personal guarantee.  The artwork is the only asset that is the security for the loan.

Because of the low risk associates with the recourse loan, lender offer much lower rates.  It’s also a part of an overall relationship with a wealthy client.  Borrowers may be able to get rates as low as prime plus 2% or 3%.  Conversely, the non-recourse loan, annual interest rates vary largely but typically range from prime plus 6% to 13%.

The minimum loan is $US 5 million for an art-secured loan.  Since loans typically are around 50% of the appraised value of the art, the borrower’s collection would need to be worth around $10 million or more. Also the minimum value of each piece is $200,000.

These are typical requirements for these art-loans.

Borrower requires proof of authenticity such as purchase document, exhibition history, sale history and inclusion in a catalog.

Borrowers also need to prove that they own the art outright, with no possibility of anyone else claiming it in situations like divorce or a disputed inheritance.

In addition, certain lender prefer a certain type of art collections.  They make better collateral than other.  For instance, some lender prefers artworks from ancient civilization; other lender prefers artworks between 19th century impressionist painting and postwar or contemporary art.

Where the money goes are stated in our previous blog: ““The Best Way Creating Liquidity Value of Your Art Collection – Borrow

CONTACT US… Collectors interested in arranging financing should contact us for free consultation.  We will assist to identify the borrowing need, determine what type of financing makes the most sense, and facilitate the appropriate lender.  Please note minimum appraisal report is at $US 5 million.  There is no maximum amount.

Related resources at Amazon Corner:

  1. Structured Finance and Insurance: The ART of Managing Capital and Risk
  2. The Art of Buying Art: An Insider’s Guide to Collecting Contemporary Art
  3. The Art Business
  4. Art as an Investment
  5. Risk and Uncertainty in the Art World
  6. The Explosion of the Art Market in the 21st Century
  7. Fine Art and High Finance: Expert Advice on the Economics of Ownership

If you would like to inquire about our Concierge Services, please sign-in our free consultation

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Our group of expert Oil Trader, Commercial Real Estate Specialist, Asset Management, and Business & Financial Analyst, can help to answer all your questions and to provide you with investment alternative and options catered to your investment strategy.  Sign-up for a free 30-minute consultation with us now!

Growing, Evolving and Pushing Forward!

The Best Way Creating Liquidity Value of Your Art Collection – Borrow

Art Collection 2


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Unlocking the Value of Your Art Collection

Art collectors have high value inaccessible in their art collections.  If they need to access of this value, they do not have to sell their art to create liquidity – Borrow.  They can borrow funds and retain possession for their art.

There are big advantages to borrowing – avoiding selling cost, capital gain and taxes.  It could be up to 65+ percent.  These combination can make it VERY expensive to sell.

What is the alternative to access its liquidity?  Borrow.

For example:  A collector sells his art for $US 10 million. Assuming selling costs of 20 percent (20 percent of $US 10 million = $2 million) and an original cost of $US 1,000,000 for the art.

  • Funds realizes a before-tax profit: $US 7 million.
  • Net to collector:  $US 4.2 million  (this profit is subject to capital gains tax. Assuming a rate of 40 percent (28 percent federal plus 12 percent state), the collector pays $2.8 million in capital gains tax, and nets $4.2 million.
  • Net to heirs:  $US 2.1 million (these net proceeds are subject to estate taxes at the collector’s death. Assuming a 50 percent rate, the heirs receive only $2.1 million — on art sold for $US 10 million! This represents a loss of 79 percent across a single generation, and underscores the cost of selling art.)

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By selling during his lifetime, the collector pays 2 levels of tax: capital gains and estate. By borrowing to create liquidity, the collector can keep the art during his lifetime and have his estate benefit from a step-up in tax basis. This enables collectors to pay just one level (estate tax) rather than two. In this example, the collector could borrow as much as $US 5 million (up to half the art’s value) and keep his art. Art collector would be responsible for debt service on the loan, but he would also benefit from any appreciation on his art.

What art collectors do with the proceeds?  These are few:

  • Entrepreneurs frequently borrow against their art to invest in their existing businesses or new ventures
  • People also borrow against their art to make charitable contributions, pay medical expenses, and fund divorce settlements.
  • An art-based loan is a low-cost option for art collectors in need of cash flow who can enjoy their art while making scheduled payments.
  • In these uncertain economic times, art collectors also borrow to avoid the risk of having their art “bought in” (or “burned”) at auction, which makes it difficult to sell for years to come.
  • Faced with estate taxes that must be paid within a short time frame, executors frequently liquidate art collections quickly. But borrowing funds to pay estate taxes and administration costs makes it possible for executors to maximize the value of the estate’s assets by selling the art over time, thus avoiding a “fire sale.”
  • Many arrange lines of credit and term loans to invest more art.
  • Some whose wealth is concentrated in art borrow funds to invest in other asset classes, such as stocks, bonds, real estate, oil, gas, private equity, and hedge funds, thereby diversifying their holdings.

Consult your financial adviser, accountant, attorney, or estate planner while making these decisions.

  • Does art collector want the flexibility of a line of credit or a term loan of 3-10 years?
  • Does art collector want a six-month loan to fund short-term liquidity needs?
  • Or an advance against art that art collector plans to sell later this year?

CONTACT US… Collectors interested in arranging financing should contact us for free consultation.  We will assist to identify the borrowing need, determine what type of financing makes the most sense, and facilitate the appropriate lender.  Please note minimum appraisal report is at $US 5 million.

Related resources at Amazon Corner:

  1. Fine Art and High Finance: Expert Advice on the Economics of Ownership
  2. Structured Finance and Insurance: The ART of Managing Capital and Risk
  3. The Art of Buying Art: An Insider’s Guide to Collecting Contemporary Art
  4. The Art Business
  5. Art as an Investment
  6. Risk and Uncertainty in the Art World
  7. The Explosion of the Art Market in the 21st Century

If you would like to inquire about our Concierge Services, please sign-in our free consultation

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.

Our group of expert Oil Trader, Commercial Real Estate Specialist, Asset Management, and Business & Financial Analyst, can help to answer all your questions and to provide you with investment alternative and options catered to your investment strategy.  Sign-up for a free 30-minute consultation with us now!

Growing, Evolving and Pushing Forward!

6 Money Links DAJK GROUP Loves

Men more confident than women about

Recent Studies show Men more confident than women about getting jobs

  1. IRS Data Theft
  2. Dollar Rises against Yen, Euro
  3. When it really pays to purchase online
  4. About Zero percent interest promotions
  5. Transition into Retirement
  6. Studies show Men more confident than women about getting jobs

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IRS data theft_ 5 things you need to know – MarketWatch

About 100,000 households could be affected by the IRS’ security breach earlier this week. Find out what you need to know to protect your information. IRS Data Theft: 5 Things You Need to Know — MarketWatch

Dollar Rallies on Upbeat U.S

Good news for your green! Compared to international currencies, the strength of the dollar is hitting record highs. What does that mean for you? Dollar Jumps Against Yen, Euro — The Wall Street Journal

When It Really Pays to Buy Online – Consumer Reports

Shopping is as easy as a few swipes and a click these days, but some online splurges are better for your wallet than others. Here’s when digital checkouts really pay off. When It Really Pays to Buy Online — Consumer Reports


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3 Things You Need to Know About 0% Interest Promotions _ SmartAsset

Did you know it’s still possible to pay interest on a 0% APR credit card? Heed these precautions before you sign up. 3 Things You Need to Know About 0% Interest Promotions — Smart Asset

Ways to make a smooth transition to retirement

Reports show that about two-thirds of Boomers have difficulty adapting to retired life. Follow these tips—like safeguarding your resources—to successfully transition into your golden years. Ways to Make A Smooth Transition into Retirement — USA Today

The Real Reason Men Are More Confident Than Women About Getting Jobs – Bloomberg Business

Turns out, the so-called confidence gap could be more of an “effect” than a “cause” of lopsided job opportunities for women at work. These studies explain why. The Real Reason Men Are More Confident Than Women about Getting Jobs — Bloomberg

Related Resources at Amazon Corner!


If you would like to inquire about our Concierge Services, please sign-in our free consultation

Concierge Services

  • Net Lease Commercial Real Estate Investment
  • Real Estate Lenders Nationwide – Residential & Commercial
  • Asset Management
  • Project Finance
  • $US 100 million Bonded & IRS Registered Payroll Service
  • Currency Exchange Service
  • Business Development & Finance
  • International Trade Facilitation Program
  • Awarded Judgment Seller Wanted
  • $US 1000 Referral Program

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Embrace the June 2015 Call to Action (You Could Win $US 50 Amazon Gift Card!)

$50 Contest


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We are halfway through 2015!  Can you believe it?

It seems like just yesterday we were excitedly welcoming in a brand new year—nervous to get planning on your financial, net lease investment and business development goals we’d resolved to accomplish over the following 365 days.

Want More?

Are you confidently marching toward your financial, net lease investment and business development goal—or could you use a little motivation to resume the hard work?

If you’re in the latter, don’t stress.

We’re all human, and it’s totally normal to deviate off track every once in a while. The key to success, however, is learning how to refocus your efforts and racing toward your goals.

Which brings us to our June call to action: Have you ever revive a New Year’s resolution you’d given up on halfway through the year? If so, how did you go about refocusing to accomplish it by December 2015?

Maybe you favorite photo of those fabulous ocean in a prominent place as a reminder.

Or perhaps you copy of a check $US 100,000 written to yourself

Or you join a business mastermind program, a net lease investment or investment seminar with other competitive friends – to earn a spot at the top of the weekly leaderboard.

Whatever it is, we want to hear about it in the comments below—and you’ll be entered for a chance to win $50 Amazon Gift Card! Please make sure to sign-in using your email address when you comment—it won’t be visible to other users—so we can notify you if you win.

Please sign-in and comment below

Open only to who are at least 21 years old as of the date of entry.  Contest running from June 6, 2015, through June 30, 2015. We will select the most compelling entry as the winner, and his or her story may be published on our website.

Please share with your friends and colleagues!

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DAJK GROUP is the place where investors, business owners and entrepreneurs can research and find useful information, insight, resources, advice, guidance and inspiration for acquiring funds for their project, acquisition for their net lease commercial real estate, increasing their assets and running their profitable business.  Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation.  DAJK GROUP and any third parties listed, linked to, discussed, identified or otherwise appearing herein are separate and unaffiliated and are not responsible for each other’s products, services or policies.