### WordPress - Web publishing software
Copyright 2011-2019 by the contributors
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
This program incorporates work covered by the following copyright and
permission notices:
b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
http://tidakada.com
Wherever third party code has been used, credit has been given in the code's
comments.
b2 is released under the GPL
and
WordPress - Web publishing software
Copyright 2003-2010 by the contributors
WordPress is released under the GPL
---
### GNU GENERAL PUBLIC LICENSE
Version 2, June 1991
Copyright (C) 1989, 1991 Free Software Foundation, Inc.
51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA
Everyone is permitted to copy and distribute verbatim copies
of this license document, but changing it is not allowed.
### Preamble
The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.
When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
have the freedom to distribute copies of free software (and charge for
this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
in new free programs; and that you know you can do these things.
To protect your rights, we need to make restrictions that forbid
anyone to deny you these rights or to ask you to surrender the rights.
These restrictions translate to certain responsibilities for you if
you distribute copies of the software, or if you modify it.
For example, if you distribute copies of such a program, whether
gratis or for a fee, you must give the recipients all the rights that
you have. You must make sure that they, too, receive or can get the
source code. And you must show them these terms so they know their
rights.
We protect your rights with two steps: (1) copyright the software, and
(2) offer you this license which gives you legal permission to copy,
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Also, for each author's protection and ours, we want to make certain
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Finally, any free program is threatened constantly by software
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program proprietary. To prevent this, we have made it clear that any
patent must be licensed for everyone's free use or not licensed at
all.
The precise terms and conditions for copying, distribution and
modification follow.
### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
distributed under the terms of this General Public License. The
"Program", below, refers to any such program or work, and a "work
based on the Program" means either the Program or any derivative work
under copyright law: that is to say, a work containing the Program or
a portion of it, either verbatim or with modifications and/or
translated into another language. (Hereinafter, translation is
included without limitation in the term "modification".) Each licensee
is addressed as "you".
Activities other than copying, distribution and modification are not
covered by this License; they are outside its scope. The act of
running the Program is not restricted, and the output from the Program
is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.
**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.
You may charge a fee for the physical act of transferring a copy, and
you may at your option offer warranty protection in exchange for a
fee.
**2.** You may modify your copy or copies of the Program or any
portion of it, thus forming a work based on the Program, and copy and
distribute such modifications or work under the terms of Section 1
above, provided that you also meet all of these conditions:
**a)** You must cause the modified files to carry prominent notices
stating that you changed the files and the date of any change.
**b)** You must cause any work that you distribute or publish, that in
whole or in part contains or is derived from the Program or any part
thereof, to be licensed as a whole at no charge to all third parties
under the terms of this License.
**c)** If the modified program normally reads commands interactively
when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)
These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
and can be reasonably considered independent and separate works in
themselves, then this License, and its terms, do not apply to those
sections when you distribute them as separate works. But when you
distribute the same sections as part of a whole which is a work based
on the Program, the distribution of the whole must be on the terms of
this License, whose permissions for other licensees extend to the
entire whole, and thus to each and every part regardless of who wrote
it.
Thus, it is not the intent of this section to claim rights or contest
your rights to work written entirely by you; rather, the intent is to
exercise the right to control the distribution of derivative or
collective works based on the Program.
In addition, mere aggregation of another work not based on the Program
with the Program (or with a work based on the Program) on a volume of
a storage or distribution medium does not bring the other work under
the scope of this License.
**3.** You may copy and distribute the Program (or a work based on it,
under Section 2) in object code or executable form under the terms of
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**a)** Accompany it with the complete corresponding machine-readable
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and 2 above on a medium customarily used for software interchange; or,
**b)** Accompany it with a written offer, valid for at least three
years, to give any third party, for a charge no more than your cost of
physically performing source distribution, a complete machine-readable
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**c)** Accompany it with the information you received as to the offer
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The source code for a work means the preferred form of the work for
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If distribution of executable or object code is made by offering
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**4.** You may not copy, modify, sublicense, or distribute the Program
except as expressly provided under this License. Any attempt otherwise
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example, if a patent license would not permit royalty-free
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or indirectly through you, then the only way you could satisfy both it
and this License would be to refrain entirely from distribution of the
Program.
If any portion of this section is held invalid or unenforceable under
any particular circumstance, the balance of the section is intended to
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circumstances.
It is not the purpose of this section to induce you to infringe any
patents or other property right claims or to contest validity of any
such claims; this section has the sole purpose of protecting the
integrity of the free software distribution system, which is
implemented by public license practices. Many people have made
generous contributions to the wide range of software distributed
through that system in reliance on consistent application of that
system; it is up to the author/donor to decide if he or she is willing
to distribute software through any other system and a licensee cannot
impose that choice.
This section is intended to make thoroughly clear what is believed to
be a consequence of the rest of this License.
**8.** If the distribution and/or use of the Program is restricted in
certain countries either by patents or by copyrighted interfaces, the
original copyright holder who places the Program under this License
may add an explicit geographical distribution limitation excluding
those countries, so that distribution is permitted only in or among
countries not thus excluded. In such case, this License incorporates
the limitation as if written in the body of this License.
**9.** The Free Software Foundation may publish revised and/or new
versions of the General Public License from time to time. Such new
versions will be similar in spirit to the present version, but may
differ in detail to address new problems or concerns.
Each version is given a distinguishing version number. If the Program
specifies a version number of this License which applies to it and
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version number of this License, you may choose any version ever
published by the Free Software Foundation.
**10.** If you wish to incorporate parts of the Program into other
free programs whose distribution conditions are different, write to
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the Free Software Foundation, write to the Free Software Foundation;
we sometimes make exceptions for this. Our decision will be guided by
the two goals of preserving the free status of all derivatives of our
free software and of promoting the sharing and reuse of software
generally.
**NO WARRANTY**
**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR
OTHER PARTIES PROVIDE THE PROGRAM "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME
THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
**12.** IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN
WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE
PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING
RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.
### END OF TERMS AND CONDITIONS
### How to Apply These Terms to Your New Programs
If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.
To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.
one line to give the program's name and an idea of what it does.
Copyright (C) yyyy name of author
This program is free software; you can redistribute it and/or
modify it under the terms of the GNU General Public License
as published by the Free Software Foundation; either version 2
of the License, or (at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA.
Also add information on how to contact you by electronic and paper
mail.
If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:
Gnomovision version 69, Copyright (C) year name of author
Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
type `show w'. This is free software, and you are welcome
to redistribute it under certain conditions; type `show c'
for details.
The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.
You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:
Yoyodyne, Inc., hereby disclaims all copyright
interest in the program `Gnomovision'
(which makes passes at compilers) written
by James Hacker.
signature of Ty Coon, 1 April 1989
Ty Coon, President of Vice
This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
7 signs you need to see a financial planner right now - sinth.info
Our experts answer readers’ investing questions and write unbiased product reviews (here’s how we assess investing products). Paid non-client promotion: In some cases, we receive a commission from our partners. Our opinions are always our own.
We all love to DIY, but there are certain times when seeking professional financial help is wise.
If you want to retire or send your kid to college, a CFP can help you achieve those goals.
We are a DIY culture that places a high value on doing everything from home improvement to day trading ourselves. But not everyone is a financial whiz, and it’s OK to consult an expert when you’re stumped.
Michael Garry, a financial planner, self-described “recovering lawyer,” and founder and CEO of Yardley Wealth Management, outlined seven situations where you should talk to a financial planner.
1. You anticipate a significant life event, such as a new child or losing a job
To truly enjoy a happy life event such as a birth or a wedding — or to reduce the stress of losing a job — get help from a financial planner.
Garry notes that a financial planner or a financial advisor can help you plan for “big, expensive, life-changing events that people aren’t sure whether they afford or not.” And figuring out the money up front can save you from a lot of stress later on.
2. You get a windfall: inheritance, IPO, winning the lottery!
Lottery winners are more likely to declare bankruptcy, and 70% spend all their winnings within five years. Without proper money management, one-off financial payouts like getting an inheritance, an employer buyout, winning the lottery, or an IPO can make your life worse rather than better. Even high-wealth people can end up broke without good financial advice.
Garry suggests talking to a financial planner before doing anything with a windfall, especially if the money is new to you. “A lot of choices of what you do will determine the taxes you pay,” he says. And the amount you owe in taxes will determine how much you have left after tax.
Plus, advice can help put the money in perspective. “Sometimes it would take an outsider such as a financial advisor or even a CPA,” Garry says, to help you understand if a big chunk of money is truly enough to be life-changing.
3. You’ve had a sudden change in your financial situation that you don’t understand
Here’s the situation: You suddenly can’t pay your credit card bills at the end of the month, though that was never a problem before. Or, on the flip side, your savings account balance is on the rise even though you aren’t doing anything different. In either case, it’s worth finding out what’s happening.
“It might be much easier for a financial planner to find the root of that than for a lot of clients,” Garry says.
Common causes of financial mysteries are a change in tax withholding or the amount taken out of your paycheck for benefits. Garry notes that tracking these items is not in everyone’s wheelhouse, but it’s easy for a seasoned financial professional to uncover the cause of the change and help craft a plan to get you back to economic equilibrium.
4. You’re doing fine with money — but you can’t explain why
Garry notes that many people do everything right with their finances: working steadily, saving, investing, and taking advantage of company matching programs. But that doesn’t guarantee your future financial health.
“We’ve had mostly bull markets since the ’80s,” he says. “People could be in great shape just by going to work all the time.” Your money kept growing as long as you didn’t bail out during a recession.
“But it may not always be that easy in the future,” Garry continues. In uncertain markets, solid financial advice can help you protect your investments.
That’s particularly true if you’re getting close to retirement. “If you are within a few years of retirement or expected retirement age,” — age 55 or older — “and you’ve never sat down with somebody to discuss your finances, I think it would be really eye-opening.” You might discover that you need to increase your retirement contributions or work a few more years to fund a comfortable life in retirement.
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5. You want to retire someday
Yes, this is just about everybody. As noted above, stumbling into retirement without a clear picture of your financial needs and resources is risky.
You don’t want to discover when you’re 58 that you’ve been doing the wrong thing and you’re not prepared for retirement, so the best time to make a retirement plan is well before you retire.
For example, Garry points out that paying for a child’s college tuition can cut into your retirement savings. That could be fine, as long as you have a plan to fill the hole.
If you don’t figure out that you’re short on retirement savings until after you leave the workforce, he notes that it can be tough to go back to work. After a few years without work experience, finding a job that pays anything close to what you earned before could be difficult or impossible. That’s why it’s essential to understand your retirement income before you stop working.
6. You’re sending a child to college
Garry has firsthand knowledge of the pain of student loans. Law school left him $90,000 in debt, and his first child was born two weeks after graduation. He had to work nights as a bar back during his first years as a lawyer to make ends meet.
He doesn’t want the same for his kids, so he had a frank conversation with his youngest daughter about the tuition at her first choice school compared with the income she could expect from her chosen career.
He figured out how much he could contribute to her education, how much debt she’d have to take on, and her monthly loan payments after graduation. The heavy debt load would have taken a big bite out of her salary, and could keep her living at home. Armed with that information, she chose an excellent state college, loved her school, and was able to graduate debt-free.
Garry thinks parents have the responsibility to get clear on the finances of student debt because “it’s numbers without context” for an 18-year-old.
College decision time is a critical moment to sit down with a financial planner and figure out the ramifications of different school choices. It’s a decision that can have a substantial financial impact on both the parents and the student long after graduation.
7. You’re worried or stressed about your finances
Garry thinks financial stress is the biggest reason to get professional help. “[If] you can’t sleep or you’re very nervous, and it’s on your mind all the time, then you should talk to a financial planner,” he says.
In most cases, he finds that people know what the problem is, but they don’t know how to solve it. It might be monthly payments you can’t afford or whether an employer buyout is enough to carry you into retirement.
For people whose stress comes from crushing debt, the fee for a financial planner may be unaffordable. That doesn’t mean you can’t get help; many free or low-cost debt management and credit counseling services offer services to help people understand their finances and find solutions to money problems.
This article was originally published in July 2022.