This is not advice

Last updated 26 May 2026

Everything on No Margin Left is general information, research, and commentary, drawn from sources cited at the point of publication. It is not financial, investment, medical, health, psychological, immigration, visa, tax, legal, insurance, or any other kind of professional advice, and it is not a substitute for a qualified professional who knows your individual circumstances. Nothing here is a recommendation to take, or to refrain from taking, any particular course of action.

Please read this page in full before relying on anything on this site. It works together with our Terms of use; where this page and the Terms overlap, both apply. By using this site, its articles, its data, or its tools, you confirm that you have read, understood, and accepted what follows.

No professional relationship

Reading this site, using its tools, downloading its data, or contacting the operator creates no advisory, fiduciary, doctor–patient, attorney–client, financial-adviser, broker, or other professional relationship of any kind. The content is published to the public at large, not directed to you or your situation, and it cannot take your specific facts into account. No duty of care toward you arises from your use of it.

You decide; you carry the outcome

Any decision you make — about relocating, staying, money, pensions, drawdown, investments, insurance, property, health, care, a visa, or anything else — is your own decision, taken at your own risk. You are solely responsible for evaluating the information, for obtaining your own professional advice, and for the consequences of acting or not acting. To the fullest extent the law allows, you assume all risk arising from your use of this site and waive any claim against the site or its operator based on that use.

What the data does — and what it cannot do

The data describes a population — what tends to happen, at what cost, to people in broadly similar situations. Base rates are useful precisely because most people assume they are the exception.

It cannot price your specific policy, rule on your visa, diagnose your health, or model your exact finances. Figures are dated and drift; rules, premiums, exchange rates, and thresholds change without notice; your case has details no general figure captures. Information that was accurate when published may be wrong by the time you read it. Before you act, verify with a licensed professional in the relevant field and jurisdiction:

• Money, pensions, drawdown, and investments — a licensed financial adviser.
• Health, care, and mental health — a qualified medical professional.
• Visas, residency, and immigration — a licensed immigration lawyer.
• Tax, estates, and inheritance — a qualified tax adviser or lawyer.
• Insurance cover — the insurer and a licensed adviser or broker.
• Property and contracts — a qualified local lawyer.

The tools and calculators

The wizards and calculators on this site are illustrative, deterministic models that run entirely in your browser on the assumptions you enter. Their outputs are hypothetical estimates, not forecasts, valuations, financial projections, or personalised advice, and they do not predict your actual costs, returns, health, lifespan, or "margin". They deliberately simplify a complex reality and rely on figures that are dated, generalised, and may be incomplete or wrong. Different assumptions produce different results; small input changes can move the output substantially. Treat any result as a prompt for your own research and a conversation with a qualified professional — never as a number to act on.

Health and mortality content

Articles touching health, decline, care, cognition, addiction, loneliness, or death present cited statistics and commentary only. They are not medical or psychological advice, diagnosis, prognosis, or treatment, and must not be used to make medical decisions. Never disregard or delay seeking professional medical advice because of something you read here. If you have a medical concern, consult a qualified clinician. In an emergency, contact your local emergency services. If you are in distress, please see Crisis resources.

Money, markets, and projections

Financial figures, models, and historical series are for general illustration. Past performance and historical trends are not a guide to the future. Exchange rates, returns, inflation, costs, and asset values can fall as well as rise, and you may lose money. Nothing here is investment, tax, or financial-planning advice or a recommendation to buy, hold, or sell any product or to adopt any financial strategy.

Rules, visas, and regulations

Where this site quotes a visa threshold, tax rule, or regulatory requirement, it reports the rule as published and dated by the relevant authority — it does not interpret that rule for your situation. Such rules change frequently and vary by jurisdiction, nationality, and individual circumstance. Confirm the current rule with the official authority and a licensed professional before relying on it.

No warranty

The content, data, and tools are provided "as is" and "as available", without warranty of any kind, express or implied, including any implied warranty of accuracy, completeness, currency, merchantability, or fitness for a particular purpose. We do not warrant that the content is error-free, that figures are current, or that the site or its tools will be available or uninterrupted. Some information comes from third-party sources we believe to be reliable but do not independently guarantee.

Limitation of liability

To the fullest extent permitted by law, the site and its operator accept no liability for any loss, harm, injury, or damage of any kind — including financial loss, lost savings or income, personal injury, illness or death, emotional distress, loss of data, or any direct, indirect, incidental, special, consequential, or punitive damages — arising out of or in connection with your use of, or reliance on, this site, its content, its data, or its tools, whether or not the possibility of such loss was foreseeable. This applies regardless of how the claim arises, in contract, tort (including negligence), or otherwise. Nothing in this disclaimer excludes or limits any liability that cannot lawfully be excluded or limited.

Third-party links and content

Outbound links, including affiliate links, lead to sites this one does not control and is not responsible for. We do not endorse and accept no liability for third-party content, products, services, or practices.

Acknowledgement and governing terms

By continuing to use this site, you acknowledge that you have read and understood this disclaimer and that you accept sole responsibility for any decision you make and any outcome that follows. This disclaimer forms part of, and is governed by, our Terms of use, including the governing-law and jurisdiction provisions there. If any part of this page is found unenforceable, the rest stays in force.