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This publication contains the opinions and ideas of its author. It is intended to provide helpful and informative material on the subjects addressed. The strategies outlined in this publication may not be suitable for every individual, and are not guaranteed or warranted to produce any particular result.

The information contained in this publication is written with the understanding that neither the author nor the publisher is engaged in  rendering legal, financial, accounting, or other professional advice or services.  

The reader should consult a competent professional before adopting any of the suggestions in this publication or drawing inferences from it.. It is implied that the reader is 100% responsible for any and all choices or decisions made in all areas of life. 

No warranty is made with respect to the accuracy or completeness of the information or referenced contained herein. Both the authors and the publisher specifically disclaim any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this publication.on may not be suitable for every individual, and are not guaranteed or warranted to produce any particular result.

The information contained in this publication is written with the understanding that neither the author nor the publisher is engaged in  rendering legal, financial, accounting, or other professional advice or services.  

The reader should consult a competent professional before adopting any of the suggestions in this publication or drawing inferences from it.. It is implied that the reader is 100% responsible for any and all choices or decisions made in all areas of life. 

No warranty is made with respect to the accuracy or completeness of the information or referenced contained herein. Both the authors and the publisher specifically disclaim any responsibility for any liability, loss or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this publication.