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This publication describes the author’s opinions regarding the subject matter herein. The author and publisher are not rendering advice or services pertaining to specific individuals or situations. For specific advice, or if expert assistance is required, the services of a qualified professional should be obtained. 

The author and publisher assume no responsibility whatsoever for the use of the information in this publication or for decisions made or actions taken based, in whole or in part, on the information in this publication. The author and publisher make no warranties, express or implied, regarding the information. Without limiting the foregoing, the author and publisher specifically disclaim and will not be responsible for any liability, loss, or risk incurred directly, indirectly or incidentally as a consequence of the use or misuse of any advice or information presented herein. Use this publication and information with good judgment and do the best you can in your particular situation.

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Those who have received or purchased the guide are neither authorized nor permitted to transmit copies of this guide to anyone without written permission. Giving away copies to people who haven’t paid for them is illegal under international copyright laws and will submit you to possible legal action. Therefore, the utilization of this file is limited to personal use only.

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