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The accuracy and completeness of information provided herein and opinions stated herein are not guaranteed or warranted to produce any particular results and the advice and strategies, contained herein may not be suitable for every individual. The author shall not be liable for any loss incurred as a consequence of the use and application, directly or indirectly, of any information presented in this work. This website is designed to provide accuracy in regard to the subject matter covered. The author has used his experiences and efforts from life experiences in preparing this information. This information is provided with the understanding, the author is not engaged in rendering legal, accounting, or other professional services. If legal advice or expert assistance is required, the services of a competent professional should be sought.