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The information provided on this website and in the materials offered is for educational purposes only and is offered “as is.” While effort has been made to ensure accuracy, the authors, and their affiliates accept no responsibility for any damages caused by any inaccuracies or from use of the information provided. Furthermore, no guarantees of income are intended or made. As with any endeavor, each individual will have varying experiences and degrees of success. Each individual must, therefore, make his or her own judgment as to the fitness and appropriate use of any information provided. Authors make no representation and accept no liability for use of any information provided. Testimonials and comments depicting specific results are not typical. Each person’s experience and results can, and do, vary. Information is provided with the understanding that the authors are not engaged in the practices of law or accounting. Should advice be needed in these areas, a competent professional should be consulted.