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Disclaimer:  The views expressed in this book, on this website, and in the blogs are mine and mine alone.  I am not a financial advisor, financial planner, accountant, or attorney. The contents are intended for informational, motivational, educational, and entertaining purposes only.  All company names, stocks, mutual funds, ETFs, CDs, bonds, and other investment vehicles are mentioned as examples only, not as specific recommendations to buy, sell, hold, or trade. The author offers NO RECOMMENDATIONS OR ADVICE regarding financial, legal, and accounting decisions or practices. Consult a certified financial planner, tax accountant, financial advisor, and other appropriate professionals for investment, tax, and financial planning advice related to your specific individual needs, goals, and circumstances. I and my affiliates are not responsible for and shall not be held liable for any financial losses nor any physical, emotional, personal, or incidental damages of any nature.  Most calculations and statistics have been rounded to the nearest dollar for simplicity and ease of explanation while keeping the values as close to the actual numbers as practical.  While every effort has been made to present the most accurate data, information and statistics possible, my affiliates and I assume no responsibility for losses incurred, directly or indirectly, by you, the reader, as a result of any of the information and data contained herein, whether accurate or not.  Before making any investment decisions, you are urged to seek the advice of a certified financial planner, professional financial advisor, accountant, and/or attorney before undertaking any financial decisions.

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