The advice contained in this material might not be suitable for everyone.
The author designed the information to present her opinion about the subject matter.
The reader must carefully investigate all aspects of any business, life, health, decision before committing her or himself.
The author obtained the information contained herein from sources she believes to be reliable and from her own personal experience, but she neither implies nor intends any guarantee of accuracy.
The author is not in the business of giving legal, accounting, health or any other type of professional advice.
Should the reader need such advice, he or she, must seek services from a competent professional/GP.
The author particularly disclaims any liability, loss or risk taken by individuals who directly or indirectly act on the information contained herein.
The author believes the advice presented here is sound, but readers cannot hold her responsible for either the actions they take or the result of those actions.