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The author and creator of this website used their best efforts in preparing this material. The author and creator make no representation or warranties with respect to the accuracy, applicability or completeness of the contents. They disclaim any warranties (expressed or implied), or merchantablilty for any particular purpose. The author and creator shall in no event be held liable for any loss or other damages, including but not limited to special, incidental, consequential, or other damages. The information presented in this website is compiled from sources believed to be accurate; however, the creator assumes no responsibility for errors or omissions. The information in this website does not represent and is not intended to replace or substitute professional advice. It is not intended to provide specific guidance for particular circumstances and it should not be relied on as the basis for any decision to take action or not to take action on any matter that it covers. The creator and publisher specifically disclaim any liability, loss, or risk that is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this work.
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This publication references performance data collected over several years. Past results do not guarantee future performance. Edition performance data, in addition to laws and regulations, change over time which could change the status of the information in this book. This book provides solely historical data to discuss and illustrate underlying financial principles. Additionally this book is not intended to serve as the basis for any financial decision of a specific investment adviser, or as an offer to sell or purchase any security. Only a prospectus may be used to offer to sell or purchase securities, and a prospectus must be read and consider carefully before one invests or spends money .
No warranty is made with respect or completeness of the information contained herein, and both the author and the creator specifically disclaim any responsibility for any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, of the use and application of any of the contents of this book full stop next paragraph in the text that follows many people’s names and identifying characteristics have been changed in order to protect their identities.