The Authors has strived to be as accurate and complete as possible in the

creation of this manual, notwithstanding the fact that he does not warrant or

represent at any time that the contents within are accurate due to the rapidly

changing nature of the Internet.


While all attempts have been made to verify information provided in this

publication, the Authors assume no responsibility for errors, omissions, or

contrary interpretation of the subject matter herein. Any perceived slights of

specific persons, peoples, or organizations are unintentional.


There are no guarantees of income made. Readers are cautioned to reply on

their own judgment about their individual circumstances to act accordingly. This

book is not intended for use as a source of legal, business, accounting or

financial advice. All readers are advised to seek services of competent

professionals in legal, business, accounting, and finance field.


Screen shots seen in this manual are from publicly accessible files and web

pages and used as “fair use” for reporting purposes and to illustrate various

points mentioned herein. Texts and images available over the Internet may be

subject to copyright and other intellectual rights owned by third parties.