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The text, images and other materials contained or displayed on the web site are proprietary to the authors and constitute intellectual property. No material from any  part of the web site may be downloaded, transmitted, broadcast, transferred, assigned, reproduced  or in any other way used or otherwise disseminated in any form to any person or entity, without the explicit written consent of the authors. All unauthorized reproduction or other use of material from the web site shall be deemed willful infringement(s) of copyright and other proprietary and intellectual property rights,  including but not limited to, rights of privacy. The authors expressly reserve all rights in connection with their intellectual property. The authors reserve the right, without further notice, to pursue to the fullest extent allowed by the law any and all criminal and civil remedies for the violation of its rights.

Legal Liability

While the authors will use their reasonable best efforts to provide accurate and informative Information Services to the reader, they cannot guarantee the accuracy, relevance and/or completeness of the web site, or other information used in connection therewith. The authors shall have no liability, contingent or otherwise, for any claims or damages arising in connection with (i) the use by reader of  the web site and/or (ii) any errors, omissions or inaccuracies on the web site.

This publication does not constitute an offer to sell any security, nor a solicitation of an offer to buy any security.  Only a prospectus may be used to offer to sell or purchase securities, and a prospectus must be read and considered carefully before investing or spending money.

This publication is designed to provide information and analysis that the authors believe to be accurate, but it is published with the understanding that neither the author nor the publisher is rendering investment advice, nor offering individualized advice tailored to any specific portfolio or to any individual’s particular needs, nor offering professional  services such as legal or accounting advice. Anyone needing assistance in areas that include investment, legal, and accounting advice should consult a competent professional’s services.

This publication may reference historical performance data. Past results do not guarantee future performance. Additionally, business conditions, laws, regulations, and other factors affecting performance all change over time, which could change the status of the information in this publication