TERMS AND CONDITIONS OF USE

This publication is a compilation of the author's experiences and Personal opinion and the personal experiences of other persons involved in this industry as it relates to the subject matter included herein.

This document is intended to provide information and opportunity for the personal use of the reader. It is not a legal document, and should not be construed as such.

The author disclaims any personal liability or loss or risk incurred as a result of effecting personal use and application, either directly or indirectly, of any of the information and materials presented in this publication.

It should be understood that those accounting legal matters of taxation, legal issues, or real estate law particular to an individual's state of residence, should be dealt with in a matter that is in compliance with any governing agency or legal body of that state. Any final legal, accounting or other advice should be requested by the reader of this information of the legal or accounting person representing such reader. This publication should be used solely for informational purposes.

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