The purchase of or reading of this publication in and of itself in no way guarantees the success of the purchaser and/or any reader.

Any degree of success (or lack of) experienced by any reader can only
be reflective of that individual's personal efforts and personal decisions.

You have to exert a great deal of time and effort if you expect to become
successful at this or any other financial endeavor.

This publication should never be used as a substitute for competent
legal advice. You should consult with legal counsel regarding any point of
law.

All federal, state, and local laws and regulations, should be followed and
adhered to.

Buying, selling, and trading, low-priced stocks from your home involves
risk. You could lose some of your money or all of your money.

This publication is based on the personal experience of the author and
is intended to be a helpful study companion for the entry level investor.