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This book and rickmacy.com website contain my opinions and ideas. It is intended to provide helpful and informative material on the subjects addressed in my book and website. You should understand that the publisher and author are not engaged in rendering personal professional advice about financial, medical, health, self-help or any other kind advice. The reader should consult a competent professional before adopting any of the suggestions or drawing inferences from it. The publisher and author specifically disclaim all responsibility for any liability, loss, or risk, personal or otherwise, which is incurred as a consequence, directly or indirectly, the use and application of any of the contents in this book or website.