The long and the short of it is that this site is provided for informational purposes only.  It would be imprudent to take any action based on any of the information on this site without first consulting a competent professional skilled in these matters.

More specifically:

The information on or made available through this site is not intended to be legal, accounting, tax, investment or other professional advice. Before making any decision or taking any action that might affect your personal finances or business, you should consult a qualified professional advisor who understands your particular factual situation.

The many hyperlinks on our links page lead to resources located on servers maintained by other persons or organizations. These links are provided as a convenience to you and are not endorsed by us. No warranty about the accuracy or any other aspect of the information contained on such servers is provided.

Furthermore, it is your responsibility to take precautions to ensure that information you select for your personal use from such servers is free of viruses or other items of a destructive nature.

The information here is provided "as is," with no guaranty of completeness, accuracy, or timeliness, and without warranty of any kind, express or implied, including any warranty of performance, merchantability, or fitness for a particular purpose. In addition, changes may be made in this information from time to time without notice to the user.

In no event will we be liable to any party for any direct, indirect, special or other consequential damages for any use of information on   this site or on any of its hyper linked sites, including any lost profits, business interruption, loss of programs or data on your information handling systems, or otherwise.