Tricks of the Grade: Street-Smart Strategies for Acing College

 If I could show you how you (or your student) could get at least a “B” in any college course (by actually studying less), guaranteed, would you be interested?

 

 

Hello,

My name is Joe Martin. I'm a college professor and founder and president of RealWorld University, one of the largest student success web sites on the Internet.

If you're a college or high school student, or the parent of someone who is, you are in the right place at the right time! For the past nine years, hundreds of high schools and colleges have been paying me literally thousands of dollars to teach their students my "tricks" for acing college. And now, for the first time ever, I'm making this information available to you right in the privacy of your own home on your own computer.

Please take a few minutes to carefully read this information; it just might be the best investment you ever make in your (or your student's) education. Please click here to read the "most frequently asked questions."

To Your Academic Success,

Professor Joe Martin

Professor Joe Martin

Click to Learn More About Professor Martin

Download the Tricks of the Grade Action E-Course

 

What Students Are Saying About
"Tricks of the Grade":

After hearing your "Tricks of the Grades" presentation this past spring at the West Regional Greek Conference, I am pleased (and proud) to tell you that I did not receive any grade lower than a B! Do you believe in miracles? You were absolutely right, those strategies work! I just wanted to thank you for that!
- Maureen Robinson, Student, Loyola Marymount University

Thanks to the "Tricks of the Grade," the word failure has left my vocabulary. My cumulative GPA has risen from a measly 1.3 to 3.1 inside of one semester and two summer courses. I am currently taking 19 credits this semester, and I have no doubt that I will make the Dean's List. Once again, thank you for sharing your strategies and for all you've done for me. I will never forget you.
- Jonas Petchonka, Student, Long Island, NY

I attended your "Tricks of the Grade" seminar last semester, and I did my best to implement all of the strategies that you outlined. I'm proud to say that I received my first 4.0 of my college career this semester! I have a renewed sense of confidence in my schoolwork now, and I just wanted to thank you for sharing your secrets.
- Matthew Moring, Student, University of Texas

After your Tricks of the Grade program, I went back to college with a different attitude about my work and my grades. And guess what? Both improved! I got 2-A's and 2-B's. Thank you so much for the program, it's been extremely helpful.
- Musa Ndiovu, Student, Clayton College and State University

Thank you for sharing your "Tricks of the Grade." I've already seen improvement in my classes three weeks into the semester. I've become friends with my professors, and I've lost all my worries about being a freshman. College is now fun, since the techniques have allowed me to stop over obsessing about my grades.
- Marty Nickison, Student, Youngstown State University

Prof. Martin is one of the best teachers a student could ask for! He gave me so many tips and strategies to help me succeed in college, but more importantly, he showed us all how to apply them to simplify our lives. I've recommended his seminar to every one of my friends. If his Tricks don't help you get good grades in school, quite frankly, nothing will. I should know, they (the Tricks) helped me.
- Sarah Huenke, Student, University of Cincinnati

Joe Martin's workshop on the "Tricks of the Grade" was outstanding. Words can't explain the impact he had on his audience (especially me). I never even imagined how easy it could be to succeed in college. I actually can't wait to go back to school - who would have ever thought I'd ever say that. Thanks Joe.
- James Stevens, Student, North Carolina - Wesleyan College

I just wanted to thank you for "Tricks of the Grade." I want you to know that EVERY strategy that you taught us has worked! My grades have really improved since last semester. I'm so thankful that your strategies are not only easy to implement, but effective as well. I can't believe the grades I'm getting.
- William Yost, Student

I just graduated this past May in the field of Secondary Technology & Industrial Arts. After attending your "Tricks of the Grade" seminar a while back, and following and applying your strategies, I received nothing less than a "B" in my junior and senior year. I graduated cum laude. I just wanted to say thank you very much. You were truly a blessing to me.
- Ernie D. Charles, Recent Graduate, University of South Florida

I have mentioned your Tricks of the Grade program to several of my friends, but they said it would never work and it couldn't be done. I have proved them all wrong. I, for the first time in my life, have a straight "A" record. It's only a few months into the school year, but now I have a plan, and your ideas and strategies have helped immensely.
- Nic Zateslo, 9th Grade, Rickards High School

Your "Tricks of the Grade" seminar totally captivated me. And from looking around the room, it was obvious the audience agreed. You gave us so much useful information and great ideas. I can't remember the last time I've been this excited about going BACK to class next semester. I'll keep you posted.
- Rachael Clark, Student, University of California - Berkeley

As a student leader, I've gone to a lot of student conferences; but your Tricks of the Grade session, by far, had to be the MOST useful session I've ever attended. I now realize what I've been doing wrong in school. And you're right, the reason your strategies work is because most students don't know them. Thanks for sharing them with us. You rock!
- Richard Biasco, Student, Chapman University

I hate to sound overly dramatic, but your "Tricks of the Grade" was the answer to my prayers. When I heard about your seminar, I was expecting to hear the same old stuff advisors and teachers tell us. Your program totally blew me out of the water. It's safe to say it wasn't what I expected, especially from a professor. Thank you for giving me the extra confidence boost I needed to succeed in college. Every student, regardless of their GPA, should attend your program.
- Melissa Mitchell, Student, Washington State University

Finally, an academic success program that's DIFFERENT. Thank you, thank you, thank you! Tricks of the Grade was refreshing to me, because it gave me new information that changed my focus. Not only were the strategies very helpful and clever, they kept me on my toes. I have a lot of work to do. Thanks Prof. Martin for the Tricks.
- Latisha Coles, Student, Weber State University

Professor Martin's enthusiasm is incredible. His "Tricks of the Grade" seminar made me put a lot into perspective. As a result of these strategies, I know there are many things I must change immediately. Thank you Professor Martin. Without this seminar, I would've never known the how "the system" REALLY works and what teachers REALLY expect.
- Rosalyn Fisher, Student, Arizona State University

Thank you so much for the Tricks of the Grade. I followed one of your strategies in responding to a bad grade, and it made all the difference in the world; I feel so much better about my relationship with my professor. I just wanted to let you know that Tricks of the Grade not only made a difference in my grades, but also in my life.
- Veronica Cruz, Student, Barry University

 

Download the Tricks of the Grade Action E-Course

P.S.- If you or someone you care about is in college or will be entering college soon, take the time to read this information. I promise it will be worth every minute!

This is NOT your traditional college success course. In fact, we don't even cover speed reading, test taking skills, time management, note-taking, memorization tactics or stress relievers. While these are all useful skills, they are NOT what make the Tricks of the Grade so effective...

READ ON:

Imagine if you were a student graduating from high school with a 2.2 GPA and low standardized (ACT/SAT) test scores. Now imagine being told you were a good kid, but you weren't really "college" material, so maybe you should consider "other" options.

In addition, imagine growing up in a tough inner city ghetto, as a child of a teenage mother (with no high school education), and no father in the household. What would you say the odds would be of you "getting into" college? What would you say the odds would be of you "succeeding in" college if you were fortunate enough to be accepted? Would it be safe to assume that the odds probably wouldn't be in your favor?

Well, this was the situation Joe Martin faced as a graduating senior growing up in the inner city ghetto of Miami, Florida. In addition to the scenario just described, no one in Joe's family had ever gone to college (let alone graduate); he barely made it out of high school himself (and most of his friends didn't); he watched six of his friends die violently before he reached the age of 16; and more than a dozen of his friends were incarcerated for various crimes.

However based on one negative comment from a Navy recruiter who told Joe that his SAT scores were so low that no one would even let him drive by a college, Joe decided to prove the doubters wrong (including the ones who told him to consider other options after high school). Not only did Joe go on to graduate from college, he excelled, achieving the following:

  • graduating in only 3½ years.
  • graduating at the top of his class in his major (with honors).
  • voted "Student of the Year" among nearly 10,000 students (by his professors).
  • selected "Who's Who Among American College Students."
  • landing a job after graduation paying him in the top 10% of entry level employees in his major.
  • and he became the youngest tenured-earning professor ever hired in the state of Florida at the age of 24.

Joe said that the most important lesson he learned from all this was, "It doesn't matter where you start in life, what counts is where YOU DECIDE to finish."

So the real question is what happened?
What did he do to cause such a dramatic turnaround?

  • How did Joe go from a 2.2 high school GPA to 3.8 college GPA?
  • How did he go from the middle of the class in high school to the top of his class in college?
  • How did he go from one of many students in high school to "Student of the Year" at his university?

 

Simple…with a system he developed as a student
(and perfected as a professor) called,
the "Tricks of the Grade."

As a result of his "Tricks of the Grade" system, Joe discovered how to:

  • Position himself for higher grades on the first day of class (without sitting up front) (Tricks #3, 5).
  • Master the best kept secret to academic success (Trick #1).
  • Get better grades by getting others to study for him (legally) (Trick #9).
  • Make the college system work for him instead of against him (Trick #7).
  • Bend the rules in his favor without breaking them (Tricks #4, 10).
  • Avoid the most fatal mistakes that 95% of students make (unconsciously)
    (Trick #6).
  • Get his professors to give him better grades than he deserved (ethically) (Tricks #5, 6, 8).
  • Get "inside information" from his professors (Trick #5).
  • Ace boring courses and tame tough professors (Trick #7).
  • Stay motivated in spite of boring classes and boring professors (Tricks #1, 2).

Having spoken and presented his "Tricks of the Grade" program to more than 110,000 college freshmen on 450 college campuses across the country, as well as to thousands of high school students, Professor Martin finally brings his award-winning program directly into the homes of anyone and everyone who wants to succeed in college. Tricks of the Grade is an eye opening, power-packed program on the realities of college (as it relates to academic achievement). Giving students "inside secrets" that other professors won't dare talk about, Tricks of the Grade will literally shock you (and your student) with its honesty, boldness, and directness.

And Tricks of the Grade is anything but traditional. Students DO NOT learn study techniques, memorization gimmicks, speed reading strategies, note taking skills, or test stress relievers...

...although all these skills are important, if these strategies were so effective, the national college graduation rate wouldn't be a dismal 53% (according to American College Testing) and 33% among minority students (according to Blacks in Higher Education). In other words, Tricks of the Grade offers an alternative to the traditional strategies for academic success.

 

The one thing that sets Tricks of the Grade apart
from all other student success programs
is the guarantee that comes with it.

After you purchase the program for only $29.97, the guarantee is this:

Satisfaction Guarantee

NOTE: We believe so strongly in this product that our traditional practice is to give you $100 for any course you receive less than a "B" after applying the 10 tricks. We cannot offer that guarantee due to limitations from our credit card processor, which has a 90 day refund limit, but we will personally work with you to remedy the situation if you don't feel this product is working... but keep in mind the following:

In nine years of teaching Tricks of the Grade, and offering $100 for every grade lower than a "B," RealWorld University (our organization) has NEVER had to pay even one dollar back to a dissatisfied student or parent! Ever!

 

What Educators Are Saying About
"Tricks of the Grade":

After one of my more "challenging" students (a 9th grader) told me he made the honor roll after attending your "Tricks of the Grade" seminar, I was very curious about your program. After his mother called and told me how his attitude toward school has changed and how confident he was about school, I was no longer curious, I was convinced we needed to bring you to our school. If your program could help Nic, it could help any student.
- Dr. Pink Hightower, Princpal, Rickards High School

Your seminar, "Tricks of the Grade" certainly made my day! I was thrilled for several reasons. First and foremost, you had the students fully engaged for two full hours. Few presenters are able to keep everyone's attention for that long; you are one of them. Your information is that good. Don't change a thing.
- Bruce Cook, Director of Student Activities, Daytona Beach Community College

After your "Tricks of the Grade" program, a student couldn't wait to tell me that he applied your strategies. The student boasted about how he made the dean's list for the first time in his college career. As a Student Activities Coordinator, it is my hope and goal to improve and enrich the lives of students. Joe - this is exactly what you do every time you speak to our students. THANK YOU!
- Whitney Gaston, Student Activities Coordinator, Polk Community College

I just wanted to thank you for presenting the "Tricks of the Grade" on our campus. What an impression you made, not only on our students, but the staff and faculty as well! After a year, I still have students asking me when we are going to invite you back. They (students) say they can't believe their grades!
- Nancy Friley, Student Activities Coordinator, St. Petersburg College

Thank you so much for presenting at our New Student Orientation. Your "Tricks of the Grade" program was an absolute hit! The students loved your style, humor, and message. Many of my students have commented throughout the year on how they were using the techniques and strategies you taught them. They (the students) said that your strategies have definitely helped them achieve better grades. I can't thank you enough for your wonderful program. You are such a dynamic speaker, and you relate extremely well to college students.
- Katherine Titus-Becker, Director of Orientation, Florida Southern College

Professor Martin, thank you so much for presenting "Tricks of the Grade" to our students. You were the talk of our campus! - what can I say, we only have 3,500 students. Your strategies and ideas have inspired them beyond my wildest expectations. I've never seen so many students actually anticipate GOING to class. Keep doing what you do, because it's working!
- Carlton Goode, Student Activities Director, Shaw University

 

Download the Tricks of the Grade Action E-Course

 

Now ask yourself:

"What kind of guarantees are the colleges
offering you when you register
your student for college courses?"

"What kind of guarantees are being offered on your student's textbooks (which typically cost twice the amount of this E-course)?"

The point is this, if you're going to spend thousands of dollars ON college, why not GUARANTEE your (or your student's) success IN college?

 

But, don't just take our word for it!

Read What Some of the Parents are Saying About Tricks of the Grade…

After I attended your "Tricks of the Grade" Seminar at Black Hills State University with my son, and I had to buy the entire program. I only wish I had access to this information when I began college. I would like to talk to you more about your "making the grade" techniques and how I can get you to do a program for my son's old high school. I don't want to see these kids make the same mistakes I made. Thank you again for sharing your "Tricks."
- Michael Perry, Parent

As a parent, I was totally pleased with the "Tricks of the Grade" program. Not only was I impressed with the material presented, my son was hanging on every strategy. He told me afterwards that he'd never been to a seminar that was so informative, but at the same time so much fun. I would definitely have to agree. Thanks Prof. Martin for igniting a spark in my soon-to-be high school graduate.
- Ezra A. Merritt, Parent

Your program totally blew my daughter away. She never expected to hear anything new about acing college. Need I say she was a little doubtful and reluctant about attending. It was so much fun sitting there with her, watching her expressions as you introduced strategy after strategy. "Tricks of the Grade" was much better than she expected and much more valuable than the cost. Thanks for proving me right. Keep spreading the word.
- Dan Ouimette, Parent

I attended the "Tricks of the Grade" seminar with my daughter, and I asked her what did she think of the program afterwards. Her response was "Wow!" I asked her to elaborate a little more and she was speechless. I know that may not communicate much to you on the value of your program, but as a parent, I was totally satisfied with her response (you have to know my daughter). I would definitely recommend your program to other parents.
- Margnerva Casperson, Parent

I thought your "Tricks of the Grade" program was very informative and focused. I learned a lot, not only as a former college graduate, but also as a parent. My daughter said after the seminar that she appreciated a program that finally focused on "real life" application to college instead of the typical "how to get scholarships" and "the importance of college" information. And I must agree with her. What difference does it make if I get her into to school if she can't successfully get out? I hope the high school brings your program back again, because I have a couple of friends who will have graduating seniors next year. Thanks for coming.
- Debbie Braham, Parent

I feel this program should be offered at every high school in the country! Not only did my daughter receive a great "real world" education about what college is "really" like, I learned a lot as a parent on how I can help her succeed as well. To say that I was satisfied with the "Tricks of the Grade" would be an understatement. I only wish this program was around when I was graduating from high school. I can definitely see why it's so popular.
- Katherine Miller, Parent

"Tricks of the Grade" should be taught to more high schools. Period! If it isn't a national program, it needs to be. After your program, my son kept saying, "That program was different. He didn't tell us the same things everyone else has been telling us." I must admit, I was totally surprised myself. I kept saying to myself, where was this guy when I was in high school? I have another child already attending college; I hope it isn't too late to share some of your strategies with her. Thanks for an amazing program. I will be telling others.
- Gail Rivers, Parent

I have two children who are in college, and my son, who's a graduating senior, attended your seminar at his college. My son actually begged his younger sister (a freshman) to follow your strategies. As a result, she made the Dean's List the next semester. I told a friend about my daughter's success and my son's enthusiasm, and she insisted I get in touch with you for her daughter, who is a senior in high school. Thank you so much for inspiring my family.
- Judith Rush, Parent & Middle School Teacher

Download the Tricks of the Grade Action E-Course

 

However, as good as the Tricks of the Grade E-Course is,
it isn't for every student.

This program IS NOT designed for…

  • students who are looking for something for nothing (i.e., no motivation)
  • students who can't follow simple directions (i.e., no common sense)
  • students who are afraid of their own shadow (i.e., no courage)
  • students who are being forced to go to college (i.e., no commitment)

However, the Tricks of the Grade E-Course is designed for…

  • students who believe they can do much better in school if they only knew how
  • students who are afraid that college will be too tough to for them
  • students who are stressing themselves out just to maintain a "good" GPA
  • students who obsess over their grades, but want more out of college than just a high GPA

As if the program wasn't enough,
your student will also be eligible to receive
(at no additional cost)
the following benefits and bonuses:

Bonus 1 - FREE Enrollment in RealWorld University

FREE Enrollment in RealWorld University - the largest college student success web site on the Internet. Your student will receive advice, motivation, and inspiration as he or she attends college (via email) all the way through to graduation.

Bonus 2 - 24-hour Access to Professor Martin and His Team of Experts

FREE 24-hour access to Professor Martin and his team of experts - where your student can submit his or her college questions (via email) on topics ranging from academics to finances. Tricks of the Grade students will get first priority when they submit questions.

Bonus 3 - A 50% Discount for a One-On-One College Coaching Session

A DISCOUNT (50% off) coupon for a one-on-one college coaching session with Professor Martin (via telephone) during the course of your student's academic career. NOTE: The discount coupon and the access to the RealWorld University team alone are worth three times the cost of the entire program!

Download the Tricks of the Grade Action E-Course

 

The Tricks of the Grade E-Course is not some magic formula that will suddenly transform you or your student into an academic genius. But it's much more than that…

This program is designed to do the following:

Build a student's self confidence

Improve a student's character (in and outside the classroom)

Strengthen a student's relationship with his or her professors (by becoming a model student)

Give students access to information most students don't have and/or don't know how to get

Show a student how to stand head and shoulders above all other students

The investment is minimal (LESS than the price of a text book and a FRACTION of the price of ONE college course), but the potential rewards are tremendous. And remember, the program comes with a 90 day guarantee. Your decision doesn't get any easier than that. You have absolutely nothing to lose.

Can your student succeed without Tricks of the Grade? Of course they can. But the question is: would they want to?

Frequently Asked Questions

Tricks of the Grade Action Program is available in PDF formt
Tricks of the Grade E-Course is available in PDF format providing you with an easy to read, virus-free format. If you do not already have Adobe Reader on your system, you can download it for free by clicking the button below.

Instantly Download the Entire System and Secure Your Future Now for Only $29.97!

Click here for an INSTANT download of "TRICKS OF THE GRADE E-Course"

Once your credit card is approved, you will be sent an email immediately with a link to download to a special download page where you will download the program.

VisaMasterCardDiscoverAmerican Express

INSTANT ACCESS Purchase Online with Credit Card or E-Check by Secure Server

Click Here NOW to download your copy!
It doesn't matter if it's 2:00 in the morning!


RealWorld University, LLC
c/o Professor Joe Martin
3813 N. Monroe | Suite #7. PMB - 26 | Tallahassee, FL 32303
Toll free: 1.888.576.2377 | Fax: 850.222.7752

Disclaimes and/or Legal Notices - Top


About Professor Joe Martin

JOE MARTIN is a nationally known speaker, respected university professor, author, and educational consultant.

At the age of 24, Joe became the youngest faculty member ever hired to teach at a state university in the state of Florida. He also has the distinct honor of being the youngest professor at his institution to ever be nominated twice for the "Distinguished Teacher's Award."

Joe has addressed more than 450 organizations, associations, businesses, colleges and universities, helping hundreds of thousands of students and staff members across the country achieve more, live and serve more passionately, and maximize their leadership potential. In 1999, the Association for the Promotion of Campus Activities selected Joe as its national "College Speaker of the Year."

Professionally, Joe has worked as a top sales trainer for a Fortune 500 company and as a public relations professional for both the state and federal government, including a position as Communications Director with the Florida's Governor's Office. Joe is also the founder and president of "RealWorld University" (www.RWuniversity.com) an award-winning college success web site designed to help students meet the personal and professional challenges of college and life.

Joe has also hosted a regional talk show, called "Student Reality," which seeks to provide students with real world answers to real world problems. He has made several guest appearances on both television and radio, and he's been featured in several newspapers and organizational newsletters across the country. Joe is also the author of three books: "Tricks of the Grade," "Let Your Life Shine," "Let Your Leadership Speak," and several audio programs. He also serves as a guest columnist for two national publications: Student Leader Magazine and The Black Collegian.

Currently, Joe serves as a visiting professor and consultant with Florida A&M University in Tallahassee, Florida.

As a Speaker

  • Spoken for more than 750 businesses, organizations, and associations in the past four years.
  • Speaks on more than 60 college and university campuses a year
  • Recognized nationally as one of "America's Top Motivational Professors."
  • Was voted APCA's "Campus Speaker of theYear."
  • Has shared the same platform with top speakers such as Tavis Smiley (Host of Black Entertainment Television), George Fraser (Author of Success Runs in Our Race), and David Robinson (San Antonio Spurs Basketball Player).

As an Author

  • Author of Tricks of the Grade: Street Smart Strategies for Acing College
  • Author of Good Teachers Never Quit: 50 Ways to Keep the Fire Burning Without Burning Out
  • Co-Author of Let Your Leadership Speak: How to Lead and Be Heard
  • Has written more than 125 articles for more than 20 publications, including newspapers, magazines, organizational newsletters, and Internet Web sites.
  • Editor and Publisher of “First Class Teacher Monthly” and “The Educator Motivator.”

As a Professional

  • Youngest professor ever hired to teach at an accredited university in the state of Florida at age 24.
  • President and Founder of RealWorld University, a success resource center on the Internet designed to help college students succeed in school and in life.
  • Serves as a visiting professor and educational consultant in Tallahassee, Florida.
  • Owned and operated a successful retail clothing store at age 22.
  • Worked as Communications Director for Community Service for the Florida Governor's Office under Lawton Chiles
  • Voted Outstanding Alumni Award Winner for achievement in business.
  • Nominated twice for the "Distinquished Teacher's Award" at his college (the youngest ever nominated
  • Selected in "Who's Who Among America's Teachers."
  • Owned and operated a successful special events/public relations agency at the age of 26
  • Selected in "Who's Who Among Business Professionals."

As a Media Personality

  • Former talk show host (Student Reality) and radio talk show host (Good Teachers)
  • Press coverage in more than a dozen major dailies in the southeast, including the Miami Herald, Atlanta Constitution, Florida Times Union, and the Tampa Tribune
  • Featured in more than 50 other print publications and organizational newsletters.
  • Featured guest on more than 20 TV and radio programs across the country.
  • Guest Columnist for three (3) national publications

Top


Frequently Asked Questions

1. (My student) I have a very low GPA -- Will this work for me?

If you apply ALL ten (10) strategies outlined in the program, you WILL improve your GPA (guaranteed).

2. (My student) I have a learning disability -- Will this work for me?

If you have been ACCEPTED to a higher-ed institution (based on your basic requirements of aptitude), this information WILL work for you. The strategies have nothing to do with study strategies, memorization techniques, speed reading, or SAT scores. If you can speak, write, and think (common sense), you can apply these strategies.

3. What does the GUARANTEE include?

If you apply ALL 10 strategies, and if you're still not completely satisfied with the results, just send us an official college transcript verifying the grade ("C" or lower), along with the professor's contact information, and we will immediately give you a full refund (within 90 days).

4. If your program doesn't cover study, memory, or reading techniques, what do you cover?

We cover the unspoken, unwritten, truths, secrets, and realities about the system that you will not find or get in a college book, a college guide, from college professors, at college orientation, or even from other college students.

5. How soon can (my student) I expect to see results?

By the end of the semester in which you apply the strategies.

6. How difficult is it to apply your strategies?

The Tricks of the Grade strategies only requires three things: courage, commitment, and common sense. That's it!

7. Will your strategies help (my student) me succeed in high school?

Tricks of the Grade was designed for success in college, but high school students have stated and written that they have improved their grades using these strategies in high school. However, we don't offer the guarantee in high school, only in college.

8. Could you tell me one of the strategies before I decide to buy?

The reason why we offer the guarantee is because the strategies work. Any one of the ten strategies could have a tremendous impact on your (your students') grades. If grades are important to you (and your student), do you think it's worth an investment that comes with a "B" or better guarantee?

Top


DISCLAIMER AND/OR LEGAL NOTICES:

The information presented herein represents the view of the author and publisher as of the date of publication. The author reserves the right to alter and update his opinion.  This publication is for informational purposes only.  It is not intended to provide exact or precise advice. The contents reflect the author’s views acquired through his experience and knowledge on the subject under discussion.  The author and publisher disclaim any liability for personal or business loss caused by the use of or misuse of or inability to use any or all of the information contained in this publication.  This publication is a guide only, as such, use the information wisely and at your own risk.

Top