DISCLAIMER This document is designed to provide experience information and motivation to readers. This document is not sponsored by any company or person. In using this document, be cautious to consider Each person’s situation is different Each person’s interests are different Each person’s objectives are different You are unique I accept no liability for any errors, omissions, misuse or misunderstandings on the part of any person who uses it I accept no responsibility for any damage, injury or loss occasioned to any person as a result of relying on any material included, omitted or implied in the document Pardon my English, the English is simpler and not journalistic type, the words expressed and references referred are only to give examples and share experiences and not to hurt any person/institution intentionally or unintentionally Hyperlink 1: You find hyperlinks to videos and articles, you can click on the link and continue understanding m
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