Although the author, Harmel S. Rayat, started his investment career in the stock brokerage industry, he is neither a registered investment advisor, broker, lawyer or tax expert, nor does he hold himself out to be one. This book is designed only to provide general information relating to the author’s personal investment experiences solely for educational purposes, which means that the information is not intended as investment, legal or tax advice to any individual or as to any particular matter, whether it be business, investment, legal, procedural or otherwise. It reflects only the author’s personal thoughts, opinions and experiences based on his personal investments over a period of several decades.

The results the author has achieved, as recounted in this book, were unique to him and you may not experience similar results even if you were to attempt to model your investment activities after the author’s own. The author makes no representations or warranties that any investor will, or is likely to, achieve profits like those described in this book; past performance by one investor is not necessarily indicative of future results that another investor will achieve.

All investments, including real estate, are speculative in nature and involve substantial risk of loss of part or all your investment. The author strongly encourages you to invest carefully and to get personal advice from your professional investment, legal and accounting advisors as appropriate because the information provided in this book is not intended to replace or serve as a substitute for any legal, real estate, tax, or other professional advice; and, don’t make any investment without first doing your homework (research and due diligence) and fully understanding the worst-case scenarios of that investment.

None of the material in this book takes into account individual investment objectives, financial situation or needs and is not intended as investment advice appropriate for any specific person. You must make your own independent decisions regarding any of the author’s investment approaches described in this book.

References in this book to specific companies, in particular SolarWindow Technologies, Inc. and RenovaCare, Inc., are provided solely as examples reflecting the author’s personal impact investment philosophy and are not and should not be deemed to be a solicitation of an offer to purchase or sell a security. Te statements made by the author regarding these companies, the reasons why he invested in these companies and his opinions as to their prospects and societal impact are his and his alone. They are not the statements or opinions of the companies themselves, or of their respective officers and directors. You should not treat any opinion or statement made by the author regarding the companies as a specific inducement to make a particular investment. Again, as noted above, do your own research.

The information presented in this book has been obtained from sources the author believes to be reliable; however, he does not assume and hereby disclaims any liability to any party for any loss, damage, or disruption caused by errors or omissions, whether such errors or omissions result from accident, negligence, or any other cause.

All rights reserved. No part of this book may be reproduced in whole or in part without written permission from the author, except by reviewers who may quote brief excerpts in connection with a review in a newspaper, magazine, or electronic publication; nor may any part of this book be reproduced, stored in a retrieval system or transmitted in any form or by any means, electronic or mechanical, including photocopying, recording, or by any other means, without written permission from the author.