I get a lot of feedback for financial advice but I know and understand that it's hard because know one wants to admit that they know little about such things. But the tragedy is if they don't ask so they can't fix their financial situation. And if they call somebody all that's going to happen is that they're going to try to be sold another something they don't understand and now they're paying for and their again back in the same boat. Isn't that true? Then why not ask me? I'm here to help. I don't ever charge for my advice and if you're interested further an how to implement something I will either help you or get you qualified help from someone nearer where you live that can sit down with you to help. It can't hurt, right? Who knows it just might be the help that you have been looking for all your life but never found till now. :-)