First off, I have to say a few official things:
I am just one person but I do consult with experts to answer all of your questions. Nobody knows all (or even most) of the answers. You should take everything I say into consideration but I could be wrong or not really know your real situation, so please remember that.
Only send me a question if you want to see it published on gURL.com. I can no longer send out e-mail answers to questions. There is a new question posted once a week, usually on Fridays. So remember to check back to see if your question is here.
I am a big fan of various advice columnists but this is my first experience in this matter except for just living my own life and trying to think clearly about all the choices that I make.