My original heading for my first post was "tale of woe - advice needed", but it got changed by a moderator. I also notice that many have been making assumptions which simply do not apply in my case. Whatever the significance of all this, I was seeking advice, wrote my story with that end in mind, and advice is what I got, both on the board and PM. No point in wrangling with those assumptions. With one exception, no one here knows me other than though these posts, and in person I would likely appear totally different. Some of the advice/information has been very helpful. So I got what I sought after and that is what makes a board like this so helpful.
Someday when all this comes to a conclusion perhaps I will put a more complete story in perhaps the adventure continues (stops?) or wherever seems appropriate at the time. Even if there is a very happy conclusion I know there are those who pick on this or pick on that or put me up for slaughter, but my experience may be helpful for others. As I already mentioned, I have been on these boards before. There is the good and the bad, and I will take the bad so I can gain from the good.