ICERTIFIED.NET  ADDRESSES CANNOT BE SENT PERSONAL, OR "PRIVATE" REPLIES. YAHOO SENDS THEM BACK TO ME UNDELIVERED. THEREFORE, THEY MUST BE POSTED ON THIS PAGE -- BUT ONLY IF "PRIVATE" IS NOT REQUESTED.  

All ADVICE SEEKERS, PLEASE KEEP CHECKING MY SITE FOR  SEVERAL DAYS TO SEE IF YOUR LETTER GETS POSTED. I GET MANY LETTERS FROM ADVICE SEEKERS, AND IT OFTEN TAKES A FEW DAYS TO GET A RESPONSE FROM ME -- HERE, OR DIRECTLY TO YOUR IN-BOX.