Coronita
This is actually great advice thank you. I do have a benefit from my employer, in fact a pay $3 extra every paychek for a little more benefits but never use them. I will give them a call.
In the country I am from I do know a lawyer, a doctor a techie and handyman. I am living in the United States for 16 years but is harder to make friends LOL. Need to start working on it.