thank you very much for your suggestions.... Like u guys said communication plays a big role.... i have learned the lession on investing money to brothers... I will NEVER EVER DO THAT>...I am 25 now......came here when i was 20 ...so these whole yrs i worked hard..i dont know where the hell money gone....but now i have learned the lession ......thank u for u great suggestions........ i have five yrs to be 30 ....oh no..