looser bro - although we have already communicated via sajha message, i don't want to look like i ignored your questions. 

not to sound arrogant or anything, but if you take a little bit of time and do some research on your questions, you will find plenty of answers. some of the answers will be specific to the area you live, your income, etc.

i was just trying to be that guy showing someone how to fish instead of feeding him fish everyday....you know i'm sayin :)

but if you hit any dead ends, i'm definitely willing to help. and once again, after our message conversation, you're on the right path. all the best to you and wishing good blessed health to your parents.