Disclaimer
 No, I am not a Financial Expert and you need to check with one before you do anything I suggest that makes sense and works ...because that is the LAW...you can not tell people anything to help them without telling them if it doesn't work for them you are not responsible...so Yes this is to make it clear I am a regular compassionate guy that cares and wanted to help you ...with what I learned from good old experience and common sense...BUT because I am not a TRAINED Financial Expert I must tell you not to depend on my insights and experience.  And you must make sure before you listen or do anything my book tells you to do to help you ...you must take responsibility to find out from your own EXPERTS in Finance what you should do.  

Blessings