Very good post with a lot, and I mean a lot of great information. I look up to you and applaud you for your outlook and what you are trying to accomplish. This is what todays world needs, more people looking out for those that need it, and less deception. 
There is so much good information here, so i've book-marked this post to come back and try to soak it all in, even in the comments there is good information. Thank you for a great post!