Thanks for your comments everyone, it is really appreciated.

As for Number #1, well....... don't know how I got there, and still do not know what the 23,000 number means beside my title, does anyone know?  Does it mean I have to pay everyone 23 grand or something?

I mean , do not get me wrong, I would if I had the money, but some Nigerian ladies say they have first Dibs on my bank account, since Jordan ain't sharing his wealth with them!

Again, thanks, it means a lot coming from my peers.