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There are SIX pages of advice here. Surely you don't expect everyone to go through every reply, make notes about what has already been said, and ensure that nothing is repeated??? This is the second time you have put conditions on those good enough to reply to you. Do you really want...

This is a public forum - you have put out a question and many people have gone to the trouble of giving you their opinion. There is some very good advice there, all given for free and with the best of intentions to help. Don't shoot the messenger just because you don't like what advice is...

I recommend you visit an account and get qualified advice as to how to go about achieving your goals in the most economically feasible manner. Marg