By filling out this Submission Form you grant Ask Ann and TAWT Inc. permission to publish it in perpetuity online. Your full name and contact details will never be included or distributed. The advice and guidance shared expresses personal opinions and views and is intended for informational purposes only. Use of this column is not intended to replace or substitute for any professional, financial, medical, legal or other professional advice or counsel. If you have specific concerns or a situation in which you require professional, psychological, or medical help, you should consult with an appropriately trained and qualified specialist. The opinions or views expressed in this column are not intended to treat or diagnose; nor are they meant to replace the treatment and care that you may be receiving from a licensed professional, physician, mental health, or financial professional. This column, its author and TAWT Inc are not responsible for the outcome or results of following any advice in any given situation. You, and only you, are completely responsible for your actions. (C) TAWT Inc