OK, let’s start from the start. I wrote a book exactly for people in your situation who did not get these basic lessons at home! If you will order it on Amazon (linked here) and read just the first half of the book, I will give you a personal money back guarantee if you don’t think it answers your questions. AND, I’ll be happy to chat with you via email if you have questions. But instead of trying to explain all these basics, this book will give you a grounding so you understand the specifics of my answers. So in the meantime, leave the money in the bank — except for the $10 cost of the book! Deal??