well..I am 21 yrs. old Ji&Ma..lol...I mean his not the type that do savings really...well...lucky to say that we do have 6 mths. worth of bankstatements Jay&Zobel...can you tell me guys how what to do after I have all the requirements that we need?? I mean Im just confused bout the whole thing really...where will i go? and what will I do??...Please do help me!!!): God Bless you all...