Thanks Playfelt, that's what I keep thinking. My husband says its up to me what I do. But I do feel that he has a say, since it does effect him as well.

My parents think I should just stay with the agencies since they will "protect me". My parents don't like to take risks and have tough me not to take then either, but I am tried of playing it safe.
So, if I can get 2 private clients signed on for September, I WILL go private. I think I really need to take this risk for my own piece of mind and well being.