First off, I'm sorry to hear that you're going through this. Obviously dealing with a 20 year long betrayal is beyond difficult.

But I do have to say that he's not being totally dishonest when he tells you that it's separate from his life with you. If he was snorting coke for 20 years, you would believe that. To him, it's the same thing. It's not that he thinks it's a good thing, or fair to you. He just views it as something he's doing, not doing to you.

This doesn't mean you have to forgive him, but you can certainly go on knowing that you have nothing to forgive yourself for. He did this for his own reasons, and they have nothing to do with you.

And you memories are not bogus, you can look back on your marriage as real. You just didn't know him as well as you thought.

Are you in counseling together?

Annette, you shouldn't feel that you did anything wrong. I know you know that, but you need to really believe it. It's not like he's been with a single woman for these years. He's been paying money for younger, attractive women to have sex with him. He didn't leave you for something real, he just paid money to get something he wanted sexually. It was pathetic. He screwed things up, but your life is still ahead of you.

You should set something up with a therapist to get you through this rough patch. I promise, a year from now you'll be in a much healthier place.

I'm so tired of people defending MLM. Bob, if this is the best idea you have at trying to make a living, then go for it.

Just to be clear; your husband was found passed out, with two hookers, with his pants down, and he admit to meeting at least one of them off the web before, but he says he's innocent of having sex with hookers?

Not only is he lying, he doesn't think much your intelligence either. The very fact that you're contemplating wether he's telling the truth speaks to how far you're willing to look the other way, and he knows it.

So yes, he is lying, and cheating, and probably doing things much worse than he just got caught doing. I'm sorry for the way he's treating you, but it's time to look at this guy for what he is. If you want to stay with him and accept it, then that's your call. But you have to at least acknowledge to yourself that he is doing these things.

Unfortunately I have had more exposure to MLM than I ever wanted. I have seen the machine built around taking the money of people like you. I know you won't believe me when I tell you this, but there are very big companies that make a good living off you, and then laugh at how dumb you are. That whole "fool and his money" thing is true, and there are players out there taking advantage of it.

You say this, but how much money have you honestly made at MLM? I'm betting you're just jazzed about the idea, but haven't actually made any money yet. Come back in 6 months and tell us all how well you did.

I think the best part of this comment is that not only have I heard of these people, I have actually met some of the people you mentioned. And I can tell you that people like Robert Kiyosaki and Donald Trump don't do these MLM trade shows because they care about you; it's people like you that provide them a nice steady income. They get a nice chunk of cash from idiots willing to pay hundreds of dollars to sit in the room with a bunch of other idiots and listen to someone who made money by not participating in MLM.

Since I have actually done work with two of the three people you mentioned, let me educate you on how they made their initial money.

Trump inherited a lot of Manhattan property from his dad, which then skyrocketed in value. Trump's wealth rises and falls with the value of that property. Now he makes money doing TV shows and being a brand. He also brings in a nice income from people like you who want to hear about how you can be rich too.

Kiyosaki made his money by flipping properties and rental income. It's an impressive and inspirational story, which is why he got a book deal. He then turned his bestselling book into a cult of fools who are willing to pay hundreds of dollars to hear stories about how they can be rich.

I have never worked with, nor met, Warren Buffet. But I do know he made money in the market, not selling bogus travel websites to the uneducated masses.

I know this is tough for you to hear, but these people made money the old fashioned way, not through pyramid schemes and network marketing. Just because these people are willing to take your money for MLM deals doesn't mean you should give it to them. Show me an actual example of someone who made millions through MLM, and I don't mean urban legends talked about at these conferences. If you don't understand finances, at least understand geometry and look at the pyramid. There are very few people standing on the top of many. Where are you on this pyramid? And deep down inside, you know you'll never be on top.

Spend less time worrying about what other people have and more time being grateful that you had a great education. Also, spend some time educating yourself on proper use of punctuation, you're making Harvard look bad.

I have been hearing plenty of negative things about Brickwork. There are so many companies in the virtual assistant space right now, so it's a shame that Brickwork couldn't maintain a good reputation.

Personally I would rather pay a little more and get someone local right now. With unemployment being so high, you can find people willing to take less money. How it might be tempting to get someone a few bucks cheaper, there is a lot to be said for having someone you can actually sit down with and go over tasks. Plus, we should be trying to employ more people here at home.

Cammy, it looks like we had opposite opinions. I hated the bed, but thought the service was really good. Do you think you would stay there again?