Leela,
If you ever decide to try out Escorting, give me a ring. I can give you great advice. I can even help set you up in a place, get some clients etc. I wont charge you a thing.
And most above all else, don't accept black clients when you work by yourself. Less change of being raped or robbed.
Black culture is diseased, so stay away from blacks and most of your trouble will dissipate.