Madis...I'm at work, so I can only respond briefly this morning. This was a crime that your sister committed. A crime, period. She needs to be held accountable legally for doing this to you. Basically, you handed her some money that was yours, trusted her to take care of it for you (she suggested it!), and then she stole it from you. A total breach of trust.
l'll comment more this evening.
Love
Patty