thank you for the reply and encouragement. and i didn't take it as you were shouting.
i agree i don't have a good grasp on this yet, but i really am trying
i have read and read the posts on this forum and i get confused sometimes with the responses. i'm not trying to offend anyone, i certainly appreciate everyone's advise and this forum. i think it is great and i am so thankful i found this forum. but sometimes when you read the posts i have seen different advise to some of the same questions i have and i get confused...so that's why i ask for myself to make sure i understand what to do. i hope you don't get frustrated with my repetitive questions. please bear with me as i learn and make sure i understand.

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