I wanted to thank everyone for the help.
All the information IS available on this forum.
I appreciate all the post from all the profiles. after reading for a few weeks most my questions were answered and I did not have to ask questions that have been answered a hundred times over.thanks to those who have shared there experiences and good luck with all your goals in the future..thanks!
p.s. I should have used the profile name "porcupine " cuz my ass feels like a pin cushion.