Issybird, thanks for your
helpful response, however contrary to what you wrote that "Rebecca.1960 has not been online since my question so that must mean I wanted a RANT instead of solution to my problem" ......
I say what a bunch of rubbish. First off, I read through all the replies and wrote a thread saying thank you to everyone. Secondly, I did get some helpful solutions and many that I've looked into, so I now have some good tips, and no longer need to be on this thread and, more important, when I saw how badly the thread went off topic with nitpicking about how we, here in Canada, write .99 cents, well it was a disappointment. For some silly reason I expected better from a board like this. However, again, I say thank you to all the posters who did help me with links, sites and generally good tips. Merry Christmas all