okay, i have to jump in here and post (this is my first, so i'm no longer an ecf virgin!) because i need a WAY lot of help.  i have spent hours reading all this info and am more confused than when i started.  what i really want is someone to hold my hand and direct me to a place and tell me what to 
buy, all inclusive one-stop shopping.  i am afraid if i don't get the right thing to start with, i will give it up after a couple of tries.  i don't have much patience, guess you can tell.  someone?  anyone?