I'm feeling my way along, here. My first comment, and I only hope that I am doing it correctly.

Your article is a critical read for those of us who are just starting, and many of the comments that precede mine seem nearly as or as valuable. That you have taken the time to assist those of us who are just beginning is laudable, and I thank you for that.

I have many questions, and am already actively engaged in looking for the answers. Ironically, perhaps, your informative post has created more questions; an instance of learning that the amount of information that I don't have is much vaster than I believed it to be. A good thing, however, as I now am becoming aware of the direction my path should take.

Thank you, again, for your help.