Thank you for this. I guess right now, because I'm on my own (divorced and no significant other) I don't have anyone to bounce ideas off so you guys are the best alternative I've found so far.
I know I'm posting a lot and possibly running the risk of being labelled as somebody who "wants us to make decisions for her" - but aside from reading and researching online, these forums are the next best way for me to learn and get some general guidance. Plus right now as a newbie, I feel safer in this forum than venturing into the others - they are a bit scary
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