Hi Mike...couple of questions if you please....
I went ahead and downloaded the portable version of Electrum per your suggestion and signed up and chose the mooo.com server. I also stored the mnemonic phrase in case I lose something.
I noticed when I clicked on the "Receive" tab at the top that it had automatically created 5 addresses (which I hope is normal?).
If you would be so good as to send me a penny I'd like to test it out and I'd be happy to send it back to test my sending too.
I'm going to put up the first address it created here===> 17qzaQHNc63ZuTQ5E9EtnLGthbUvYSASHv

Thanks again!
Joe