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I'm confused by the wallets and feel like I've found mixed answers around the web so I figured I would try my luck here.
- Do I need to download a wallet for EACH currency I own/mine or is there an a downloadable wallet that holds multiple currencies?
Its not mandatory to download a wallet but if the coin you want to use has a provision for a web wallet you could use that.. and great news for you there are a handful of multicurrency wallets but you can take a look at
https://jaxx.io and
https://bit.ac- If I delete a wallet from my hard drive do I lose all my coins or can I just re-download the wallet and get access to my coins as long as I have the address/password saved for the previous wallet?
If you have the private key to the wallet stored separately your coins are safe and address/password are not good enough to secure your coins
- Is there another good site/forum/place that would go into more details about wallets in general?
Look no further, BITCOINTALK is your answer... you will be amazed at how much information is available to you right here on the forum
good luck with our journey