Thank you for the help....following up on the invalid transaction..Hmm....did I do something wrong?  That was my biggest one, here is a link to the Blockexplorer.  I can post this in another thread if its not appropriate to ask here:

https://blockexplorer.com/tx/c02cb421ac8149e08951c8e14776093ae6e9b42f4de1ce250a7017fd9118c520