Sorry but if your having to ask these questions you have no business thinking about it.
Why would anyone say that
@ BitcoinChick86,
Seasons greetings & welcome to the (usually) friendly Bitcoin community
In your case, I would recommend setting up your own public p2pool node, that way, you can set your own fee & you will be helping to decentralise & secure the Bitcoin network. There are a few easy to follow guides available on this very forum that make the set-up a doddle - and it's a great way to learn also. If you need any help, just ask in the p2pool thread
Good luck!