thank you very much for you comments groundbased i have fully digested them and it as given me yet another few things to consider. i sometimes kick myself on how much time i have wasted before i was married where i could have done some of this but, nobody can turn the clock back, its all about the present and future now, so i will put a more detailed plan together and do some long and hard thinking, especially after the excellent/ upbuilding comments & advice i have received today