@frenchpress: Thank you, I had no idea that "Manufactured Spending" was the term used for that. Thanks for the suggestion.

ibleed0range: There is so much noise out there and hard to discern the substance from the fluff and outdated info when you've been out of it for a while. I was hoping to get most salient tips from helpful people at FF. Thanks for your suggestion, though. I'm afraid it would take a lot longer than 5 seconds for a n00b like me. ;-)

@Hecta: GREAT TIP! Where best to purchase VSGC?

-Tony