Notes:

1. Why do I have my e-mail address listed like this? It is to try and foil robot programs that roam the Internet for the sole purpose of harvesting e-mail addresses from web sites. The addresses they gather are later sold to outfits who then use them to clog the internet with worthless spam. If you are like me, you are ill and fatigued at getting daily doses of e-mail advertisements for worthless and fraudelent products. The tactic I use (presenting e-mail address in the form of an image) does help reduce the amount of junk I get. I am sorry if this presents an inconvenience, however the spammers are to thank for this.
2. I try to answer e-mail as soon as possible. However, please realize that I received over 385,000 visitors to my sites last year, and with about 0.8% of visitors writing it means a LOT of e-mail to answer. As a kid I used to wonder what it might be like to be a celebrity and get so much fan mail that it could not possibly be read... I now have a flavor for what that must be like! So, I do the best I can with responding. Sometimes I am very busy with work and other tasks and I may not be able to get to e-mail for a few days. Sometimes I am out of the country and have no access to a computer.
3. Sometimes I respond to e-mail and get an "undeliverable mail" notice back. Make sure your return e-mail address is correct! If you never hear back from me after several tries, it is very likely due to a bad return address.
4. SPAM will be deleted prior to downloading. I am very much against SPAM and very much against firms that use this form of advertising. If I need a product or service, I will research and seek the desired product myself. I do NOT respond to unsolicited ads and other garbage nor will I ever puchase a product from any outfit that partakes in this activity. These spam people are persistent (and pretty damned dumb if they think I am going to buy anything from them). I did take time to track one of them down and threatened them, they did finally agree to pull my address from their list. NO, I do NOT need a refinance or a loan, and I do NOT need any worthless pills for bodily disfunctions.
5. E-mail with Attachments I receive from unknown people will be deleted prior to download (due to the threat of viruses, etc). If you don't know me and want to send an atttachment, notify me first!

Thanks! Joe Roberts