Ok, so I was able to figure it out, Thanks so much for all your help.  What is different about my sound card configuration is that I have the ports up front which give me an additional “line-in/mic-2.” This is the one I wanted to use.  It didn’t matter what line-in mic I was using, I did not have the “record” slider all the way up.  Not sure why this makes a difference but it did.  I was able to trouble shoot the issue by using Google Talk on a separate computer which happened to be in the same room.  When the record slider is all the way down, No one can hear me.  If I could, I would show you a screen shot of my settings, but I am unable to figure that out at this time.  Again, thanks for your quick replies!!          LTARmedc