Thank you for the very detailed response! I appreciate laying it out for me in simple terms because I am kind of an idiot when it comes to this stuff. Thank you also for the links, I'll be sure to check them out later!

EDIT: And also thank you for the service! If I do get paids for any of my journals -- which I did for a bit before, so it's not out of the question -- I have no doubt I will greatly appreciate this service.