I appreciate your help but I still think something is messed up with the site or my account. I did as you said and the home page came up. I don't see a link at the top that says "Forums and Login". All I see is "Forums". When I click on it, it deletes the "S" from v-twinforums and makes it v-twinforum. So I deleted all the cookies and temp files, again, closed and reopened the browser and this time I put in the address "www.v-twinforums/forums/". It went straight to the forums page and left the "S" in but I still can't read any of the threads in any forums without logging in, except the "v-twin forum general talk" forum.
I realize everyone wants to blame the user but I do work with computers so I'm not stupid about these things. I haven't changed anything with my computer to cause this to start. AS that other user said, it started after an upgrade of the site. Why it doesn't affect everyone is anybodies guess.