Where do I get decals or "rub off" letters to to change names on my engines and rolling stock ??
try here.
http://www.modeltrainstuff.com/HO_Scale_Decals_s/1444.htm (http://www.modeltrainstuff.com/HO_Scale_Decals_s/1444.htm)
any decent hobby shop should have them.
Flyer - You can also make your own with one of the decal-making kits from Testor's or Micro Mark (every color except white) using your ink-jet printer. To be honest, I have yet to delve into this facet of the hobby; but plan to do so ASAP. As was mentioned above, ready made decals and dry transfers ('rub off') are available from any model railroading source (Walthers being a good, albeit pricey, place to start).
Ray
One might try 'Great Decals' www.greatdecals.com
Many, many thanks to all that have replied - mosts helpful!!