OMG - I have been threading my machine wrong since the day I picked it up. On top of that I wasn't inserting the bobbin correctly. I called the dealer where I bought the machine and they went step by step with me. I am so happy that it sews like a dream now and so I am passing this on to anyone else who may make the same mistake. I feel like a boob but I am happy that my machine works great.
BTW, my sewing machine is Husqvarna/Viking Sapphire 875Q. Now I am sew happy..... :D