Update,  I've been going through it methodically and discovered that the character _ seems to cause some of the insanity!!!   my SSID on all my previous routers had been name_LAN_1  on this one,  it causes the unit to go insane.  
also figured out that the system does not like a password longer than 4 characters!!! what kind of security is that!  when I used Span1shGu1tar as my password I was unable to login to the system,  also password seems to be too long! as long as I stick to 4 char passwords (with no special characters) the router is stable,  unsecure but stable!  Guess D-link doesn't think the admin account needs a strong password!!