Gunney,
There are several decal setting solutions that work well, try out some Micro-Sol and Micro-Set and see if you like them. They are fairly cheap too.
I use Micro-Set if the surface has only a slight depression that the decal needs to snuggle into, and Micro-Sol if it is more pronounced and needs more softening. If the decals are thicker and Micro-Sol does not work well enough, then I get out the Solvaset and try it. This is the strongest setting solution out there I believe so test it on an unwanted decal from the kit on a scrap model first to make sure it doesn't make the decal come apart.
I agree with the advice everyone has given so far as that is what I usually do.
I paint the model, wait 48 hours, coat it with Future, wait 48 hours, apply the decals and setting solution on them, wait 48 hours, put another coat of Future over the entire model again, wait 48 hours, apply your washes, wait 48 hours, then give it a final coat of clear flat. It takes over a week to go through this process but I think it is worth it as it minimizes the chance of lifting from underlying coats of paint, etc.
Mike
“Wisdom is the right use of knowledge. To know is not
to be wise. Many men know a great deal, and are all the greater fools
for it. There is no fool so great a fool as a knowing fool. But to know
how to use knowledge is to have wisdom. " Charles Spurgeon