I almost posted to the forum that I couldn't get my fulltext search to work with the word 'xml' but I decided to do another test with another word that just happended to be three letters long. This test failed also. Which made me realize it wasn't the word 'xml' that caused the problem. Well after re-reading the documentation for fulltext search I realized that I skipped a whole section. It turns out that the default minimum number of characters for searching is four.
Just posting this in case someone else runs into the same and gets as frustrated as I did. Now I'm reading the documentation to figure out how to change the default to three characters.
later.