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Actually, there's a little more to it than that, which is why I've been using the term "advice" (in quotes). There is a legal obligation that comes with professional advisors giving "advice". This is very different to getting information or suggestions from a mate, or someone who has been there...

Just to be perfectly clear - from a "legal" definition of the word, nobody is allowed to give advice on this forum, especially not those people who would normally do so in their day to day work. This includes financial advisors, accountants, solicitors, doctors, etc. By this I mean that it is...

Oh. I was thinking of changing it.

The basis for most (but not all) people involved in the Somersoft forums is the books written by Jan Somers - http://www.somersoft.com.au/books.htm Certainly not the only strategy represented here - but many people came to this site after reading one of Jan's books.