also good to read your differing opinion that you stated your...

also good to read your differing opinion that you stated your reasoning as to why. Enjoy reading posts like yours as it challenges what I currently think. Many may see it as downramping but they are only the ones who are worried,over leveraged, unsure about where their money is parked usually from lack of understanding or research. People tend to only prefer little pep talks and pats on the back with high fives to reassure themselves.