Just to clarify
IMHO can be My Honest/Humble/Heartfelt Opinion
Now best put it in context as to where it is applied.
Family forum = Heartfelt
Share stock forum = Humble [while could be honest].
Third party intervention = Honest/Humble.
I personally would never apply "honest" to any discussion on money one may read on a forum. Not even from the PM [whatever side].
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