Well Reggie I see where you are coming from when you said that you like to borrow trouble. One cannot help but panic when one gets so many different advices with different motives. I have to say that most of the advices I have gotten here are positive which shows that they are on my side but every once a while one comes across some others who try to create panic in others with the motive of making money. Or maybe with the motive of not letting the information be available so easily to others, especially if one makes his daily bread by selling that information.
Not to criticize anybody just letting you know where you are coming from.