That is a baseless and easy accusation to make.

As is common with many of your statements, it is a bald assertion.

Do you really think that you are so much more advanced - in whatever level or type of authority is involved - that people should take your unsupported word for it?

If so, you sadly misjudge the effective usage of these types of message boards. You can use it as a soap box to announce your personal opinions and fail to back up your statements. People will soon understand that is what you are doing and discount your statements to mere background noise. I am rapidly reaching that point with you.

Or, you can be an asset to the board and back up your statements with easily verifiable facts (usually because you have pointed someone to those facts or cited them with references). This is especially useful if you are pointing out new material that others might not have seen. Differences of opinion are certainly acceptable, but bald assertions with no support are the material of shouting matches rather than informative discussions.

You are free with your opinions, but rather lacking in the presentation of source information.

If I have "no experience in Finance and Investments", what have I been doing the last 12+ years? During that time I have been building my retirement funds from practically zero to a level where I am reasonably certain that I should be able to retire comfortably and relatively soon.

I can tell you that actually investing your own funds and watching your mistakes and your successes happen in "real time" certainly gives you "experience in Investing".

It also drives home the practical lessons far better than reading "Finance 101" textbooks ever will.

While I am far from an "expert" in many fine details, to tell me and others that I have "no experience" is to - perhaps unknowingly - fabricate gross untruths.

There is growing evidence, circumstantial and otherwise, that you are in fact one of the personas of "Deep of Yahoo".

This kind of post from you certainly reinforces that idea in my mind.

Is this perhaps the "irony" you spoke of in your earlier posts? It would indeed be quite ironic if the "Deep of Yahoo" managed to sign onto this board with that handle and maintain membership on this board.