Rookie, you mention that free advice is just that, and not to take it too seriously

I was only referring to myself. I also have been advised by T7, Andy, Res and others on the ins and outs of trading and tax planning, and you are right in saying that the advise here is better than any where else. The reason being it is very specific to the situations we face as investors. It also bodes to the character and integrity of the posters, as people that are willing to give their time to someone they do not even know shows their true character.