@reelknead1 and any other noobs. FT and MS is a not as simple as coupon clipping or clicking a link or two. There are risks involved and a learning curve. There are plenty here willing to help (myself included) by there is a very simple cultural initiation that is paralleled in the New Testament. FT helps those who help themselves.

Skim reading 20 posts doesn't cut it. 1-2 hits with the search tool doesn't either. You don't have to read all 80+ pages, just the last 10-20 in a thread will most often give you all you need to know.

Most MS is about getting a huge amount of value for low outlay. Surely that is worth a little effort? Messing around with $1000's surely is worth a little real research?

All the questions asked in this thread are reasonable, but all have been answered repeatedly throughout the top threads here. Not reading them comes across as "I'm too lazy and important to bother, so which sucker will give me the Cliff notes". I'm sure that wasn't the intent, but text reads as it reads, not how it was meant. (Same with this post).

{stepping of my sanctimonious soapbox now}