Been going through a rough time lately. There is a lot of negativity out there and there are lots of "snake oil" solutions to separate your money from you. I have been craving insightful and positive words. This morning I saw a sidebar ad for this site and discovered what I was looking for. A small positive step forward, yet we all know small steps add up to big leaps. I am grateful - and that trumps negativity all day long! Thanks to everyone on this site.