Whilst I take your point biffer/cookee. It's all a sliding scale of knowledge. I may be no boat builder but I believe can offer new starters some help on some topics.
I guess on here the real problem is people who won't accept others views or ideas, just blindly think they're right and tell the OP a more experienced person's view is wrong. Then the OP is in a quandary as to who to believe. That said, if you want a professional opinion, pay for it. That's the definition of a "professional".
So, who wants some financial advice..... We can all start by getting rid of our boats!!