I decided to create this board because a similar board at TMF (The Fool) is so full of sanctimonious people who brag about their high FICO scores . . . well, people should be able to get good info without being made to feel like the dregs of society.
There never was a moment, and never will be, when we are without the power to alter our destiny. This second, we can turn the tables on Resistance. This second, we can sit down and do our work.