I see that I must of freaked some of you out about OT and for this I am sorry.
Only time an OT is needed is when the post does not speak of money, trends, stocks, taxes, economy, markets, employment, discussion and speculation, (Congress, Obama as long as it is related to money). All we need is a word or sentence that speaks of anything economy, money matters, etc.
I do not want to create a situation where people are too concerned about what they are posting.