Ahh and asking people for advice is not research? oh right you only need to read one page to get all the research... Yes there is a lot of information out there you can read about, but there is no interactions that way. So if your going to be a broken record when people ask for advice, save the forums some space and just link to an older that you went on your credit card warrior rants.

making good use of your jsp name, I like it

there's a difference between asking for advice and being a lazy twat.

can you give me some advice? I don't know how to brush my teeth.
I don't want to learn though, just brush my teeth for me

I also dont know how to make a sandwhich
can you go make me one

I agree there is a difference, but some people don't know the difference, and instead make themselves look like an ass commenting on every single post that comes through asking for help/advice.