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Originally Posted by stocktrader23
You are correct. I would like to point out though that he said he disagreed then went on to agree with me in 90% of that post. I guess some people only comprehend what they want depending on who posted it. 
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I disagree with 50% of what you originally wrote; however, I do agree with the rest. Doesn't mean I don't find value in what I disagree with either; in fact, you make a good point and something which I am only able to counterpoint with on my own experience.
I am not trying to bash what you are saying so no need to be defensive. This is a quality thread and I am completely game for staying in that spirit.