If you want financial advice you probably want to get it from a financial person or chat board and not a band director's chat board.
Contrary to popular belief, not everyone is an expert on everything. What works for some people may not work for everyone. Yellow board responders can talk about what worked for them under their particular circumstances. A real financial PRO will tailor to each individual's circumstances and needs.
I think Steve is just looking out for the well being of those looking for financial help.
Responses are not allowed!