Hi everyone, this is my first post, so if I'm asking this question in the wrong area, my early apologies.

Jumping back 8 years here, apologies.

.- I'm already working on my creditTo add,I apologize if this seems out of order or confusing, this is my first post and I'm not to sure how to go about asking for advice on this forum, but after reading other beginners i decided it was time to create an account and put myself out there.

Accidently Posted Twice - I apologize

You're right, Im wrong, and I apologize for questioning your intelligence.

And whether you have recommendations because of personal experience/success in those areas, or if it’s your own personal opinion, I’m all ears.Lastly, I want to apologize in advance of this question bothers anyone.

If there was a discussion or an article about it, I apologize for not noticing and will be happy if you can refer me.Thanks a lot!

Hi @John Park - apologies for the delay in responding. 

I apologize if the below is long-winded or if I just list things you already know, but these are my favorite problems to tackle.This is a common scenario, and you would be looking at an opportunity cost analysis ("Money talks, BS walks!").

Of course I am saying all kinds of nice things about them, then I apologize for the "mistake".