Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps. Take care over copyright. Use excerpts and links rather than copying long text. This site asserts copyright on all comments posted on the board.
Always remember anyone can post on the MSE forums, so it can be very different from our opinion.
We use Skimlinks in some of our non-money boards, for some of our users.