1. Do not use profanity and respect the other members even if you disagree. Disagreeing is okay, but stick to the issues and don't start name-calling. Deal?

2. Do not come here asking for money. This forum is designed to be a place that you can get help getting your financial life back in order, but not a handout. There are lots of great members here who have been through some very challenging times financially, so I encourage you to ask questions about how they overcame (or are overcoming) them. If you desperately need some cash you can apply for help at http://www.modestneeds.org.

3. If you are commenting just to be entered in the giveaway that is absolutely fine, but just don't leave a one word comment. Contribute to the conversation a bit or start your own. Use your best judgement - I trust you.

4. Please do not post your own referral codes in the threads. Feel free to add them to your signature (which will show up on all of your posts) - but not in the post itself.

5. Help me keep an eye out for spam. If you see something that looks spammy to you, please let me know.

Thanks so much!!