Remember we all come from diverse backgrounds
Pepe, we all come from diverse backgrounds. Thus the purpose of a forum such as CNET to assist others.
As far as your comment "he doesn't know the very basics, nor understands how to employ a solution which would make him money, and save you money". If you lost any money at all in your 401(k), IRA, brokerage accounts, etc. during the financial abyss of 2008 - 2009 then I could same thing about you. It was widely known in the financial community by early July 2008, the next shoe was going to drop and send markets plunging.
I do appreciate your other replies though.