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Oh, so why did I decide to post in the 'Improve the Fool' board? Perhaps to add a rookie board.

It can be overwhelming in the beginning. And if you read the folders such as "Living below your means" quite time consuming. And beginners ask good questions that may have been asked several hundred messages ago and answered. This will always happen because people join Fooldom at different times of the year.

As I suggested on the "Living below your means" folder, it would be nice to have a TMF person compile often asked questions or suggestions into a FAQ area for each folder.
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