To the best of my knowledge everyone, including myself, making submissions to this site/journal have no expert standing in this field, unless otherwise stated (I mean qualification-wise, not experience-wise!). This also refers to any e-mailed information/exchanges.
The information has been made available by people who are passing on ideas and suggestions, which they have found worked for them.
The links to other sites and services are provided for your information only and come with no endorsement from me, although you may get an opinion.
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To use this material, please ask my permission or credit this site if it is only to make a reference.
I, of course, have no objection to you printing a single copy for your personal use. In fact, I encourage you to. It is here to help people.