All the replies of the above posters answers your questions. I hope you newbies read the sticky threads before posting. Hope is a dangerous thing. OP I don’t want to know how you got here whether or not  you were invited by a friend or family for monetary purposes but your why is a concern. The main thing is you are here now and you have a chance to learn, here you have access to information on a range of topics only available on the forum. Whatever your reasons may be for joining, you have to abide by the forum rules. That shouldn’t be a problem if your reason for being here is not detrimental to the forum.