I'm in full agreement with David. I've recently suggested to some newbies on that other site that they would be better received (and treated) over here.
Regarding Bob's post, I learned similar lessons from my father, but not by example. He was a grasshopper who lived by the adage "If you can't be a good example, settle for being a dire warning." He once told me "If you can buy something on credit, do. It's almost like getting it free." He died with $700 dollars in his pocket and 7 grandchildren. If I can't pay cash for it, I don't need it.